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How to Choose a Sunscreen That’s Healthy and Effective

The sun provides our bodies with a number of health benefits, particularly through vitamin D3, which is known as the sunshine vitamin. But with exposure to the sun comes the risk of overexposure, sunburns and possibly skin cancer — all of which pose serious threats. In fact, 20 percent of Americans will develop skin cancer at some point in their lives, according to the Skin Cancer Foundation.

[See: 7 Ways to Prevent Skin Cancer.]

While we can turn to sunscreens to help protect ourselves from some of the negative side effects of too much sun, all sunscreens are not created equal. Specifically, a report from the Environmental Working Group found that nearly 75 percent of sunscreens don’t work. So, how do you choose a sunscreen that’s effective and healthy? Start by following these guidelines:

1. Avoid oxybenzone.

According to the EWG, oxybenzone is found in 80 percent of chemical sunscreens and has been found in the bodies of 96 percent of the U.S. population. The problem with this is that oxybenzone is a known endocrine disruptor, meaning it acts like estrogen in the body. The compound is linked to abnormal sperm function in animal studies and endometriosis in women, and it may be linked to cellular damage that leads to skin cancer.

2. Avoid retinyl palmitate and other vitamin A ingredients.

When purchasing a sunscreen, you should also try to steer clear of retinyl palmitate, a form of vitamin A. Retinyl palmitate may harm the skin and even possibly lead to skin tumors. According to the EWG, this ingredient carries a risk for developmental and reproductive toxicity, biochemical and cellular changes, cancer and more.

3. Choose a mineral sunscreen.

There are three types of sunscreen options: non-mineral, mineral and a combination. Always select a mineral sunscreen, since non-mineral options penetrate the skin. At that point, they can enter the bloodstream, where they can then disrupt hormones, trigger allergic responses and release free radicals as they break down.

[See: 9 Surprising Facts About Sunscreen.]

Mineral sunscreens, on the other hand, contain zinc or titanium, which do not break down in sunlight, are not usually absorbed and are non-allergenic. What’s more, they are more effective at blocking UVA rays than non-mineral sunscreens. For these reasons, mineral sunscreens are generally rated as safer, though they do often contain nanoparticles, which are not tightly regulated and haven’t been studied for long-term impact.

4. Avoid spray sunscreens.

First and most simply, it’s very difficult to apply spray sunscreens in a thickness that will provide enough protection. Plus, it increases the risk of inhaling harmful chemicals directly into your lungs and subjecting everyone around you to the same threat.

5. Be wary of ultra-high SPFs.

When using ultra-high SPF sunscreens, you probably feel like you’re better protecting yourself from the sun — and that’s how sunblock companies want you to feel. In reality, however, UVA protection is often lacking in products with an SPF or 70 or more.

In other countries, SPF is usually capped at 50. And since the U.S. hasn’t approved ingredients that would increase broad-spectrum protection above 50, manufacturers typically use higher concentrations of approved but unhealthy ingredients (like oxybenzone and retinyl palmitate) to seemingly increase a sunscreen’s SPF.

Along with the inherent threats of high SPF sunscreens, a false sense of security in these products often leads sunbathers to misuse them and stay longer in the sun without reapplying.

6. Ignore misleading claims like “waterproof” and “sweatproof.”

The FDA banned the use of claims such as “waterproof” and “sweatproof” on sunscreen bottles in 2011 because these marketing terms are misleading to customers. However, other terms such as “sun shield” and “age shield” still appear on bottles. These marketing terms imply full protection against any potential harmful effects from the sun, making customers believe that sunscreen is all they need to protect their skin, which is simply not true.

The Best Sunscreen Options

The reality is that the best sunscreen is a hat and a shirt. By covering the skin, you don’t have to worry about chemicals, efficacy or reapplying. After all, no conventional sunscreen blocks all of the sun’s rays.

[See: Your Guide to Stylish Sun Protection.]

But when you must buy a sunscreen, it’s important to check the EWG database first. The healthiest sunscreens contain titanium dioxide and zinc oxide. You can also make your own homemade sunscreen. Here’s my recipe:

Homemade Sunscreen
Start to finish: 20 to 30 minutes
Applications: 10

10 drops lavender 1 tablespoon pomegranate oil
3/4 cups coconut oil
2 tablespoon zinc oxide
2 tablespoons shea butter
Glass jar

Combine all ingredients except zinc oxide in a jar. Place a saucepan with two inches of water on stove over medium/low heat.
Place jar in saucepan and stir contents until ingredients start to melt.
Once all ingredients are combined, add in zinc oxide and stir well. Store in a cool place.

More from U.S. News

6 Health Hazards to Watch Out for This Summer Other Than Skin Cancer

Summer Workouts: How to Handle the Heat

The Best Foods for Your Skin

How to Choose a Sunscreen That’s Healthy and Effective originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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