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Helping Kids Weather the Mental Health Impact of a Natural Disaster

This has turned out to be an extremely active and dangerous hurricane season so far. Natural disasters can greatly affect the mental health of impacted communities, both adults and children.

In the aftermath of a hurricane, rates of depression and anxiety go up in many kids. The closer to the event, the more trauma the child actually went through or directly witnessed, and the more difficult the circumstances in the days, weeks and months following the hurricane, the more likely a child will struggle with mood or anxiety issues.

It is, of course, quite normal for a child to experience fear and stress and to become upset at the time of a huge storm and even in its immediate aftermath. Children take their cues from their parents, so addressing your own anxiety first goes a long way towards helping your child.

[Read: Preparing for a Natural Disaster When You Have Diabetes.]

Allow children to express their feelings in whatever way works for their style and developmental stage. This may mean talking about their feelings and fears, or they may express themselves in other ways, such as through play, drawing or painting.

Let them ask questions and answer as honestly as possible. The answer to some questions may simply be, “I don’t know.” Managing living with uncertainty about the future is part of dealing with the trauma. At the same time you are providing answers, reassure them that you’re there for them, and that you love them and will take care of them. Talk to your kids about methods your family will be using to cope with the disaster, whether that is how you’ll make repairs, living arrangements, connecting with your community and helping others.

[See: 10 Ways to Raise a Giving Child.]

For those children who are not as directly affected and uprooted by a natural disaster, helping others in the community who have been directly impacted is a wonderful coping mechanism to deal with feelings of anxiety and helplessness. Help your child do a drive for supplies, make cards for other kids, or provide meals or collect food donations for families in need.

While it’s important to be honest with children, it’s also a good idea to keep them from being inundated by images and reports on the disaster that are sometimes hard to miss with 24/7 news coverage. Repeated exposure to images and the worst of the tragedy can increase anxiety and fear in children. Keep the news off in your home and help your child avoid the constant stream of news on social media as well.

Some kids will have an acute reaction to this trauma, but within a matter of weeks resume their typical functioning and have manageable feelings. A small percentage of children, however, may experience more distressing symptoms, such regressing in regards to already accomplished milestones, like wetting the bed or being unable to sleep alone, and pull away from friends or have difficulty sleeping with loss of appetite and decline in their ability to do schoolwork. If these symptoms persist for more than a couple of weeks, a child may require a professional evaluation and treatment to get back on track.

[See: 10 Concerns Parents Have About Their Kids’ Health.]

Most important in helping children who have been through a natural disaster is to not have them avoid something because of the trauma. If they fear rain or thunderstorms after a hurricane, for example, slowly but consistently expose them to these things, and over time their fear will dissipate. Avoidance reinforces the fear, and the more a child avoids out of fear, the smaller their world becomes.

More from U.S. News

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The 5 Latest Poison Control Threats Kids Face

Am I Just Sad — or Actually Depressed?

Helping Kids Weather the Mental Health Impact of a Natural Disaster 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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