21 Truths All College Students Need To Hear | The Financial Diet 

😲👌 Thank you

The commenters picking apart this video are, I believe, part of the “yeah, but…” group.

I think that reading does count as a hobby.

That's her point. She has time now, after graduating, for the hobby of reading...

That's a lie. Back in college I really had time to play basketball and I did that couple hours everyday. Now I'm working 60 hrs a week. I am lucky to be able to cook. GUYS!! DO WHATEVER THE FUCK YOU WANT IN COLLEGE!! Because everything's over soon as you start working.

@jiahua cui obviously it depends on the job, working hours and type of hobby. your circumstances are obviously less amenable to hobbies than for many others

Breee Leee in my personal experience, I just don’t list the job I was fired from on my resume. I have enough work experience that I don’t need to list that one. I’ve gotten two good jobs since then so it hasn’t hurt me. On the applications that ask if you’ve ever been fired, I would just be honest and hope for the best. Talk up your good qualities and experience so they overshadowed the termination.

I don't know if this helps, but if you think you might be fired, you could probably look around for another job while still on the first job and say you're looking for "a change of pace" or "looking at other options" or something like that. It would help to talk to your boss (if they're relatively nice) to just make sure if you are worried about something. It can give off a good impression, I think. But what do I know, I've never had a job.

@@chellebb1311 Yeah, but they can see that you been fired on your background check and social security...

Christina Bellerose terminations don’t typically show up on routine background checks. Background checks are usually for your criminal history. Not to say they never come back in a background check, but they are unlikely. But not listing that job on your application isn’t lying about being terminated. But if it asks you have you ever been terminated like a lot of applications will, you should be honest. Because then if it is discovered you were lying, that may cost you the job.

Getting fired mostly just hurts your selfesteem. And that can (and will) be fixed over time. Just keep in mind that it happens to many people for all kinds of reasons. It made me realize that if I can get fired, I can also quit a job without feeling guilt. In a way it made me more confident when negotiating a raise in my new job ;)

Aoife m Hmmm and to think I have declined them because I think I can travel to Italy by myself later on.... now I'm doubtful .....

feedmewithcoolmusic Don't be. I backpacked through Central America for two weeks by myself for cheap. Just look up videos on backpacking and you'll be set to travel wherever for cheap. Unless of course you mean travel for school. Then I have no idea about that lol

travel is very different to studying abroad though

once Erasmus, always Erasmus! it is not true that you dont get to know the country you re staying at that time...it depends on you and only! there are plenty of oppurtunities where ever you choose to move :)) i can confirm it will be the best part of your university years for many many reasons! (I can talk only about Europe though)

Coming from the perspective of an American - studying abroad is sooo expensive! It's paying "international student" tuition and fees plus room/board/car, etc. Better to teach English abroad or work for a hostel and actually make some money while you're overseas. I did a 3-month European trip for $3000 (including airfare/travel fees) by going September-November, using couchsurfing.org, being flexible with where I was going, and cooking at my hosts' apartments rather than eating out all the time. I also had a job offer to work at a summer camp in France, but I had to decline it because I felt like being in Croatia at the time! Anyways.... listen to this video's tip #2: colleges want your money! Don't let them convince you that study abroad programs are worth the $10,000!!!

TRUTH!!!!!!!!!!!!! Your body will change when you get older and loosing weight will get harder!

Chelsea Dau I gained 20lbs in 4 months!) :

COULD NOT RELATE WITH THIS MORE...

This. Just....this....

There's nothing wrong with gaining weight, do what you want.

100% agree.

Lam Tran I was going to suggest the same thing, would love to see one on this!

There are some internships that require a certain GPA level.

Glad you addressed this again because for your first job out of college, especially if you're going to school career fairs, GPA is CRUCIAL for many jobs. It's extremely more difficult to get that first job with a bad GPA. So much so, that we were instructed within the business school not to list anything under 3.5 on our resumes. After the first job is when I agree it's unimportant. Also know the first two years practically set your GPA!

My employer didn't even look at my degree classification let alone my grades! I got the job because my had more work experience and a smiley face.

Lunier esque This!! Don't just go to school for the sake of being there! Talk to people in different programs and see where your interests and skills line up. Take night classes, or summer classes. They're more relaxed and faster.

Yea I achieved well in high school so there was immense pressure to go straight on to tertiary study. I ended up dropping out because I chose the wrong path and because my mental health wasn’t good enough a couple years in the work force and some therapy later I’m restarting uni next year with something I know I want to do

SO TRUE. I desperately wish I did a gap year. My first year was a waste!

OMG so true! I had great grades in high school but I didn't know what I want to do. My friend told me that maybe I should go to med school as she did. So I did, I didn't have a better idea. It was not bad but I felt that medicine was not the right path for me. Sometimes it was interesting but I've never felt really motivated to cure people. So I changed my major. But I wasted so much time. I wish I'd have a gap year, work and see what I feel passionate about.

Allie Doak I'm dropping out university for the exact same reason, everyone just expect people with good grades in high school to be ready for university when they are SO different, and knowing what path in life you want has nothing to do with grades. In my country it's believed that EVERYONE should go to university right away just because some of the options are free, it feels like a rush I'm not ready for. Anyway, I love reading that you were able to figure it out in the end, it gives me hope that one day I will too.

Isaac Toth only in your utterly privatised country

she didn't need to throw the dig at Literature majors though, implying our degrees are worthless financially

Acoustic Silk To Europeans, this comment is hilarious. How can it be legal for colleges to work as a business, no different from starbucks or your local supermarket. It's laughable

Because if you arent happy with the product, you can take it back. If your coffee sucks you can take it back to starbucks. If your veggies are rotten you can take them back. IF your college sucks and doesnt provide what it says, then we should be able to take it back for a refund.

clap trap this is actually a good idea and idk why I don't see it more often. you can find 90% of books for free. it's sad that a piece of paper is so important. still I'm sure if 50k+ debt is worth it...

its very sad. Most people arent even working in the same field in which they studyied in college. So in other words not gaining much knowledge for their actual job. lol

ApplepieFTW I lived in Italy and in England is the same. For people from UK, it cost 9,000 a year, while for internetional cost 20,000 just for the course. The bursary(if you can get) are usually 2,000 pound. Usually the course are full with content, but majority of the curriculum are filled with things that you will never used, however in Italy, Germany, Switzerland and other part of Europe it cost way less and usually the curriculum have some part that can be useful.

thisyearsgrl88 I also thought that it matters for interships... which is why I do not want to work while going to school. I have a really high gpa, am studying for a certification, and also studying things that are related to my major and what I want to do. I think that my gpa would go down from the added stress and I would end up unhappy as I love being left alone and doing my own thing.

thisyearsgrl88 But most people don't ever want to go into graduate schemes like that. Grades aren't actually as important as the connections you make. I got a decent paying job right out of sixth-form in a town with a high unemployment rate because I did shitloads of volunteering. No, it won't make me a millionaire, but it's not bad. It's above the national living wage, plus I get a bonus. I also side hustle as a baker. I make cakes for local cafés and restaurants. And I give music lessons. I got the equivalent of 3 E grades at A level. None if my bosses have ever looked at my grades and I didn't even go to college. I am, however studying part time whilst I work.

It does depend completely on the situation. If you're going to be a doctor or maybe if you're a business major, then yes it does matter. And if you're a literature major getting a PhD (good luck) then yes, it does matter. But for the thousands of lit majors and history majors and sociology majors who go work in marketing or as a technical writer or learn to code or get a real estate license, as so many do, a 2.0 isn't that different from a 3.0 or a 4.0. Just don't let your grades get so low that you don't get kicked out of school.

It matters to an extent (much more so than the video makes it out to be). Sure, after 5 years of work experience, just it probably won't be asked for. However, right out of college, below a 3.0 will make finding a job suck

Its a double-edged sword. You should always get good grades no matter what, although it doesn't mean the world is over if you don't.

Corinne Marie in my opinion, better to get a bachelors and a masters it takes about the same time.

I agree and picking up a language is a cherry on the top too!

LovingLife Actually, lots of people do a double major, certificate, or minor in the regular four year program! Depending on the subjects, it can take a lot of careful planning, but it can be done

Jess Geeregat agree, pack as much into those four years as possible. However I know a young man who is 27 and will (hopefully) graduate at 28 with B.S. double major, double minor, various certificates, student loans, private college. Not judging him, but concerned about that student loan balance for him and how it will affect his future.

Guaranteed way to accrue way more debt than you would if you just got a bachelor's in a single major.

idk where u went to school but connections and experience definitely matters more than GPA.

@@amartinez5326 Not necessarily. There are many experiences of people who got their first post college job solely due to their GPA, myself included (at a CPA firm). Connections and experience definitely matter, but so does GPA (depending on the major and job).

Okay, i gotta turn things around

Does that mean going to a prestigious school matters more than GPA?? Like would employers prefer a person who went an ivy league with a mediocre grade or a person who went to a less prestigious school with a 4.0

@@elizabethl2691 what would you assume lol

while i don't disagree, GPA is more important for things like interships and graduate schemes/programmes applications. it is less relevant for jobs in general outside of those types of programmes - which is what is being alluded to i think.

Me too even with many years of experience. And lying about your GPA will get you fired.

In ‘real’ jobs looking at GPA is almost nonexistent

That’s because it is

salome rodriguez you can be smart about it though, I went to a community college for 2 years and saved tens of thousands, then transferred to a nearby uni and commuted from home 👍🏻 0 debt

It surely is the biggest hell ever. You have to act like a robotic and obedient sheep just for that fancy piece of paper that most, if not almost all, employers require you to have in your hand, especially since you're expected to make zero mistakes since the incredibly flawed grading system punishes you for making mistakes, even though making mistakes is actual learning.

college is literally great, you can't base your opinion off this stupid video

It is

Eleona Ligon good job! Get that engineering degree! Your parents are right to push that degree. I wish I had listened. Do your best!

Veilfire why ? Take it easy !

Sephora Styles they already have ome

Sephora Styles I'm joining community college this Fall despite being accepted to one of the top 50 unis. not many disadvantages really if you choose a good CC with a strong background in transfers... yea maybe you'll miss out on two years of uni experience (assuming there is something about it). but besides that nah. And if you have big goals but your high school background isn't as strong, CC is a great option too. there are a lot of advantages but the main ones are saving A LOT of money while learning the same thing, greater prospects (as many good unis have higher acceptance rates for transfer students), and getting to explore yourself, life and your interests

Sephora Styles Can you name 3 disadvantages? I could name a lot of advantages of CC

I went to community college, transferred to University of Alabama for engineering B.S., then Ohio State for M.S.

I am hope you are glad and made a right choice. i just transferred and the cost of attending 4-year school is enourmous and financially was the best choice I ever made.

She said not to study abroad if it means you'll be taking on more debt to do it. She gave some other suggestions about how to get those same experiences without adding more debt. It's a good conversation starter with employers, but her points about those programs were pretty spot on haha

AzoriaWatercolour she said you don't NEED too study abroad....

If you still want or need to go abroad (in Germany for example, you have to go abroad for one semester if you want to become a language teacher) AND live inside the EU, you should definitly try to get into the ERASMUS program. They pay the student fees and they will actually support you financially with about ~160-300€ each month (it depends, for example, on the country you are going to) because you will act as a kind of ambassador for your home university during that time. I have to say it took me three trials to get into it (we only have 9-12 places for at least 750 people studying English of which many want to become teachers AND NEED to go abroad to an English speaking country) but so far it has been worth it financially. I will now "only" have to pay for accomodation and food and drink during my stay and I saved up that money quite good. With a little luck, I might even get some support from the state but that is still work in progress.

My sister was able to save $6000 by studying in China over the summer. I think it depends on what your studying and what you plan to do. My sister is a Geography major. Studying the geography of a different country was valuable to her especially since her school took that study abroad in place of a few classes. I'm a Microbiology major. Studying abroad wouldn't do anything for me. I would've still had to come back and take the same classes. It would've been a pointless extra.

I agree with you, Tori. For me, it is important to become better in English and to improve my speaking skills. I tend to have the worst German accent imaginable when I get nervous. Furthermore, I will also be able to study my minor subject History there which is really great. History always tends to be taught bound to the country and region you live and study in. I will actually also take a course on post-war Germany there. I know quite a lot about it already thanks to school and university and, of course, my grandparents growing up stories (my father is actually from the former west and my mother from the former east, so I got to hear both sides from early on), but I'm really interested in how scholars and students with a different background see and judge certain developments and events. I guess for Microbiology everything is basically the same around the world, isn't it? But still, wouldn't your university recognize the seminars and lectures you took abroad? I'm actually doing a third of my master's degree in English over there and half of my history one. When I come back, I only need to take didactics and teaching specific courses anymore.

Aristotle2000 a friend of mine now in her 50s is tentatively hired for a software job pending her transcripts.

agreed. Big companies have a minimum GPA requirement listed on their job description- especially for STEM positions.

it doesnt matter very much, especially if you have an okay average, im applying for interviews right now and a lot of them dont really care but I do need to meet the "minimum GPA requirement"

1. Fortune 100 will, but the vast majority (over 120 Million workers) of employed Americans are employed by small businesses, who consider education to be fairly low on their priority list comparatively (At least from what I've been reading on "What employers look for" and the stats and studies surrounding that). They care much more about your experience and what you bring to the company that can help them compete, making experience and solid recommendations from prior employment matter way more in those contexts, leaving education to be little more than a checkbox. 2. Employers care if the work you are doing requires specific knowledge. If you go into Game Development or cubicle work for instance, or even writing, there is a highly likely chance that a degree in classics or poly sci will get you by just fine. It shows commitment and ability to maintain a high level of focus for years. However if you're looking at things like engineering positions, IT work, Accounting, employers will want degrees tailored to the profession, as they usually pay much higher for those positions. It is highly dependent on the position you are filling to if that degree choice 'mattered' or didn't.

MrGuitarguitarguitar take it it sets you apart as an applicant

alana verhoeven be good with your credit and save

You have to pay for the semester abroad when it is organized by the university? In the EU, we have the ERASMUS programm which, if you get a spot, will pay your fees at the abroad university and support you financially. Many faculties even advertise studying at there partner faculties abroad. Each subject has its own ERASMUS coordinator who you can always contact concerning questions. If I forfill my side of the contract (30 ESCT points) I will not have to pay back the money they gave me. I will only have to pay for food and accomodation. I always thought - or at least hoped - that the US colleges would have something similar since your fees are so high I could buy myself several cars from it.

The Americans are really ripping of their students O.O I will just pay 11€ to my home university (my erasmus semester starts at the end of september until the end of january). And yes it of course it depends on how you use your semester abroad. I totally forgot about their drinking age. Alcohol and drinking and partying in general has never been anything that particular got me excited, I think partly because it seems like it is not such a big deal here in Europe than it is for the States. Of course, I also forgot about most people choosing the popular and more expensive locations. Personally, I could only choose between Bristol, Huddersfield and Coventry and I was actually just lucky to get a place at all. But the first thing I noticed how expensive renting in the UK is. I'm going to live with a family and I still have to pay about 600€. Living on my own would have been way more expensive and since I could only watch the flats online (and what I saw was often not even good enough for the rats), I was quite shocked.

Yes I was talking about people doing the entire degree abroad, not paying over the odds for one semester and then pissing about.

you keep banging on about erasmus, yes its decent but it has significant shortcomings too. the biggest is choice of degrees - competitive ones like medicine, PPE are simply not available. secondly the grant amount and course availability differs hugely based on what is available and location. thirdly the language can be a significant barrier, though this is more subjective. lastly if you're in the UK - its likely it won't even be an option once Brexit goes through.

Rachel York the original comment was never about a semester abroad.

2bitgirly007 lol not everyone can do that

I considered doing this (going for my MA in International Affairs atm), but I didn't want to sacrifice my early twenties when I could be in DC networking and learning economics from Obama's personal financial advisor. If I had been less sure about grad school, it might have been a good idea, though.

2bitgirly007 Grad school doesn't necessarily mean debt. Everyone in my program has tuition waived and gets a stipend of at least $26k/year, possibly more if you have fellowships. I think that might mostly be in science though, but its the cheat code I went with.

+ ilovebats10 Wow, that *is* a pretty nice cheat-code. :) I got my BA in History so my skills are *considerably* less marketable than if I was in the field of science like yourself. * laughs* No regrets - just reality. Grad school is still the plan after my service ends though so I'll definitely have to do a lot of digging and make sure I find the right program.

+Abby Auerbach That does sound like a phenomenal opportunity. I went with the PC partly to post-pone grad school decisions, but then also to fulfill personal life goals such as living abroad, learning a second language, etc. But like you said, if it doesn't align with what you think you should be focusing on at that time, it's best to pass. They'll be plenty of time to serve after you retire, right? ;D

True! Also, if you aren't working multiple jobs, that gives you more time to study, join campus organizations, go to professors' office hours, attend free workshops/guest speakers, etc which can all give you experiences and resume fillers to help you get a job after graduation

We have to pay it off the second we graduate, or even in some cases during school. There is no income reliant part of it, sadly.