About Marilyn Gardner Milton
Marilyn Gardner Milton’s career in education began when she entered college. Her first steps towards this career choice were accomplished when she graduated from the University of Connecticut with her Bachelor of Arts (B.A.) in Education. After finishing her time at UConn, she continued her education by splitting her Masters of Education (M.Ed) between Boston State College and Framingham State University, both based in and around the Boston, Massachusetts area. In 1987 Marilyn finished the journey to earn her Ph.D. She graduated from Boston College with her Ph.D. in Educational Administration and Supervision as well as a minor in Computer Science. While both degrees would be of great use in her future, Marilyn wasn’t quite done yet. She finished her education by getting her Juris Doctorate (J.D.) from Suffolk University Law school, where she was also awarded the American Jurisprudence Award for Excellence: Commercial Law.
In 1985 Marilyn Gardner Milton made her first foray into the world of distance learning administration, as well as the first of her roles consulting. She became the Executive Consultant for The Center for Educational Leadership and Technology and held that position until 1995. In 1994 Marilyn became the Executive Director and the Director of Education at the Boston, Massachusetts based Computer Museum, a position she held until 1997. In 2006 she became Director of Business Development for the United States Distance Learning Association (USDLA), a position she holds to this day.
In 1997 Marilyn began her career in the administration of higher education institutes. She was appointed to be the Vice-President of Academic Affairs for the Massachusetts Communications College and the New England Institute of Art. In 2001 she became the Vice-President of Academic Affairs for Bay State College and in 2006 she became a Program Professor and Education Enterprise Associate for Nova Southeastern University, one of the largest non-profit accredited universities in the country. A position she holds to this day.
What to Know As Student Loan Repayments Begin Soon
If you’re a student loan borrower, you must know that student loan repayments will begin soon after the temporary forbearance period ends. Understanding your repayment options and responsibilities is crucial in the evolving landscape of student loans.
Review Your Loan Details:
Before repayments begin, take the time to review the details of your student loans. Know the types of loans you have, the interest rates, and the total outstanding balance. The U.S. Department of Education’s StudentAid.gov website is a valuable resource to access your loan information.
Understand the End of Forbearance:
The temporary forbearance period, initially implemented due to the COVID-19 pandemic, has been extended multiple times. However, staying updated on the latest announcements regarding the end of forbearance is crucial. Make sure to verify the current status to avoid any surprises.
Prepare Your Budget:
Assess your financial situation and create a budget that accommodates your student loan payments. Knowing how much you’ll need to allocate for loan repayments will help you manage your finances effectively.
Explore Repayment Plans:
Federal student loans offer various repayment plans, including income-driven, extended, and standard repayment plans. Research these options to determine which aligns best with your financial situation and goals.
Loan Forgiveness Programs:
Depending on your career and loan type, you may be eligible for loan forgiveness programs such as Public Service Loan Forgiveness (PSLF) or Teacher Loan Forgiveness. Understand the requirements and consider whether these programs apply to your situation.
Automatic Payments and Discounts:
Many lenders offer interest rate discounts if you enroll in automatic payments. This can help lower your overall interest costs. Check with your loan servicer to see if this option is available.
Communication with Loan Servicer:
Maintain open communication with your loan servicer. If you experience financial difficulties, contact them to discuss options like deferment, forbearance, or income-driven repayment plans.
Avoid Default:
Defaulting on student loans can have serious consequences, including damage to your credit score and wage garnishment. Make timely payments or explore alternatives to ensure you don’t fall behind.
As student loan repayments restart, being well-informed and proactive is essential. Review your loan details, stay updated on the end of forbearance, prepare your budget, explore repayment plans, and consider loan forgiveness programs. Additionally, take advantage of discounts and communicate with your loan servicer to ensure a smooth repayment journey. By staying informed and taking appropriate actions, you can manage your student loans effectively while maintaining your financial well-being.
Tips for Using Your Time Strategically in College
The college experience, while rewarding, can often be an overwhelming whirlwind of classes, social events, work commitments, and personal responsibilities. To excel and make the most out of these transformative years, mastering the art of time management is crucial.
- Prioritize Your Tasks:
Start by categorizing your tasks based on their urgency and importance. The Eisenhower Box, also known as the Urgent-Important Matrix, can be beneficial. This matrix divides tasks into four categories:
- Urgent and Important: Do these immediately.
- Not Urgent but Important: Schedule these.
- Urgent but Not Important: Delegate or minimize these.
- Neither Urgent nor Important: Reconsider or eliminate these.
By distinguishing tasks this way, you can allocate time more effectively and avoid last-minute panic.
- Break Tasks into Manageable Chunks:
Instead of viewing an assignment as a monumental task, break it into smaller components. This approach, often called the “Pomodoro Technique,” entails working intensively for a set period, say 25 minutes, then taking a 5-minute break. Repeat the cycle. This not only maintains your focus but also provides regular intervals to refresh.
- Utilize Technology Wisely:
Modern technology offers many tools and apps designed to assist with time management. Platforms like Google Calendar, Trello, and Todoist can be life savers. Use them to set reminders, create to-do lists, and track deadlines. However, remember to strike a balance. Social media and other digital distractions can quickly consume hours if not kept in check.
- Set Clear Goals and Deadlines:
A clear vision of your goal by the end of the semester or year can guide your daily and weekly priorities. Once you set overarching goals, break them into smaller milestones with deadlines. This approach provides a roadmap for the future while keeping you accountable in the present.
- Stay Organized:
Whether you’re a digital native or a fan of old-school notebooks, an organized system is essential to track assignments, readings, and exam dates. Review your system weekly and adjust as needed. An organized system minimizes the risk of overlooking vital tasks and eases the stress of cramming.
- Learn to Say “No”:
While college is a time to explore new opportunities, overextending can lead to burnout and hinder academic progress. Deciding on certain social events or extracurriculars is okay if it means preserving your well-being and focusing on your primary objectives.
- Attend to Your Well-being:
It might seem counterintuitive, but sometimes, the best thing you can do for your productivity is to take a break. Regular exercise, a balanced diet, adequate sleep, and relaxation techniques like meditation are all essential. When your body and mind peak, your efficiency and focus will naturally follow.
- Establish a Routine:
Consistency can be a powerful tool in managing your time. Setting specific times for study, meals, exercise, and relaxation can bring structure to your day. Not only does a routine reduce decision fatigue, but it also ensures that important tasks don’t fall through the cracks. For example, if you habitually study at 6 p.m. every evening, you’ll be mentally prepared to dive into your work day.
- Utilize Campus Resources:
Most colleges and universities offer many resources to help students manage their time. Assistance from academic advisors and tutoring centers to time management workshops is likely available. Be bold about reaching out; these resources exist to help you succeed.
- Reflect and Adjust:
Your strategies for time management at the start of college might need tweaking as you progress. It’s essential to regularly reflect on what’s working and what isn’t. You may be more productive studying in the morning than in the evening, or not the type for group study sessions. You can make the necessary adjustments to optimize your time by periodically assessing your habits.
College is a unique, enriching phase of life, offering opportunities for growth inside and outside the classroom. You can savor these years by approaching them with strategic time management while laying a robust foundation for future endeavors. Remember, it’s not always about working harder but often about working smarter. With these strategies, you’re well-equipped to make the most of every moment in your college journey.
The Best School Supplies for Incoming College Freshman
Heading off to college is an exciting milestone in any student’s life. It’s a time of newfound independence, personal growth, and academic exploration. As you prepare for this new chapter, having the right school supplies can make all the difference in staying organized and maximizing productivity.
Durable Backpack or Tote Bag
A sturdy and spacious backpack or tote bag is a must-have for carrying books, laptops, notebooks, and other essentials around campus. Look for a bag with comfortable straps and plenty of compartments to keep everything organized.
Laptop or Tablet
In today’s digital age, a reliable laptop or tablet is an essential tool for college students. It’s a primary device for note-taking, research, and completing assignments. Ensure it has enough storage, a long-lasting battery, and is lightweight for portability.
Notebooks and Binders
Traditional note-taking is still a valuable skill in college. Invest in notebooks and binders to keep your class notes organized. Consider using color-coded tabs or dividers for different subjects or classes.
Pens, Pencils, and Highlighters
Stock up on a variety of pens, pencils, and highlighters for taking notes, annotating readings, and studying. Mechanical pencils can be especially convenient, eliminating the need to sharpen them constantly.
Planner or Organizer
Time management is crucial in college. A planner or organizer can help you keep track of assignments, exams, and other important dates. Choose one that fits your planning style, whether it’s digital or paper-based.
Index Cards
Index cards are versatile study tools for creating flashcards, summarizing key concepts, and testing yourself on important information.
Sticky Notes
Sticky notes are handy for jotting down quick reminders or marking pages in textbooks. They’re great for keeping your study sessions organized and efficient.
Calculator
Depending on your major, you may need a scientific calculator or a graphing calculator for math and science courses. Check with your professors to see which type is recommended.
Whiteboard and Markers
A small whiteboard can be useful for brainstorming, working through problems visually, and collaborating with study groups.
Personalized Items
Consider bringing a few personal touches to your dorm room or study area, such as inspirational posters, photos of loved ones, or cozy decorations to make your space feel more like home.
Backpack Lock and Safety Measures
To protect your belongings, invest in a durable backpack lock or combination lock for your dorm room. Safety is essential on campus, so familiarize yourself with campus security measures and emergency procedures.
Comfortable Desk Chair and Study Area Lighting
Having a comfortable desk chair and proper lighting in your study area can help reduce fatigue and improve focus during long study sessions.
The right school supplies can set you up for success during your college journey. As an incoming college freshman, staying organized, managing time effectively, and having the necessary tools can make the transition smoother and contribute to your academic achievements. Prepare yourself with these essential school supplies, and you’ll be ready to embrace the college experience with confidence and enthusiasm. Good luck with your exciting new adventure!