Credit Counseling Agencies Suggest Continuing Education to Beat Recession and Get Out of Debt
Providers of CareOne Credit Counseling Services (www.CareOneCredit.com) offer free tips to help American consumers save money on continuing education, to decrease debt and increase job stability.
Baltimore, MD (PRWEB) December 29, 2008 -- Agencies providing CareOne Credit Counseling Services have released a series of free tips to help American consumers beat the recession and pay off debts by saving money on continuing education.
Financial goals are common New Year's resolutions, especially in a recession where consumers fear layoffs, go through their savings to meet everyday expenses, or are unable to find work. Another common goal in the New Year is continuing education, but during a recession the cost of that education may seem impossible to afford. Fortunately there are ways to save money on adult education, which can increase an employee's value to their company, or make it easier to find a new job or change industries.
"Everyone understands that a higher salary can make it easier to get out of debt," says CareOne Credit Counseling Services Spokesperson Clarky Davis. "However, when we're in a recession, many consumers can't see past the assumed price tag of continuing education, which can lead to that higher salary or new job. What we're trying to do is show people what they can do to decrease the cost of furthering their education by considering a variety of options available, even during a slow economy."
Agencies providing CareOne Credit Counseling Services offer the following free tips on making continuing education more affordable:
1. Choose the Right Program - When people hear "continuing education," they often immediately think of college, pursuing a Bachelor's, Master's, or other degree. Instead, consider certificate programs or even single courses for the sake of improving skills (like computer courses that might improve productivity, and therefore value to an existing employer).
2. Research Employer Support - When an employee goes back to school, they can offer more to their company. Because of this, many employers help with the cost of pursuing adult education (or even offer courses on-site). Always check with current employers to see if they offer similar programs.
3. Look to the Community - Community colleges, high schools, and community organizations often offer free or low cost adult education courses. These courses generally focus on specific skills - anything from using a particular computer program to starting a small business (such as learning how to sell on EBay). Hobby-related courses are often common (such as sewing or crafts), which can be turned into a side business to earn more money, increase savings, and get out of debt.
4. Don't Forget About Financial Aid - Financial aid goes far beyond loans. When the economy is on a downturn, some continuing education programs (such as Master's degree programs) can actually be on the rise. This is because people want to position themselves for better jobs when those jobs do finally become available after the recession. It's therefore in a school's best interest to take advantage and bring in as many new students as possible. Many offer their own scholarships and grants to attract students, or tuition assistance programs specifically for those who have been laid off from their jobs.
5. Earn Extra Money to Put Towards Education - If a degree program is really the only option, and eligible financial aid doesn't account for enough of the cost, consider earning extra money in a side job to use exclusively for continuing education. Opportunities range from getting a part-time job at a local business to starting your own small business or taking on freelancing work (such as babysitting, dog walking, starting a website, or even renting out a room).
There are a lot of things consumers can do to counter the perceived costs of adult education and take the first steps towards improving their future financial circumstances and getting out of debt.
About CareOne Credit Counseling Services
CareOne Credit Counseling Services is a service mark of 3C Incorporated. CareOne agencies are industry leaders committed to providing consumers with education and debt management services related to improving and maintaining their financial health. CareOne agencies have helped over 4.5 million people pay down debts through their solid relationships with over 220,000 creditors.
For more information about CareOne Credit Counseling Services, please visit www.CareOneCredit.com, or contact Clarky Davis at (410) 925-9769.
Contact:
Clarky Davis
CareOne Credit Counseling Services
8930 Stanford Blvd.
Columbia, MD 21045
Phone: (410) 925-9769
Web: www.CareOneCredit.com
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