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Riding recessions with a college degree

The safest way to ensure economic stability is to earn a college degree. That's what we have been hearing since a very young age. Data released by the Department of Labor solidifies this point. I also came across a very interesting article in the Wall Street Journal detailing the trends and data.

It's not only that the college educated earn more over their lives, a staggering $1 million more on average, as compared with folks who do not hold college degrees, but that they are far more likely to keep their jobs.

The gap widens even further in times of recession. Not only in terms of amount of income, but also in the unemployment rate. The unemployment rate for workers 25-and-older with a bachelor's degree or higher was 4.6% in August 2010, for example, compared with 10.3% for those with just a high-school diploma. That's a huge 5.7-percentage-point gap. This is more than twice the gap that was seen during pre-recession times in 2007.

Laid-off college graduates are also finding work faster. Their median duration of unemployment was 18.4 weeks as of August, compared with 27.5 weeks for high-school grads. Three years ago, that figure was roughly the same for both groups—9.5 weeks and 9.6, respectively. And among the worst-off 25-and-older workers, the 5.2 million who have been out of work six months or more, only 19% are those who graduated from college, even though that group makes up a third of the work force.

All these statistics drive home the fact that ultimately, the safest way to survive and sail through a recessionary era is to invest time, money and heart towards a solid college education. It not only will ensure a stable job, but also help in case you end up having the misfortune of losing one.

Early Action vs Decision

Deciding Early

When applying to college, there are several options in regards to turning in the application. First of all, the majority of applications are now turned in online. Come on people, this is the 21st century. Secondly, and more importantly, students often wonder when is the best time to turn in an application.

Well, I've said it before, and I’ll say it again, the early bird really does get the worm. Most colleges now have options for Early Decision or Early Action. These methods allow the applicant to turn in the application in November and receive the decision earlier than the regular notices that arrive in late spring. Yes, it is true that applying early can give the prospective student a better chance of getting into the school, but the student must be sure of his or her decision before choosing one of these options.

Applying Early Action has absolutely no harm to it whatsoever. The student applies in November, hears back from the school earlier, has a better chance of getting in, and is not bound to attend the university in case he or she changes his or her mind. Sounds perfect, right? Well it sort of is. If possible to get the application completed early, there is no reason not to turn it in Early Action. However, not all and not many schools have this option available. Rather, they either accept regular applications or applications for Early Decision.

Early Decision. Sounds scary. How scary? Well, it depends on how much the student wants to attend the university. Okay, I’m kidding, it’s not scary, but very decisive. Applying Early Decision is for those students who have had a dream to attend a particular university ever since they can remember. Or those students who think their only chance of getting in is through Early Decision. Both of these options aren't intimidating, but the important thing is that this method is binding. This means that the student and the parents must be sure that they can afford the tuition before applying as there is no turning back. If an applicant is uncertain about attending the university, doesn't know if the family will be able to afford it, or has other options in mind, DO NOT APPLY EARLY DECISION.

Of course it isn't easy to get in applications early enough to qualify for one of the above methods as the student must take the SAT and/or ACT earlier, complete essays in a shorter time and get more work done, in less time. But no fear, regular admission is here!

Victory Step is an educational test prep company based in Dallas-Ft. Worth. We are here to help you with the college process; SAT prep, ACT Prep, PSAT Prep, College Consulting, etc. Give us a call today at 214 417 9406 or visit us online at http://www.victorysteponline.com