campusguide 2013

2013 Campus Guide 2 August 12, 2013


Pizza Hut . . . . . . . . . . . . . . . .1

Harrison College . . . . . . . . . . .2

Ivy Tech Community College . . .3

Vigo Dodge Inc. . . . . . . . . . . . .5

UAP Clinic . . . . . . . . . . . . . . .5

Corey’s Fine Footwear . . . . . . .8

Headstone Friends . . . . . . . . . .8

Walmart . . . . . . . . . . . . . . . . .9

Le Nails . . . . . . . . . . . . . . . .11

Body Art . . . . . . . . . . . . . . . .11

Ambucare Clinic . . . . . . . . . .13

Pumpkin works . . . . . . . . . . .15

Java Haute . . . . . . . . . . . . . .15

Ambrosini’s Restaurant . . . . . .16

Vigo Co. Public Library . . . . . .16

Courtesy Cleaning Center . . . .17

ISU Federal Credit Union . . . .25

Corepoint Hair Studio . . . . . . .27

Baesler’s Market . . . . . . . . . .27

Don’s Service Center . . . . . . .29

Mark’s Par Three

Golf Course . . . . . . . . . . . . .29

Hunt’s Distributing . . . . . . . . .30

Larry Paul LTD . . . . . . . . . . . .31

Smoke N Peace . . . . . . . . . . .31

Disc Replay . . . . . . . . . . . . .32

Advertiser Index

If you have a question or comment about this publication or would like additional copies, please call (812) 231-4226.

Section Editor: P. J. Bowersock

Advertising Director: Julie Killion

Advertising Sales Manager: Erin Smith

Emergency Phone #’s . . . . . . . . . .4President’s Letters . . . . . . . . .6 & 7ISU Calendar . . . . . . . . . . . . . . .10Ivy Tech Calendar . . . . . . . . . . . .12Rose Hulman Calendar . . . . . . . .14Popular Events . . . . . . . . . . . . . .17General Business Numbers . . . . . .17Harrison College Calendar . . . . . .18Terre Haute Map . . . . . . . . . . . . .19St. Mary-of-the-Woods Calendar . .20Trails . . . . . . . . . . . . . . . . . . . .21Downtown Merchants . . . . . . . . . .22Downtown Map . . . . . . . . . . . . . .23Nightlife . . . . . . . . . . . . . . . . . .28

Table of contents

Emergency PhoneNumbers

Fire/Police/Ambulance911

Poison Control(800) 222-1222

Lifeline Hotline(812) 235-8333

Hospitals

Terre Haute RegionalHospital(812) 232-0021

Union Hospital(812) 238-7000

Cab

Terre Haute Cab(812) 232-1122(812) 232-1313

Yellow Cab(812) 478-5000

Locked Out

AA (24 hour) (812) 208-3671

Clown Lock & Keys(812) 235-5625 or (877) 800-4693

Durr’s Towing Service(812) 232-1995

Hoosier Towing (812) 249-3557

McDonald Towing (812) 208-7435

Mike’s Auto Wrecking(812) 232-3508

Sycamore Storage &Towing (24 hour help)(812) 208-4526 or (812) 533-1108

Towing Service

Dailey’s(812) 243-2316

Durr’s Towing Service(24-hour service)(812) 232-1995

Fat Heads 24 HourTowing(812) 223-0280

Hoosier Towing(812) 249-3557

McDonald Towing(812) 208-7435

Mike’s Auto Wrecking(812) 232-3508

Peffley Hinshaw(812) 232-5444

Sycamore Storage &Towing(812) 533-1108(Onsite tire repair)(812) 208-4526

888-310-1293 • 812-234-2615Across from the Fairgrounds • Terre Haute

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Many commuter students find it diffi-cult to assimilate when arriving on a col-lege campus. Living off-campus, be it intheir own apartment or at home withtheir parents, can make it difficult forcommuter students to make friends withclassmates who live in the dorms, wherethey already have a built-in social net-work.

But while it's often easier for studentsliving on campus to assimilate into cam-pus culture, commuter students can stillbecome an integral part of their collegesand universities. The following are a few

tips that might help commuter studentsmore easily assimilate into campus cul-ture.• Form a study group. The class-room is where many commuter studentsare introduced to their fellow students,so it's a great place for commuters tomake new friends. A study group outsidethe classroom can be a bonding experi-ence for commuter students and theirclassmates, and such groups can be agreat way for commuters to improvetheir grades while learning about socialgatherings on campus.• Join student organizations.Student organizations, whether it's stu-dent government or the campus radiostation or a school-based charity, aregreat opportunities to get the most outof a college or university. They're alsogreat places to meet new people andexpand your social circle. Commuter stu-dents can still be actively involved incampus life even if they don't live oncampus, and student organizations are agreat way to do just that.• Get a job on campus. Manycommuter students work in an effort to

offset the rising costs of tuition. Whenlooking for work, such students can lookfor an on-campus job where they canmeet more of their fellow students. Thisis a great way to put some money in yourpocket while further involving yourself incampus life.• Play sports. Intramural sports arewildly popular on many college campus-es, and you need not be a great athlete totake advantage of these opportunities.Ask friends or acquaintances from class ifthey have a spot on their teams, ororganize a team of your fellow commuterstudents. Intramural sports can be agreat, pressure-free way to make newfriends on campus while getting a littleexercise to boot.• Make lunch dates. Many collegestudents, especially those living in dormrooms that aren't equipped withkitchens, have their meals with friendsand fellow students. Commuters can dothe same, booking lunch or dinner dateswith classmates and friends. This keepsyou on campus longer, which allows youmore time to make friends and assimilateinto the campus culture.

Howcommuterstudents

can assimilateinto campus

culture


Welcome To Saint Mary-of-the-Woods College

To the Class of 2017 and all returning students at Saint Mary-of-the-Woods College, I welcome you on behalf of the faculty and staff of TheWoods. As you begin this new academic year, I challenge you to dive fullyinto what is the journey of higher education. College life at The Woodsoffers you the opportunity to stretch your mind, deepen your spiritual val-ues, satisfy intellectual curiosity and embrace learning wherever it may leadyou.

By choosing to attend a small, private college, you will find a challengingand inspiring academic environment that encourages teamwork and leader-ship across disciplines. I encourage you to move beyond your comfortzone and give yourself fully to this unique and new experience.

Engage yourself fully in this learning community. Dare to be more thana by-stander! The distinctive liberal arts education at Saint Mary-of-the-Woods College offers you an intimate and collaborative college experience.There are wide ranges of activities in which to involve yourself. Whether itis in a leadership role by running for an office, participation in varioussports teams or one of many special interest clubs, find your place at theWoods and become involved. For, when you are engaged, you will learn somuch more about life and yourself and become the kind of person whoeffects positive change in society.

My final challenge is to our women and men in our online and graduateprograms. Involve yourself in many networking opportunities, which theWoods provides, and challenge us to find new ways for you to be an activemember of our community. Expert faculty members are dedicated to pro-viding quality educational programs and industry professionals are eager toenrich your college experience through internship opportunities or strate-gic partnerships. Whether you want to change or advance your career, youwill find that the flexibility of course delivery will fit your lifestyle andlearning style as you balance career and family responsibilities.

Again, I welcome you to The Woods, and I look forward to celebratingyour professional and personal accomplishments.

Dottie L. King, Ph.D. President Saint Mary-of-the-Woods College

Dear students,

Welcome to the Class of 2017 and to all of our returning students!Thank you for choosing Indiana State.

With college comes a lot of freedom, and you have many choices regard-ing how you use your time.

Paint your face blue and come out to an athletic event. Sign up for astudent organization. Splash around in the Student Recreation Centerpool. Dress up and go to the symphony. Help others by going on anAlternative Spring Break. Pursue an internship or a skills certification.Attend a play. Ride a trike at Homecoming. Go and hear a national author speak. Conduct researchwith a faculty member. . . The possibilities are endless.

However, please remember that going to class is important. Do yourpapers and projects. Get the most out of the investment you and yourfamily are making in your future. Have fun, get engaged with the campusand the community and don’t forget the main reason you are here.

Earning a degree is not easy, but the many lessons learned along thatpath will likely change your life forever.

As your semester progresses, please do not hesitate to ask your professorsand other ISU employees for help. Our campus has many resources thatwill aid you in achieving your educational goals.

I am looking forward to meeting you. Please stop me and introduceyourself when you see me on campus. Let me know how things are going.If there is something we should be doing to improve our programs andservices, let me know that as well.

Most of all, I am excited about congratulating you when you walk acrossthat stage at Commencement.

Best of luck for a great year.

GO TREES! Sincerely, Daniel J. Bradley President

Dear Students,

Welcome back and thank you for choosing Harrison College-Terre Haute as your college of choice! Taking the step to pursue and complete an education is a tremendous achievement that you will never forget. That step, though, can be one of the

hardest ones to make, and is a choice that no one else can make for you. To be a student, takes courage, creativity, and commitment.While the first step must be yours, you will not walk that journey alone. Our dedicated staff and faculty will be with you every step of the way. From

the personal service our admission representatives and financial aid staff will provide, to the small class sizes and one-on-one tutoring with experienced fac-ulty throughout your program, we will be there for you when you need us. We promise that you will always be a name to us and never just a number.When you walk across the stage at commencement, diploma in hand, we will be there front and center to cheer you on and celebrate your achievement.Upon graduation, you will find that our Career Services Department is there to assist you as you enter your new career field.

You will encounter many choices during your college career. We encourage you to make the most of every opportunity which arises. As a HarrisonCollege student, you may have opportunities to engage in community service, student associations, externships, internships, and student activities. I wantto encourage you to participate in as many extracurricular activities as possible which will only help to get your new career going in the right directionright after graduation.

Most importantly, remember to take one day at a time and enjoy being a student. Keep your goals in sight. Know that even if you have challengesalong the way that we are here to help you become successful.

Sincerely, Brennan J. Randolph Campus President Harrison College-Terre Haute


Welcome from Rose-Hulman Institute of TechnologyPresident James C. Conwell, PhD, PE

Welcome new and returning students to Rose-Hulman Instituteof Technology—a global leader in science, engineering, and mathe-matics education! And, welcome to your family and friends to ourTerre Haute community.

Many of you are returning to campus after a summer internship,time at home, or another summer experience, while some of us arebeginning our first full academic year at Rose-Hulman. Just like ourfreshman students, in many ways I feel like I am beginning myfreshman year, as well, since I arrived on campus as Rose-Hulman’snew president on May 1. I’m sure you will discover, as I have beendiscovering, everything you’ve heard about Rose-Hulman’s excel-lence is true—and then some.

All of you are top science, engineering, and math students. I amthrilled you have made Rose-Hulman a part of your educationaljourney. I would encourage you to share your talents and acceptyour classmates’ abilities as complements to your own. Utilizingyour own talents, and building upon the skills and experiences ofothers, will be a skill that will serve you well on campus and in yourprofessional career.

A rich educational experience doesn’t only happen in the class-room or lab. As your upperclassmen will tell you, these four yearswill go quickly and the challenges will be many, but you will discov-er opportunities that will help you to grow. Learn from experienceson campus and in our fine Terre Haute community. Enjoy thebeautiful recreation spots in Vigo County and discover the wonder-ful restaurants, coffee houses, entertainment venues, and shoppingexperiences in the area.

You have made a great choice in selecting Rose-Hulman, and wehave made a great choice in you. Enjoy your educational journeyand make the best of your time at this great institution and in ourcommunity.

Sincerely,James C. Conwell, PhD, PEPresident@RoseHulmanPrez

Dear students,

Congratulations on taking the first steps to advance your educa-tion and change your life! Team Ivy Tech is happy to assist youon your journey. I encourage you take advantage of the manyresources and services available to you here. If you need assis-tance, a great place to start is with one of our advisors. They area wealth of knowledge and they are friendly, caring people whounderstand how scary it can be to start out on a new adventure.

Once you’re enrolled, get involved in campus life! The Office ofStudent Life is on a mission to provide enjoyable and educationalactivities for you. There are many student clubs and organiza-tions that have activities not only on campus but also in our com-munities. Additional information can be found on our web siteat http://www.ivytech.edu/student-life/.

As you visit our locations, you will see changes designed specifi-cally to help support our students’ personal and academic achieve-ments. These changes include a remodeled Library and AcademicEnrichment Center at the Terre Haute main campus, interactivelearning classrooms at the Greencastle campus, a new Agriculturelab at the Center for Workforce Development in Terre Haute anda fitness center located at the new Ivy Tech Learning AchievementBuilding (TechLAB) in Terre Haute.

In addition to all of the bricks and mortar, we are also designingnew course offerings because we have not lost sight of students’ever-changing workforce needs. New course offerings includeTherapeutic Massage, Fine Arts, Energy Technology, SupplyChain Management/Logistics, Engineering and ElectricalEngineering Technology.

This year is a major milestone as Ivy Tech is celebrating its 50thanniversary. Over the past 50 years, Ivy Tech campuses statewidehave served over one million Hoosiers. Since 50th anniversarycelebrations come along only once, we have fun activities plannedduring homecoming week in October. We look forward to cele-brating with you, and I wish you the best for the upcoming schoolyear and beyond. I can’t wait to hand you your diploma at yourgraduation ceremony!

Sincerely, Ann M. Valentine, Ph.D., MPA Chancellor, Ivy Tech Community College-Wabash Valley


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The first week of life on a col-lege campus can be somewhatoverwhelming for first-year col-lege students. For many students,college is their first taste of inde-pendence. Some embrace thatnewfound freedom, while othersgrow homesick and long for thecompany of their immediatefamily. But as the school yearprogresses, the majority of first-year college students adapt to lifeon campus and grow to love theirnew surroundings.

Once students have comfort-ably adapted to their new lives,

Benefits to

joininga campus

organization

continued on page 13

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Fast Facts:Founded: 1865 as Indiana StateNormal SchoolEnrollment (Fall 2012): 12,114First-time Freshmen: 2664 Fall 2012Class size: 2/3 of classes have 30students or lessFaculty-student ration: 19.4 to 1 asof Fall 2012Living alumni: Over 98,000

Campus size: 435 acres with 72buildingsGrants Awarded: $10,248,265Majors: More than 100Degrees offered: Bachelor’s,Master’s, Doctorate and EducationalSpecialistMascot: Sycamore SamTeam Name: SycamoresColors: Blue and White

Fall 2013Tuesday, August 20 Classes begin Monday, September 2Labor Day (University closed;no day or evening classes) Tuesday, September 3Classes Resume Monday-Friday,November 25-29 Fall BreakThursday-Friday,November 28-29University Offices Closed Monday, December 2University Offices Reopen;Classes Resume Friday, December 6 Last Day of ClassesMonday-Friday,December 9-13Final Exams

Saturday, December 14Commencement/ResidenceHalls CloseTuesday-Wednesday,December 24-January 1Winter Recess; UniversityOffices Close

Spring 2014 Thursday, January 2 University Opens; ResidenceHalls Open Monday, January 6 Classes Begin

Monday, January 20Martin Luther King Jr. Day(University closed; no day orevening classes) Tuesday, January 21 Classes Resume Monday-Friday, March 10-14Spring BreakMonday, March 17 Classes Resume Friday, April 25 Last Day of Classes Monday-Friday, April 28-May 2 Final Exams Saturday, May 3 Commencement; ResidenceHalls Close

www.indstate.edu


Goodman & Wolfe Inc.(812) 232-1251Gurman Container & Supply(812) 232-3413Goodwill Industries(812) 235-1827Indiana State University Recycling Center(812) 237-8150Northside Recycling(812) 234-7722Sugar Creek Scrap Inc(812) 533-2147

In Terre Haute and Vigo County, weare striving to do our part to helpreduce and reuse for the benefit ofour planet. Two years ago, RepublicServices started the first curbsiderecycling program in Terre Haute. Helpus continue this progress by support-ing recycling at the following centers:

• Acrylic & Gel Nails • Gel Manicure• Pink & White • Silk Wrap • Nail Art

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Pedicurew/student ID

5117 S. US Hwy 41Terre Haute, IN

812-298-8008Mon. - Sat. 10am-7pm

UtilitiesElectric: Duke Energy(800) 521-2232Gas: Vectren Energy Delivery(800) 227-1376Water: Indiana American Water Co.(800) 492-8373Telephone: Verizon(800) 483-5000Sewer: Terre Haute WastewaterTreatment Plant(812) 232-6564Trash Collection: Republic Servicesof Western Indiana(812) 298-2100InternetJoink, Inc.(812) 234-5100Frontier Communications(800) 921-8101Cable: Time Warner Cable(812) 232-5013LibraryVigo County Public LibraryMain facility and branches(812) 232-1113Web site: www.vigo.lib.in.us

Mail ServicePost Office150 W. Margaret Dr.(812) 231-4000Web site: www.usps.comMediaNewspaperTribune-StarPublished daily and Sunday(812) 231-4200 or Fax: (812) 231-4234Web site: www.tribstar.comIndiana StatesmanPublished Monday, Wednesday & Friday(812) 237-3025 Web site: www.indianastatesman.comVisitor InformationTerre Haute Convention & VisitorsBureau(812) 234-5555 or Web site: www.terrehaute.comGreater Terre Haute Chamber ofCommerce(812) 232-2391 Web site: www.terrehautechamber.com

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2013FALL SEMESTER

August 19 (Monday) Fall Semester ClassesBegin September 2 (Monday) Labor Day – CampusClosed September 3 (Tuesday) Classes Resume November 26 – 27(Tuesday & Wednesday)Fall Break – No Classes November 28 – 29(Thursday & Friday) Thanksgiving Break –Campus Closed November 30 (Saturday) Thanksgiving Break – NoClasses December 2 (Monday) Classes Resume December 9 – 14(Monday – Saturday)FINALS WEEK December 14 (Saturday) Last Day of Fall Semester December 25(Wednesday) Christmas Holiday –Campus Closed

2014Spring Semester

January 1 (Wednesday) New Year’s Day – CampusClosed January 13 (Monday) Spring Semester ClassesBegin January 20 (Monday) Martin Luther King, Jr.Day – Campus Closed January 21 (Tuesday) Classes Resume

March 9 – 15(Sunday – Saturday) Spring Break – No Classes March 17 (Monday) Classes Resume May 5 – 10 (Monday – Saturday) FINALS WEEK May 8 (Thursday)Graduation May 10 (Saturday) Last Day of SpringSemester

NOTE: Dates on this calen-dar are subject to change.

Fast Facts

Did you know… • Ivy Tech is the largest collegesystem in Indiana.

• Our tuition is about $3,300 ayear—a fraction of the cost ofother colleges and universities.• We can get you started withcredits that transfer to collegesthroughout Indiana—and beyond.• Ivy Tech Corporate Collegeoffers local, affordable solutionsfor Indiana business and industrytraining needs.

Ivy Tech Community College—Wabash Valley serves Clay,Sullivan, Parke, Putnam,Vermillion, Vigo and Greene coun-ties.

Classes and training are offeredat the main campus, MLK Center,Center for Workforce Development(CWD) and the Ivy Tech LearningAchievement Building (TechLAB)in Terre Haute and at theGreencastle Campus, SullivanCounty Learning Center, ParkeCounty Learning Center inRockville, the Ivy Tech CommunityCollege Cooperative in Linton, theLEAAP Center in Brazil and manyarea high schools offering IvyTech dual-credit courses.

Visit IvyTech.edu/WabashValleyfor more information.

www.ivytech.edu

New collaborative-model classrooms on Ivy Tech’s campus, where technology allows communicationsprofessor Claudine Gaston to roam the classroom and interact with students.


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Students

many seek opportunities to becomemore actively involved in life on cam-pus. College clubs and organizations area great way to do just that, providing ahost of benefits that further enhancescollege life.Meet people

Joining a student club or organizationis a great way for college students tomeet fellow students, professors andother people of note on campus. This isespecially beneficial for first-year collegestudents, whose social circle may other-wise be limited to roommates or fellowresidents of their dormitories. Joining aclub or student organization can quick-ly expand that social circle to includepeople who share your interests and notjust your dorm assignment.Find a major

Many first-year college students areunsure about a course of study,enrolling as an undeclared. Such stu-dents can benefit from joining clubs orstudent organizations that pique theirinterests. For example, joining an on-campus debate club might help you dis-

cover a passion for debate, which canlead down a path to becoming a lawyer.Students who enroll in college withoutdeclaring a major may have the most togain by joining a club or organization.Boost your GPA

Joining a club or student organizationalso may make you a better student.That's especially likely for students whojoin a club or organization that'saligned with their field of study. A clubor organization can help you apply les-sons from the classroom in real-worldsituations, improving your grasp of cer-tain concepts. In addition, your fellowclub members may make great teachers,especially those who are ahead of youand have taken many of the same class-es you're now taking or can expect totake down the road. Such students canbe invaluable resources, helping explainconcepts and offering advice as towhich courses to take and which profes-sors they prefer.Network with professionals

Clubs and campus organizations alsoare a great way to begin networking

with professionals in your future line ofwork. Many clubs or organizationsbring in professionals within the field tospeak to members. Such speeches anddiscussions are typically members-only,which means you will have an advan-tage over fellow students in your field ofstudy who have not gone the extra mileand joined a club or organization.Professionals may also give you adviceon finding an internship in your fieldor a job once you have graduated.

Improve your overall experienceEven if a student club or organizationhas nothing to do with your studies oryour future career, signing up is a greatway to improve your overall collegeexperience. You're liable to create morememories, make more friends and getthe most out of your time on campus,which many college seniors will tell youis going to be gone before you know it.Take advantage of all of the opportuni-ties your college or university offers,and you will likely one day look backand be glad you made the most of yourtime on campus.

continued from page 8


22001133--1144 Fall QuarterFriday, August 30 Fee Payments Due - Fall QuarterFri.-Wed.,Aug. 30-Sept. 4 New Student OrientationMonday, September 2Freshman RegistrationThursday, September 5 Classes Begin - 8:05 a.m.Monday, September 9Registration Deadline -4:00 p.m.Wednesday, September 11 Final Date to Add a ClassSaturday, October 12Midterm Progress ReportsDue - 11:00 a.m.Mon.-Wed., October 14-16 Registration for WinterTerm (Classes in Session)

Thurs.-Fri., October 17-18, Fall Break - No ClassesFriday, November 1Final Date to Drop aCourse without PenaltyMonday, November 18 Final Examinations Begin -8:00 a.m.Thursday, November 21Final Examinations End -5:00 p.m.Friday, November 22 Fee Payments Due -Winter Quarter Monday, November 25Final Grades Due - 9:00a.m. & Fall Term Ends -5:00 p.m.WWiinntteerr QQuuaarrtteerr

Monday, December 2Classes Begin - 8:05 a.m.Wednesday, December 4Registration Deadline -4:00 p.m.Friday, December 6

Final Date toAdd a ClassFriday,December 20HolidayVacationBegins - AfterLast ClassMonday,January 6 ClassesResume - 8:05 a.m.

Saturday, January 18Midterm Progress ReportsDue - 11:00 a.m.Mon.-Fri., January 20-24Registration for SpringTerm (Classes in Session)Friday, February 7Final Date to Drop Coursewithout PenaltyMonday, February 24 Final Examinations Begin -8:00 a.m.Thursday, February 27 Final Examinations End -5:00 p.m.Friday, February 28 Fee Payments Due -Spring QuarterMonday, March 3Final Grades Due - 9:00a.m. & Winter Term Ends -5:00 p.m.

Spring QuarterMonday, March 10Classes Begin- 8:05 a.m.Wednesday, March 12 Registration Deadline -4:00 p.m.Friday, March 14 Final Date to Add a ClassSaturday, April 12Fundamentals ofEngineering ExamSaturday, April 12Midterm Progress ReportsDue - 11:00 a.m.Friday, April 18Spring Break Begins afterLast Class

Monday, April 28Classes Resume - 8:05 a.m.Mon.-Fri.. May 5-9 Registration for Fall Term(Classes in Session)Friday, May 9 Final Date to Drop Coursewithout PenaltyTuesday, May 27 Final Examinations Begin -8:00 a.m.Tuesday, May 27 Grades Due forGraduating Seniors - 9:00 a.m.Friday, May 30 Final Examinations End -5:00 p.m.Saturday, May 31 Commencement 11:00 a.m.Tuesday, June 3 Final Grades Due - 9:00a.m. & Spring Term Ends -5:00 p.m.

www.rose-hulman.edu

The facts, not the fluffFounded: 1874 as RosePolytechnic Institute Renamed: 1971 as Rose-HulmanInstitute of Technology Location: 200-acre campus east ofTerre Haute, Indiana Enrollment: Around 2,000 under-graduate students and just under100 graduate students Admissions: This year 5,046 peo-ple applied and 562 students wereexpected in the freshman class. Thisgroup includes 125 female students

and 64 from international destina-tions. Faculty-Student Ratio: 1:12 After Commencement: Nearly100% of Rose-Hulman studentshave a job lined up by graduationwith an average starting salaryaround $65,800 Points Of Pride: Rose-Hulmanhas been ranked No. 1 in U.S.News & World Report’s CollegeGuide for colleges specializing inundergraduate engineering. Thecollege has also been ranked in

The Princeton Review’s 2014 Best378 Colleges and 2014 Fiske Guideto Colleges, and had six professorsnamed to The Princeton Review’s2013 Best Professors book.


PUMPKIN WORKS

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PUMPKIN WORKS

Children spend roughly 17 to 18 years living under Mom and Dad'sroof. When the time comes to go away to college, young men or womenfind themselves on their own for the first time in their lives. Onceyoungsters move into their dorm rooms, many attempt to add a fewpersonal touches to their new home.

All too often a college dorm room is drab and uninspiring.Universities tend to make dorm rooms sparse so they are easy to main-tain. Very often walls are made from concrete or brick, and the spacemay not be very large. In addition, dorm rooms are often shared with aroommate, and the idea of spending semester after semester here maynot be so appealing.

Students tend to arrive on campus with fixed budgets and not a lot ofspending money for new furnishings, so dorm rooms often become pop-ulated with garage-sale finds and hand-me-downs. This may only add tothe room's poor aesthetics.

Making a dorm room your own does not require a lot of money orknow-how. It starts with a vision, a few comforts from home and somecollaboration with your roommate. The following are a few tips foryoung men and women looking to turn their dorm rooms from drab tofab.

How to make adorm room your own



• Know the dorm rules beforemaking any permanent changes.Rather than face fines at the end of theschool year, know what you can andcan't do to your room before makingany changes. For example, schools mayfrown on holes in walls or other struc-tural changes, so invest in stick-on hooksfor hanging photos on walls. • Consider using a dorm roomplanning Web site. Certain Web sitesenable students to share a collaborativeshopping cart with roommates so theycan coordinate colors and avoid buyingtwo of the same items.• Remember, the bed is the piv-otal piece of the room. Most dormrooms fit little more than two beds andtwo desks. Therefore, the bulk of yourdesign will come from outfitting yourbed with a comforter that adds color andlife to the room. If you haven't yetdecided on a color scheme with yourroommate, you may want to opt forneutral colors, or even basic black-and-white, which will blend with anything.• Invest in other creature com-

forts. A nice area rug and a few decora-tive lamps can remove the institutionalfeel of overhead fluorescent lights andcinder block walls. Task lighting enablesyou to get work done at your desk or toread on the bed.• Consider curtains to add ahomey feel. While blinds certainlyhave their utility, fabric curtains can helpabsorb noise and also make a dormroom feel more like home. If your dormroom has an attached bathroom, hang ashower curtain and usethick towels to make thespace seem more likehome.• Carve out a spotfor a mini refrigera-tor. Students shouldnot survive on cafeteriafood alone. Bring a minirefrigerator for thoselate-night cravings. Thiswill save you from over-paying at vendingmachines or at the near-by convenience store.

• Ask Mom what laundry deter-gent she uses. Smells can triggerpowerful memories and emotions.Washing linens and clothing with thesame detergent used at home can makeschool feel more familiar.• Don't forget photos. Frame pho-tos of friends and family members andplace them around your area of thedorm room. This way you will havefamiliar faces smiling back at you whenyou need a little pick-me-up.



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August 17-18Senior City- Golf (Rea/Hulman-inquire)August 17T H Community Band Concert 8 p.m.Fairbanks ParkAugust 23-25Scheid Diesel ExtravaganzaAugust 24-25Rea Park Club Championship (Rea Park)August 24 & 31 & Sept 7 Men of Note & Claudiea Concert @ Fairbanks 6:30-8:00September 21Bat Festival @ ISU+ Bat Science NightAt Fairbanks 6-10 pmSeptember TBAAltrusa Chili Cook OffSeptember TBAAnnual Gathering of the Pow WowSeptember TBASporting Clays Shoot (STATE)September TBAOktoberfestSeptember TBABlues at the Crossroads over 2 days

September 21-22Fall Classic- Golf (Rea/Hulman-inquire)October TBA-ISU HomecomingOctober 11-12T H Parks Un-Haunted HalloweenHappenings @ Deming Park 6-9October 1325th Old Fashion Day & Art too 12-5 @ Collett ParkOctober 69-5 Pioneer Days at Fowler ParkOctober 11-20Covered Bridge Festival (Always 2nd weekend-starts)October 1425th Annual Old Fashion Day & Artstoo @ Collett ParkOctober 18-19Haunted Halloween @ Deming 7-10November 3Daylight Savings Time BeginsNov 30-Dec 1 TKO Tournament - Womens BowlingDecember 227th Annual Christmas in the Parklights on until 12/26/13

December 2,7-8,9,14-15Pictures with Santa at the HolidayHouseDecember 9Christmas in the Park judging Night6:00December 6Christmas Walk at Fowler Park 6-9 December TBAMiracle on 7th StreetDecember 14Clabber Girl County Christmas

CROSS COUNTRY SEASON September-November 2013TBA StateTBA NikeTBA Div I

Oct 22, 2014- Oct 22, 2015St. Mary’s is having a year-long celebration 175 Anniversary


Fall 2013September 2 Labor Day (Campus Closed) September 3Classes ResumeSeptember 9-14Final ExamsSeptember 13Fall 2013 New StudentOrientationSeptember 14Summer 2013 Term Ends September 16-21Fall BreakSeptember 23Fall 2013 Term BeginsOctober 28Fall 2013 Midterm StartBeginsNovember 4-7Registration for Winter 2014TermNovember 28-29Thanksgiving Holiday(Campus Closed)December 2Classes Resume

December 9-14Final ExamsDecember 13Winter 2014 New StudentOrientationDecember 14Fall 2013 Term EndsDecember 16-January 4Winter BreakDecember 24-25Christmas Holiday (Campus Closed)January 1New Year’s Day (Campus Closed)

Winter 2014January 6Winter 2014 Term BeginsJanuary 20Martin Luther King Jr.Birthday (Campus Closed)January 21Classes ResumeFebruary 10Winter 2014 Midterm StartBeginsFebruary 17-20Registration for Spring 2014Term

March 19-25Final ExamsMarch 21Spring 2014 New StudentOrientationMarch 25Winter 2014 Term EndsMarch 26-30Spring Break

Spring 2014March 31Spring 2014 Term BeginsApril 18Good Friday (Campus Closed)April 21Classes ResumeApril 28Spring 2014 Midterm StartBeginsMay 12-15Registration for Summer 2014TermMay 26Memorial Day(Campus Closed)May 27Classes ResumeJune 9-14Final Exams

June 13Summer 2014 New StudentOrientationJune 14Spring 2014 Term EndsJune 16-21Summer Break

Summer 2014June 23Summer 2014 Term BeginsJuly 4Independence Day (Campus Closed)July 7 Classes ResumeJuly 28Summer 2014 Midterm StartBeginsAugust 11-14Registration for Fall 2014Term

Harrison College Quick Stats Year Established: 1902 Locations: 11 campuses across thestate of Indiana, one campus in Ohio,plus Online Studies and The Chef’sAcademy, our culinary division. Academic Degrees: Bachelor,Associate, Diploma, Certificate. Schools of Study: Harrison’s programsfall within Schools of Health Science,Criminal Justice, Business, VeterinaryTechnology, Information Technology, andCulinary. Programs and Courses: More than 30to choose from.

Class Schedules: Day, evening andonline flexibility. Average Class Size: 16 students perinstructor. Enrollment: 6,100+ students throughoutthe school.

Financial Aid: A majority of our stu-dents qualify for some form of financialaid. Graduation Rates: 35% of students

seeking a degree graduate.Graduates: More than 75,000students have graduated fromHarrison College. Graduate EmploymentRates: 70.3% of our graduatesfind employment in their field ofstudy.

Harrison College is anaccredited institution with theAccrediting Council ofIndependent Colleges andSchools (ACICS) dedicated toexcellence in higher learning.In addition, the College is cur-rently a Candidate with TheHigher Learning Commissionan affiliate of the North CentralAssociation (HLC-NCA).

www.harrison.edu

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2013-1014August 18-23International student orienta-tionAugust 22New student orientationbeginsAugust 22-25First year student orientationand Transfer student orienta-tion – Le Fer HallAugust 25Halls open for returning stu-dents – noonAugust 26First Monday (check-in for allstudents)August 27First day of classesSeptember 2Labor DaySeptember 2Last day to “clean” drop acourseSeptember 6Last day to add a courseOctober 9Halls close at 6 p.m.October 10-11Fall Break

October 13Halls open at noonOctober 18Last day to withdraw from acourseOctober 28First day of RegistrationNovember 26Halls close 6 p.m.November 27-29Thanksgiving breakDecember 1Halls open at noonDecember 9Study dayDecember 10-13Final examsDecember 13Halls close at 6 p.m.December 16Christmas Break (through 1/5)

January 5Halls open atnoonJanuary 6First day ofclassesJanuary 17Last day to adda courseJanuary 17Last day to

“clean” drop a courseJanuary 20Martin Luther King DayFebruary 17President’s DayFebruary 25Midterm gradedeadlineFebruary 28Last day to with-draw from a courseMarch 7Halls close at 6p.m.March 10-14Spring BreakMarch 16Halls open at noonMarch 22Ring DayMarch 24First day ofRegistrationApril 16Halls close at 6

p.m.April 17-21Easter BreakApril 21Halls open at noonApril 28Study dayApril 29-30Final ExamsMay 1-2Final ExamsMay 2Halls close at 6 p.m.May 13Baccalaureate Commencement

College National Recognition: Saint Mary-of-the-Woods College (SMWC) isconsistently ranked as one of the best col-leges in the Midwest by U.S. News & WorldReport. History: The nation’s oldest Catholic liberalarts college for women, SMWC offers under-graduate, distance and graduate degrees to

women and men. TheCollege was founded in 1840by Saint Mother TheodoreGuerin and the Sisters ofProvidence.Location: Saint Mary of theWoods, Indiana (five milesnorthwest of Terre Haute) Campus: 67-acre, woodedrural setting.

Accreditation: The College is accredited bythe Higher Learning Commission of theNorth Central Association of Colleges andSchools. Athletics: SMWC offers seven sports: basket-ball, cross country, golf, soccer, softball aswell as hunt seat and westernequestrian. The teams compete nationally in

the United States Collegiate AthleticAssociation (USCAA) and the IntercollegiateHorse Show Association (IHSA).StudentsEnrollment (Fall 2012)Total Students: 1,309 265 undergraduate women823 online coed221 graduate, coedStudent/Faculty Ratio: 11:1Programs: With SMWC’s superior academicprogramming and a supportive community,you will find your voice to make a positivechange in the world. We offer more than 25majors, and international exchange program,in-depth faculty interaction and numberousleadership opportunities.

www.smwc.edu


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Learning Note-takingIt may not seem as such, but note-taking can

almost be a lesson all its own. If only studentscould enroll in Note-Taking 101. Some ele-mentary and high-school teachers attempt toteach strategies for taking notes, includingdeveloping outlines, but many students stillstruggle to maintain the essentials as theymove through school. It can be confusingknowing just how much to write down with-out creating a novel or having notes so scantthat they provide little information when itcomes time to study.

There are many systems of note-taking that astudent can learn. These include using graphicrepresentations to map out interconnectedconcepts. Outlines or charts can group termi-nology together with related ideas. There areother techniques that use cue words to triggerrecollection of facts and dates. Mnemonicdevices help recall information. Students canexperiment with different methods until theyfind a system that works well and offers meas-urable success.Improving Listening Skills

No matter what method of note-taking isused, adequate listening skills are necessary totake effective notes. This helps students trans-fer what the professor is saying into ideas that

can be put down on paper. Staring off intospace or having your mind drift can cause astudent to miss out on key parts of a lecture.To improve note-taking skills, a student mustfirst improve listening skills.• Sit up closer to the teacher or pro-fessor. This enables eye-to-eye contact thatmay help a student focus. It may also triggervisual clues to a professor to gauge whether theclass is catching on or missing what's beingtaught. It's also advantageous from a practicalstandpoint. It enables students to better hearwhat's going on. If the professor is garbled orinaudible when sitting far away, moving closeris essential, especially in a large lecture hall.• Remove distractions. When a studententers the classroom, he or she should be readyto learn. That means silencing mobile devicesand gearing the mind toward the lessons. Notevery lecture will be exhilarating, so studentsshould make a conscious effort to pay atten-tion. Limiting distractions can help.• Use an assistance device. Studentswho are prone to "zoning out" may want toask permission to use a voice recorder. Thisway if key elements of the lesson are missed,they can be played back. This method alsohelps students fill in gaps when taking orstudying notes.

A student's success in school is measured bythe assignments completed and tests he takes.The students who garner the best grades anddo well in class are often those who are effec-tive listeners and note-takers.

Professor Dennis Jertz of Seton HallUniversity has said that taking lecture noteseffectively is one of the skills students mustlearn to make the transition from high schoolto college careers. Note-taking is also necessaryin the business world, making it a worthwhileskill to learn.

Despite its importance in higher learning,not much study has gone into the correlationbetween note-taking and performanceimprovement. As a result, statistics supportingthe importance of effective note-taking do notexist. But it stands to reason that the studentwho takes good notes, and studies well fromthem, has a sporting chance to improve his orher grades over others with poor notes.

Keys To Note-takingOnce listening skills have

improved, students can go ontoto other note-taking pointers. • Sequencing material is impor-tant, so notes should be datedand numbered. If references aremade to chapters that correlateto the textbook, jot those downso they can strengthen thenotes.• Charles Kettering, anAmerican engineer and inventor,said, "There is a great differencebetween knowing a thing andunderstanding it." When jottingdown notes, a student who dis-covers that something seemsunclear can ask for clarificationor make a point to research thatcomponent further.• Students should consider writ-ing notes on one side of thepage so that they can each belaid out side-by-side. Looseleafpaper works well, or notes canbe typed and printed out.• Students should develop theirown method of abbreviationsand symbols to cut down on theamount of writing needed.Notes needn't be in full sen-tences; phrases are equally effec-tive.• If a professor writes somethingon a chalkboard, puts text up ona projector or repeats somethingseveral times, it should definitelybe written down. There is agood chance that informationwill be on the test.• Students may want to reviewnote-taking strategies with oneanother. Maybe there is a suc-cesfful method employed by onestudent that he or she can sharewith classmates.• Rewriting or typing noteshelps ingrain the information inthe brain more than simplyrereading it.

Note-taking is an importantskill many students should makethe effort to learn. Improvedtest scores can lead to a highergrade point average. This, inturn, can help with success inschool and beyond.

How to takeeffective notes


Choosing a major is often met with trepidation. College studentsmay feel pressured to choose a major when they are less than certainabout what they want to study. Majors aren't set in stone and stu-dents have the opportunity to switch concentrations if their originalchoice isn't the right fit.

Perhaps now more than ever, there is pressure on students to pickthe right college major. In this weak economy, experts are toutingadvice on choosing a major that gives students the best chance offinding a job after graduation. Students usually have so many inter-ests that they have difficulty narrowing their choices. Their firstinclination is not to declare a major and wait to see if they findtheir niche.

In general, two out of every three university students changemajors at least once. This should give hope to students who feel


How toswitch majors

successfully


Ear plugsRoommates, dorm rooms andapartment complexes are noisy.Keep ear plugs on hand to helpshut out distractions and ensurequiet study time and a good night'ssleep. CoffeemakerFrom all-nighters to early classes,keeping a coffeemaker on handhelps keep co-eds awake and cutsdown on expensive coffeehousebrews. Snag multi-cup machines,like those from Black & Decker,with auto shutoff features (it pow-ers down as you power up for theday), plus Sneak-a-Cup capabili-ties, allowing you to snag a quickcup, even as the full batch is stillbrewing.DVD caseBudding cinephiles should leaveDVD boxes at home and transfer

their collection to a sturdy carryingcase, making their new, semi-nomadic lifestyle that much easierto manage and to keep all theirfavorite films in one, easy-to-findplace.ToasterFor undergrads, bagels and toastare pretty much a major foodgroup. Luckily these days, evenaffordable toasters come in cool,stainless steel designs. Fine onewith extra-wide slots for easy load-ing and unloading.Flip-flopsCommunity showers are an unfor-tunate rite of passage for manydorm dwellers. So always remem-ber to keep a dedicated pair of flip-flops to spare bare feet fromtouching questionable tile.Extra-long sheetsWhen it comes to bedding, just

remember: Double-X. Translation?Extra sets of extra-long twin sheetsfor oddly-sized dorm-room mat-tresses. Students don't alwayshave time to do laundry, which iswhy it's smart to keep an extra pairon hand, too. Surge protectorBetween phone chargers, comput-ers, desk lamps and all sorts ofother gadgets, it's always a brightidea to bring a power strip withsurge protector to help managetoday's many electronic needs.QuartersSure, home is great for free laun-dry. But between visits, be sure tohave a stash of quarters ready forthe laundry room. And a timer isn'tbad either. Nothing worse thanfinding one's wet unmentionablespiled high atop a public machine byan impatient neighbor.

(Family Features) Far from home for the first time, many col-lege-bound students face new challenges and responsibilities notalways covered on the SAT - from term papers and study groups,to unforgiving professors, part-time jobs and all the othernuances of newfound independence.

And these days, with many students on a tight budget andsharing cramped rooms and counter space, finding ways to bringa bit of domesticity to the dorms - or a first apartment - isn'talways a top priority. But maintaining a balance between schooland life, while learning the skill sets to take care of oneself in thereal world, are arguably just as important as acing any exam.

That's why it's a prerequisite for students to come preppedwith at-home necessities to keep them on their A-game. Thisincludes a few culinary essentials and household items designedto keep co-eds well-fed (toasters and countertop ovens) and well-pressed (an iron), even in the wilds of the real world.

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they need a chance. Here are some tipsthat should help with the process.• Wait to declare. Many educatorsadvise waiting a semester or two beforedeclaring a major. Take a variety of elec-tive courses and general education classesthat will fit degree requirements regard-less of major. A guidance counselor oradviser can help undecided studentschoose courses that might lead them toan area of study.• Take an assessment test. Thecareer or guidance office may offer someof the standardized tools to help studentsfind an area of concentration. TheMyers-Briggs Type Indicator (MBTI) andthe Campbell Interest and Skill Surveyare two resources students use to identifystrengths and potential paths of study.• Do your research. If you're con-sidering a new major, talk to your advisorabout what will be required of that newmajor, including classes and othercoursework. You can also talk to studentscurrently studying under that major.Knowing what to expect beforehand can

make the decision-making process a littleeasier.• Talk to the dean. Many collegesand universities have deans or advisors incharge of students in certain majors.They will know the courses required fora degree. Switching majors may involvetaking or re-taking some courses that willfit with the new major. It may also meanthat some courses that were taken cannotbe applied to the new major. This canresult in having to take more classes onesemester or taking an extra semester tograduate.• Consider finances. Taking differ-ent classes or stretching out your collegecareer an additional semester might costmore money. Be sure that the financesare there, whether personally provided orfunded through financial aid.• Assess whether your majortruly matters. Many liberal arts orgeneral studies majors are applicable inmany fields. Therefore, switching majorsmay not even be necessary. Think aboutcontinuing with a current major and

then concentrate or minor in somethingmore specific. • Determine if you really need toswitch majors. Sometimes the deci-sion to switch majors is made for you. Ifyou are having difficulty keeping up inclass or find the courses really do notinterest you, it may be time to change.Failing grades can impact grade pointaverage. Dropping a class -- or a major --is a way to redeem yourself.• Consider a double major.Students who ultimately cannot decidecan choose to study for a double major.This may look good on a resume andshow potential employers that you arenot afraid of work. It also enables you tostudy two different subjects in detail.Keep in mind that double majors willmean a lot of extra work and may delaygraduation so that you can get all thecredits needed.

Choosing a major is seldom an easydecision. Rest assured that if the firstchoice isn't ideal, students can switchmajors successfully with few obstacles.



Ambrosini’s1367 Wabash Ave.(812) 235-1445Live bands, DJ’s, &Karaoke

The Apple Club,Holiday Inn.3300 S. U.S. 41(812) 232-6081Live music nightly.Upscale dining.

Ballyhoo 9th & Chestnut(812) 232-1540Live music or DJ mostnights. Serving food anddrinks with specials daily.

Boot City Opry11800 US Hwy 41 S.(812) 299-8379Live shows and performances.

Buffalo Wild Wings3718 US HWY 41(812) 242-9464Pool tables and televisions.

The Cabin Pub & Grill1350 Hulman St.(812) 232-7806Live bands, outdoor patio

Club Soda609 S. 4th St.(812) 232-2631Alcohol and drug freeclub.Hours: 6 a.m. to 10 p.m.,Monday through Friday;

8 a.m. to 11 p.m.,Saturday;9 a.m. to 10 p.m.,Sunday.

Coffee Grounds423 Wabash Ave.(812) 238-9664Coffee house serving finecoffees and desserts. Livemusic some weekends.

Copper Bar810 Wabash Avenue(812) 238-0033Web site: www.thecopperbar.comLive bands, DJ, and televisions. Serving food and drinks.

Haney’s Bar3101 Schaal Ave.(812) 232-7901

M. Mogger’sBrewery Pub &Restaurant908 Poplar St.(812) 234-9202Live music frequently.

Show Me’s2324 S. 3rd St.(812) 234-8123

Simrell’s804 S. Seventh St.(812) 232-4114Live entertainment frequently. OccasionalD.J. Karaoke on Mondaynights.Pool tables.

Sonka Irish Pub &Cafe14th & Wabash Ave.(812) 234-8802A traditional Irish Puboffering great beer andfood.

Stables Steakhouse939 Poplar St.(812) 232-6677Upscale dining. Uniquebar and atmosphere.

Teepee Tavern1652 S. 25th(812) 232-6149

Terminal820 Wabash Ave.(812) 232-8480Nascar Sundays. Sports ontelevision almost everyevening. DJ on Friday andSaturday. Pool tables.

The Verve677 Wabash Ave.(812) 234-9536Live music most evenings

Wagon Wheel Bar &Grill1147 Lafayette Ave.(812) 232-6171

For a variety of live music and dancing, visit these localhot spots. Music and entertainment formats are subject

to change, so we suggest you call ahead.

Laundry is a chore few people enjoy. Allthat sorting, washing, drying and foldingcan be time-consuming.

But laundry is a chore you simply can-not ignore. Fortunately, there are ways tocut down on the amount of time andeffort that goes into doing laundry.• Get more out of your wardrobe.Reducing your laundry load often meansgetting more wear out of clothes beforethey end up in the hamper. However,there are some who may cringe at thethought of wearing dirty clothes. But justhow "dirty" are they? Many clothes canbe worn a few times before they need tobe laundered.• Sort before washing. Purchase asorting hamper that enables you to sortclothes into lights, darks and delicates soyou will not have to do the sorting at thetime of washing.

• Use "pod" type laundrydetergent. Pre-measured laundrydetergent pods contain just the rightamount of detergent needed for mostloads. Rather than measuring andpouring, you can pop in a pod andgo.• Don't overload the washeror dryer. If you fill up the washingmachine or dryer to the brim, youmight feel as if you can fit moreclothes into every load and save time. Butthat's not the case, as the washingmachine or dryer may not adequatelywash or dry your clothes if it's too full.You may end up having to run anothercycle, which will take longer.• Rinse stains when they happen.Use some cool water to dilute stains andapply a pre-treater. In so doing, yourclothing item can sit around for a daybefore washing without forcing you tospend time fighting a stubborn stain thatwon't wash out.• Add a dry bath towel to thedryer. Include a dry bath towel whenmachine drying a damp load of clothes tomake clothes dry more quickly. Some sayputting a tennis ball in the dryer also will

help fluff the clothes and make them dryfaster.• Remove clothes promptly. Toavoid a big ball of wrinkled clothes, takethem out of the dryer when they're done.When you forget to remove clothes rightway, rerun the load for a few minuteswith a damp towel inside to loosen wrin-kles.• Get organized. A more organizedlaundry space can cut down on the time ittakes to wash and dry clothes. Have racksfor hanging delicate garments and shelvesfor folding and sorting.• Play catch-up. If clothes have piledup and you simply have not had the timeto get to them, drop them off at a nearbylaundromat. Many have wash-and-dryservice for a few cents per pound.


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• Steer clear of cardswith annual fees. Somecredit cards charge annualfees, regardless of whether ornot a consumer ever makes asingle purchase. Since manycards' interest rates are similar,try to find one that doesn'tcharge annual fees.• Find the best annualpercentage rate. Whileinterest rates are often similar,some cards have a betterannual percentage rate, orAPR. As attractive as lowinterest rates can be, be espe-cially cautious with cards thatpromise zero percent interestfor the first six or 12 monthsafter signing. That's becausesuch cards typically have veryhigh APRs. This isn't amonthly fee, but rather afinance charge referred to asan annual rate. For collegestudents, whom history sug-gests struggle to pay their bal-ances in full each month, ahigh APR could add consider-ably to the cost of having acredit card.

• Don't overdo it withcredit cards. If at all possi-ble, college students shouldstick to one card and one cardonly. The card should only beused to help build a credit his-tory and in the case of anemergency. Students who needmore cards are either findingthemselves in far too manyemergency situations or harm-ing themselves by chargingtoo many purchases to plastic.• Be skeptical of rewardcards. In theory, rewardcards are excellent. The more aconsumer purchases, the morerewards points they accrue.Those reward points can thenbe used toward a host ofthings, including airline miles.However, college students typ-ically do not make muchmoney, and reward cards arereally only beneficial to peoplewho charge a lot of their pur-chases. Such people can typi-cally afford to do so, whereasthe average college studentcannot. Reward cards are bet-ter suited for men and women

with full-time jobs and not soideal for college students with-out steady streams of income.• Don't be late. If pay-ments are not made online,they should be mailed at leasta week in advance of the duedate. A history of late pay-ments can quickly mar a cred-it report. Even if only theminimum payment is possible,make sure that payment ismade on time.• Borrow from Mom andDad, not the credit cardcompany. Credit card com-panies will lend cash to their

customers. These loans arecalled cash advances. Butunlike borrowing from Momand Dad, accepting a cashadvance from a credit cardcompany typically comes witha heavy interest rate, making itmuch more worthwhile to callhome instead of taking a cashadvance.

Getting a credit card is animportant step for young peo-ple. Students should just becareful the credit card ends upbuilding a solid credit founda-tion instead of digging a sig-nificant financial hole.


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College is a period of firsts. It's the first time manystudents are away from home for an extended periodof time; it's the first time students get to choose theirown coursework; and it's the first time many are leftto their own devices with respect to taking care ofthemselves.

College is also the first time many apply for a creditcard. Although at this point in life, it's important forpeople to begin building their credit histories, it's justas important for them to carefully consider the varietyof credit card options before committing to a card. Allcards are definitely not equal, and college studentsshould look for cards that will help them start build-ing a solid credit foundation. So how can college students find a card that's fit forthem? Consider the following tips.

Credit cardpointersfor today's

college students


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Borrow only what you need.Remember, every dollar you don’t bor-row is a dollar—plus interest—youdon’t need to repay.Make in-school payments.Choose a loan that encourages you tomake in-school payments to help min-imize interest expense. Pay extra whenever you can.Add $20, $50 or $100 to everymonthly payment that you can whilein school and after graduation. When

you receive a financial gift, put whatyou can toward your loan. If you get araise, increase your monthly pay-ments. Budget for success. As a studentor a young professional, keep track ofyour spending and saving. You’ll bemore motivated to control the moneycoming in and going out. Use deferment and forbearanceappropriately. You may be able topostpone your payments for a short

period of time if you’re facing finan-cial challenges, but only do so as a lastresort since it can wind up costing youmore. As soon as you can, catch up.Deduct the interest from yourtaxes if you can. At tax time,check whether you qualify to deductinterest paid on your student loans.Depending on your income, you maybe eligible for a tax benefit on studentloan interest even if you don’t itemizeother deductions.

Tips On ManagingYour Student Loans

(NAPS)—Many families are digging deeper to invest inwhat they value most: a college degree. A number of themare taking practical steps to reduce costs associated withcollege, and more than two-thirds of parents and studentsstrongly agree that a college degree is more important nowthan ever. To make the investment possible, families oftencount on student loans.

Tips to help families successfully repay their student loans: . . . . . . . . . . . . . . . . .➤

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campusguide 2013

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