Vikings Ask, Vikings Answer - Fall 2018

Grand View asks students and alumni to share or define what success means to them and what they believe success will look like in their future. A short survey lets respondents ask questions on how to be successful - probing for advice on career and personal topics. Alumni then answer questions based on their own life experiences.

Questions and answers appear below. Clicking on the + symbol next to each question below opens the answers. Enter a keyword or phrase into the FAQ box to find specific topics quickly.

If you like an answer and want to follow up with the person who gave it, click on their name and you’ll be directed to either:

  • an email message form addressed to that alumnus
  • the alumnus’s LinkedIn profile (click on “Connect”, then “Add a Note”, and in that form write “I like your Viking response and would like to connect with you about it”

If you have any questions, please contact Carrie Sponheim at (515) 263-2935 or csponheim @ grandview.edu.

Search Success Questions

Professional / Career Success Questions

How do you find a job that forgives student loans?

"I have not personally accepted a job with any sort of loan forgiveness. I know that several are available mostly in the public sector serving at risk or lower income communities."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)

"There are two different federal loan forgiveness programs:

One is the Public Service Loan Forgiveness (PSLF) and the other is Teacher Loan Forgiveness. Organizations included in the PLSF are any government organizations at any level (federal, state, local, or tribal) or not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code and some other types of not-for-profit organizations.

For the Teacher Loan Forgiveness program, you can find eligible schools or educational agencies listed in the Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits (Low Income School Directory), which can be accessed here. This information and more can be found at Studentaid.ed.gov or Studentloans.gov.

Some individual employers in high-demand fields, like nursing, are also beginning to offer loan forgiveness as a benefit to employees. It may be listed in the job description, but I would recommend asking during the interview process at the appropriate time."
- Brigid Ernst '15, Completion Coach, Grand View University (GV Majors: Master's in Organizational Leadership)
What is the best way to find a job after college?

"Network, network, network and go to the job fairs. Be flexible. You first job doesn't need to be and many times won't be your dream job. Find out what skills you need for the job you want and start developing those skills immediately."
- Tony Hougland '03, Agency Owner, State Farm Insurance (GV Major: Business Administration)

"Make yourself available. Let recruiters and others on LinkedIn know you're looking and what you're looking for. Treat your profiles like a resume. Does your profile reflect something you'd want a future employer to see? Make yourself an asset to the team. Show off your accomplishments and experience, and the rest will fall into place."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"Start getting to know people, be genuine, and show them why you are special."
- AJ Krist '12, President, Krist Insurance (GV Major: Finance)

 

"Networking! Connect with everyone you know, see who is hiring, where you can fit in, and do not underestimate the power of LinkedIn. That's how I got my first job!"
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"This is important, you need to intern as much as possible while in school to get the experience needed. A degree by itself is paper."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"Networking is key. The people that you know can connect you to opportunities that you may not be able to find on your own. I recommend joining a young professionals network."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)

 

"Networking! Start building connections during school and always try to think “what can I do for this person” rather than asking what they can do for you. The bigger your network the more opportunities you have to hear about open positions in your field. Join professional organizations (usually they are free for students) and get some working knowledge from area professionals. They will usually have an idea of what positions are open before the general public."
- Aly Merschman '13, Attorney at Gray Hodges & Associates, PLC (GV Majors: Political Studies: Pre-Law, Digital Media Production)

 

"For me, I immediately started applying for jobs in March of my final spring semester. While, I didn't find much I was set on, I found many connections throughout the process. I began networking and setting up coffee meetings with individuals I knew who could help me find a career. Don't be afraid to reach out to people, ask to shadow, or just email some questions to people who have a job you aspire to have. Utilize social media, LinkedIn and job search sites. CHECK EVERY DAY. I found my first job thanks to Facebook and it's truly the best job I could've asked for out of college.

I'll leave with one last note: It takes TIME. A LOT OF TIME. So be patient and give yourself a break. Things will come to you when it's meant to be. Stay persistent and be positive."
- Angela Lose '18, Marketing and Engagement Coordinator, Orchestrate Hospitality (GV Majors: Journalism and Public Relations, Multimedia Communication and Digital Media Production)
How do you find a job without experience? Where do you start?

"Don't have any experience? Yes, that can be a slight roadblock in SOME jobs, but not all. Some places want to start fresh, mold their employees and teach them their way. Others may be looking for experience, but don't let that stop you from letting them know your strengths and qualities. Make sure you show how you differ from everyone else."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"Start APPLYING! Interview well, and show the skills that you have gained by attending Grand View."
- AJ Krist '12, President, Krist Insurance (GV Major: Finance)

"To find a job without any experience, you have to be willing to be versatile, and start at the bottom. Don't be afraid to take an opportunity out of your comfort zone. Start putting out feelers through LinkedIn applications."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Polish your resume so that it demonstrates why you are a good candidate who is seeking an opportunity to gain experience. Define personality traits and learned skills that you can offer potential employers so they feel confident about hiring someone with less experience that other candidates. Send thank you letters after interviews, do the little things to be noticed among candidates."
- LB Lyons '08, Director of Alumni Relations, Grand View University (GV Major: Business Administration, Management)

"In school intern and network, interning is more important than anything can do."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"Most people have more experience than they realize at this life stage. The trick is figuring out how to communicate this to potential employers. Professional resume writing help can assists in this as well as the networking aspect mentioned previously. Focus on skills developed as opposed to specific jobs held."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
What are the best professional-based websites to find jobs with a degree in psychology?

"From the GV Career Center resource "What Can I Do With This Major?" check out these resources: https://careersinpsychology.org and https://www.socialpsychology.org/career.htm."
- Sara Anderson, Assistant Director, Grand View University - Career Center
What are the best job search websites?

"Indeed is good, Grand View's site (Career Center Job Board) is good for internships."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"LinkedIn and Indeed. Be sure to have adequate, clean, organized, cohesive professional accounts on both platforms."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Personally, I have found great opportunities through Indeed, Career Builder, and now, LinkedIn's Job search. LinkedIn had made it easy for employers to find YOU if you want to be found, but they've also set it up so you can easily search for what you're looking for."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"Indeed.com has the most volume but LinkedIn does the best job of tailoring search results towards your skills and experience."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
How can I move up and progress in my career? How do you get promoted or learn of new opportunities?

"Be an asset to your boss and others around you. Be the 'yes man' and get the word 'no' out of your head. With your first job especially, be the person people go to. Not in your job description? Who cares! You will grow so much more in your knowledge of the company, the people and you'll become that employee no one wants to see leave. Be efficient, confident, ahead of the game, and open to learning new things."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"Show your value, go the extra mile, don't be lazy, and constantly shoot for the positions you want."
- AJ Krist '12, President, Krist Insurance (GV Major: Finance)

"Work hard, and work smart. Recognize that a job pays you to be there, but they dont own you. In the same regard, remember that you have your own personal brand. You need to make it the best brand out of the rest."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"Network with people outside of your team, ororganization. Set up coffee meetings with those in postions you are interested in, take on side projects, build a good relationship with your manager and communicate your goals to them, but most important, never stop learning!"
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Stick close to your superiors and make it known that you would like to learn from them. Show initiative and independent thought."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)

"Be willing to go the extra mile. Don’t think any task is “below your pay grade” - instead think of different tasks as an opportunity to show your diverse set of skills. Stay late and get the job done right if needed, don’t speed through something just to get it done. The more you contribute and are an essential part of the team, the faster your superiors will recognize your essential-ness to the team and will hopefully reward your hard work!"
- Aly Merschman '13, Attorney at Gray Hodges & Associates, PLC (GV Majors: Political Studies: Pre-Law, Digital Media Production)
How do I know how to do the job I am hired for?

"You don't - a lot of times you just have to ask the right questions in the interview. Many job descriptions online don't fully align with the job you take, but it will be close. Just be open minded and okay with learning new things! It's exciting."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"You will know how to do your job if you keep an open mind, and have a love for learning."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Your employer should provide training in various forms. Make sure the requirements of the job are something you feel confident in when you apply and interview. Ask questions of your colleagues and supervisors so that you know what is expected."
- LB Lyons '08, Director of Alumni Relations, Grand View University (GV Major: Business Administration, Management)

"Study. Learning the in and outs of your job make it easier to succeed. Always ask questions."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"Pay very close attention in any onboarding sessions and don't be afraid to ask questions or get help."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
Are there financial subsidies for veterans wanting to continue their education?

"1) Veterans who have served on active duty can earn credit toward the GI Bill, which provides financial benefits for college, vocational/technical school, etc. Credit toward the GI Bill depends upon the number of days served on active duty. Typically, one must have served a minimum of three years on active duty to earn 100% credit toward the GI Bill. Active duty service time of less than three years can also earn credit toward the GI Bill. However, it will be at a lower rate (e.g., 50%, 60%, 70%, etc.). Please see this link for more information about the GI Bill and its eligibility requirements.

2) Members of the National Guard and Reserve can also earn educational benefits for college (i.e., via NGEAP, Tuition Assistance, etc.). Individuals who want to learn more about those benefits should contact their unit educational representative/liaison.

3) Finally, some colleges and universities offer small grants to Veterans to help offset higher education expenses.

In any case, to ensure Veterans are receiving all available benefits/resources for higher education, they should contact the VA Certifying Official on campus, as well as a representative from Financial Aid."
- Jeff Vaske '07, Assistant Director of the Veterans Center, Iowa State University (GV Major: Nursing)
How do I know which degree to pursue?

"Thinking about where you eventually want to be in your career, the position and its requirements and research what type of degree and education would best serve that position."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Taking the leap and getting your masters or doctorate is a big decision. If you majored in business, it is not always necessary for you to get your next degree in that same field. Consider a masters in leadership or crisis management; look for degrees that will enhance the degree you already have while expanding your portfolio."
- Nicole Prenger, Director of Communications and Events, World Food Prize Foundation (GV Majors: Graphic Journalism, Journalism)

"I recommend working for a few years before considering an advanced degree. This allows you to identify what skills you need to develop in your current or desired career path and find the appropriate program. This may open up opportunities for employer assistance for tuition as well."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
How can I contribute to my company when I am underutlized at work?

"Getting involved in committees and clubs [at your place of work]."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Force them to utilize you more by adding value to the organization. Stop waiting for them to hand you work and go find some that will set you apart."
- AJ Krist '12, President, Krist Insurance (GV Major: Finance)

"Sometimes you have to be a personal motivator. You're not always going to get the nudge you need from a boss, a coworkers, etc. and you're not always going to get the recognition you think you deserve, but that's when a positive attitude and hard work ethic comes into play. If you feel like you're being underutilized communicate that with your boss, and if you can't, you may need to rethink your company and/or position."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"Every employee's work, not matter how menial it may seem, is vital to the overall success of any organization. Remember this on a daily basis. Also ask for additional and increasingly difficult work if you are able."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
How do you gain the confidence to fail successfully and continue to grow?

"Is there a way to fail successfully? I think you just need to fair, and whether it was crushing at the time or not, you will be better off by gaining the experience."
- AJ Krist '12, President, Krist Insurance (GV Major: Finance)
What do you do when you don't think you are ready to be an entrepeneur? What can you do until you are ready?

"Henry Ford said 'whether you think you can or you can't, either way you are right'! If you dont think you are 'ready', you are probably right. Being your own boss takes discipline and action. If you cannot commit in your mind to those things than the practice of both will probably lack as well. Once you feel the push to move forward then it is go time! Save your money. Most business need capital, and a lot of it, to sustain long term. Put yourself in a financial position to be able to jump out and start your business when you are 'ready.'"
- AJ Krist '12, President, Krist Insurance (GV Major: Finance)

"Find a mentor that is in the type of business you want to open. Volunteer for them, take out the trash, clean the bathrooms, be a fly on the wall. Entrepreneurship is living like most people won't so that you can spend the rest of your life like most people can't."
- Tony Hougland '03, Agency Owner, State Farm Insurance (GV Major: Business Administration)

"Save money and talk to successful entrepeneurs."
- Andy Wallace '95, Real Estate Agent, Iowa Realty (GV Major: Radio / Television Communications)
How can I advance my career in higher education when most universities don't allow for upward growth?

"First, make sure you’re the best (your current title) that you can possibly be. Next, build your campus network at your current university. Higher Ed isn’t immune to workplace silos and often we can become more productive by building relationships in other campus units and departments. By creating relationships and partnerships in other units on campus you may become aware of new opportunities that previously you hadn’t thought of. If you don’t want to leave your current university in order to advance your career, consider moving up by changing departments/units/offices."
- LB Lyons '08, Director of Alumni Relations, Grand View University (GV Major: Business Administration, Management)
What are your suggestions for achieving recognition in your career when being a woman and minority?

"Never settle. Always push yourself and boundries. You can do anything you set your mind too."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

Personal Success Questions

How long does it take for your experience to be taken seriously enough that you can make advancements in your career?

"It depends on how you utilize it. Get up every day and evaluate how what your doing helps your goal."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"This depends on your environment. When transitioning from an intern position to a full-time position in the same organization it can be hard to be taken seriously right away. Your colleagues may still see you as someone with less experience and view you as an 'intern.' My best suggestion is that you are open to other ideas and that you bring new ideas to the table yourself. Use your outside experience to show that you have great ideas and you are willing to implement them. The other important part to this is how you give that feedback. If you are looking to change the way something is done, always come to the table with positive and constructive feedback. If you want something to change, you need to present a solution, not just negativity about the current process."
- Nicole Prenger, Director of Communications and Events, World Food Prize Foundation (GV Majors: Graphic Journalism, Journalism)

"2-3 years, but nothing is impossible. Everyone must start from the bottom and take their destiny into their own hands."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"No time at all. Everyone's experience is valid from day 1. It all depends on how well you can exemplify what you know. Ask questions, show initiative and independent thought."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
How do I learn what my skills are?

"By doing as much as possible. Find out what you are best at by trying everything. Know thyself. "
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"Personality tests! Those are a great re-assurer and motivator to do things you are called to do."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Upon graduation, you should have some idea of what skills you might posses and ones that you lack. Pay attention to your quality of work in those specific areas of work to continue to develop them. There are also some skill assessments that can help start the process if you feel stuck."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
How do I know if it is my vocation or just me trying to convince myself?

"You enjoying getting up every day."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"The perfect opportunity will always present itself with the right amount of woek put into finding what gives you joy and purpose. If you find yourself unhappy at some point, always work to find outside sources of joy and through there see where you can intertwine those similarities into your work."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Finding your vocation is a large part of being a student at Grand View. From the moment that you walk through the door the University is creating an environment for you to find your vocation. The important thing to understand is that not everyone will find this in college. You will be given a great platform for this process, but it is ok if you do not know right away. I find that the best way to determine if you have found your vocation is to take a literal vacation. While you are away, do you miss your job? Do you wish you were working on your projects? If the answer is no, likely you need to find something else. Find a job that is your passion, where you feel that you are making a difference and you will find your vocation."
- Nicole Prenger, Director of Communications and Events, World Food Prize Foundation (GV Majors: Graphic Journalism, Journalism)

"You will 100% know. You won't have to think, "Am I happy?" You will wake up EXCITED to go to work and not looking at the clock every day. You will be proud to tell people where you work and what you do! Deep down in your heart you know."
- Angela Lose '18, Marketing and Engagement Coordinator, Orchestrate Hospitality (GV Majors: Journalism and Public Relations, Multimedia Communication and Digital Media Production)
How do I know when people in the workplace want help?

"This is different depending upon your field, my office is a collaborative workplace with an open door policy. My staff and I work together to reach a common goal and get the best results for our clients. Sometimes that means I get interrupted throughout the day answering various questions, however, the longer we work together the more we understand each others’ styles and our clients benefit from our collaborative setup!"
- Aly Merschman '13, Attorney at Gray Hodges & Associates, PLC (GV Majors: Political Studies: Pre-Law, Digital Media Production)
How do you become financially stable? What is the first step?

"1. Save - Make putting money away in savings a priority. It can be tough to feel like you are saving with student loan debt influencing your finances, but even small amounts of savings add up quickly.

2. Prioritize Debt - Prioritize paying off highest interest and largest loans first. This will allow you to decrease your total amount paid over the life of your loans by limiting your interest accrual.

3. Get Help - There are several resources available to people of all ages and especially recent graduates to help build sound financial plans."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)

"Be able to pay your bills, put at least 10% of your income away in savings/ retirement, and feel comfortable to have fun with the rest."
- AJ Krist '12, President, Krist Insurance (GV Major: Finance)

"The 1st step in becoming financially stable is recognizing more means less. The more you spend the less you keep. Cut out the unnecessary things in life and find a goal. Mine was going Greece and now it is moving to Europe. Save for your goal and cut out things that work againts it."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"Becoming financially stable starts with discipline and preparation. Be disciplined in not going out to eat, saying no to a night out, and yes to staying in and buying grocceries. The small things really contribute to the bigger picture."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Set a budget and live with in it. Financial peace comes from spending less than you make."
- Andy Wallace '95, Real Estate Agent, Iowa Realty (GV Major: Radio / Television Communications)

"I marketed myself, made sure I looked and sounded professional on all social sites, accepted a good job after college and started to put money into my savings every paycheck."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"Live within your means - that’s the best advice I can give. Set a budget based upon your expenses and income right now (not your expected income in the future) and try to pay yourself first each month so you can add a small amount to your savings each month."
- Aly Merschman '13, Attorney at Gray Hodges & Associates, PLC (GV Majors: Political Studies: Pre-Law, Digital Media Production)

"Create a budget that accounts for all expenses and income and stick to it! Start an emergency fund and grow it so you'll be prepared when a 'rainy day' happens."
- LB Lyons '08, Director of Alumni Relations, Grand View University (GV Major: Business Administration, Management)
How do you know how much to budget? Is there a class to better understand this?

"Everyone's priorities are different so in my opinion the budget will match the personality. The general philosophy is to not over extend yourself on your expenses as to not be able to cover them in a catastrophe situation (losing a job/ portion of your income)."
- AJ Krist '12, President, Krist Insurance (GV Major: Business Administration - Finance)

"A rule of thumb for me is I always budgeted $15 above the average price of what I researched was. For instance, if the average cell phone bill was $70 I budgeted for $85. This helped me not be tight, and have ample to put away into my savings account. Also, if you are planning on living on your own, factor in the moving expenses ahead of time. You will have first and last months rent, an application fee, security deposit, and renters insurance if you will be getting an apartment after graduation. The more you are eduacted on the expenses of an adult, (cell phone, wifi, water, electric, health insurance, etc) the better you can plan ahead and save."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Pay attention to your spending. Categorize all expenses and track that over time."
- Andy Wallace '95, Real Estate Agent, Iowa Realty (GV Major: Radio / Television Communications)

"I strongly recommend Financial Peace University by Dave Ramsey. This program comes with some great resources that can help make decisions about how much money is going to certain places. Loans, Savings, etc.."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
How do I support (extended and immediate) family and build financial security?

"Always “pay yourself back” every month. Even if you can only afford to put away $10 every month, that still adds up. Minimize uneccesary expenses and grow your savings with every pay check."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Bluntly, you should first worry about you, your significant other and dependents before branching out to support other family members. Once you feel comfortable with taking care of your responsibilities, then you can make sure to lend that helping hand."
- AJ Krist '12, President, Krist Insurance (GV Major: Business Administration - Finance)

"Talk with your family members about their needs and expectations along with what your needs and expectations are. Having open conversations are important so that everyone is on the same page. From there, set goals for them and for you regarding what you want to do to support them."
- LB Lyons '08, Director of Alumni Relations, Grand View University (GV Major: Business Administration, Management)

"If you find something that works for you share it with them and encourage them. Hold each other accountable."
- Andy Wallace '95, Real Estate Agent, Iowa Realty (GV Major: Radio / Television Communications)

"Pay what's in neccessary to survive, and save the rest for a rainy day. Keep a $1,000 in a rainy day fund."
- Dan Coats '16, Marketing, ISR Cognizant (GV Major: Business Administration, Marketing)

"I did not have family to support upon graduation, but I strongly recommend building a budget and sticking to it religiously. Resisting the urge to spend frivolously makes your income go a lot further."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
What is the best way to save money? Invest, save from each paycheck, budget?

"Set aside an emergency fund of $1000. Use this to pay for unexpected things that come up so you aren't forced to use the money you plan on saving. Pay yourself first. Set a % of income and put it in savings as soon as you get it."
- Andy Wallace '95, Real Estate Agent, Iowa Realty (GV Major: Radio / Television Communications)

"Save, save, save. Create a 401K. Even if you are 21, start one. Try and compete with yourself how much you can save per month. Set a goal of how much you want in the savings account within an amount of time, and see if you can exceed it, and never stop doing that."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Starting out, saving money from each paycheck in a separate account is best. After a good sum has accumulated, I recommend exploring options to grow what money you have saved through investments, etc.."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)

"Definitely put a little money away per paycheck, even if it's just $10 in the beginning. It's something! Also, start paying off your loan with the highest interest rate because it will start accruing fast."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)
How do I make travel fit in with other financial needs?

"If it is important to you, you will find a way. Research, research, research. Read reviews, compare prices, and be frugal where you can."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Traveling is an important part of life. The more traveled you are, the more you experience the way others live life and then in turn the more successful you will be. It is important to understand there are lots of ways and reasons to travel. Look into your church and see if there is a way to travel with them at a lower cost. There are also other great service organizations in the Des Moines area that do service trips and often times companies will pay for you to volunteer with them. If you are looking to travel for fun, consider a savings account with your financial officer. Have the company pull out $100-$50 a month and place it into a savings account that you do not see on a daily basis. This is a great way to not "feel" the loss of the money and then save it on the side. Then work with a travel agent to get the best prices on the locations you want to go."
- Nicole Prenger, Director of Communications and Events, World Food Prize Foundation (GV Majors: Graphic Journalism, Journalism)

"Budget, budget, budget. That's part of the reason why I put money into savings every paycheck. Some people start a separate account for travel though, which isn't a bad idea!"
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)
How can you be frugal while traveling?

"Special rates on airfare, rooms, not spending too much eating out, purchasing package deals."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"Travel on certain days/dates and try to stay with family and friends if possible."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
Do you find it more rewarding to do more smaller trips or save for fewer, larger trips?

"I have and do both, but I prefer to save for larger trips, where money is not tight and I can fully enjoy myself, and still take care of all my bills when I return."
- Emily Crittenden '18, Recruiting Coordinator, Amazon (GV Majors: Corporate Communications, Journalism and Public Relations)

"More smaller trips. Experience all the community surrounding you as to offer."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)

"I find that my job only allows for extended weekend trips. At first I was overwhelmed by this realization, However I prefer more frequent trips that last less time. Getting away for 3 or 4 days is enough for me to recharge and re-energize and return ready to hit the ground running!"
- Aly Merschman '13, Attorney at Gray Hodges & Associates, PLC (GV Majors: Political Studies: Pre-Law, Digital Media Production)
How can I contribute to my community?

"Get involved in community groups! There are lots of civic organizations that would love a fresh set of eyes to join their team. Go to city council meetings, get involved with a school board, try out some rec classes that are offered in your area, or better yet, offer to teach a skill that you have with others. Join a young professional group, this is a great way to meet others with similar interests that can introduce you to a variety of people in your community!"
- Aly Merschman '13, Attorney at Gray Hodges & Associates, PLC (GV Majors: Political Studies: Pre-Law, Digital Media Production)

"Volunteer, contribute, and enhance the lives of those around you. This will not only enrich the community, but your life as well. Consider financially supporting organizations that have helped to develop you. GV is a great place! Help them continue to enrich the lives of the next generations any way you can!"
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)

"Find an organization or cause in your community and reach out to them about becoming more involved. Most are excited to have new people reach out. Ways you can be involved: Time (volunteer) Talents (do you have a certain skill you can offer that group?) Treasures (donate financially or other items of value)."
- LB Lyons '08, Director of Alumni Relations, Grand View University (GV Major: Business Administration, Management)
How do you pay your loans off quickly?

"Make the loans a financial priority over other things. Paying off the loans before you go on vacation, before you purchase a new car, a larger tv or newer home will help you reach the pay off more quickly. It's not always fun to pass on the new item or trip but you'll be happy when you see the loan balance shrinking."
- LB Lyons '08, Director of Alumni Relations, Grand View University (GV Major: Business Administration, Management)

"Prioritize Debt - Prioritize paying off highest interest and largest loans first. This will allow you to decrease your total amount paid over the life of your loans by limiting your interest accrual."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
Have you used a financial advisor or company to help with paying off debt?

"I met with a financial advisor who helped me come up with a game plan to pay off my student debt. I highly recommend Jessica Carlson, a GVU alumna who works for Northwestern Mutual. She gave me some pretty great insight to get started!"
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)
Can student loans be refinanced?

"Yes, they can. Federal loans can be consolidated through Direct Loan Consolidation with a fixed-rate interest rate. Private loans can be refinanced through private lenders. I recommend keeping federal loans and private loans separate if you have both and are considering employment for an organization that qualifies for federal loan forgiveness, as once they are combined with private loans, the federal loans can no longer be forgiven."
- Brigid Ernst '15, Completion Coach, Grand View University (GV Major: Master's in Organizational Leadership)

"Some loans, yes. But be careful about how it changes the terms and life of your loan. Most Federal loan rates are set by the Government and cannot be refinanced."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)
How do you get started paying off loans?
"Traditionally, loan repayment begins six months after graduation/after you are no longer enrolled in school full time. This is true for Federal Stafford Loans program and the Perkins Loans. Private loans may vary, so pay close attention to the terms when taking out the loan. Your federal loans will be repayed to a loan servicer (bank) that purcases the loan from the federal government. You may have received interest statements or communication from them during the time you were in school. If you are unsure of who your loan servicer is, you can find out through the NSLDS (National Student Loan Data System), the US Department of Education’s central database for federal student aid. To access your personal loan information, you can log on using your FSA ID, which you used when filing your FAFSA. Once you log on to the NSLDS and find out who your loan servicer is or if you have received communication from them regarding repayment, you may make payments directly to the loan servicer. This database will also give you a schedule for your repayment and different repayment options."
- Brigid Ernst '15, Completion Coach, Grand View University (GV Major: Master's in Organizational Leadership)
How do you balance paying off loans while trying to start a career, finding a new place to live and other expenses?

"I think getting out of debt should be a driving force for Financial Peace. Try and do as much of that as you can before other expenses start mounting."
- Andy Wallace '95, Real Estate Agent, Iowa Realty (GV Major: Radio / Television Communications)

"Start off paying the minimum in the beginning and work up to where you feel comfortable. That's what I did and eventually got to a place where I was paying double on a couple of my loans to help make a dent. Then I got married and lowered all of them again. As life changes, you can change how much you're comfortable paying."
- Brooke Follette '13, Senior Marketing Coordinator, TruHome Solutions, LLC (GV Major: Graphic Journalism)

"1. Save - Make putting money away in savings a priority. It can be tough to feel like you are saving with student loan debt influencing your finances, but even small amounts of savings add up quickly.

2. Prioritize Debt - Prioritize paying off highest interest and largest loans first. This will allow you to decrease your total amount paid over the life of your loans by limiting your interest accrual.

3. Get Help - There are several resources available to people of all ages and especially recent graduates to help build sound financial plans."
- Austin Strawhacker '11, Regulatory Data Coordinator, America's Small Business Development Center - Iowa (GV Major: Business Administration, Sports Management)