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In a world where technology is rapidly advancing, the impact of artificial intelligence, or AI, on our careers cannot be ignored. In this episode of the No Loan Zone podcast, we dive into the topic of AI and its influence on your career or college major. 3 key takeaways: 1️⃣ Embrace the wave: Just as the microprocessor, personal computer, and internet have transformed our lives, AI is poised to make a significant impact. Be open to exploring its capabilities and consider how it can enhance your career prospects. 2️⃣ Choose your educational path wisely: If you're planning to go to college, ensure that the institution you choose is on the cutting edge of AI training. Seek out programs that teach you how to incorporate AI into your chosen field. 2️⃣ Choose your educational path wisely: If you're planning to go to college, ensure that the institution you choose is on the cutting edge of AI training. Seek out programs that teach you how to incorporate AI into your chosen field. Connect with Janet Maltbie: Website: www.lifeworkcareerservices.com/calendar Linkedin: www.linkedin.com/in/janetchavezmaltbie

Summary: College decisions stressing you out? Don't let college costs hold you back! In our latest No Loan Zone episode, we explore tips to cut the cost of college by applying for scholarships the easy way. Our guest, Sarah Nau, shares insider info on the LCCC scholarship app! Find out how you can increase your chances of getting free money for college. Timestamps: Financial Aid Tips for Students and Parents: "Complete the FASFA. Free application for federal student aid should be the first thing that you're doing."— Sarah Nau 01:39-01:44 "Financial Aid Eligibility: they don't look at just the income. There are quite a few other areas that they look at and goes into the calculation to determine that eligibility, and you don't know unless you try it. So take a few minutes, get it filled out, and take a chance." — Sarah Nau 02:44-02:58 Financial Aid Tips: "The most important thing is just to read each question thoroughly before you answer it."— Sarah Nau 03:10-04:15 "My Scholarships app: The really cool thing about the My Scholarships app is that some of the scholarships are so easy to fill out that once you have that common profile done, all you need to do is pull up the application. Let's just say it's the Sarah Now music scholarship, and you wanna apply for that. It may be as simple as pulling up the application, and then all you need to do is sign and date it."— Sarah Nau 04:25-06:29 "Scholarship Opportunities: Fill out as many as you qualify for. Give yourself more chances than less."— Sarah Nau 07:09-07:12 3 key takeaways: 1️⃣ Scholarships Are a Game Changer: College can be expensive, but there are ways to cut down on the costs. Filling out the FAFSA form and applying for scholarships can make a significant impact on your financial burden. 2️⃣ Take a Chance, Apply Anyway: Don't be discouraged from applying for scholarships just because you think you might not qualify. Many scholarships have different preferences and criteria, and you might still be eligible if you meet most of them. 3️⃣ Expert Guidance and Resources: If you need help navigating the maze of career choices or financial aid, the "No Loan Zone" podcast has you covered. Janet Maltbie, a career counselor with years of experience, shares valuable testing and career guidance services to help students gain clarity and confidence. Check out lifeworkcareerservices.com for more information. Get Started with the LCCC Scholarship App Website: www.lorainccc.edu/scholarships Phone: 440-366-4034 Connect with Janet Maltbie: Website: www.lifeworkcareerservices.com/calendar Linkedin: www.linkedin.com/in/janetchavezmaltbie

Summary: In this episode of the No Loan Zone podcast, host, Janet Maltbie explores the legal missteps that parents often encounter when sending their kids off to college, and the importance of having the right legal documents in place. She is joined by guest Matt Hallett, an attorney specializing in family protection planning, trusts, probate, and wealth preservation. Timestamps: "Even though their parent may be financially providing for them to go to college, the child has legal rights that may supersede the rights of their parent." — Matt Hallett [00:01:39 → 00:02:14] "Unless your child elects with the university to give you access to their financial information at the school, through the school's bursar, you don't have access to it because that is their financial information - that's even if you are a co signer on a loan. You cannot communicate directly with the bursar because you are not the student and they're an adult. And that is their financial information. There are laws that protect them." — Matt Hallett [00:02:17 → 00:02:53] "Generally speaking, most colleges will provide some type of mechanism to allow you to get that access, because the colleges do know that it's important that parents are involved." — Matt Hallett [00:03:01 → 00:03:28] "Being able to participate, not control, but participate in their college experience is necessary. Therefore, it is not unwise to be able to connect financially your accounts with your child, because you may need, or they may need you to financially be able to connect to them." — Matt Hallett [00:05:53 → 00:07:14] 3 key takeaways: 1️⃣ Legal documents are crucial: Many college students may not realize the importance of allowing their parents access to their college information. However, there are legal documents, such as financial power of attorney, HIPAA authorizations, and healthcare power of attorney that grant parents the necessary authority to access and assist with financial and medical matters, ensuring peace of mind for both parties. 2️⃣ Communication and trust: It's crucial for parents and students to have open conversations and establish trust before college. Building this foundation can help avoid potential problems and navigate issues that may arise throughout the college experience. Parents who provide financial support often want to have access to certain information so that they can assist if an unfortunate event arises but students must work with the college to grant this permission.  3️⃣ Seek professional advice: Planning ahead and meeting with an attorney specializing in family law is highly recommended. They can guide parents and students in understanding their legal rights, addressing potential issues, and ensuring that the right legal documents are in place to protect everyone involved. Connect with Matt Hallett Website: https://hallettlegalgroup.com/ Phone: 440-823-8542

Summary: Are you a high school student planning to attend college in the fall? In the latest episode of the No Loan Zone podcast, host Janet Maltbie interviews Faith Talmage, a fashion merchandising major at Kent State University, on navigating freshman year! 3 Key Takeaways: CREATE YOUR OWN SPACE: If you're living with a roommate, you may struggle to find alone time. Faith shared how she used the space under her bed to create a personal spot, which she called her 'cave.' GET INVOLVED: Faith didn't expect to join as many clubs as she did in college. However, attending a club fair and signing up for various clubs opened up new avenues for her. She even joined a club focused on fashion. PLAN AHEAD: Faith knew what field she wanted to study in, and she took specific classes to prepare for her career in fashion merchandising. Taking entry-level classes that could be taken remotely gave her a head start. Remember, college is expensive, and students should make sure it's the right choice for them. The No Loan Zone podcast is committed to helping students complete a degree debt-free and Janet Maltbie provides career guidance to help students find the right fit through www.lifeworkcareerservices.com

On this episode of No Loan Zone, host Janet Maltbie brings on guest Kristyn Poltis to discuss the upcoming Supreme Court ruling on student loan forgiveness. Kristyn shares her own experience of taking out a student loan without fully understanding the impact it would have on her future. The discussion also covers strategies for making college more affordable, including choosing a lower-cost school or attending a career exploration boot camp. Listeners can learn more about the boot camp and other resources for debt-free degree completion by going to www.lifeworkcareerservices.com

Summary: What books would you recommend college students read? In this episode, Krista O’Neill, nationally honored Lorain County Community College advisor and Guided Pathways coach for the Success Center for Ohio Community Colleges talks with podcast host, Janet Maltbie about high impact books that help college students succeed.  Check out these top book recommendations from your local library: Krista’s Favorites: Poems by E.E. Cummings and Walt Whitman Educated by Tara Westover The Book of Joy by the Dalai lama and Desmond Tutu What Color is Your Parachute? by Richard Bolles Janet’s Favorites: Top 10 Ebook  The Holy Bible  How to Find Your Mission in Life by Richard Bolles The 7 Habits of Highly Effective People by Stephen R. Covey Building a Second Brain by Tiago Forte  The Pomodoro Technique by Francesco Cirillo The Compound Effect by Darren Hardy Atomic Habits by James Clear The War of Art by Steven Pressfield  What Color is Your Parachute? by Richard Bolles How to Win Friends and Influence People by Dale Carnegie Highlights: In this episode, Krista O'Neill shares her love for reading and how it can help students succeed outside the classroom. As an English major who loves poetry, O'Neill suggests that if someone has a short amount of time, they should read a poem because it can be impactful in a short period of time.  She also recommends the book "Educated" by Tara Westover, which emphasizes how privileged college students are to have the opportunity to learn and gain an education compared to people in other parts of the world.  She also discusses, “The Book of Joy” by the Dalai lama and Desmond Tutu as exemplars of empathy. She suggests the book encourages people to see the world from different points of view.  Finally, O’Neill likes, "What Color is Your Parachute?" by Richard Bolles, which helps students reflect on what they want out of a job and what is a good fit for them, considering factors like work values, skill set, and interests. O'Neill advises students to always be learning, trying new things, and pushing themselves. She believes in continually improving skills by staying updated, attending webinars, and reading.  The podcast concludes by mentioning the top 10 book recommendations developed by podcast host, Janet Maltbie. Maltbie also encouraging students to seek out resources and support by enrolling in her online career exploration class, SDEV 103 Career Exploration and Life Planning through Lorain County Community College.  About Krista O’Neill: Krista O’Neill has advised students for over 37 years at Lorain County Community College. In 1995, Krista was  honored by the National Academic Advising Association as one of thirteen Outstanding Advisors nationally. In addition to her role at LCCC, Krista serves as a Guided Pathways coach for the Success Center for Ohio Community Colleges.  Connect with Krista O’Neill: LCCC: [email protected] LinkedIn: www.linkedin.com/in/krista-o-neill-06b8b4168/ About the Podcast Host, Janet Maltbie: Janet is a profession

Podcast Summary: Are you ready to take your college experience to the next level? In this podcast, Janet Maltbie, a career counselor, discuss the benefits of completing an internship with her guest, Marcia Jones, the Career Services Manager at Lorain County Community College. Maltbie outlines the advantages of internships, including gaining real-world experience, building a professional network, developing professional skills, and improving a resume.  Jones explains that students can access their Career Services through a platform called Handshake, where they can schedule appointments, develop resumes, and explore job or internship opportunities related to their career pathway.  Highlights: In the latest episode of No Loan Zone, we explore internship resources offered by Lorain County Community College's Career Services department. Here are the 4 key takeaways from this episode: Lorain County Community College provides students with the support they need for career prep, decision making, internships, and job opportunities. You can connect with them either in person or virtually using Handshake, the college's job and internship platform. Janet highlights the importance of internships and lists four reasons why they are beneficial: real-world experience, building professional networks, demonstrating professional skills, and improving resumes. At LCCC, each student has a career development specialist who works specifically with their career pathway and can be selected through Handshake or by calling Career Services at 440-366-4076. Janet is an experienced career counselor with a passion for helping students and adults pursue smart career choices and debt-free living. She teaches an online class on career exploration and life planning through LCCC. About the Marcia Jones: Marcia Jones is the Career Services Manager at Lorain County Community College. For nearly 20 years, Marcia has helped students learn about careers, and how to link their education to job experiences, so they can launch from a job into a meaningful career. She is passionate about helping students to learn about careers and how to link their education to experience to both leverage and launch their career. Connect with LCCC Career Services: LCCC Career Services: https://www.lorainccc.edu/career-services/ Phone: 440-366-4076 Email: [email protected] Handshake: https://www.lorainccc.edu/career-services/handshake/ About the Podcast Host, Janet Maltbie: Janet is a professional career counselor in the state of Ohio with over 20 years experience helping students and people in transition make wise career choices. Her work has involved guiding students in the career and college planning process as an academic counselor at Lorain County Community College.  After 13 years at LCCC, Janet transitioned to an adjunct faculty position, exclusively teaching a Career Exploration and Life Planning class and meeting with clients individually while pursuing her work as the founder and host of the No Loan Zone podcast. Connect with Janet Maltbie: Website: noloanzone.com/contact Linkedin:

Today on the the No Loan Zone podcast, Janet Maltbie discusses the Supreme Court ruling on the student loan forgiveness program that will affect over 40 million borrowers. Regardless of the ruling, borrowers will need to start paying back their loans after a 3-year pause. Highlights: The Supreme Court will decide if President Biden’s loan forgiveness program will move forward. Under the President’s plan, eligible borrowers may be forgiven between $10-20,000, depending on income and Pell Grant eligibility. The average student loan debt is $40,000, so borrowers will still have to pay back a significant amount even if most of their loan is forgiven The Court is expected to rule on the matter by June, if they decide to rule on the merits of the case.  Borrowers need to prepare to start paying back their loans immediately if the court rules in the Biden Administration’s favor and the program is not blocked by the court.  Conclusion: The No Loan Zone podcast is committed to helping students complete their degree debt-free. Filling out the FAFSA is one way to start on a debt-free degree. Find it on www.studentaid.gov. Choosing a career or college major that fits your interests, skills, personality, and values is essential to finding success at school, at work and in life.  Contact Information: Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College. 

Summary: Bob Born recently passed away, leaving behind a legacy of marshmallow Peeps. On the No Loan Zone podcast, Janet Maltbie breaks from her normal routine to pay tribute to Bob. She recounts his journey, from engineering physics to the Navy to the candy-making business. Janet encourages her students and others to not worry about the future and know that one’s career will likely not stay the same throughout their lives. Highlights: It can be difficult to decide what to do with your life, and it can be even more difficult to make sure you’re making the right decision. It’s important to explore career options wisely, and to ensure that you’re making a decision that will bring you joy and satisfaction. One person who did just that was was Bob Born. He’s the Peeps guy who passed away on January 29, 2023, at the age of 98 according to a recent Wall Street Journal article. This man brought joy to this world through a tiny, lovable product, the marshmallow peeps. May he rest in peace.This man brought joy to this world through a tiny, lovable product, the marshmallow peeps. May he rest in peace. Bob had a fascinating life, beginning with an education in engineering physics and a stint in the Navy as a radar specialist. He was even planning to go to medical school, but instead found a love for tinkering with production machinery. In 1953 his family took over the Roddy Candy Company in Bethlehem, Pennsylvania. Then Bob that took over the company when his father passed away in 1959. It was there that he streamlined the company and produced, among other things, the famous Peeps product. Bob’s story is an example of how exploring career options wisely can lead to success and satisfaction. He didn’t stick to one career path, instead meandered  through several different jobs and careers before settling in on the candy-making business. His education and training had nothing to do with becoming a businessman, but it was still important and not a waste of time. He just applied it in the candy-making business. This is why I tell the students in my career exploration class that they shouldn’t worry about deciding what they’ll do for the rest of their lives, because they won’t have the same job or career over time. It’s important to explore career options wisely, and to make sure that you’re making a decision that will bring you joy and satisfaction. It’s also important to remember that you don’t have to stick to one path. In today’s labor market you will meander through several different jobs and careers. It is common for people to try new things, grow into new fields and experiment before settling in on something that brings them joy. Careers evolve and so do people.  Contact Information: Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College.  Links: WSJ article: https://www.wsj.com/articles/bob-born-found-ways-to-make-peeps-by-the-millions-11675349633?st=0q9tvxn2p2qiuqq&reflink=desktopwebshare_permalink No Loan Zone Website:

The No Loan Zone podcast encourages finding ways to completing a degree without going into debt. In this episode, you will hear from Capri, a high school student pursuing an associate’s degree and Alex, a police officer pursuing a degree with tuition being paid for by his employer, the city of Elyria.  Additionally, LCCC staff member Sarah Hudson shares the challenges that students face while in school and tips for completing a degree without debt such as talking to an advisor and making sure your have a clear career goal. Highlights: Starting early is key to achieving a debt-free degree. High school is an ideal time to begin planning for college. Taking the right classes and getting good grades can open up opportunities for scholarships and grants. It is also important to explore career options and to understand the labor market. This will help the student make an informed decision about what college to attend and what degree to pursue.  Employers can also be a great resource for tuition assistance. Many companies have programs that provide tuition assistance for employees. It is also important to research and apply for grants. Grants are a great way to pay for college without taking on debt. Applying for the FAFSA is key: https://studentaid.gov/ Finally, it is important to ask for help when needed. College can be confusing and overwhelming. It is important to reach out to professors and advisors for guidance. They are there to help and can provide advice and assistance. It is also important to understand the terminology associated with college and to not be embarrassed to ask questions.  Completing a degree without going into debt is possible with the right planning and preparation. Starting early is key to achieving a debt-free degree and taking advantage of scholarship and grant opportunities. It is also important to have a connection with someone on campus to help guide the student through the process. Finally, it is important to ask for help when needed and to not be embarrassed to ask questions.  Contact Information: Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College. 

Today on our program we discuss betting on college and how to make wise career choices based on our options, research and the facts before us. This podcast is based on the issues raised in the book, The Biggest Bluff by Maria Konnikova. Research before betting on college. Betting on college is a huge decision that can have a lasting impact on a person’s financial future. It is important to do research and make wise choices before making this bet. By researching the facts and understanding the options, students and their families can make an informed decision about college. Maria Konnikova, author of The Biggest Bluff, has done extensive research on how people bet. In her book, she ran betting experiments with students using real money. She found that people tend to overestimate the degree of control they have over events. Even smart people who should know better make decisions based on limited information. Unfortunately, many people make decisions based on their emotions rather than facts and research. Konnikova’s main message is to pay attention and look at things as they are. Students must do their homework and research the college they are considering. They must look at the hard numbers and understand their own skills and abilities and their chances of success. It is important to look at the labor market realities and make an informed decision. Online Career Planning Class Offered at LCCC: SDEV 103 Career Exploration and Life Planning (W101) Instructor: Janet Maltbie Online 8 week course begins January 17, 2023 Offered through Lorain County Community College Sign up today Janet Maltbie, a career counselor and host of the No Loan Zone podcast, teaches an online career exploration class at Lorain County Community College. This class gives students a chance to do research and look into their options before they make a decision. It is important to understand the cost of college, the chances of graduating, and the return on investment. The numbers can be daunting. According to Maltbie, only 17% of students graduated with a degree from Lorain County Community College in 2016. Betting on college is a big decision. It is important to research the facts and make an informed decision. By understanding the cost, the chances of success, and the return on investment, students and their families can make a wise decision about college.  Making smart decisions in high school, college, and beyond is an important part of life. The No Loan Zone podcast on radiowannabe.com provides valuable information and advice on how to make informed decisions about college and beyond. Reach out to Janet Maltbie today. Contact Information: Janet Maltbie can be reached at noloanzone.com/contact.

Today on our program, No Loan Zone host, Janet Maltbie is on location with Josh Clemence at Boxcast, the best and easiest way to live stream events.  Josh is a professional videographer and video content specialist at Boxcast. He is also co-owner of clevelandvideocompany.com. He holds a Bachelor’s degree in Marketing from the University of Mount Union.  In this podcast Josh recounts his time at Mount Union. After scholarships and grants, Josh took out $100,000 in student loans and 8 years later is still paying $1,000 per month for his college.  Josh’s key takeaways: “Paying off student loans is like paying alimony to a spouse you never married.” “Have a good idea of what you want to do first, or take some time to explore that before you start spending the money on college.” “If you are going to go to a four year college be super involved, because if you’re not, then you’re throwing away your money.” “I started a business. I met my business partner there and made great memories. But at the same time, somebody else could spend $100,000 and just go through classes and just do what they’re told and get absolutely nothing out of it.” “So if you’re gonna do it, it’s still up to you to make it a great experience.” “The onus is still on you to kind of take initiative and find what you love and do all the extra steps. $100,000 isn’t going to do that for you.” Contact Information: Josh Clemence and Wade Clark can be reached at: https://www.clevelandvideocompany.com/about Janet Maltbie can be reached at noloanzone.com/contact. Janet meets with students and parents individually so they can make wise career choices in high school, college and beyond. She also teaches a totally online Career Exploration and Life Planning class, SDEV 103, through Lorain County Community College.