Answer to Question 1
Answer: Students should identify at least two advantages and disadvantages, such as the following.
Advantages might include:
You would have more money to pay for college tuition, fees, books, supplies, room, board, etc.
You would gain work experience that could enrich your academic learning as well as inform your search for permanent employment once you've graduated.
You would make professional contacts who might be able to help you in your post-graduation job search.
Disadvantages might include:
The time you spend working could reduce the time you have available for studying, doing lab or project work, exercising, or volunteering in activities and programs that may be personally enriching or related to your field of study.
The job hours could overlap with the hours of classes you need for your major, thereby increasing the number of semesters or years it takes you to complete your degree program.
The stress of work expectations and work relationships might increase your overall stress level, including by creating time conflicts between job responsibilities and academic responsibilities.
The dual burden of school and work might reduce your sleep time and leave you at greater risk for infections and other illnesses related to sleep and immunity.
Answer to Question 2
Answer: Students should cover at least five of the following points.
Repayment timelines start later.
Interest rates are fixed and often lower.
Students may qualify for subsidized loans.
Credit checks are not needed.
Interest may be tax deductible.
Loan payments can sometimes be deferred for hardship reasons.
Several repayment plans are available.
A portion of the loan may be forgiven if the holder works in public service.
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