Repay Your Student Loans by Doing Volunteer Work
As of 2014, outstanding student loan in the U.S. is $1.16 trillion. SponsorChange is helping graduates repay their loans by volunteering.
Higher education in the U.S. is so expensive that many call it a “privilege.” However, in an economy that thrives on innovation and skilled labour, young people have no choice but to find a way to afford this privilege. As of 2014, this results in $1.16 trillion of outstanding student loans. Recognizing the gravity of this problem, earlier this year President Barack Obama announced the Student Aid Bill of Rights — a set of guiding principles behind his vision for affordable education.
Existing student debt is already affecting the lives of graduates. Donghoon Lee, research officer at the Federal Reserve Bank of New York, says that “Student loan delinquencies and repayment problems appear to be reducing borrowers’ ability to form their own households.” SponsorChange, a young nonprofit that aims to increase volunteerism in the social sector, had another finding — student loans have a direct effect on the willingness to volunteer, since graduates cannot afford to spend time doing free work. As the founders put it, “We concluded that the ability to volunteer is a privilege that not everyone has the time and resources to afford.”
To address the issue, SponsorChange decided that it won’t be just another site that simply lists volunteering opportunities, but will develop an approach that helps both organizations and graduates with student loans, as well as involves people who want to donate money to causes.
“SponsorChange decided to reward volunteer service, because good work deserves to be rewarded, and everyone deserves the opportunity to meaningfully contribute. So we did something bold and different and went out and raised funding from citizen philanthropists. We started rewarding volunteers who completed skill-based projects at Pittsburgh nonprofits with direct student loan payments. Ever since, we've been helping volunteers who give back, pay back. Organizations list projects on our site and receive the talent they need. Volunteers find projects and build their skills by doing something they love. And sponsors, or what we call "philanthroteers" (philanthropist + volunteer), get to invest in human capital that fuels the social sector. It's a win-win-win.”
Nonprofit organizations can register on the site and create skill-based volunteer projects, which should take no more than 40 hours to complete. After the project is listed, philanthroteers can donate money for the projects they like, while Change Agents can apply to be volunteers. The project is completed following a project-management framework and after it is closed with the approval of the Change Agent, SponsorChange distributes the direct student's loan payments rewards.
SponsorChange helps graduates not only repay their student loans, but also add valuable skill-based experience to their CVs. It also provides a better way for philanthropists to donate, with their money helping both the nonprofits and graduates.
What can 3D printing do for medicine? The "sky is the limit," says Northwell Health researcher Dr. Todd Goldstein.
- Medical professionals are currently using 3D printers to create prosthetics and patient-specific organ models that doctors can use to prepare for surgery.
- Eventually, scientists hope to print patient-specific organs that can be transplanted safely into the human body.
- Northwell Health, New York State's largest health care provider, is pioneering 3D printing in medicine in three key ways.
- Push Past Negative Self-Talk: Give Yourself the Proper Fuel to Attack the World, with David Goggins, Former NAVY SealIf you've ever spent 5 minutes trying to meditate, you know something most people don't realize: that our minds are filled, much of the time, with negative nonsense. Messaging from TV, from the news, from advertising, and from difficult daily interactions pulls us mentally in every direction, insisting that we focus on or worry about this or that. To start from a place of strength and stability, you need to quiet your mind and gain control. For former NAVY Seal David Goggins, this begins with recognizing all the negative self-messaging and committing to quieting the mind. It continues with replacing the negative thoughts with positive ones.
Is this proof of a dramatic shift?
- Map details dramatic shift from CNN to Fox News over 10-year period
- Does it show the triumph of "fake news" — or, rather, its defeat?
- A closer look at the map's legend allows for more complex analyses
Dramatic and misleading
Image: Reddit / SICResearch
The situation today: CNN pushed back to the edges of the country.
Over the course of no more than a decade, America has radically switched favorites when it comes to cable news networks. As this sequence of maps showing TMAs (Television Market Areas) suggests, CNN is out, Fox News is in.
The maps are certainly dramatic, but also a bit misleading. They nevertheless provide some insight into the state of journalism and the public's attitudes toward the press in the US.
Let's zoom in:
- It's 2008, on the eve of the Obama Era. CNN (blue) dominates the cable news landscape across America. Fox News (red) is an upstart (°1996) with a few regional bastions in the South.
- By 2010, Fox News has broken out of its southern heartland, colonizing markets in the Midwest and the Northwest — and even northern Maine and southern Alaska.
- Two years later, Fox News has lost those two outliers, but has filled up in the middle: it now boasts two large, contiguous blocks in the southeast and northwest, almost touching.
- In 2014, Fox News seems past its prime. The northwestern block has shrunk, the southeastern one has fragmented.
- Energised by Trump's 2016 presidential campaign, Fox News is back with a vengeance. Not only have Maine and Alaska gone from entirely blue to entirely red, so has most of the rest of the U.S. Fox News has plugged the Nebraska Gap: it's no longer possible to walk from coast to coast across CNN territory.
- By 2018, the fortunes from a decade earlier have almost reversed. Fox News rules the roost. CNN clings on to the Pacific Coast, New Mexico, Minnesota and parts of the Northeast — plus a smattering of metropolitan areas in the South and Midwest.
Image source: Reddit / SICResearch
This sequence of maps, showing America turning from blue to red, elicited strong reactions on the Reddit forum where it was published last week. For some, the takeover by Fox News illustrates the demise of all that's good and fair about news journalism. Among the comments?
- "The end is near."
- "The idiocracy grows."
- "(It's) like a spreading disease."
- "One of the more frightening maps I've seen."
- "LOL that's what happens when you're fake news!"
- "CNN went down the toilet on quality."
- "A Minecraft YouTuber could beat CNN's numbers."
- "CNN has become more like a high-school production of a news show."
Not a few find fault with both channels, even if not always to the same degree:
- "That anybody considers either of those networks good news sources is troubling."
- "Both leave you understanding less rather than more."
- "This is what happens when you spout bullsh-- for two years straight. People find an alternative — even if it's just different bullsh--."
- "CNN is sh-- but it's nowhere close to the outright bullsh-- and baseless propaganda Fox News spews."
"Old people learning to Google"
Image: Google Trends
CNN vs. Fox News search terms (200!-2018)
But what do the maps actually show? Created by SICResearch, they do show a huge evolution, but not of both cable news networks' audience size (i.e. Nielsen ratings). The dramatic shift is one in Google search trends. In other words, it shows how often people type in "CNN" or "Fox News" when surfing the web. And that does not necessarily reflect the relative popularity of both networks. As some commenters suggest:
- "I can't remember the last time that I've searched for a news channel on Google. Is it really that difficult for people to type 'cnn.com'?"
- "More than anything else, these maps show smart phone proliferation (among older people) more than anything else."
- "This is a map of how old people and rural areas have learned to use Google in the last decade."
- "This is basically a map of people who don't understand how the internet works, and it's no surprise that it leans conservative."
A visual image as strong as this map sequence looks designed to elicit a vehement response — and its lack of context offers viewers little new information to challenge their preconceptions. Like the news itself, cartography pretends to be objective, but always has an agenda of its own, even if just by the selection of its topics.
The trick is not to despair of maps (or news) but to get a good sense of the parameters that are in play. And, as is often the case (with both maps and news), what's left out is at least as significant as what's actually shown.
One important point: while Fox News is the sole major purveyor of news and opinion with a conservative/right-wing slant, CNN has more competition in the center/left part of the spectrum, notably from MSNBC.
Another: the average age of cable news viewers — whether they watch CNN or Fox News — is in the mid-60s. As a result of a shift in generational habits, TV viewing is down across the board. Younger people are more comfortable with a "cafeteria" approach to their news menu, selecting alternative and online sources for their information.
It should also be noted, however, that Fox News, according to Harvard's Nieman Lab, dominates Facebook when it comes to engagement among news outlets.
CNN, Fox and MSNBC
Image: Google Trends
CNN vs. Fox (without the 'News'; may include searches for actual foxes). See MSNBC (in yellow) for comparison
For the record, here are the Nielsen ratings for average daily viewer total for the three main cable news networks, for 2018 (compared to 2017):
- Fox News: 1,425,000 (-5%)
- MSNBC: 994,000 (+12%)
- CNN: 706,000 (-9%)
And according to this recent overview, the top 50 of the most popular websites in the U.S. includes cnn.com in 28th place, and foxnews.com in... 27th place.The top 5, in descending order, consists of google.com, youtube.com, facebook.com, amazon.com and yahoo.com — the latter being the highest-placed website in the News and Media category.
- Master Execution: How to Get from Point A to Point B in 7 Steps, with Rob Roy, Retired Navy SEALUsing the principles of SEAL training to forge better bosses, former Navy SEAL and founder of the Leadership Under Fire series Rob Roy, a self-described "Hammer", makes people's lives miserable in the hopes of teaching them how to be a tougher—and better—manager. "We offer something that you are not going to get from reading a book," says Roy. "Real leaders inspire, guide and give hope."Anybody can make a decision when everything is in their favor, but what happens in turbulent times? Roy teaches leaders, through intense experiences, that they can walk into any situation and come out ahead. In this lesson, he outlines seven SEAL-tested steps for executing any plan—even under extreme conditions or crisis situations.
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