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If you’re someone who hardly has time to go to the spa to relax and cannot do it under your own roof, it probably is a good idea to start revamping your bathroom into a spa-like sanctuary.
To achieve an ambiance that will promote calmness and relaxation, follow these five steps when redesigning your bathroom.
Step #1: Declutter and Get Organized Creatively
You cannot possibly relax with all the clutter scattered around your bathroom. Create a fresh start bykeeping the space clean and organized before proceeding with the main redesign process.
Start by collecting all your towels, toiletries, and other bathroom belongings in one place. Then, group them together according to type or similarity. Put all soaps with shampoos, gather all cosmetic items, and put them all in one place.
Once you accomplish this, you’ll be able to see how much clutter you’ve collected which can help you determine the ones you can let go and those you intend to keep. After that, you can start making your creativity work in choosing storage spaces such as elegantly crafted marble countertops and vanity tables.
Step #2: Repaint with Calming Colors
Once you have removed all the unnecessary items in your bathroom, you can already proceed with the main part of the redesigning process: repainting.
Believe it or not, plain white isn’t your only option to achieve a relaxing bathroom ambiance—you can also opt for soft greys, beige, and other brown tones. You can also make it more soothing and romantic by adding decor, vases, or flowers that sport pale pink shades.
Step #3: Establish a Relaxing Ambiance with Music and Lighting
Next up is to create an ambiance of rest and relaxation in your bathroom. This means you should re-create the space to allow your eyes to rest. To promote calm and stress-relief, adding a sound system and improving the lighting is your best bet.
There are tons of small-yet-powerful speakers you can choose from that allow for effortless camouflaging in any bathroom design. You also have an option to hire bathroom solutions experts who can add subtle lighting that will complement the use of scented candles and crystal light fixtures for the ultimate spa experience.
>> Ease away the stresses of the day with The Sleep Collection
Step #4: Bring Nature In
The common denominator in almost every spa is the presence of nature or natural elements. If you have the luxury of space and a vast window, it would be a good idea to put it to good use. Move your tub near the window so you can bask in the warmth of the sun while soaking in your tub.
If you don’t have much space, you can still bring nature in by decorating the area with some potted plants. There are tons of plants you can choose from, but you should choose the likes of bamboo, aloe vera, Boston fern, or cast iron plant. The bottom line is to pick a plant that can thrive with infrequent watering and low or indirect sunlight.
Step #5: Add Complementing Accessories and Fittings
Now, it is time for you to choose your bathroom accessories and fittings. It is good to think about plumbing fixtures like you would any piece of jewelry—they act as accessories to the bathroom while functioning as intended.
One thing you can add is a rain shower head with an oversized round head. Just imagine showering under it as you would on a rainy day; feel the stress get washed away by the soothing water trickling down your skin. Talk about relaxing!
You can also change up your bathroom accessories. Some cedar or teak bath mats and a wooden bathtub tray could do your spa-themed bathroom justice.
Ready for a Relaxing Bath?
Achieving calm and relaxation under your own roof is not impossible if you have a spa-like bathroom. You just need to be creative and resourceful while understanding the important elements common in spas to get an effective stress-relieving experience in your own home.
Politics and a pandemic have shoved stodgy student loans into the spotlight. Since 2020, borrowers have encountered an onslaught of changes to the federal student loan landscape, including more than three years of paused payments, an upcoming repayment plan overhaul and potential debt cancellation.
Backtracked announcements and timeline changes have made it difficult for borrowers to keep up with where things stand. Here’s what you need to know and how to prepare for what comes next.
Announced in August 2022, President Joe Biden’s one-time proposal would erase up to $20,000 in federal student loans for more than 40 million eligible borrowers — but an ensuing legal showdown has put the plan in the hands of the Supreme Court.
In December 2022, the high court said it would evaluate two major lawsuits blocking the loan cancellation plan, and it held student debt cancellation oral arguments in February. The public hearing was the last visible step before a ruling comes out.
The justices are crafting their opinions behind closed doors, so for now, we wait. Legal experts expect a final decision by late June or early July. It will determine whether Biden’s plan can roll out as intended and end the payment pause.
What you can do about it: “Prepare for what you have in front of you today,” says Scott Buchanan, executive director of the Student Loan Servicing Alliance. “Don’t make financial decisions premised on what may or may not happen in the courts, because you’re guessing just as much as anyone else.”
One way to prepare is to “pretend” to pay your student loans now by moving your estimated student loan payment from a checking account into a savings account each month, advises Lindsay Bryan-Podvin, a Michigan-based certified financial therapist and partner of the financial wellness app Upwise. When payments turn back on, you’ll already have some money set aside to cover your first few bills. And if cancellation survives the Supreme Court, you could have a bit of extra money set aside for something else.
“We can’t really predict the weather, but we can dress appropriately for it,” Bryan-Podvin says.“We can’t decide … whether or not they’re going to actually let people have the $10,000 to $20,000 in forgiveness, but we do have control over what we do.”
Payments resume late summer 2023 — for now
Timing of the Supreme Court’s decision is set to affect when exactly student loan payments will resume after more than three years of an interest-free federal payment pause, known as forbearance.
Under current guidance, borrowers will need to start repaying their federal student loans 60 days after June 30 or 60 days after the Supreme Court releases its ruling — whichever comes first.
Forbearance started in March 2020, as the pandemic began sweeping the U.S. The government has insisted the current forbearance timeline won’t change again, but note that the expiration date has moved nine times so far.
What you can do about it: Borrowers may be frustrated by the uncertainty, but they should still prepare as if bills will resume later this summer. Reach out to your student loan servicer if you’re not sure what to expect.
“Even if the government decides to make some change or delay something for a month or two, that homework is not wasted,” Buchanan says. “Whenever that day comes, you know what plan you’re going to go into, you know how much that monthly payment is going to be, you know where to send the check.”
Don’t wait for official word of forbearance ending to start that homework, especially when it comes to contacting your servicer. If you do, you could encounter long hold times and delayed responses. “We know we’re going to have a bottleneck of people,” Buchanan adds.
Other loan forgiveness pathways expanded
The U.S. Department of Education has proposed a few recent changes to income-driven repayment, or IDR, plans, which cap monthly federal student loan bills at a set percentage of your income and erase remaining student debt after borrowers make payments for a set number of years.
IDR account adjustment, or waiver
In April 2022, the Education Department announced an IDR and Public Service Loan Forgiveness, or PSLF, one-time account adjustment — also called the IDR waiver — that will move millions of borrowers closer to the student loan forgiveness finish line.
About 40,000 borrowers with older loans were to see balances wiped clean starting this spring, the Department of Education estimated, and more than 3.6 million borrowers are expected to receive at least three years of additional credit toward forgiveness under an IDR plan or PSLF when their accounts are updated in 2024. If you’ve been in repayment for at least 20 or 25 years (including forbearance time), you’ll be free of student debt after the adjustment. If you qualify for PSLF, you’ll be debt-free if 10 years have passed.
What you can do about it: The recount is largely automatic — but if you have commercially held Federal Family Education Loan (FFEL) Program, Perkins or Health Education Assistance Loan (HEAL) Program loans, you must apply to consolidate them at StudentAid.gov by the end of 2023 to get the full benefits. Get started soon because the consolidation process can take time.
Even if you weren’t enrolled in an IDR plan before the pandemic payment pause, you’ll still see the adjustment applied to your account. But if you have a balance remaining after the adjustment, you will need to sign up for an IDR plan once payments resume to keep building credit toward loan forgiveness. Borrowers can call their servicers and submit paperwork today so they’ll be all set to go into an IDR plan as soon as forbearance ends, Buchanan says.
A new IDR plan
A major revision to an IDR plan called REPAYE would halve monthly payments for many borrowers with undergraduate loans and help some reach loan forgiveness more quickly. Students who originally borrowed less than $12,000 would see their remaining balances wiped away after 10 years of payments, instead of the 20 or 25 years under existing IDR plans.
The Education Department unveiled new details about the plan in January, but it’s not yet available to borrowers. Nor is it set in stone. The department aims to finalize and start rolling out the plan by the end of 2023.
What you can do about it: Once the revised IDR is finalized, you can call your servicer to ask about signing up for it. Don’t count on it being available by the time federal student loan payments resume.
Student loan servicer switches
The company that manages your student loans could change in the next couple of years. In April, the Education Department signed contracts with five federal student loan servicers. The new contracts are slated to go live sometime in 2024, but legacy contracts will last through December 2024 to smooth the servicer transition. Effects may be limited: Only one new servicer is entering the arena, and one — OSLA — is leaving.
Eventually, the overhaul will also include the launch of a central servicer portal at StudentAid.gov. The portal is intended to lead to more customer service accountability and prevent borrowers from having to navigate servicer-specific websites.
What you can do about it: Make sure your contact information is up to date with your current servicer, and download a copy of your payment history. You don’t need to do anything else at this point. “From an everyday experience perspective, I don’t know that it’s going to be a whole lot different than it is today,” Buchanan says of the new contract landscape.
If the Department of Education transfers your loans to another servicer, your current servicer and your new one will notify you by mail, email or phone. From that point on, you’ll make monthly payments with the new servicer, and you may need to set up any auto-pay or biweekly payments again. Most servicers deliver the same options, but customer service may differ among them.
Other key student loan changes underway
“Fresh Start” program for delinquent or defaulted loans. People with past-due federal student loans now have a second chance to get them back into good standing, thanks to the government’s temporary “Fresh Start” program. It includes a bevy of benefits, like restored access to IDR plans. Eligible borrowers will need to sign up for Fresh Start within one year of forbearance ending to enjoy its full relief. You can sign up on myeddebt.ed.gov or by calling the Education Department at 800-621-3115.
Bankruptcy guidance. The departments of Education and Justice jointly released updated bankruptcy guidance in November 2022, meant to standardize the requirements for borrowers to discharge their federal student loans in bankruptcy. Local bankruptcy judges will still make final calls case by case. Contact a bankruptcy attorney to see whether this is a good option for you.
Breaking up consolidated spousal loans. In October 2022, Congress passed the Joint Consolidation Loan Separation Act, which will allow borrowers who previously consolidated their student loans with a spouse — through a program that ran from 1993 until 2006 — to separate them and access debt relief programs, like Public Service Loan Forgiveness. However, lawmakers have not yet said when they’ll roll out the program for eligible borrowers to apply for the loan separation.
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Whether you like flashy sports cars or practical minivans, shopping around for cars can feel like a fresh start. The problem is, most people can’t afford to pay out of pocket.
So how do you get a car loan to help turn your motorized dreams into reality? Like most big purchases, creating a thorough plan is a must. Understanding all your financing options, how a car loan will affect your credit, and how you can get the most bang for your buck will save you headaches—and debt—down the road.
Have a specific question in mind? Use the links below to get straight to the information you need:
What Are the Steps for Getting a Car Loan?
Throughout the financing process, remember that you’re shopping for two different products: the car and the car loan. Before setting foot on a dealership, take the time to weigh all your options so you feel 100% certain that investing in a new car is the best decision for your financial health as a whole.
Start with a Budget
If you don’t have a monthly budget, it’s time to create one. Assess all the monthly debt payments you currently have—such as rent, student loans, and credit card bills—and then figure out how much you’ll be able to afford on a monthly car payment.
Your car payment calculations should include not only the amount paid back to the lender, but also gas, insurance, and maintenance fees. If you come up with a number that won’t work with your income, consider saving for a larger down payment so you won’t have to take out a large car loan.
Check Your Credit Score
Request a copy of your free credit report to determine how your score will affect the loan shopping process. When doling out the best rates, lenders look for a score of 760 or higher and will give you a better deal the higher your score. Payment history, debt-to-income ratio, and the history of your credit lines all affect that magic three-digit number.
Start by fixing any inaccuracies you find on your report that could be dragging down your score. Within a month or two, you should see the mistakes removed which may make your number rise. If you aren’t in a rush to purchase the car, work on bringing your score up to help you get more favorable loans when it does come time to apply.
If you don’t have the time or ability to raise your credit score before purchasing the car, you could find a co-signer for the loan. Consider asking a parent, friend, or family member with a good score to co-sign. It’s important to remember that the co-signer is responsible for paying back the loan if you’re unable to make the monthly payments, and the credit score of both you and the co-signer will be affected by late or missed payments.
Explore All Your Loan Options
There are two main ways to get a car loan: direct lending and dealership financing. After picking out the car you want to buy, consider which option makes the most sense for you.
Direct Lending
Direct lending entails receiving a loan from a bank, credit union, or online lender. You’ll agree on the amount of the loan and the finance charge, or interest rate, that you’ll pay on the loan. Some things to note about receiving direct lending:
Banks often offer competitive interest rates but are more exclusive about who they offer a loan to. It is more likely you will need to have a good or excellent credit score to obtain a desirable loan from a bank. You don’t usually have to be a member at the bank to apply for an auto loan or get pre-approval.
Credit unions may have an easier loan application process and lower interest rates. However, you must be a member to apply for a loan.
Online lending websites often contact several lenders at the same time so you can easily obtain competing loan offers. Just like a bank or credit union, you will determine the terms of the loan with the lender. Make sure to always do background research on each lender you contact to ensure they aren’t predatory lenders.
Dealership Financing
Some dealerships offer on-site financing, which means you agree on the loan amount and interest rate with the dealer. Here are some things to keep in mind:
The dealer will gather all your information and send it to one or more prospective auto lenders, who will then give the dealer a “buy rate.” This could be higher than the interest rate you negotiate because it could include a compensation fee for the dealer handling your loan.
Because you are treating the dealership as a one-stop-shop for all your car needs, you might be offered special deals or rebates that include low interest rates.
Get Pre-Approval
Whichever financing option you decide to pursue, don’t just take the first loan offer that comes your way. Take the time to shop around and get competing rates through the pre-approval process. This entails asking multiple lenders to look at your credit report and draft up the loan amount and interest rate they’d be willing to offer you.
Pre-approval may give you more bargaining power with a dealership than if you went in without a financing plan. You also might be able to hunt down the best deals because lenders are competing for your business. Remember, just because you receive pre-approval from a lender doesn’t mean you have to take their offer.
An important element of loan shopping is keeping your pre-approval applications and final loan applications within a short window of time. Every time a lender looks at your credit report, it triggers a hard inquiry. If you build up too many hard inquiries, it could lower your credit score.
Fortunately, Turbo uses VantageScore, one of the common scoring models, which offers a 14-day grace period. If multiple hard inquiries are made during this time period for an auto loan, it will only be counted as a single inquiry—thus protecting your score.
Negotiate the Total Cost
Once you’ve found a lender that you want to finance your car loan, consider negotiating the final deal. This includes:
Length of the loan. Typically, a shorter loan will have higher monthly payments but lower interest rates. A longer loan will have smaller monthly payments and higher interest rates.
APR and interest rate. Depending on your pre-approval offers, you might be able to negotiate for a lower interest rate. This means you’ll pay the lender less to borrow the money over the length of the loan.
Additional add-ons. Extended warranties or additional insurance can raise the total cost of the loan.
Special offers or discounts. If you’re getting your loan through a dealership, use the negotiation process to ask about any manufacturer rebates that could get you a lower price on the car, therefore reducing the amount of money you need to borrow.
Close the Deal
Before driving off into the sunset, make sure to tie up any loose ends that could impact your car loan. Per the federal Truth in Lending Act, lenders are required to provide you with important information about your agreement so you can verify all the terms match what you discussed.
Sign all paperwork before taking your new car home, and make sure you have multiple ways to contact your lender if you ever have any questions. Whether you make online or by-mail monthly payments will be discussed during the negotiation process. It’s crucial that you pay these back on time every month to avoid severe late fees or repossession of your brand new set of wheels.
Will Trading In my Car Affect an Auto Loan?
If you plan to trade in your current car before purchasing a new one, it could lower the total cost of your car loan. The credit or cash you receive from the trade-in can be put to use as a down payment, thus reducing the amount you need to borrow from a lender.
Before trading in, make sure you know whether the total amount you still owe on your car is less than what it’s worth. Carrying an old auto loan onto a new auto loan may raise your interest rates and limit your options for the best deals. While trading-in can significantly help some buyers, it may not always be the best option if you want to get a favorable loan for your new vehicle.
Can I Get a Car Loan with Bad Credit?
Despite many lenders being wary of borrowers with poor credit scores, there are still options available to obtain a car loan. As mentioned earlier, paying off any existing debt, finding a co-signer, or saving for a larger down payment are all ways to help offset bad credit.
However, if the purchase can’t wait, lenders may still offer you a loan—but likely at a high price. Interest rates and additional fees skyrocket for borrowers with less-than-ideal credit scores, and it may dig you into a deeper hole of debt than you started with.
If you think you might be late on a payment, contact your lender immediately to discuss the possibility of adjusting your payment plan. While most of the original terms you negotiate will likely stay the same, you may be able to make a delayed payment. But if you consistently default on your payments, the lender is allowed to repossess your car, sell it, and use the money to pay off your remaining debt.
Despite its complexities, getting a car loan can be a straightforward process if you make a strategic plan. Assess your current financial health, loan shop, and negotiate a deal that suits your needs; in no time you’ll be able to hit the streets with a shiny new toy and feel confident in your abilities to manage debt.
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Oh Mondays. As much we dread you, you do present the chance for a fresh start. Every Monday is the opportunity to grab a new week by the horns and make the most of it. But how? There are some strategies that can help you be productive and get the most out of your workday.
Start your day with something creative. It can be very easy to feel like you need to dive into your to-do list first thing. Or open your inbox. But that can dictate your entire day. Suddenly, you’re no longer proactively attacking projects but instead reacting to the demands of others. Instead, carve out an hour at the start of your day to work on a creative idea, make progress on a larger project or work towards a deadline.
Have a to-do list, but with no more than 3 MUST-do’s. It’s always a good idea to have your priorities written down, but then you can cut that list down even more. A massive t0-do list can actually be a bit paralyzing. Instead, write down the 2-3 things you must accomplish today. Even better – write them down the night before – that way they’re off your mind, helping you sleep better. You’d be amazed at the sense of accomplish you feel once you’ve checked those 2-3 critical things off your list. Everything else after that is an added bonus.
Don’t let email take over. Your inbox can quickly turn into a death spiral. If you’re obsessed with getting it to zero or feel like every message requires an immediate response it’s nearly impossible to get into a flow. Instead of jumping at every ping, instead carve out certain times of day to check and respond to email. It could be 15 minutes every hour or maybe once in the morning, once after lunch, once before you end your day. Whatever your plan – have one. Otherwise your inbox ends up running your life.
Just say no to social media. Similarly, social media is a black hole that will drain your energy and steal your time. So just don’t do it. There’s no need to be on Facebook during the day. Instagram, while great is really just a distraction. And don’t even get me started on Snapchat. But people’s stories last for 24 hours so you can wait until the evening to indulge. If you really want to get work done, staying off social networks is your best bet.
Give yourself space to explore (but not procrastinate.) Structure your day to allow for a little discovery. Perhaps after you’ve worked on your big project, done your first round of email checking and have completed one (or even two!) of the key items on your to-do list, give yourself a little time for inspiration. The key word here is a little. Set a timer for 15, maybe 20 minutes, and use that time to check out Pinterest, look through a magazine, peruse other blogs. Whatever it is that helps you feel inspired. But when that time goes off, it’s time to get back to the task at hand. No rabbit holes.
Practice these techniques for a few days and you’ll be amazed at what you get done!
For more work related tips & tricks and behind the scenes of the business of blogging, CLICK HERE.
We’re pretty sure that you’ve heard it all before – spring is for renewal and a fresh start. However, this phrase will probably never get old because spring and our wish to change things up a bit is such a huge part of being a human (well, eating might be first on the list, but all that spring renewal stuff is also pretty high up), that this phrase always rings true. Now, about that ‘changing things up a bit’ part – we all do it differently, but why not apply this rule to all new and fresh home decoration ideas? After all, it’s the easiest (and usually almost free) way to give your surroundings a new look and make a fresh start for yourself. And if you’re looking for some home decoration ideas to inspire you, you’ve clicked on the right link, for this is our list dedicated exactly to that!
So here’s what you’re about to see: basically everything from bathroom decoration ideas to wall decor ideas! Yup, it’s a pretty extensive list covering all the bases of your home, so whether you’re looking for something specific – like fireplace decoration ideas (because we all know you’re not lighting that thing like ever) – or just browsing around without any particular ideas of your own, you’re bound to find some pretty cool home decor inspo right on this list. And that’s a promise!
Right, ready to dive deep into the world of home decoration? Sure you are! Scroll down below until you reach the submissions, vote for the ideas that you liked the most, and may you create the most unique home decor with the help of this list!
Medical bankruptcy is an unofficial term for clearing out medical debt under Chapter 7 or Chapter 13 bankruptcy.
According to the U.S. Census Bureau, Americans hold nearly $200 billion worth of medical debt. As you can imagine, medical debt can cause quite a bit of financial distress for anyone who has it.
Medical bills can affect your credit and make paying off other bills difficult. Filing bankruptcy due to hefty medical bills may help you eliminate your medical debt and have a fresh start, but it isn’t always a perfect solution. Here, you’ll learn what medical bankruptcy is and how it works so you can decide if it’s the right choice for your situation.
What does medical bankruptcy mean?
“Medical bankruptcy” isn’t a legal term used in bankruptcy court, but it’s often used unofficially to describe filing for bankruptcy to eliminate medical debt. The most common forms of bankruptcy for individuals struggling with medical debt are Chapter 7 and Chapter 13—they have some similarities as well as differences for discharging debt.
Can you discharge medical debt in bankruptcy?
Both Chapter 7 and Chapter 13 can help you discharge medical debt as long as you follow the court’s guidelines and are approved for the filing. When you file bankruptcy, your debts are categorized as either secured or unsecured debts. Secured debts are types of debts for which you provide collateral or a down payment, like a home or a vehicle. Credit cards and other non-collateralized debts are unsecured debts.
Medical bills fall under the unsecured debts category, which gives you more options when you’re filing for bankruptcy. For example, if you’re approved for Chapter 7 bankruptcy, you may be able to have the entirety of your medical debt eliminated.
Which type of bankruptcy should you file for medical debt?
Choosing which form of bankruptcy to file depends on your unique circumstances as well as what the courts will approve. The primary difference between Chapter 7 and Chapter 13 bankruptcy is that Chapter 7 allows you to eliminate debt after liquidating some of your assets. With Chapter 13 bankruptcy, you’re provided with a repayment plan to pay off debts over time.
How to file Chapter 7 bankruptcy for medical debt
To qualify and file for Chapter 7 bankruptcy, you’ll need to pass a means test. The means test is when the court takes a look at your household income compared to the average in your state. If you’re below a certain threshold, you can file for Chapter 7. When people ask, “Does bankruptcy clear medical debt?” they’re usually referring to Chapter 7.
During a Chapter 7 bankruptcy, you’re assigned a trustee who evaluates your financial situation and your assets. For assets that don’t fall under your state’s specific exemptions, you may be required to sell them in order to pay back a portion of your debt. Once the assets are sold to pay back creditors, the remaining debt is removed.
How to file Chapter 13 bankruptcy for medical debt
People with a steady source of income typically file Chapter 13 for their medical bankruptcy. If your medical condition isn’t preventing you from working and receiving regular pay, this may be your best option for bankruptcy.
Under a Chapter 13 bankruptcy filing, you submit a proposal to the courts, which is based on your income. The proposal contains information on how much you believe you can pay on a monthly basis. You’re given a three-to-five-year timeline to repay your debts based on the court’s decision. Once your repayment plan is complete, the court discharges your bankruptcy.
Alternatives to filing medical bankruptcy
Medical bankruptcy is an option that many people turn to, but it can affect your credit for seven to 10 years. Derogatory marks on your credit can make it difficult to apply for loans, and it can also result in putting down larger deposits when renting a home or turning on utilities.
Before filing for medical bankruptcy, here are some alternative ways to pay your medical bills and avoid bankruptcy:
Sell assets: Yes, this is part of Chapter 7 bankruptcy, but it does not affect your credit if you do it on your own. You can use these funds to pay down your medical debt.
Borrow from a friend or family member: This is typically a good option to avoid interest, but medical debt doesn’t accrue interest. It still may be helpful to avoid the debt going to collections.
Settle your debt: Much like other forms of debt, you may be able to call and negotiate with your medical debt creditors to settle the debt for less.
Consolidate your debt: Debt consolidation allows you to combine multiple medical bills into one, which can help reduce the number of creditors you have and make repayment more manageable.
Find extra sources of income: Depending on your medical condition, it can be helpful to work additional hours or find side work to pay down your debt.
FAQ
The following are some of the most common questions when it comes to medical bankruptcy.
What is the difference between bankruptcy and medical bankruptcy?
Technically, there’s no difference between bankruptcy and medical bankruptcy. While medical bankruptcy isn’t a legal term, you can claim medical debt when you file for bankruptcy.
How long does medical bankruptcy last?
Chapter 13 bankruptcy takes three to five years to repay your debt, and it remains on your credit report for seven years. Chapter 7 bankruptcy can take four to six months and will stay on your credit report for 10 years.
How does medical bankruptcy impact credit?
Medical bankruptcy affects your credit score, so it’s helpful to understand the downsides of filing for bankruptcy. Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 bankruptcy only lasts for seven.
As long as a bankruptcy is on your credit report, it hurts your credit and is also a red flag for lenders and anyone else who checks your credit. This can result in loan rejections as well as higher deposit requirements when you rent or start a utility service.
Can you claim medical debt on bankruptcy?
Yes. You can claim an unlimited amount of medical debt when you file for bankruptcy.
Does a medical bankruptcy affect your spouse?
If you’re married, your medical bankruptcy can affect your spouse, even if you file alone. Your spouse’s assets may need to be liquefied under Chapter 7 bankruptcy, but if you file individually, your bankruptcy will not affect their credit.
How to repair your credit after medical bankruptcy
Medical bankruptcy may be the best way to get back on your feet financially, but it can also affect your credit for years to come. If you’re planning on buying a home or car, or if you’re hoping to make other big purchases using credit, it can be difficult to get approved for these.
Lexington Law Firm has a team of legal professionals who can help you repair your credit. We have different credit repair services like credit monitoring and financial education tools to help you on your journey to rebuilding your credit. To learn how Lexington Law Firm could assist you, contact us today.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.)
Reviewed By
Vince R. Mayr
Supervising Attorney of Bankruptcies
Vince has considerable expertise in the field of bankruptcy law.
He has represented clients in more than 3,000 bankruptcy matters under chapters 7, 11, 12, and 13 of the U.S. Bankruptcy Code. Vince earned his Bachelor of Science Degree in Government from the University of Maryland. His Masters of Public Administration degree was earned from Golden Gate University School of Public Administration. His Juris Doctor was earned at Golden Gate University School of Law, San Francisco, California. Vince is licensed to practice law in Arizona, Nevada, and Colorado. He is located in the Phoenix office.
That was a phrase that my father continually beat into my head harder than Lars Ulrich could pound on his bass drum (in case there is a generation gap, Lars is the drummer from the rock band Metallica).
Even though on average college graduates do earn more in the long-run and online colleges are bringing down costs, the current job market is saturated with sustainable careers that don’t necessarily require a degree.
Taking a closer look, it seems a major shift in employer priorities is occurring in certain fields, such as manufacturing and information technology (IT), where soft skills and on-the-job training are deemed more beneficial than a formal educational background.
Individuals bringing these resources to the table are now in high demand, especially since many companies now offer assistantship programs or even paid training for high-achieving candidates.
In this day and age, it just might be more about the right skills than the right schooling.
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Air Traffic Controller
Automobile Service Station Manager
Real Estate Broker
Landscape Architect
Lead Carpenter
Director of Security
Elevator Mechanic
Cable Supervisor
Flight Services Manager
Freelance Photographer
Personal Trainer
Funeral Director
Commercial Pilot
Truck Driver
Nuclear Power Reactor Operator
Firefighter
Emergency Medical Technician
Railroad Jobs
Medical Coder
Information Technology Technician
Criminal Investigator
Brick Mason
Postal Service Worker
Pharmacy Technician
If you have decided to not attend a four-year college right out of high school, or are looking for a fresh start at a new career path, 25 of the highest paying careers with virtually no degree are featured below.
Looking for a fun job that pays well? Scared that the cause of unemployment may be growing? Sign up for free and see who’s hiring in 2023 at www.FlexJobs.com.
Disclaimer: While there are definitely some good paying trade jobs on this list, I still think having a college degree is worth it. Yes, tuition is high and will continue to rise, but the experience, connections, and mindset that college offers are invaluable. Now on to the jobs…
1. Margin Department Supervisor
Average Salary: $74,799
Prior Education: A finance or accounting degree is not required, but knowledge of all basic processes is needed.
On-the-Job Training: Moderate to high training and/or shadowing.
Job Description: A Margin Department Supervisor oversees a company’s credit department, which manages customer credit accounts and approves or denies credit to customers.
As would be expected, approving or denying credit sometimes involves unhappy customers, so you’ll need strong communication and negotiation skills for this role.
Since the scope of the job requires mathematical calculations as well as debt analysis and recognition of accounting principles, make sure you are confident with these basic processes. Some companies may increase pay if you have a degree under your belt.
You’ll also primarily be in charge of ensuring all department employees adhere to federal policies and regulations.
2. Air Traffic Controller (ATC)
Average Salary: $124,540
Prior Education: A college degree is not required, but the nature of the field is very competitive where experience is highly valued. A combination of progressive work experience and formal education is generally preferred.
On-the-Job Training: Rigorous training and testing is required.
Job Description: An Air Traffic Controller is required to pass rigorous testing by the FAA, which includes health checks, as well as mental stability tests. You must initiate the testing process before age 31.
Being an Air Traffic Controller has been voted the most stressful job in the United States for many years because of what the job entails on a daily basis. Air traffic controllers also often work night shifts, weekends, and even holidays.
A typical work day may include monitoring and directing in-air traffic, including routine take off/landing. Sometimes in-air emergencies must be handled, hence the high stress associated with the position.
Strong organizational and problem-solving abilities along with excellent communication skills are highly valued in this role. It does help to know someone already in the business to land a job in this field.
3. Automobile Service Station Manager
Average Salary: $45,204
Prior Education: High school diploma or equivalent. Some employers may prefer a Bachelor’s degree in management or similar field and/or several years of experience in automotive service management.
On-the-Job Training: Most can obtain this type of position by working one’s way up the ladder through on-the-job experience. Obtaining certification may also be required.
Job Description: Essentially, the role of the Service Station Manager is to run the day-to-day operations of a gas station.
The scope of the work includes setting the gas prices for the day, scheduling and training the rest of the employees who work at the station, ordering new merchandise to keep the shelves stocked, ensuring service station safety, as well as being the direct manager for the other employees.
Some skills that would be helpful in obtaining this job would be good personal skills as well as some managerial and accounting experience.
4. Real Estate Broker
Average Salary: $56,730
Prior Education: High school diploma or equivalent. However, a college degree in finance or related field may prove beneficial.
On-the-Job Training: Even though you must take a couple of classes to obtain your certification, these courses are much less of an expense compared to financing a college degree. Licensure requirements typically vary from state to state.
Job Description: To become a real estate broker you will still need to take a couple of classes to become certified. But still, these courses are still much less of an expense to you compared to financing a college degree.
You will be trying to sell houses as well as filing the paperwork for the transactions. In addition, you will help customers with their loan agreements.
However, if you are considering this career, you should be very friendly and have flexible hours since you will most likely be working on your customers’ schedules.
You typically are self-employed setting your own hours and working on a commission basis. Good negotiation skills along with market research experience will prove helpful in this role.
5. Landscape Architect
Average Salary: $65,760
Prior Education: Typically a minimum of a Bachelor’s degree in Landscape Architecture is preferred. An internship experience is highly encouraged. This job may require you to take some classes at a community college on horticulture as well as landscape design, but these types of courses are not required.
On-the-Job Training: With this career, you will have the option of whether you would like to be becoming certified or not. However, if you are certified, you will have access to larger contracts and a wider scope of work. Most states do mandate licensure, though, and the requirements vary from state to state.
Job Description: If you do not mind getting a little dirty and working hard for a living, then this might be a good career for you. Typical job duties include designing functional yet attractive outdoor spaces and parks for a variety of clients.
Landscape architects spend a large portion of their time creating blueprints and preparing cost analysis reports. You would also analyze environmental conditions for projects and even participate in restoration initiatives.
Make sure you have a good eye for design and a strong work ethic to consider this career. Understanding GIS technologies and project management is a must.
Here’s a how-to guide for starting your own lawn company and making some serious money (in turn being able to and saving some serious money, too!).
6. Lead Carpenter
Average Salary: $51,150
Prior Education: High school diploma or equivalent. Most Lead Carpenters begin their careers as skilled apprentices.
This job requires a high amount of experience in the field either through attending a trade school to master technical skills or by being an apprentice to a lead carpenter.
On-the-Job Training: By going to trade school you will actually have to obtain some type of certification, possibly making you more marketable in the field.
Often training includes learning how to expertly handle a variety of power tools, such as power drills or saws.
Job Description: Serving as an apprentice would most likely land you in a job replacing your teacher. Either way, you can be very successful in this type of career if you enjoy working with your hands.
Although highly dependent on the type of industry, job duties may include analyzing construction plans, creating project timelines, and managing and overseeing team production activities.
Carpenters often work in both indoor and outdoor settings and may need to eventually join a union.
7. Director of Security
Average Salary: $78,608
Prior Education: Typically a minimum of a Bachelor’s degree in Computer Science or related field is preferred along with years of experience in related positions.
In reality, this job will involve starting off in an entry level security position before working your way through the ranks to become the Director of Security.
On-the-Job Training: You might also be required to pass a security guard training program, but this will most likely be paid in full by the employer so the actual educational cost to you would be zero.
Depending on the company you will work for, you might also be required to pass a background check as well as some minor health inspections.
Job Description: A typical work day would include reviewing and implementing security department policies along with ensuring relevant local, state, and federal laws and regulations are adhered to. This role may also involve actively participating in training programs with the security staff.
Some good skills to have for this type of job would be some above average physical characteristics, as well as integrity to always choose what is right.
This position often involves being on-call for any emergencies after-hours, so make sure you can fulfill this requirement.
You can also try going the Police Officer route. If you decide to pursue this career, make sure you study with the Police Exam Guide.
8. Elevator Mechanic
Average Salary: $77,806
Prior Education: High school diploma or equivalent.
Just like the Lead Carpenter job, this job will most likely be acquired through a trade school degree, assistantship, or lots of years of experience. Being an elevator mechanic does have a couple more stipulations, though.
On-the-Job Training: Moderate to high training; may need to attend trade school to contract with large corporations.
Job Description: Lots of major corporations will require you to have a license and work for an insured company, which in this case would then force you to go the trade school route so that you could work on these large corporate jobs.
A typical work day would include repairing elevators and fulfilling routine preventative maintenance when needed. Installing and repairing control systems or adjusting and inspecting safety controls are other common work tasks.
Elevator mechanics should be able to identify and troubleshoot issues quickly and efficiently, and having a working knowledge of elevator mechanics is needed. Most of this industry is unionized, so make sure you are willing to join a union before entering this line of work.
9. Cable Supervisor
Average Salary: $51,112
Prior Education: High school diploma or equivalent. However, technical school education or an internship/assistantship may prove beneficial.
On-the-Job Training: A good way to acquire this type of a position is to either apply for the job with some type of managing/scheduling background or to apply for an entry-level position and work your way up by knowing the business.
Job Description: This career would be in a managerial-type setting. You would be responsible for overseeing the maintenance as well as installation workers setting up cable boxes and internet connections.
Typical work duties would also include interpreting cable specifications, troubleshooting issues with cable equipment, and also hiring and training any new cable technicians.
You would be responsible for the scheduling aspect as well as holding the workers accountable to be where they need to be.
10. Flight Service Manager
Average Salary: $64,042
Prior Education: Typically a minimum of a Bachelor’s degree in aviation management or related field is preferred. Completing an internship program is highly suggested.
On-the-Job Training: This career would most likely be obtained through lots of on-the-job experience along with obtaining certification if required.
Job Description: You would be responsible for helping schedule flight crews as well as taking care of customer complaints and filing any necessary paperwork.
This job would require great personal skills as well as lots of patience with unhappy customers. Making sure all passengers have the best onboard experience possible is of top priority for Flight Services Managers.
Airlines can be a stressful arena to work in, so if you are considering this line of work make sure you can keep your cool in the toughest of situations.
11. Freelance Photographer
Average Salary: $36,630
Prior Education: No educational experience required.
On-the-Job Training: This career typically involves both self-education and hands-on training through practice. Natural talent and creativity are highly valued in this field.
Job Description: Being a Freelance Photographer takes dedication to one’s tasks, as well as a great eye for artistic detail. This type of career may also require traveling long distances to be able to acquire the right “shot” for the right story.
In a sense, being a Freelance Photographer can take many forms, such as snapping pictures of nature for magazines, or taking pictures of stories for newspapers, or even being a paparazzi-type photographer and searching for the next big celebrity scandal.
To really make a sustainable living in this field, it may prove helpful to complete some basic business management courses, or to attend training sessions on editing or even lighting techniques.
It’s best that Freelance Photographers have good personal skills and can identify and fulfill client needs and/or requests. If you become a really good photographer, you could even sell your photos on Shutterstock to make some extra cash.
12. Personal Trainer
Average Salary: $38,222
Prior Education: High school diploma or equivalent.
This career will most likely require that you are qualified to teach proper physical fitness techniques to clients. Many Personal Trainers have strong backgrounds in nutrition, exercise science, or other related fields.
This certificate is not very difficult to obtain; however, it is relatively cheaper compared to any other type of trade school mentioned above.
On-the-Job Training: Continual through updating or expanding one’s professional certifications.
Job Description: To be successful in this line of work you will most likely want to be a very physically active person yourself, as well as have a passion for this line of work.
A typical work day would include meeting one-on-one with clients to assess their physical fitness needs with the intent of designing an individualized training program.
Personal Trainers also motivate and encourage their clients to reach and even surpass their fitness goals. As a result, good personal and communication skills are a must.
Most Personal Trainers work at gyms, private workout facilities, or provide at-home or virtual coaching services. Some decide to work both inside and outside the home to help facilitate a higher income.
Also, you can try getting your Yoga certification.
13. Funeral Director
Average Salary: $56,850
Prior Education: Educational requirements range from a high school diploma or equivalent to an Associate’s or Bachelor’s degree in Funeral Service Education or related field. Internships are also encouraged.
On-the-Job Training: Licensure is required in the U.S. before taking on a Funeral Director position, and some states may require a certain level of education or the completion of an apprenticeship.
Job Description: You do need some training to become a Funeral Director and possibly certification, but you can eventually make as much as $80,000 a year.
A typical work day would include helping families organize funeral details and complete any corresponding paperwork, such as a death certificate.
Offering counseling to grieving family members and helping to prepare the deceased body for the funeral service are other common duties.
It is important that you be able to handle the macabre, and you do need to have tact and a warm personality since you are dealing with people in difficult situations. Make sure you can accommodate a flexible schedule since visitations and funerals are often on weekdays and weekends.
14. Commercial Pilot
Average Salary: $78,740
Prior Education: High school diploma or equivalent, but most airlines now require a Bachelor’s degree as a prerequisite for employment.
On-the-Job Training: Moderate to high training is involved. Often the first step is to get your private pilot’s license. You’ll get your flight hours up and be more comfortable in the cockpit.
Job Description: Commercial Pilots fly planes for very specific reasons, such as for rescue operations, aerial photography, aerial tours, or charter flights.
Pilots generally evaluate overall conditions of aircraft, communicate with air traffic control, and monitor engines and fuel consumption, among other routine tasks. Being a team player with strong communication and observational skills is also a plus.
You’ll be spending a considerable amount of time away from home, so make sure you aren’t too much of a homebody. Fatigue and jet lag may also be experienced often.
Excellent observational and communication skills prove quite beneficial in this field of work. You can easily make more than $50,000 if you get on as a commercial pilot at the right airline.
15. Truck Driving
Average Salary: $53,199
Prior Education: Typically a Commercial Drivers License (CDL) and/or high school diploma or equivalent is preferred.
On-the-Job Training: Drivers must complete several weeks of on-the-job training.
Job Description: After completing six to eight weeks of training and obtaining your commercial driver’s license, you can make $45,000. Work your way up to becoming a trainer, and you can clear more than $70,000 a year.
Maintaining a clean driving record is crucial. Truck Drivers must adhere to all traffic laws, ensure cargo is secure for transport, and keep all trucks and equipment in good working condition.
Hand-eye coordination, visual stamina, and mental focus are important qualities to have for this type of position.
To become a Truck Driver you need a Commercial Drivers License or CDL. I recommend using both a CDL Practice Test and CDL Test Answers to help you study up so you can pass.
16. Nuclear Power Reactor Operator
Average Salary: $72,384
Prior Education: A degree in a field like engineering is required by some nuclear power plants, but you do not need a college degree to land a lower level operator job. In some cases, all you need to do in some cases is to simply pass the certification test.
On-the-Job Training: Moderate to high training is required along with possible certification.
Job Description: Nuclear power reactor operators manage nuclear reactors, monitoring them and making adjustments as necessary to ensure the safety of the nuclear power production process.
They also have to perform routine maintenance on the reactors and shutdown on very specific systems. Because the job is quite risky and requires very careful attention to detail, it pays quite well.
It also helps to become efficient in the required computer technologies involved in nuclear power plants. Make sure you can handle shift work and long hours.
17. Fire Fighting
Average Salary: $49,080.
Prior Education: High school diploma or equivalent. Any prior training in emergency medical services is a plus.
On-the-Job Training: Completing a physically demanding training program is mandatory along with other certifications.
Job Description: The starting salary for a Firefighter is often just a little more than $30,000, but you can make more than $50,000 a year depending on where you work and whether you reach a supervisory position.
Firefighters must know how to use standard field equipment, such as hoses and ladders, become proficient at providing medical attention to injured victims, and properly handle coming in contact with hazardous materials or wildfires.
Depending on which state you work in, you may need to complete specific training programs, such as high-rise building rescues.
Being a firefighter is a very strenuous and dangerous occupation, and you often must work long shifts and over 40 hours per week. To help you get physically ready for firefighting duty, I recommend you check out Pass the Beep Test, a guide to help you prepare your body for firefighting.
18. Emergency Medical Technician (EMT)
Average Salary: $33,380
Prior Education: Typically a high school diploma or equivalent and cardiopulmonary resuscitation (CPR) certification is required. Completing a postsecondary educational program is common.
On-the-Job Training: Generally there is little to no on-the-job training, but completing levels of certification are more than likely required for most states.
Job Description: If you are about to take your EMT classes to become an EMT, you will be happy to learn that the job outlooks in this field are very promising. However, chances of having a good job in the EMS are given to those who have more EMT certifications (like paramedics).
EMTs are first responders in a medical emergency, assessing victims’ conditions and possibly transporting them to the hospital by ambulance. Often people’s lives are on the line when EMTs arrive on the scene.
The hourly wages can vary from $12.08 (10% of the workforce earns less than this) to $24.77 (10% earn more than this bracket). According to the Bureau of Labor Statistics, as of 2023 the median hourly wages of EMTs was at $17.76 per hour.
19. Railroad Jobs
Average Salary: $59,780
Prior Education: Typically a high school diploma or equivalent is required.
On-the-Job Training: Several months of moderate-level training is standard. Obtaining certifications may also be required.
Job Description: Do you like trains? Do you enjoy traveling? If so, a railroad job might be just for you.
A variety of positions are available, ranging from engineers and conductors to switch operators and management positions. Railroad jobs give you a chance to see new parts of the country while getting paid very well in the process.
Since trains operate every day of the week, expect to work nights, weekends, and holidays in all kinds of weather conditions.
Hand-eye coordination, visual acuity, and communication skills are valuable assets in this industry. If you’re looking at getting a railroad job, here’s a comprehensive guide that shares how to get a job in the railroad industry.
20. Medical Coder
Average Salary: $45,035
Prior Education: Typically a high school diploma or equivalent is required, while an Associate’s Degree is sometimes preferred.
On-the-Job Training: There is little to no on-the-job-training since specific training programs are generally completed as a prerequisite for employment. Completing certifications may also be required.
Job Description: The healthcare industry is currently booming, and you can expect it to continue to rise with the Baby Boomer generation getting older. There aren’t enough doctors and nurses available.
Behind all of the doctors is a team of medical coders typing up detailed reports on what procedures you had done and billing you or your insurance company the amount owed.
According to The American Academy of Professional Coders (AAPC)’s 2022 salary survey, on average medical coders without certification bring home approximately $47,200 per year. However, becoming certified as a Certified Professional Coder (CPC) is highly sought after to seek higher pay.
21. Information Technology (IT) Technician
Average Salary: $41,305
Prior Education: Associate’s degree, Bachelor’s degree, or certificate program in computer science or related field is typically preferred. A degree is usually not required to land an entry-level position.
On-the-Job Training: Little to no on-the-job training expected since some employers require that candidates complete some level of formal training as a prerequisite for employment.
Job Description: There are a number of career paths within information technology that do not require a college degree.
Starting out you’ll probably conduct support calls on a helpdesk and only make $11-13 per hour. As your skills and experience progress and you get more experience you can easily make $50,000 to $70,000 per year as you get into systems administration and network engineering.
Typically IT technicians diagnose and repair computer malfunctions and install and maintain network systems. Get started on your IT career path by getting some online computer training and certification.
22. Criminal Investigator
Average Salary: $58,582
Prior Education: High school diploma or equivalent.
Several years of prior experience in law enforcement is encouraged. Some employers do require a minimum of an Associate’s degree in Criminal Justice or related field.
On-the-Job Training: Moderate on-the-job training is expected. Most states do require standard licensure for criminal investigators, along with a license to carry an armed weapon.
Training typically involves learning how to properly gather information and conduct remote surveillance, among other routine tasks. Reconstructing accident scenes is also a field-specific skill learned.
Job Description: Criminal investigators are the individuals tasked with interviewing and collecting evidence for specific cases.
Depending on the case at hand, you may be performing background checks, verifying facts and statements, conducting surveillance, searching online records, or gathering information on persons of interest.
You may even need to testify in court or make a physical arrest. This job is fast-paced and often involves working odd hours, weekends, and holidays.
Important skills to have include resourcefulness, inquisitiveness, and integrity. Being able to stay cool, calm, and collected during criminal investigations is integral to performing well in this role.
23. Brick Mason
Average Salary: $42,900
Prior Education: High school diploma or equivalent. Many masons also complete extensive apprenticeship programs or specific coursework before employment.
Any previous experience as a construction laborer is acceptable.
On-the-Job Training: Learning the trade is often accomplished through completing apprenticeships and/or on-the-job training shadowing experienced masons.
In these apprenticeship programs, promising candidates learn standard masonry practices, such as construction basics, measurement calculations, and safety procedures.
Job Description: Generally a brick mason uses bricks to construct walls, fences, and other structures.
A typical work day would include reading blueprints, gathering required materials, cleaning surfaces with power tools, and lifting heavy materials for proper alignment.
Brick masons often work long hours in a fast-paced and strenuous environment where becoming injured on the job is common. Protective gear, such as safety glasses, should be worn at all times.
Construction deadlines must be met, so brick masons often work indoors and outdoors in all kinds of weather. Important skills to have for this role include hand-eye coordination, physical strength, and attention to detail.
24. Postal Service Worker
Average Salary: $57,260
Prior Education: High school diploma or equivalent. An excellent driving record is a must along with a clean track record.
On-the-Job Training: There is some short-term on-the-job training involved, including passing a written exam, road test, and other standard background checks.
Job Description: Postal service workers generally collect, sort, process, and distribute mail in a timely manner. It’s their responsibility to make sure mail is delivered seamlessly.
They also sell common postal products, such as stamps, and obtain any customer signatures for certified mail.
Important skills to have for this role include a strong focus on customer service and attention to detail.
25. Pharmacy Technician
Average Salary: $31,750
Prior Education: High school diploma or equivalent. Complete a postsecondary program in pharmacy technology before employment is acceptable.
On-the-Job Training: Moderate on-the-job training is required, which typically involves passing an exam or specialized program.
You may also need to learn how to operate automated dispensing equipment, and some states may require certification.
Job Description: Pharmacy technicians are responsible for correctly filling, packaging, and labeling customers’ or health professionals’ prescriptions.
You would also be involved in organizing inventory, processing insurance claims, and accurately entering patient information into a computer database.
Having excellent organizational, listening, and customer-service skills is highly valued for this role.
Pharmacy technicians may be required to work nights and some weekends. Make sure you are physically fit enough to spend most of the day on your feet fulfilling orders.
Is Attending College Overrated?
There’s one thing I know for sure – college is extremely expensive! As the College Board highlights in a recent survey outlining changes in college tuition between 2012-2013 and 2022-2023, tuition is on a steady upward climb that shows no signs of letting up.
In 2023, public four-year in-state tuition is $10,950 for full-time students. This was a 1.8% increase from the previous college year.
There are a vast amount of careers that you can obtain without an actual college degree, but most require either a trade school certification or just time on the job and working your way up through the ranks.
“Formal education will make you a living. Self education will make you a fortune.” – Jim Rohn
Looking for a job? Scared that the cause of unemployment may be growing? Sign up for free at www.FlexJobs.com and see who’s hiring today!
FAQs on High Paying Jobs with No Degree
Are there high paying jobs with no degree?
Yes, there are several types of jobs that do not require a college degree but can still offer competitive salaries. Some examples include web developers, software engineers, medical coders, sales professionals and IT support staff.
What qualifications do I need for these jobs?
What qualifications do I need for these jobs? The requirements for these types of positions vary depending on the job and company, but often include certifications or specialized training in the field you are interested in pursuing.
In addition to technical skills, employers are looking for individuals who demonstrate strong problem solving abilities, excellent communication skills and an understanding of customer service principles.
Q: What are some high paying jobs that don’t require a college degree?
Here are some examples of high paying jobs that don’t require a college degree:
-Commercial pilots: median salary of $121,430 per year -Detectives and criminal investigators: median salary of $81,920 per year -Nuclear power reactor operators: median salary of $94,350 per year -Power distributors and dispatchers: median salary of $83,020 per year -Real estate brokers: median salary of $61,720 per year -Elevator installers and repairers: median salary of $80,180 per year -Web developers: median salary of $73,760 per year -Petroleum engineers: median salary of $137,170 per year -Computer network architects: median salary of $112,690 per year -Medical and health services managers: median salary of $100,980 per year
Are there any high paying jobs that don’t require a college degree, but do require experience?
Yes, there are many high paying jobs that don’t require a college degree but do require experience. Some examples include:
-Commercial pilots: typically require several years of flight experience as a co-pilot before being considered for a pilot position. -Detectives and criminal investigators: typically require several years of experience in a related field, such as a police officer or federal agent. -Nuclear power reactor operators: require extensive on-the-job training and experience. -Real estate brokers: typically require several years of experience as a real estate agent before becoming a broker. -Petroleum engineers: typically require several years of experience in the oil and gas industry before being considered for a position as a petroleum engineer.
Bankruptcy doesnât clear most tax debt, but it can clear some. Income tax debt thatâs at least three years old may qualify if returns were filed honestly.
When you are comparing banks, you likely seek out the ones you know by name first. While that is, of course, just fine, you may want to keep your eyes up if you want something specific from your bank or lending institution, especially personal loans, savings accounts, and business accounts. BBVA is one of those […]
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