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Michele Findeis, a mother of four, is helping her three oldest children pay for their undergraduate degrees—in addition to repaying her own student debt. “In total, the four of us currently have $297,500 in student loan debt, and my son is only a freshman in high school," Findeis said.


According to our parent student loan survey, many parents are in similar situations. Among parents who borrowed for a child's college education, 55% reported that their student debt totaled $40,000 or more.

As a parent with your own student debt, your loans pose their own challenges. Your student loan payments eat into your monthly cash flow and leave less room in your budget for college costs.

Dealing with both money priorities can feel overwhelming, but learning and taking action can make a difference. Here's a look at the reality of managing your student debt while figuring out how to help your child save or pay for college, along with some strategies for dealing with both.

How to save or pay for college when you have student debt

1. Adjust federal student loan payments

If your debt is in the form of federal student loans, you likely can adjust your payments and free up cash each month to cover educational expenses.

You could switch to an income-driven repayment plan, an Extended Repayment Plan or a Graduated Repayment Plan to make your monthly payments more manageable.

2. Refinance high-interest or private student loans

You also have the option to lower your monthly payments for private student loans, but the process is different.

Instead of changing your repayment plan, you'll need to refinance your private student loans. That'll give you the chance to create a new loan with new terms — and lower monthly payments.

Take a close look at refinancing both federal and private student loans that carry high- interest rates. With good credit and a higher income (usually $50,00 to $60,000 or more), you can qualify for great rates on your refinanced student loan.

Refinancing could lower your interest charges, which means more of your money could go toward paying off your student debt or finding out how to help your child pay for college.

Findeis, for example, took advantage of student loan refinancing to get a 4.00% interest rate on her debt. She also chose a longer repayment period, which helped lower her student loan payments to just $225 per month.

3. Make extra payments on your student loans

Findeis is also making $200 in extra student loan payments each month. That's “with the intention of making my final loan payment when my son graduates from high school in June 2021, 19 years after I graduated from college," she said.

By making those extra payments, Findeis will free up $425 per month. See if you have low-balance student loans you could knock out before your child is in college. You'll free up the payment to increase your monthly cash flow and avoid interest charges.

4. Choose an affordable college

As a parent, you play a huge role in guiding your child to make wise college decisions, and that starts with discussing the financial realities of attending college and repaying student debt.

By encouraging your child to choose an affordable college that matches their academic and career goals, you can greatly limit both your student debt and your need to take out parent student loans.

Highlight the great value of attending an in-state public college (even better if they can live with you rent-free). You might even suggest attending a community college for the first two years, which saves students $11,377 on average.

5. Get free college funds or credits

One of the best ways to pay for college is to get someone else to do it. Parents and students should devote time and energy to finding free money for college:

  • Complete and submit a Free Application for Federal Student Aid.This is your ticket to qualifying for federal student aid such as Pell Grants and federal student loans. Many colleges also use FAFSA information to evaluate students for scholarships and other forms of assistance.
  • Find and apply for as many scholarships as possible. Many organizations, including Student Loan Hero, offer scholarships to help you pay for college.
  • Look for ways to earn free or cheap college credits. “Knowing what I know now, I am encouraging [my son] to take at least four AP classes during high school so he has one semester of credits complete before he graduates," Findeis said. You also can look into dual-enrollment programs for your child or have them earn credits through the College-Level Examination Program.

6. Shop for the best student loans

Ultimately, there probably will be some college costs you can't cover with cash, savings, or scholarships. As you look for additional ways to pay for college, student loans can fill the gap.

“Shop for the best interest rate!" Findeis advised. “One of my daughters took a loan as a freshman for $30,000, and the balance to repay was over $40,000 when she graduated because the interest rate is 12.125%."

Compare all forms of student loans available to you to find the most cost-effective ways to pay for college. Borrow through the most affordable options first, which often are Direct Subsidized Loans or Direct Unsubsidized Loans with interest rates of 4.45% for the 2017-18 academic school year.

If Direct Loans won't cover everything, start comparing federal Parent PLUS Loans to private student loans.

Also, consider cosigning a private student loan with your child or taking out private parent student loans in your name. If you're well-qualified, you often can get rate offers that beat the costs of Parent PLUS Loans.

“Do what you can to not allow interest to accrue," Findeis suggested. “Make interest payments while your child is in school and try to pay small loans off completely."

Originally posted on Student Loan Hero.

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When you become a parent for the first time, there is an undeniably steep learning curve. Add to that the struggle of sorting through fact and fiction when it comes to advice and—whew—it's enough to make you more tired than you already are with that newborn in the house.

Just like those childhood games of telephone when one statement would get twisted by the time it was told a dozen times, there are many parenting misconceptions that still tend to get traction. This is especially true with myths about bottle-feeding—something that the majority of parents will do during their baby's infancy, either exclusively or occasionally.

Here's what you really need to know about bottle-feeding facts versus fiction.

1. Myth: Babies are fine taking any bottle

Not all bottles are created equally. Many parents experience anxiety when it seems their infant rejects all bottles, which is especially nerve wracking if a breastfeeding mom is preparing to return to work. However, it's often a matter of giving the baby some time to warm up to the new feeding method, says Katie Ferraro, a registered dietician, infant feeding specialist and associate professor of nutrition at the University of California San Francisco graduate School of Nursing.

"For mothers returning to work, if you're breastfeeding but trying to transition to bottle[s], try to give yourself a two- to four-week trial window to experiment with bottle feeding," says Ferraro.

2. Myth: You either use breast milk or formula

So often, the question of whether a parent is using formula or breastfeeding is presented exclusively as one or the other. In reality, many babies are combo-fed—meaning they have formula sometimes, breast milk other times.

The advantage with mixed feeding is the babies still get the benefits of breast milk while parents can ensure the overall nutritional and caloric needs are met through formula, says Ferraro.

3. Myth: Cleaning bottles is a lot of work

For parents looking for simplification in their lives (meaning, all of us), cleaning bottles day after day can sound daunting. But, really, it doesn't require much more effort than you are already used to doing with the dishes each night: With bottles that are safe for the top rack of the dishwasher, cleaning them is as easy as letting the machine work for you.

For added confidence in the sanitization, Dr. Brown's offers an incredibly helpful microwavable steam sterilizer that effectively kills all household bacteria on up to four bottles at a time. (Not to mention it can also be used on pacifiers, sippy cups and more.)

4. Myth: Bottle-feeding causes colic

One of the leading theories on what causes colic is indigestion, which can be caused by baby getting air bubbles while bottle feeding. However, Dr. Brown's bottles are the only bottles in the market that are actually clinically proven to reduce colic thanks to an ingenious internal vent system that eliminates negative pressure and air bubbles.

5. Myth: Bottles are all you can use for the first year

By the time your baby is six months old (way to go!), they may be ready to begin using a sippy cup. Explains Ferraro, "Even though they don't need water or additional liquids at this point, it is a feeding milestone that helps promote independent eating and even speech development."

With a complete line of products to see you from newborn feeding to solo sippy cups, Dr. Brown's does its part to make these new transitions less daunting. And, for new parents, that truly is priceless.

This article was sponsored by Dr. Brown's. Thank you for supporting the brands that support Motherly and mamas.

Toxic masculinity is having a cultural moment. Or rather, the idea that masculinity doesn't have to be toxic is having one.

For parents who are trying to raise kind boys who will grow into compassionate men, the American Psychological Association's recent assertion that "traditional masculinity ideology" is bad for boys' well-being is concerning because our kids are exposed to that ideology every day when they walk out of then house or turn on the TV or the iPad.

That's why a new viral ad campaign from Gillette is so inspiring—it proves society already recognizes the problems the APA pointed out, and change is possible.

We Believe: The Best Men Can Be | Gillette (Short Film) youtu.be

Gillette's new ad campaign references the "Me Too" movement as a narrator explains that "something finally changed, and there will be no going back."

If may seem like something as commercial as a marketing campaign for toiletries can't make a difference in changing the way society pressures influence kids, but it's been more than a decade since Dove first launched its Campaign for Real Beauty, and while the campaign isn't without criticism, it was successful in elevating some of the body-image pressure on girls but ushering in an era of body-positive, inclusive marketing.

Dove's campaign captured a mainstream audience at a time when the APA's "Guidelines for Psychological Practice with Girls and Women" were warning psychologists about how "unrealistic media images of girls and women" were negatively impacting the self-esteem of the next generation.

Similarly, the Gillette campaign addresses some of the issues the APA raises in its newly released "Guidelines for the Psychological Practice with Boys and Men."

According to the APA, "Traditional masculinity ideology has been shown to limit males' psychological development, constrain their behavior, result in gender role strain and gender role conflict and negatively influence mental health and physical health."

The report's authors define that ideology as "a particular constellation of standards that have held sway over large segments of the population, including: anti-femininity, achievement, eschewal of the appearance of weakness, and adventure, risk, and violence."

The APA worries that society is rewarding men who adhere to "sexist ideologies designed to maintain male power that also restrict men's ability to function adaptively."

That basically sounds like the recipe for Me Too, which is of course its own cultural movement.

Savvy marketers at Gillette may be trying to harness the power of that movement, but that's not entirely a bad thing. On its website, Gillette states that it created the campaign (called "The Best a Man Can Be," a play on the old Gillette tagline "The Best a Man Can Get") because it "acknowledge that brands, like ours, play a role in influencing culture."

Gillette's not wrong. We know that advertising has a huge impact on our kids. The average kid in America sees anywhere from 13,000 to 30,000 commercials on TV each year, according to the American Academy of Paediatrics, and that's not even counting YouTube ads, the posters at the bus stop and everything else.

That's why Gillette's take makes sense from a marketing perspective and a social one. "As a company that encourages men to be their best, we have a responsibility to make sure we are promoting positive, attainable, inclusive and healthy versions of what it means to be a man," the company states.

What does that mean?

It means taking a stance against homophobia, bullying and sexual harassment and that harmful, catch-all-phrase that gives too many young men a pass to engage in behavior that hurts others and themselves: "Boys will be boys."

Gillette states that "by holding each other accountable, eliminating excuses for bad behavior, and supporting a new generation working toward their personal 'best,' we can help create positive change that will matter for years to come."

Of course, it's not enough for razor marketers to do this. Boys need support from parents, teachers, coaches and peers to be resilient to the pressures of toxic masculinity.

When this happens, when boys are taught that strength doesn't mean overpowering others and that they can be successful while still being compassionate, the APA says we will "reduce the high rates of problems boys and men face and act out in their lives such as aggression, violence, substance abuse, and suicide."

This is a conversation worth having and 2019 is the year to do it.

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Teaching a young child good behavior seems like it should be easy and intuitive when, in reality, it can be a major challenge. When put to the test, it's not as easy as you might think to dole out effective discipline, especially if you have a strong-willed child.

As young children develop independence and learn more about themselves in relation to others and their environment, they can easily grow frustrated when they don't always know how to communicate their feelings or how to think and act rationally.

It's crucial that parents recognize these limitations and also set up rules to protect your child and those they encounter. These rules, including a parent's or caregiver's follow-up actions, allow your child to learn and develop a better understanding of what is (and what is not) appropriate behavior.

Here are a few key ways to correct negative behavior in an efficient way:

1. Use positive reinforcement.

Whenever possible, look to deliver specific and positive praise when a child engages in good behavior or if you catch them in an act of kindness. Always focus on the positive things they are doing so that they are more apt to recreate those behaviors. This will help them start to learn the difference between good and poor behavior.

2. Be simple and direct.

Though this seems like a no-brainer, focus your child using constructive feedback versus what not to do or where they went wrong. Give reasons and explanations for rules, as best as you can for their age group.

For example, if you're teaching them to be gentle with your pet, demonstrate the correct motions and tell your child, "We're gentle when we pet the cat like this so that we don't hurt them," versus, "Don't pull on her tail!"

3. Re-think the "time out."

Many classrooms are starting to have cozy nooks where children are encouraged to have alone time when they may feel out of control. In lieu of punishment, sending a child to a "feel-good" area removes them from a situation that's causing distress. This provides much-needed comfort and allows for the problem-solving process to start on its own.

4. Use 'no' sparingly.

When a word is repeated over and over, it begins to lose meaning. There are better ways to discipline your child than saying "no." Think about replaying the message in a different way to increase the chances of your child taking note. Rather than shouting, "No, stop that!" when your toddler is flinging food at dinnertime, it's more productive to use encouraging words that prompt better behavior, such as, "Food is for eating, what are we supposed to do when we're sitting at the dinner table?" This encourages them to consider their behavior.

The above methods help create teachable moments by providing opportunities for development while making sure the child feels safe and cared for. It is important to mirror these discipline techniques at home and communicate often with your child care providers so that you're always on the same page.

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To the mamas awake in the middle of the night,

If you are one of the many moms with a little darling who doesn't sleep through the night, I feel your pain. I really do.

Having been blessed with two wonderful sleepers (aka my first and second babies), my third baby has been a shock to my system. He hasn't slept through the night since he was born and he's now 16 months. I do everything "right." I put him down sleepy but awake so he can settle himself to sleep. I keep the room dark and quiet.

But one simple fact remains: When my son wakes up in the night, he wants me. And he'll scream the house down if he doesn't get me.

Last night my 1-year-old woke at 3:30 am. He was stirring a bit at first, then started to really let it rip, so I got him up out of his crib and brought him into bed with me. We cuddled for a while. Then suddenly, he wanted to get off the bed and I said no. Then he started to scream and throw himself around on the bed before eventually being sick everywhere.

It was now 4:30 am. I dutifully changed the sheets, changed my son, changed myself, and then we climbed back into bed, the smell of vomit still lingering.

I tried to put him back in his crib around 5 am but he woke right up. I brought him back into bed with me, but quickly realized this wasn't what he wanted either. He was thrashing around again, trying to figure out a way off of the bed.

Finally, close to 6 am he decided he wanted to go to sleep. After about 10 minutes of watching him sleep, I felt brave enough to try to put him back in his room. I gently lifted him up, placed him in his crib and quietly crept back into my bed.

This left me with just enough time to fall back into a deep sleep, which meant I felt exhausted when my alarm went off just after 7 am.

Sadly, last night wasn't a one-off. This is a fairly frequent occurrence for me (although dealing with vomit is luckily quite rare!). Which means that when I say I understand what it's like to have a baby who doesn't sleep, I really mean it.

So here's what I want you to know, mama.

If you are awake in the night because your baby needs you then you are not alone. Despite what you might read, it's common for babies to wake up through the night. So if you're sitting in bed feeling like you're the only mother in the world awake, trust me, you're far from it.

There are mamas like us all over the world. Sitting there in the dark. Cuddling babies or soothing them to sleep again. Some, like me, might be changing sheets or abandoning any hope of getting sleep that night at all. Others might be up and down like a yo-yo every few hours. The rest might just be up once and then will be able to go back to sleep.

There will, however, also be mamas who are sound asleep. Mamas who have older children who no longer wake in the night. And they would want you to know that it will be okay. It won't be forever. One day, you'll realize that your baby no longer needs or wants you in the night.

And while you'll be so glad for your sleep you'll probably also be a little sad that there are no more night time cuddles.

It's hard to cope with a baby who doesn't sleep well at night. Really hard sometimes. You may feel like you can't deal with it anymore or you may be wishing that this phase would just stop already so you can get some rest.

Exhaustion often means that you struggle to get through the day. It can mean that you find it hard to drag yourself out of bed. Or if you're anything like me, you might be irritable and snap at the people you love. Or maybe it means relying on caffeine, sugar and Netflix to get you and your kiddos through the day.

But here's the amazing thing about mothers—no matter what has gone down during the night, we get up as usual. We go about our day just like everyone else. We care for and love our children, without giving them a hard time for disrupting our sleep. We don't moan, we don't complain. We just get on with it.

And when night comes, we go to bed knowing that there's every chance we'll be awake in the middle of the night again...

We get up without fail when our babies need us and we do what we need to do for them. Because we are the nighttime warriors. We are mamas.

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No one decides to be a stay-at-home mom for the paycheck—but if we were to earn one, it would put us in league with some CEOs. Although it doesn't do much for the bank account, a survey that calculated what the average salary would be for a stay-at-home mom is mighty validating. (Remember this next time anyone asks what you do all day.)

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