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It’s a strange time in the world. People are looking for new companionship, especially if they have become permanent remote workers. And everyone is also looking to save a little money. Those are two of the reasons for a recent boom in pet chicken ownership. The “urban chickening” trend has reached all corners. This has left many wondering if a pet chicken is right for me?

The fact is, chickens make wonderful pets and feathery friends. And you might even get to enjoy a trove of fresh eggs along with it. But they’re certainly a far cry from dogs and cats. Pet chickens aren’t for everyone, but if you like the idea, the rewards are many. “They’re cute. They’re fun to watch run around. They’re excited when we come home,” reports pet chicken owners Robert McMinn and Jules Corkery of Queens, NY. What makes this Astoria couple interesting is that they are raising their three hens inside their one-bedroom apartment.

So, can you have a chicken in an apartment? The answer is a wholehearted, yes. But to do so takes time, patience, expense, space and permission, as well as the ability to do so in your location and climate. It’s obviously easier to raise a chicken in an apartment if you have a dedicated outdoor space to house them full time. But what about indoors? Indoor chickens are known as “house chickens,” and this is what it takes to own one.

Are you allowed to keep a chicken in your apartment?

Before you even consider purchasing or otherwise acquiring a chicken, you need to find out if you can even have a chicken in your apartment. There are two forces at work to find out — from your landlord and from the government.

Ask your landlord

First, you’ll need to find out from your landlord if they allow chickens, or birds in general, in your lease. If you aren’t allowed pets at all, the answer is probably no. If your apartment is pet-friendly, read your lease to see if it spells out what kind of pets or what size.

If you’re still unsure, contact the landlord or property manager directly to ask. If it’s not expressly forbidden in your lease, you can make the argument to allow them. Additionally, if you rent a unit that’s part of a homeowner’s association, make sure it’s allowed by that entity, too.

Ask your local officials

If your landlord permits chickens, you also need to find out if it’s actually legal where you live. Unfortunately, rules about chicken-keeping vary from municipality to municipality. The first step is to research rules for raising chickens indoors online. This is a good source to begin with.

For more information or to confirm, contact your local county, township or city hall. Ask for the best person with whom to speak to find the legal answer. Before you make your purchase, make sure every entity — your state, your county, your town, township or city — agrees on the legality. It may also require a call to a zoning board or local health department. Be sure you’re researching indoor rules, specifically. If there’s no ordinance prohibiting it, then you’re allowed as long as you follow other regulations like noise and sanitation.

And be aware. Even if keeping chickens is legal, some ordinances require you to get your neighbors’ approval.

Should you have a chicken in your apartment?

Even if you can raise a chicken in your apartment, there’s a question if you should raise a chicken in your apartment. There are many people, from veterinarians to enthusiasts, who believe it’s not good for the chicken to be indoors in an apartment. In the end, only you can decide if you feel it’s humane in your particular situation.

Pros of urban chickening

If you plan on keeping a chicken as a pet (as opposed to as an egg-laying machine), they make wonderful companions. Chickens easily adapt to your lifestyle, especially if you acquire them as chicks. Indoor chickens get used to being around you and will bond with you. Like any pet, they can learn to interact with you. Many chickens will be quite comfortable curling up with you on the couch and watching TV.

But like any pet, the more they get used to their indoor pet lifestyle, the harder it will be to change. Once you raise a chicken as an indoor pet, it would be unkind to send it away to live outdoors. A typical chicken lives an average of 10 years. Be ready to make that decade-long commitment.

Even if you aren’t raising chickens to save money on eggs, it’s still going to happen if yours is a hen. A hen, if that’s your choice, will lay around 300 eggs a year when properly cared for. And yes, the eggs are perfectly fine to eat. And may even save you some money. As an added bonus, hens lay eggs with a hint of the taste of whatever they themselves eat. Giving your chicken table scraps to eat will make your eggs taste like that.

Cons of urban chickening

But remember, chickens, by their nature, are outdoor creatures. Of course, they can adapt to living indoors, but they can often treat your indoors like the outdoors. They’re dirty, smelly and cause messes. They can eat indoor plants and peck holes in your furniture or floor. And, even with precautions, they can and will poop almost anywhere. They require a lot of time and effort. It’s up to you to discern the ROI.

Many enthusiasts turn to chickens as an alternative to traditional pets. But if allergies are a consideration, it isn’t any better luck. While no, chickens don’t have fur, many people are allergic to feathers, dust and dander. Be sure no one in the apartment is allergic before pulling the trigger.

As well, if you already have a cat or dog in the house, consider not adding a chicken. Most house pets aren’t used to being around fowl. They may scare or even harm your indoor pet chicken. And just because chickens aren’t flying birds doesn’t mean they can’t fly. Be aware that many chickens can fly or jump up to 15 feet or so.

What breed is best for an apartment and how many?

There is, of course, no standard “chicken.” Like any pet, you have a variety of breeds to choose from. The friendliest breeds are often the most adaptive to living indoors. Many are known as “lap chickens” because they’ll get used to sitting right in your lap. Some of the best breeds for house chickens include:

  • Silkie
  • Barbu D’Uccle
  • Sultan
  • Cochin
  • Bantam
  • Buff Orpington
  • Salmon Faverolle
  • Cochin
  • Easter Egger
  • Polish

Silkies are docile, very friendly and act quite quirky. Barbus are fairly small, easy to carry around and can learn to sit on your shoulder. Sultans enjoy the indoors and are often described as sweet and warm.

But chickens are social creatures. They’re born to run in flocks. Keeping fellow chickens as social company is crucial. Experts and breeders suggest never raising a lone chicken. In fact, it’s generally recommended to keep three chickens from the chick stage. That’s often how they’re sold, as well. This is to ensure that if one passes, the other chickens will still have each other.

What do you need to keep a chicken indoors?

While chickens are naturally outdoor creatures, you can still raise a chicken in your apartment like a traditional pet. Indoor chickens are as fun and cuddly as having a dog or cat. They can eat and sleep indoors, and interact with you as you go about your day. But keeping a house chicken is expensive, messy and difficult.

And chickens will bond with you just like cats and dogs. Many feel chickens are aloof or even unintelligent, but they are loyal pets. Your best bet for this is to buy chicks very young. The more you imprint on them from a young age, the stronger the bond. And to keep them happy, give them the best living and feeding situation you can.

Your house chicken’s living area

It’s vital to give your indoor chicken an environment for them to thrive. And that starts with a living area similar to an outdoor coop.

You can buy a specialty cage for your chickens, or even repurpose an old doghouse. Your setup should have a coop, a run and a nest box. The coop should also have a roost, raised a foot to a foot-and-a-half off the ground, high enough to jump to and low enough if they fall. The run should have sawdust and straw as that will also be your chicken’s litter box.

Your chickens should never be confined to or denied access from the coop, but rather given free access to it unsupervised. Their home should have four or five square feet per chicken. If they’re too crowded, chickens have been known to cannibalize.

The entire setup should be in an area least disturbing to both you and them. Chickens enjoy taking “dust baths,” covering themselves in detritus from the run. So, it’s advisable to keep it away from kitchens and bedrooms. You must also decide if the chickens have access to your entire space, or only to certain areas.

And lastly, artificial sunlight is also key, just as it would be to incubate an egg. There are many appropriate indoor avian lamps available. This helps keep their vision sharp and allows their bodies to create proper hormones. Keep these where your chick can sunbathe in the light.

Keep your indoor chicken’s living space clean

Clean the living area between one and three times a week. Your chickens will learn this routine and keep away while you’re cleaning. When you clean, remove the feces, replace the litter (compostable is an excellent option) and wash the floors and sides of each surface as well as the feeders and waterers. Use non-toxic soap and hot water. Wash your hands thoroughly immediately after cleaning or touching any areas. Minimizing salmonella germ spread is an important concern.

And if you’re lucky enough to have an outdoor space like a yard, patio or porch, you can set up their living space outside. But again, the chickens must have free access to it at all times.

What to do with your chicken’s poop

For the most part, your chicken will do their business in the litter area of the coop and run you have set up. Chickens are not cats, and won’t naturally seek out the litter. You can potty train chickens to do so, but it’s not simple. How tame and smart enough your chicken is to do so will make a difference, and you’ll have had to build trust.

Litter box training takes time and patience. And in the meantime, there is a lot of poop to clean around the house. And even after training, accidents will occur, so be prepared.

Additionally, yes, chicken diapers do exist. But experts say diapers are not a permanent option, but only for timely convenience. And keep in mind, that hens lay eggs from the general area from which they poop, which means poopy eggs in poopy diapers. And that’s no fun for anyone.

Feeding your apartment chicken

Your chicken’s primary dietary item is fresh pellets as chicken feed. The makeup of pellets will change with your chicken’s age and life stage. Additionally, you’ll need to add “grit” to the chicken’s feed. Broken oyster shells and small stones in their food help them to digest.

As well, your chickens need 24-hour access to fresh drinking water. You may provide this in a retail chicken waterer. It’s also recommended to add commercial poultry vitamins to the water.

Like any animal and any pet, chickens also love treats. Some favorites include dried mealworms, peeled and cored apples, alfalfa and plain yogurt. But every chicken’s favorite is corn. This is the recommended reward for chicken training. And chickens also love table scraps. Suggestions include pasta, green vegetables, dry cereals, raisins and bananas.

But be judicious with treats, especially ones high in fat. An overweight chicken can become sick very quickly. They will also produce low-quality eggs.

Getting your chicken outdoor time

So, you have decided having a house chicken indoors is the right choice for you. But to make sure it’s the right choice for them, too, your chicken must have significant outdoor time. Chickens, as mentioned, are outdoor creatures, and they won’t thrive stuck indoors.

Chickens thrive when given time to forage in a yard or in a park. If they start trying to eat bits of carpet or other non-food items around your house, that’s a sign they need more outside time. “They need to give themselves dust baths, which kills any body parasites and keeps them clean. It’s important for chickens to be able to scratch in the Earth for bugs, grubs, worms, etc.,” says Owen Taylor, city farms manager at Just Food.

Make time in your schedule for you and your chicken to take a walk outside every day. Possibly several times a day. Chickens need access to the outdoors, sunshine and grass as often as possible. It’s not required they run free in an enclosed area. You can even take them for a walk like a dog. Just be sure to purchase a chicken harness and avoid traffic areas.

Welcome to urban chickening

The answer to the question “Can you have a chicken in an apartment?” full-time indoors is yes. But the more important question is “should you?” That’s a decision you have to make dependent on your budget, time, patience, space, situation and permissions.

You’ll need to do significant prep and research before you jump into the world of indoor urban chickening. Read every website you can. Talk to breeders and fellow enthusiasts. And read up in books like “The Chicken Health Handbook.”

And if every light seems green, proceed cautiously, and enjoy getting to know and bond with your new house chickens. If you’re looking for a pet-friendly apartment in your city, be sure to peruse the listings at Rent..

Source: rent.com

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The tenant screening process is stressful, but you need to know that the people living in your properties can cover their monthly rent. If they can’t and a breach of contract leads to eviction, it’s a traumatic and emotional event for both you and the tenant. And, it’s definitely a costly headache for you. Evictions can cost a landlord many thousands of dollars in legal fees and court costs, lost rent, property turnover costs, etc. For the screening process, you’ll need to know how to verify employment, as well as do a full background and credit check. Knowing a would-be tenant’s income means you’ll see if they can afford their monthly rent. A traditional rule of thumb is to calculate that their rent would be 30 percent or less of their gross monthly income.

Keep in mind that in high-rent markets like San Francisco or New York City, this rule is difficult to follow. In fact, a Harvard Joint Center paper on housing affordability found that the number of renters paying more than 30 percent of their gross income on rent comprises more than half of all renters.

Your ultimate goal with income verification is just to see that the prospect has a steady source of income and will likely pay the rent in full and on time.

How to get started verifying a prospective tenant’s income

You could either ask for documentation or call a prospective tenant’s employer to verify income. But it’s worth your while to do both. For one, employers are not obligated to answer your questions. They may choose not to respond for legal reasons or to protect themselves from a possible breach of employee privacy.

You should do the employment verification once the rental application is completely filled out and you can see the self-reported income, at least, is going to cover monthly fees. Do the verification before heading into a background check in case there are any red flags. If there are, you might skip the background check and save yourself some time and money.

What to ask if you call your prospective tenant’s employer

First, make sure the tenant has given you the name of the correct person to contact. In a larger company, it’s likely the human resources department or payroll. You might take a quick check on the company website to make sure. In a smaller company, you might just speak with a direct supervisor. In some cases, there will be a specific phone number or email address for information on who handles employment verification.

Once you introduce yourself to the person on the phone let them know who you’re calling about and why you need the following information: job title/what the person does for the company, date of hire, employment status, salary. Be sure to document the name and contact information of the person you ultimately receive the information from. In fact, you should document the entire screening process by keeping all your notes and emails.

Note that some employers may only acknowledge employment status and dates of employment.

What documents will verify employment?

Pay stubs are the most common proof-of-income document. Ask to see several months since many people get paid twice a month. But there are other documents that a prospective tenant may use to prove income:

Income statement

People who work for an employer can verify their income by showing a W-2, which is the federal government’s form for showing wages and taxes. Self-employed people (freelancers and contract workers) will have 1099-Misc or 1099-NEC (non-employee compensation) statements. From these, you can glean how much pay your prospective received by various clients, which will give insight into monthly or yearly income.

Employer letter

You can ask a prospective tenant to send you a salary verification letter written and signed by his or her employer. It’s possible that the prospect could fake a salary verification letter. Require a work phone number and relevant employer contact information.

Social Security benefits statement

If a prospective tenant is on Supplemental Security Income (SSI) or receives disability payments, you can ask to see a benefit verification letter from the Social Security Administration.

Worker’s compensation letter

Perhaps a tenant receives income from a current or previous employer because they suffered an injury on the job. While you can see the tenant has steady wages, keep in mind this form of compensation is likely short-term.

Unemployment statement

Yes, this does prove income, but just as with worker’s compensation, it will likely end after a certain amount of time.

Bonus and incentive payments

If your renter has a commission-based job, he or she may receive bonus checks periodically. While their income may seem inconsistent, look at their income over time to see if they will be able to pay the rent each month.

Income tax returns

Looking at a return will show you how much your renter earns regardless of whether they’re a salaried employee or have 1099 compensation.

Bank statements

While this may seem intrusive, this form of income verification works well for a tenant who’s self-employed. You’ll be able to see monthly income deposits, which can help you determine if the person can afford the unit.

How can I tell if a prospective tenant is not being honest about employment verification?

It’s possible that a would-be tenant might give you a fake reference. They may have someone offer false employment verification. Or, they may even create fake wage statements.

Look closely at all the documents you’re given. For example, fake income statements may have all-around numbers, something that’s atypical. Look for typos, and these documents should look professional and not messy. Check that the letter “O” hasn’t been used for the number “0″ and vice versa. Make sure the Social Security numbers match. And, of course, verify the information on the document with the employer.

Verification is good for all

Knowing how to verify employment of a prospective tenant’s income is just one element in your arsenal as you prepare to allow someone to rent your property.

Checking a would-be tenant’s background and making sure they can afford the monthly payments is important for you as a landlord, as well as for the tenant. A tenant buried by rental payments can lead to all sorts of headaches.

Stacey Freed is an award-winning writer and former senior editor for Remodeling, a trade publication focused on the business of the remodeling and construction industry. As an independent writer, she continues to write about the building, design, architecture and housing industries. Her work has appeared in Better Homes and Gardens and USA Today special interest publications, Realtor magazine, This Old House, Professional Builder and online at AARP, Forbes.com, House Logic and Sweeten.com among other places.

Source: rent.com

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Airline credit cards are credit cards that are used by frequent flyers for their airline-specific perks. They are provided by card issuers, working jointly with a particular airline to reward their customers for both their loyalty and for paying for their travel and other expenses using the card.

With airline credit cards, you earn a certain number of miles for the amount you spend on the carrier and other qualifying services. You can then redeem your rewards to book flights, pay for services, or make eligible travel purchases. 

Various airline credit cards vary in the perks they offer, as well as in fees and costs. This means that not every airline credit card is suited for every traveler. Also, not every traveler will benefit from airline credit cards.

That said, you can make a better decision by comparing the pros and cons of airline credit cards. 

The Pros of Airline Credit Cards

Attractive Sign-up Bonuses

Most airline credit cards come with attractive welcome bonuses, some of which are large enough to pay for a flight. It is worth noting that you gain the bonus after meeting certain requirements- usually spending a certain amount of money within a specific time of account opening or opening a new credit account.

Hassle-free Way to Earn Miles

As a frequent flyer, airline credit cards provide an avenue for you to earn rewards while doing what you would be doing anyway.

Money-Saving Perks

These will vary from one airline card to another and may include free or discounted checked luggage, lounge access, in-flight foods and drinks, companion passes, and upgraded services.

Priority Boarding and Seat Upgrades

If when you board and where you seat during the flight matters to you, certain airline credit cards give you just that; an opportunity to not only be among the first to board but also get a seat upgrade.

Rewards on Non-travel Related Categories

Some airline credit cards can earn you bonus rewards on your other spending areas, like hotel bookings, which helps maximize your earnings. In addition, this feature helps to not only accumulate your miles but also keep them from expiring should you halt your traveling for some time.

Travel Support and Protection

Certain airline credit cards will offer coverage in situations like flight delays or cancellation, trip interruptions, lost luggage, rental car accidents, and access to medical care.

The Cons of Airline Credit Cards

Limited to one Airline

As their name suggests, airline credit cards limit you to one carrier and in some instances, its partner airlines. This can further complicate the reward redemption process due to competition-you may not always redeem your rewards for what you want from what the reward program offers or get flexibility with travel dates.

Limited Opportunities to Earn Rewards

This is especially so if you end up with cards that only offer rewards on airline/travel-related purchases and none on everyday spending.

Hefty Annual Fees

Annual fees for airline credit cards can be anything from a few dollars shy of a $100 to amounts over $500. The more the perks you stand to get the higher the fees. If your rewards exceed the fees, then the credit cards are worth it, otherwise they are an unnecessary expense.

Reward Programs can be Devalued

Airlines can devalue their programs or do away with them at their discretion as has happened with many airlines before. With the limitation of a single airline, there’s no guarantee that your earned miles will be useful.

Are Airline Credit Cards a Good Idea?

You could benefit from an airline credit card if you:

  • Fly often
  • Always or mostly use the same airline
  • Have good credit and can pay off your credit card balances on time

If most of the above doesn’t apply to you, then you are better off without airline credit cards.

The Final Take

It is apparent that airline credit cards can be a good or bad idea depending on your flying habits. Admittedly, they are only a worthy investment if the value you draw from them outweighs the associated expenses. Where do you lie? The above information can help you figure that out.

Source: creditabsolute.com

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A physician assistant (PA) is a medical professional who handles a variety of key responsibilities. According to the American Academy of Physician Assistants, these include:

•   Diagnosing illnesses
•   Developing and overseeing treatment plans
•   Prescribing medications
•   Serving as the principal healthcare provider for many patients

Gaining the skills necessary to take on these medical responsibilities involves a master’s degree level of education, as well as:

•   A bachelor’s degree
•   Courses in basic and behavioral sciences as prerequisites
•   An average of 3,000+ hours of direct patient contact
•   More than 2,000 hours of clinical rotations (beyond classroom instruction)

With all of those educational requirements, it’s natural to wonder about the physician assistant program cost.

PA Program Cost

The Physician Assistant Life collated information from these three key resources to arrive at average costs for the 2023-2024 application cycle: the American Academy of Physician Assistants (AAPA), The Physician Assistant Education Association (PAEA), and a recent NCCPA Statistical Report. What they found:

•   The average cost of a 27-month resident PA program (including public and private) is $95,165.
•   The average cost of a 27-month PA program (including public and private) for nonresident students is $103,660.
•   The average total resident tuition and nonresident tuition were higher for PA programs from private institutions than for those from public institutions.
•   There was a 4% to 7% increase in the average total resident tuition for public and private institutions.
💡 Quick Tip: When shopping for a private student loan lender, look for benefits that help lower your monthly payment.

Paying Physician Assistant Program Costs

After making the decision to become a physician assistant, it then becomes time to figure out how to pay for the PA program.

By the time someone reaches this point in their education, they are probably already aware of the Free Application for Federal Student Aid (FAFSA®) process that allows them to be considered for federal student aid. Often (but not always), by the time that someone is ready to fill out the FAFSA for PA school, they will be considered an independent student, someone who no longer needs to include parental financial information in the application.

Federal Student Aid

The results of the FAFSA application will determine eligibility for federal aid including:

•   Federal student loans
•   Federal grants
•   Federal work-study options

Federal loans can be a popular way to pay physician assistant program costs for several reasons, including the fact that payments:

•   Can be deferred until after graduation
•   Can sometimes qualify a student for tax deductions
•   May come with the potential for loan forgiveness

The types of federal loans available for graduate students are slightly different from those available to undergraduate students. The borrowing ceiling is higher but interest rates typically are as well. PA students may qualify for a Direct PLUS Loan if enrolled at least half time without any adverse credit history.

Federal Grants and Work Study Programs

Federal grants don’t need to be repaid. Here is a list of federal grants , their program details, and the amount that can be awarded.

PA students may also be eligible for work-study based on the FAFSA. Typically, students need to apply for these jobs, often ones at the university. Besides helping PA students to earn money, these jobs could be in the medical field, which can help students gain valuable experience.

University Help

Students can check to see what grants, scholarships, and/or fellowships their university offers by contacting the financial aid office. Some institutions use the FAFSA information to determine eligibility, while others have their own applications. Awards can range from a small grant to the amount of the full tuition. Check out deadlines for school-specific financial aid to meet them successfully.

More About Grants and Fellowships

Scholarships are available through the federal government, as well as through states, non-profit agencies, organizations, companies, and more. In general, these are merit based and don’t require repayment. (By contrast, grants are typically need-based.)

There are numerous grants and scholarships that are specifically designed to help with PA program costs. As just one example, the Physician Assistant Foundation has provided more than $2.3 million in scholarships to more than 1,400 future PAs. Requirements include:

•   Being a student member of the American Academy of Physician Assistants (AAPA)
•   Attending a PA program that is ARC-PA-accredited
•   Completing at least one quarter or semester in PA studies
•   Being in good standing, academically
•   Being enrolled in a PA program during the application cycle

Grants to cover PA program costs can get more niche, such as Association of Physician Assistants in Oncology’s APAO Student Scholarship . Requirements include:

•   Being an APPA member or applicant who is in the last year of an ARC-PA-accredited program
•   Being in the clinical phase, having already completed or nearly completed basic science courses
•   Not receiving a PA Foundation or other specialty organization scholarship
•   Having a strong interest in the oncology field; clinical rotation in an oncology speciality is strong encouraged
•   Having a minimum GPA of 3.0

As another example, Physician Assistants Orthopaedic Surgery, Inc. offers the annual Susan Lindahl Memorial Scholarship , providing four $5,000 scholarships each year.

Members of the National Guard may qualify for the Medical Professional Officer Accession Bonus (OAB). To find state scholarships and grants, contact the appropriate state’s Department of Education . If a parent died in Iraq or Afghanistan while in military service, a federal grant may be available.

There are also state-specific PA scholarships, such as those offered by the California Academy of Physician Assistants (CAPA). Student members of CAPA can be eligible for one of five different $2,000 scholarships.

It may help to look for opportunities from where the student’s bachelor’s degree was obtained. For example, if you are a member of a fraternity or sorority, there may be scholarships available to cover PA program costs.

In addition, student athletes who attended an NCAA institution could qualify for the NCAA Postgraduate Scholarship , with up to 126 of them awarded each year. Student-athletes must excel both academically and athletically and be in at least the last year of intercollegiate-level competition. Non-renewable scholarships of $10,000 are provided three times annually (corresponding with sports seasons of fall, winter, and spring) with 21 available for women and 21 for men during each sports season.

Fellowships

Graduate fellowships usually require that a student study, work, or research in the PA field, which means that they can gain useful experience while also earning money for the physician assistant program costs.

To find opportunities, talk to your university’s financial aid department or reach out to non-profit agencies connected to the PA field. The application process can be rigorous but can also be quite worthwhile.

Additional Ideas to Consider

When determining what PA school will cost, you’ll want to factor in any federal funding options (loans, grants, and scholarships), university help, and other grants, scholarships, and fellowships you may be eligible for. You’ll next need to consider what, if any, gaps in funding are left.

Ways to cover that gap can include employer tuition reimbursement, becoming an in-state resident, becoming a resident advisor (RA), working as a teaching assistant (TA), and private student loans. Here’s a closer look at each.

Employer Tuition Reimbursement

Some employers reimburse employees for a certain part of their education costs. It can be worth checking what is available, how to apply, and what constraints might exist. A company might, for example, only reimburse funds for certain degrees or they may require that a student receiving reimbursement stay at the company for a predetermined amount of time.

Some employers may provide employees with professional development funding. If so, you may want to find out whether this be used towards PA program costs.

In-State Resident

You can often save a significant sum of money by attending a public university in the state where you live. Each state determines residency in different ways. So if you’re thinking about relocating to take advantage of in-state residency savings, check to see what residency requirements are. Some states mandate one year of full-time residency while others may require three.

Resident Advisor

RAs help new students get settled into dorm life and are compensated for their work. This usually includes part, if not all, of their room and board; perhaps a meal plan; and sometimes a reduction in tuition. Plus, RAs typically can get their own room, which can make studying easier (although this job does come with plenty of responsibilities and interruptions). How much an RA is compensated varies by university.

Teacher Assistant

This can involve prep work for teaching, organizing lab work, conducting research, grading papers, and more. Payment can come in the form of reduced tuition or a stipend. Besides helping with PA program costs, being a teaching assistant can provide experience in the field and allow students to network with industry experts.
💡 Quick Tip: Need a private student loan to cover your school bills? Because approval for a private student loan is based on creditworthiness, a cosigner may help a student get loan approval and a lower rate.

Private Student Loans

If additional funds are needed, private graduate student loans can help. Private student loans are available through private lenders, including banks, credit unions, and online lenders. Rates and terms vary, depending on the lender. Generally, borrowers (or cosigners) who have strong credit qualify for the lowest rates.

Keep in mind, though, that private loans may not offer the borrower protections — like income-based repayment plans and deferment or forbearance — that automatically come with federal student loans. But if you are looking for supplemental funding for your PA program, private student loans may be worth looking into.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.


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SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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SOIS0823022

Source: sofi.com