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By Amy Solomon; et al

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Example text

Most credit card companies charge a high interest rate, which often means individuals struggle just to make the minimum payment. In this situation, getting ahead financially becomes difficult. If high credit card bills become an issue, consider taking the following steps: ◗ Stop using credit cards. ◗ If you must have a credit card, use only one or two. ◗ Use credit only in emergency situations. If you do use a credit card, make sure you can pay the bill off at the end of the month. ◗ Never pay just the minimum amount.

Traditional-age students are those who are younger and have had minimal life experience. An example of the adult student might be a 40-year-old mother of two with a nursing background who is returning to school for an additional degree. An example of a traditional student is a new high school graduate, entering college for the first CHAPTER 3 • COMMON CONCERNS OF THE ADULT COLLEGE STUDENT time. As the 21st century sees many individuals returning to school for retraining and to pursue career changes, it is not unusual to have a blend of both types of students in the classroom.

For example, individuals with a poor self-image are likely to set lower goals based on how they view their abilities, thus compromising the potential to move ahead. Individuals with an inflated self-image may set goals that are too lofty, resulting in failure and a lack of achievement. Likewise, individuals who have not effectively addressed their needs will be frustrated until basic needs are met. An objective assessment of skills, abilities, and motivations leads to an accurate self-image that allows realistic performance and improvement goals to be set.

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