October 23, 2018 • Page 6 shop online at www.missourivalleyshopper.com Financial Aid For PostSecondary Education By Lorna Saboe-Wounded Head There are many options to pay for postsecondary education, such as savings, scholarships, grants, and student loans (federal and private). Costs for education is increasing. Tuition, room and board make up the majority of the costs but additional expenses that include books/supplies, personal, and transportation should also be considered. Savings A 529 Prepaid Tuition Plan, 529 Savings Plan, Coverdell Education Savings Account, or Roth IRA are tools that can be used to save money for post-secondary education. Most even provide tax benefits. Each plan has different benefits and risks. Research each type of plan to determine which is best for your situation. Scholarships and Grants Research scholarships and grants available from the institutions being considered, local community and state. Start the search process early to avoid missing submission deadlines. Remember to conduct the scholarship and grant search each year attending the institution. There are many scholarship opportunities that go unfunded because of lack of applicants. Never pay to apply for a scholarship/grant or for access to scholarship opportunities. Federal Student Loans Following are the types of loans available through the Federal Department of Education. Application for the loans is done by completing the FAFSA (Free Application for Federal Student Aid). • Direct Subsidized Loans: Made to eligible undergraduate students who demonstrate financial need to help cover costs of school. These loans do not accrue interest until the student is out of school. The amount loaned is based on your grade-level at a particular school. • Direct Unsubsidized Loans: Made to eligible undergraduate, graduate, and professional students. Students do not need to demonstrate finance need to get an unsubsidized loan. Interest begins to accrue as soon as the loan is disbursed and the amount is based on your grade-level at a particular Part-time Positions available Evenings and weekends. Must have excellent people skills and be detail oriented. Retail experience preferred but not required. Flexible schedule and benefits available. Add’l $3.00 per hour for weekend hours. appy in Person 3210 Broadway Ave. Yankton, SD 57078 Open pOsitiOns: • Building Automation System Specialist • Facility Worker (Custodial) - Multiple Shifts Available • Plumber • Building Maintenance Worker For complete detailed descriptions and to apply, go to http://yourfuture.sdbor.edu EEO/AA school. • Direct PLUS Loans: Are taken by parents to help pay for the students education. If a parent is denied a PLUS loan because of their credit history, they can contact the school to see if their student would be eligible for additional unsubsidized student loans. • Federal Perkins Loans: School-based loan program for students with financial need. Under this program, the school is the lender and the amount of the loan is determined by each school based on the amount of funds they have available to lend. Private/Non-Federal Student Loans There are many non-federal loan options available to students. Most of these loans will require the student to have a co-signer. Being a co-signer is risky. If the student does not make the payments, the co-signer will be required to make the payments. Interest rates for private loans will be either variable or higher than federal loans. These loans are not available for flexible repayment plans and cannot be consolidated with federal student loans. Save The Date For The 2018 Northern States Beef Conference BROOKINGS, S.D. - Improving cattle health and reducing death loss is the focus of the 2018 Northern States Beef Conference to be held December 12 and 13 in Watertown at the Watertown Event Center (1901 9th Ave SW). All beef producers and supporters are welcome. "The focus of this conference has been to provide cutting edge information tailored to the unique needs of cattle feeders and cow/calf operators in this region," Warren Rusche, SDSU Extension Beef Feedlot Management Associate. The Northern States Beef Conference is cohosted by SDSU Extension, University of Minnesota and North Dakota State University, rotating between the three states on an every other year basis. 1323 Food Service 1340 Part-Time 1360 Income Opportunity Cattle health & reducing death loss Part-time Waitress wanted CLASS A TRUCK DRIVER. Dietary Cook Presentations will apply in person. Evenings North Central region. Could FT/PT prepares meals acearn over $70,000. No touch focus on practices and and weekends. cording to planned menu, freight. Good benefits. All mile Upper Deck cooks, and washes pots & management strategies to paid. Nice equipment. Experi315 Broadway pans. Knowledge of kitchen ence needed. Call 507-437- improve health outcomes Yankton equipment, experience re9905. Apply on-line WWW.M- from birth through the quired - institutional food CFGTL.COM (MCN) background preferred. Work feeding phase. includes varied shifts, rotatOther topics include ing weekends and holidays. NEW AUTHORS WANTED! discussions on how to Benefits available. Page Publishing will help you Apply at self-publish your own book. add value to corn through Sacred Heart Monastery FREE author submission kit! cattle, as well as market 1005 W 8th St. Limited offer! Why wait? Call outlook for the coming Yankton, SD now: 855-623-8796 (MCN) 605-668-6284 year. Two producer panels will be held covering the 1335 Other Employment 1335 Other Employment following topics: • Ways cow/calf producers can produce calves that are more attractive to $19/ hr for experienced welders. $1000 feedlots • Integrating crop and Immediate benefits: Insurance, Sign On livestock production Bonus Retirement, Pd Holidays. There will also be a trade show featuring Apply at Bow Creek vendors from across the Metal, Inc. region. 3009 E Hwy 50, To register, visit the Yankton, SD. 1325 Medical iGrow Events page and search by the date. For more information, contact Julie Walker, Professor & SDSU Extension Beef Specialist by email or 605.688.5458; Taylor Grussing, SDSU Extension Cow/Calf Field Specialist Avera offers great wages and benefits with potential semi-annual wage increases. by email or 605.996.7378 or Rusche by email or 605.688.5452. WELDERS WANTED: Security Officer $1,000 Sign On Bonus Wakonda Heritage Manor is now accepting applications for Director of Nursing Full-Time $2,000 Sign on Bonus For a 2 Year Committment To apply go to Avera.org or contact the Personnel Office at Wakonda Heritage Manor, Wakonda, SD 605-267-2081 -Full Time desired, but part time may be available -Guard facility against fire, theft, vandalism, illegal entry, etc. -12 hour night shifts; 7pm-7am *Valid Driver’s license required Apply online at www.averajobs.org or contact Avera HR at 605-668-8390 Avera is an Equal Employment Opportunity/Affirmative Action Employer Minority/Female/Disabled/Veteran/Sexual Orientation/Gender Identity HELP WANTED ASSEMBLERS – 2ND OR 3RD SHIFT: Mechanically inclined assembler with 1 year related work experience. Blueprint reading experience a plus. INDUSTRIAL PAINTER – 1ST OR 3RD SHIFT: Industrial paint experience preferred, but will train suitable applicant. The Sanford School of Medicine in Vermillion, SD seeks a dynamic, knowledgeable, communication focused, organized and detail orientated individual to serve as the Human Resources Program Assistant to the Division of Basic Biomedical Sciences (BBS). This is a full time, benefit eligible position assisting with BBS Human Resource needs. For additional information or to apply visit https://yourfuture.sdbor.edu. Application materials must include a cover letter which addresses how the candidate’s experience matches the position requirements and a resume. The University of South Dakota Sanford School of Medicine values diversity and its essential role in achieving the educational, scholarship, and service missions of the schools EEO/AA. Posting number: CSA00351P - Applicant review is ongoing but position will remain open until filled. 750 $ Sign On Bonus We offer competitive wages, great benefit package, 401K and family orientated business. Clean work environment. 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