Kansas State University


Powercat Financial

Plan Now To Spend Your Summer 2018 Abroad!

Have you ever been out of the country? Well, Kansas State University has just the opportunity for you. From May 16, 2018, to June 16, 2018, K-State is going to Italy. This experience would not only be a great time, but it would also look really sharp on your resume. Employers look for unique experiences that set candidates apart and this may be just that!

While in Italy, along with sight-seeing and exploring, you will be able to take two classes with K-State faculty and students that will help fulfill credits toward your major or minor. Here are some classes you can take:

  • ART 630 – Orvieto Sketchbook, Erin Wiersma
  • ART 628- History of Italian Art and Architecture, Douglas Dow
  • HM 499- Food and Wine of Italy, Elizabeth Barrett, Pat Pesci, and Kelly Whitehair
  • MC 589- Intercultural Digital Storytelling, Andrew Smith
  • MLANG 100- Italian for Travelers, Allessia Salamina
  • PHILO 399- Honors Seminar in Philosophy – Leonardo & Galileo: Science & Religion in the Italian Renaissance, Scott Tanona
  • MKTG 400- Introduction to Marketing, Swinder Janda

The program has requirements that you must meet if you want to attend. A few of them consist of:

  • Minimum Sophomore Standing
  • Minimum 2.5 GPA
  • English Proficiency
  • Application Priority Deadline: December 1, 2017
  • Application Final Deadline: February 1, 2018

The program also offers scholarships and financial aid for your assistance. For more information, you should contact the Office of Student Financial assistance for options on summer financial aid. The program fee is $3,000 and for six K-State undergraduate credits (equivalent to 2 classes) at Global Campus Fee, the tuition total is $1,904.60. Additional expenses would include: passport, international flight, individual meals, textbooks, refundable housing deposit, phone plan and personal travel. The program fee will include: airport pick-up, accommodation, international health insurance, excursions to Rome & Florence, local field trips, workshops, welcome & farewell dinner, KSU in Italy administration costs, and Education Abroad administrative fee.

If you have any questions about this great experience, contact Education Abroad at 785-532-5990 or email overseas@ksu.edu.

If you have questions about how you are going to start saving for this trip, or if the cost overwhelms you, schedule an appointment with Powercat Financial at www.ksu.edu/powercatfinancial and we will help you set up a budgeting and savings plan to meet this financial goal or any others you may be contemplating! We can help make your financial goals a reality!

Hannah Eilert, Peer Financial Counselor II

Back to School on a Budget



Budgeting your money in college can be difficult, especially at the start of the school year. Rent, tuition, books, activities, and the excitement of the new school year cause us to spend a lot more money than we would like, making for a pretty steep bill at the end of the month. What if you could enjoy all of the excitement that being back at school brings as well as reap the cost saving benefits that exist all around us in Manhattan? The beauty of the “back to school” time of the year is that there are deals, specials, promotions, even free giveaways all around us. Let’s take a look at all the ways you, as a college student here at Kansas State, can start off the semester financially strong.


Search for Deals


There are tons of cost savings and deals specifically designed for college students right here in Manhattan. $2 off might not sound like a lot, but save that much every week for a year and you’re already at $104 cost savings through minimal effort on your part. Websites such as www.college-coupons.com offer coupons specifically for students. They have coupons for places such as Pie Five, Dairy Queen, Domino’s, Houlihan’s and more. In addition, the K-State residence halls and student union are always handing out coupons this time of year for local places around Manhattan. Simply looking up specials before going out to eat, seeing a movie, or shopping for groceries can save you a lot of money in the long run. Don’t forget to save by earning Pocket Points for staying off your phone while on campus or during class. Download and use the free Pocket Points app to earn free and discounted items on and off campus!


Look for Free Giveaways


Need a new cooler for this upcoming football season? Powercat Financial is currently giving away a free YETI cooler, a 30 oz YETI cup and a 20 oz YETI cup through an online scavenger hunt. Visit www.ksu.edu/powercatfinancial/events to fill out the online form about all the financial resources that Powercat Financial has to offer and your name will be entered to win one of the three YETI prizes.


Shop Smart


Doing research before purchasing that $300 textbook can end up saving you hundreds. Websites like Chegg and Amazon offer textbooks at significant price reductions. In addition, students receive a 50% discount on Amazon Prime memberships, which can be used for free two-day shipping on that textbook you needed a week ago. The extra research is well worth the time and effort.


Make Money


The great part about the beginning of the school year is that you don’t have to look far and wide to find part-time jobs. Join Handshake (http://www.k-state.edu/careercenter/handshake/), the new job recruiting platform offered through the career center here at K-State, to search for part-time jobs on and off campus. The new resource is simple and easy to use, making your job search less time-consuming and more efficient.


Manage your Money


Be proactive this semester with your money and schedule a free and confidential appointment with Powercat Financial at www.ksu.edu/powercatfinancial/services to discuss all the ways you can budget and save this upcoming year. We would be happy to discuss more on budgeting, set you up with a spending plan and answer any financial questions you may have to start off the school year with your best foot forward.


Sydney Johnson

Peer Financial Counselor II


How to Build and Maintain Good Credit

What makes up a credit score?

You can think about your credit score as a “financial GPA”. Your credit score is composed of five main parts. About 35% is your payment history (paying on time), 30% is credit utilization (amount of credit you use compared to the amount of credit you have available), 15% is length of history (so it is not always the best idea to cancel a credit card when you pay it off), 10% is shopping for credit (those hard credit inquiries – when a financial institution checks your credit report when you apply for a loan or credit – stay on your report for 2 years; soft credit inquiries – such as checking your own credit score – do not affect your score), and 10% is mix of credit (the different types of credit such as revolving credit like credit cards, and installment credit like a car loan).

What can I do to maintain good credit?

  • Never miss a payment
    • Missed payments affect your credit score/report for 7 years
    • Sign up for automatic payments
  • Utilize no more than 30% of your credit limit
    • You only need to be within this range on the date your billing cycle ends
    • Utilizing 1-9% of your credit limit, is considered the best way to increase your credit score
  • Remember that rewards are a bonus
    • If you want to spend more to gain more rewards, make sure you are doing it responsibly and staying current on your payments
  • While shopping around, find the best card for you and apply for that ONE
    • Applying for more than one card can negatively impact your score because hard inquiries made by credit lenders stay on your report for 2 years
    • www.nerdwallet.com is a good resource to compare and contrast different cards

How can I establish or repair credit?

  • You may need a co-signer if you are under 21
    • Parent or guardian
    • The co-signer is just as liable to repay the debt as the borrower
  • Secured card
    • Requires a cash collateral deposit that becomes the credit line for that account
    • Often times, this is a great option for people will poor or bad credit scores
  • Time
    • Don’t get discouraged if your credit does not improve immediately – it will come with time
    • Stay motivated and look towards the end goal!
  • Check your credit report frequently

What is a credit report?

Checking your credit report is also important for both maintaining and repairing your credit. You can think of your credit report as a copy of your transcripts, a detailed summary of your financial reliability and history of paying debts. You get three free reports annually, one from each of the credit bureaus – Transunion, Equifax, Experian. It is recommended to request one every four months to monitor any fraudulent activity or errors on your report. Go to annualcreditreport.com to view your credit report.

Checking your own credit report will not affect your credit score. However, every time a lender checks your report, it is considered “shopping for credit”, and can negatively impact your score. Finally, note the report does not include your credit score (the numerical value calculated from information in your credit file that is used by lenders and landlords to assess your “credit risk” at that time).
As always, if you have any questions or need help checking your credit report, we would be happy to help!

Shari Humbard & Hillary Williams – Peer Counselor II


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