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Show 3NESDAY, DECEMBER 8, NEWS 2004 THE VOICE OF DIXIE STATE COLLEGE OF UTAH semester stress of finals luring Stress Relief Day 2nd morning studying," Wright said. Then they are too tired to perform at their best for the final. Students should also avoid too much caffeine that causes jitteriness and makes it more difficult to concentrate or sit still, Wright said. Another important thing to remember is not to cram, Wright said. When students cram, it makes it difficult to remember things they studied previously. According to www.isma.org, stress is an BY TIERA OLIVER Dixie Sun Staff Writer Students who are feel- - stressed out due to rcoming finals are invit-- : participate in Stress to lief Day today from 10 n. to 2 p.m. in front of e McDonald building. Wright, Wellness support specialist, s ltd around finals are so stressed out tany of them get sick or ven turn to drugs or icohol. Stress Relief Day s provided to help learn how to cope nth the stress that is with this time of Xari inter stu-ent- n't stu-ent- umbrella term referring to the adverse reaction people have to excessive pressures or other types con-jrre- egg1' ear. a lot of freshman, right said, this will be tieir first college final nd many do not know ow to cope with the "For Pr rial cent mvv-an- tress. In lies order to help be prepared for imals, stu-en- to te ts the Wellness renter will be imp- of demands placed upon them. Stress is a factor for everyone today. There are millions of products on the market to help cope with stress, everything from aromatherapy to meditation, yoga, acupuncture and the Sqwiggler. The Sqwiggler is a handheld, battery-operatemassager with handing pencils, free cantrons, stress relieving :adr- alls and hot chocolate, hey will also be handing lo nut brochures and other ont nformation about things xudents can do to help repare for finals. I There are things stunha. dents should do the night tiga before finals. Wright said 'he most important thing istig s to get enough sleep. hor Many students stay up 'tec- until one or two in the ut No. 2 d ten copper fingers designed to gently stimulate millions of nerve endings on the scalp as well as acupressure points to help relieve stress. According to www.spreadthenewspr.co m, research has shown that 90 percent of all ill- - nesses and diseases are due to stress. Some suggestions for preparing and coping with exam stress and keeping things in perspective are listed at www.isma.org. According to the site, Exam(s) may seem like the most crucial thing right now, but in thelife grander scheme of they are only a small part. If students find themselves not understanding some of the course material, stressing out about it will not help. Instead, take action to address the problem directly by talking to the course instructor or getting help from a classmate. According to www.isma.org, tne quickest and most effective way of eliminating feelings of stress and panic is to take several long, slow deep breaths with closed eyes. Deep breathing calms the whole nervous system. An article at http:hon-olulu.hawaii.ed- 101 ways to cope with stress" includes many good tips of staying stress free. It states that to feel less stressed, students should anticipate their needs, set goals for themselves, and strive for excellence not perfection. Wright suggested that on the day of the finals, students eat a meal, go over what was studied briefly, and make sure to have the things needed for the final before leaving for the exam. Ten minutes before the final, Wright said go outside and take a deep breath and walk around, don't cram in the 10 minutes before taking the final, this may just cause the information studied earlier to be lost. After receiving your test, just take a deep breath and relax, Wright said. Though finals are stressful, the amount of stress can be reduced if students learn how to manage the stress in their lives. The easiest way to minimize stress is to be DIXIE SUN - 5 DEBT continued from page 1 It is nice to have work study, but it is not enough" Heaton said. It will never be enough Heaton is among the 27 percent of students who, according to Nellie Mae, a leading provider of higher education loans, use a credit card to finance their education A study by Nellie Mae found that students who charge tuition and other related expenses left school with a credit card balance more than double the average graduate's. Many students are not controlling the money they owe, but rather accumulating soaring debt burdens. According to the report, 39 percent of student borrowers leave school with unmanageable debt levels, meaning that their monthly payments are more than 8 percent of their monthly incomes. The students most susceptible to large amounts of debt are those from lower-incom- e families, according to the percent report. Seventy-on- e of students from households making less than $20,000 graduated with debt, compared to 44 percent of students from households making more than $100,000. According to an issue brief by the American Council on Education in September 2004, students whose salaries were in the low income range were more likely to have a debt burden of 13 percent or more. Debt burden is of special concern for students who do not complete a degree, as they often face debt repayment without the greater earnings of a degree According to the U S. Department of Education s website, borrowers generally begin repaying their student loans six months after they graduate. The standard repayment for federal loans is 10 years. Solutions and alternatives to high debt burdens and years of repayment exist The InCharge Education Foundation offers several suggestions to help students maintain reasonable spend- ing o Use cash instead of plastic w'henever possible, o Use debit cards instead of credit cards, o Understand how fast the penalties for late pay ments and interest charges can add up on credit cards, o Hold the fewest credit cards possible o Don't forget that the bills for student loans will arrive one month after graduation, o According to its website, FSA offers loan entrance and exit counseling, default aversion programs, late stage delinquency assistance, financial workshops and curriculum, debt management programs, and online debt counsel ing. well-balance- d dec- ,tior 's lete ithe itior AV r;n- - imp 1 or.' ED ire lib,' mr CVJ Q lat not- ills DISNEYS JOSEPH .em i! & Oreamcoat The Amazmg Technicolor Directed by David Tmney BEAUTY AND THE BEAST Directed by tax CHILDREN S CALL are Wednesday. Jan. 19, 2005 4:00 PM - 8:00 PM (ages Tim Threlfall OPEN CALL Thursday Jan. 20, 2005 4.00 PM - 10.30 PM X) ate. 3 r Tuacahn High School Dance Studio, Ivins dt ost s, S ACTORS SINGERS DANCERS v h- tec - i 'I ViiM T prepared. Number of loans to U.S. undergraduate students, 1993-9- 4 and 2003-04- . |