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A Guide to Remote Internships

Remote internships have become a staple in today’s professional world, offering students the chance to gain work experience from anywhere. Whether you’re in a different city, balancing classes, or simply prefer the flexibility of working from home, virtual internships can open doors to opportunities that once required relocation.

The question is, are virtual internships valuable? The answer is yes, especially if you know how to make the most of them. From finding the right opportunity to building your professional network, there are key steps you can take to ensure your experience is both productive and rewarding. Here’s what you need to know to succeed in a remote college internship.

Key Points

•   Remote internships offer flexible, valuable work experience and professional skill development.

•   Look for opportunities through your school’s career center and alumni networks, as well as through federal programs.

•   A dedicated, organized home office helps boost productivity and focus.

•   Regular, proactive communication with managers is crucial for success.

•   Documenting tasks and achievements as you go can help with resume updates and securing recommendations.

Finding Remote Internships

Colleges usually have information about internships, both those that are available during the school year and summer internships. It’s a good idea to check in with your school’s career center and see what intel it has on remote internships.

You might also get in touch with your school’s alumni organization, ask around in your personal networks, and see if your school will be hosting any job fairs during the upcoming semester.

You might also check out the Virtual Student Federal Service, which matches students with projects from a variety of federal agencies. This program is virtual, students can be in charge of their timetable, and the commitment is 10 hours a week. The application period opens in October for the following summer.



💡 Quick Tip: Some lenders help you pay down your student loans sooner with reward points you earn along the way

Creating a Home Office to Support Success

Working from home is a new experience for some people, so creating an environment that helps to maintain focus and health is key to success.

As with any office building, there are a few things that can be done to make the space healthier.

If you’ll be spending most of the day in your home office, you may want to consider opening the windows, keeping the space clean, and investing in an air purifier.

A key piece of staying productive and reducing stress is having an organized space. When working from home, it helps to have a desk free of clutter. Research has shown that maintaining an organized space helps with cognition, emotional health, and behavior. All of these factors contribute to how people perform at work.

Succeeding at an internship as well as at school can be challenging. Setting boundaries for your work may help with prioritizing and prevent you from losing valuable study time.
Having set work hours can make it easier to turn “off” work mode and transition into study or relaxation mode.

Recommended: 3 Summer Jobs Ideas for College Students

Need some extra help paying
for school? SoFi is here for you.


Paying Attention to Health

It’s important to be aware of the impact that working from home can have on your physical health. Long hours on a computer, both writing papers and doing work for your internship, can take a toll.

To prevent eye strain, try the 20-20-20 rule. It goes like this: Every 20 minutes, look at an object at least 20 feet away for 20 seconds.

In addition to preventing eye strain, it’s a good idea to pay attention to your posture throughout the day. The Occupational Safety and Health Administration recommends working in a neutral position that won’t strain joints and tendons, and changing positions, stretching, and walking throughout the day, as well as performing some tasks while standing.

Physical health isn’t the only kind that can be affected by spending long periods of time at home.
Some people have reported that working from home caused them to feel more stress, whereas others said it reduced stress. Since this varies, you’ll want to pay attention to your mental well-being during a remote internship.

To take care of your mental health, be sure to implement routines like walking, meditating, and calling friends.

Finding Value in Virtual Networking

Video calls are a great way to connect and network with others virtually.

Emails and phone calls are still important pieces of remote work, but with video calls, it’s easier to connect with remote coworkers and better understand them during meetings. Nonverbal communication skills are essential to good communication.

This means that networking virtually is possible. Networking during an internship is important because internships have the potential to turn into full-time positions. Asking colleagues to get together for a video chat to ask questions or better understand their position could improve the chance of being offered a job at the end of the internship.

Networking virtually takes planning and intentional communication, because coworkers can’t bond over lunch or chat at the water cooler. Setting up a virtual chat to get to know colleagues better can demonstrate the ability to take initiative and how seriously you are taking the position.

Recommended: A Guide to Post Grad Internships

Starting Off on the Right Foot

A virtual internship is going to work a bit differently from an in-person internship, which means students should be ready to ask a lot of questions.

Before beginning the internship, prepare a list of questions to ask the employer via email or video chat. Asking questions can help you develop important leadership skills, so it’s a good habit to develop during an internship.

Starting an internship off right also involves setting up regular check-ins with a manager. They may do this already, but if not, it’s OK to ask for it to be implemented. Receiving regular feedback can improve performance, and therefore help you get the most out of your internship.

Juggling studies and a remote internship may be intense, so part of being prepared is getting a calendar to track important dates and internship tasks. Blocking off time in a calendar to focus on the internship tasks could prevent moments of burnout and feeling overwhelmed.

Brushing Up On the Tech

Before beginning a virtual internship, it’s a good idea to get familiar with the common platforms that are used in remote work for communication, task management, file sharing, and online calendars.

Each workplace is going to use different programs; some may prefer Asana versus Trello when it comes to task management, and some may prefer Slack versus Microsoft Teams for communication within the team.

There are tons of programs out there to make virtual work easier. Interns won’t be able to learn them all, but brushing up on what’s popular may ease anxiety and increase feelings of preparedness.

Recommended: Am I Eligible for Work-Study?

Documenting Your Success

It can be really easy to forget all that you’ve accomplished during an internship. Most internships last a whole semester (or summer), and if you aren’t tracking what their tasks and accomplishments are, you may forget them.

This is important information to keep for both yourself and your manager. Keeping things documented can help you easily add your accomplishments and new skills to your resume.

It will also make it easier for managers to write a letter of recommendation at the end of the internship. With luck, the manager will remember the best of your accomplishments, but if they’re managing a large team it could be difficult for them to write a letter without reference points.

A letter of recommendation can help you once you enter the workforce and begin applying for jobs.



💡 Quick Tip: It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.

The Takeaway

Remote internships can be just as valuable as traditional, in-person experiences, potentially even more so. They can broaden your professional network across locations, give you flexibility in managing your schedule, and help you build essential digital communication skills. Success in a virtual setting comes down to preparing: finding the right opportunity, setting up a productive workspace, staying connected with colleagues, and keeping track of your achievements.

While many college internships are paid, some are not. Either way, you’ll likely still need financial support to cover the cost of college. Your funding options include federal aid (including grants, scholarships, and subsidized student loans), savings, help from parents or others, and private student loans.

It’s generally recommended that students exhaust all options of federal aid (including federal loans) before moving on to private loans. Federal loans come with benefits that students may not find elsewhere, such as income-based student loan repayment plans.

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.

FAQ

How does a remote internship work?

A remote internship operates entirely online. You work from home or any location, communicating with your team through email, video calls, and project management tools. Tasks and deadlines are set, and you collaborate virtually. Regular check-ins and feedback sessions ensure you stay on track and receive guidance.

Is a remote internship worth it?

Absolutely. Remote internships offer flexibility, allowing you to gain valuable experience and skills without geographical constraints. They provide exposure to diverse industries and work cultures, and you can build a professional network. The experience can be just as enriching as an in-person internship and can significantly enhance your resume.

How can you succeed in a remote internship?

To excel in a remote internship, it’s important to stay organized and proactive. Be sure to set a routine, communicate clearly and frequently with your team, and use technology effectively. Take the initiative to ask questions and seek feedback, and stay engaged by participating in virtual meetings and networking events. Demonstrating reliability and a strong work ethic will help you stand out and make the most of the opportunity.



SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Tips for Taking Online Classes Successfully

Online college classes give you the flexibility to study from anywhere — your bedroom, home office, or even a coffee shop. Having the option to take some (or all) of your classes online can also make it easier to balance school with other commitments, such as a full-time job or family responsibilities.

However, online learning also comes with some challenges. It can be difficult to focus if you’re not in an actual classroom. Plus, virtual learning can make it harder to make connections with professors and other students at the school.

Read on for a closer look at how online classes work, their pros and cons, and how to make the most of virtual learning.

Key Points

•   Online classes offer flexibility and cost savings, making them ideal for students balancing work, family, or other responsibilities — especially with asynchronous formats and reduced commuting or living costs.

•   Virtual courses come in two formats: hybrid (a mix of online and in-person) and fully online, allowing students to choose the best structure for their learning style and schedule.

•   Common challenges include reduced social interaction, weaker networking opportunities, and time management issues, which can affect motivation and academic performance.

•   Success strategies include setting up a distraction-free workspace, actively participating in class forums, and staying on top of deadlines with strong time management.

•   Tuition for online classes can be funded through federal loans, private loans, payment plans, or paying per class, though private loans should typically be considered only after federal aid options are exhausted..

Types of Online Classes

There are two main types of online classes. Here’s a closer look at each.

Hybrid Approach

A hybrid course is a mix of in-person instruction and remote learning. The exact schedule will vary by school, class, and instructor, but may include several hours of live or prerecorded virtual learning per week with one in-person session. For example, a chemistry course could include virtual learning and in-person lab work.

Hybrid courses offer the benefits of remote learning without fully abandoning in-person instruction, making it a prime choice for students concerned that online classes may not meet their needs.

Exclusively Virtual

Classes that are all virtual never meet in person. Instruction is given through live webinars, prerecorded video, and physical or digital material.

Depending on the format of the course, students can fit sessions into their schedule as they see fit, an option not provided by a hybrid or traditional class.

Benefits and Potential Pitfalls of Virtual Courses

While virtual learning is ideal for some students, it may be frustrating for others. Here’s a look at some of the pros and cons of taking college courses online.

Pros of Online Courses

Flexibility: The ability to learn whenever and wherever can be a huge advantage for a student with a hectic schedule. Though there are still deadlines and due dates to abide by, learning can typically take place around work, social commitments, and personal preferences. While some courses may include live remote sessions, they’re typically recorded and available for students to view at a later time.

Real-life experience: Online courses tend to put more responsibility on the student. Learning how to prioritize instruction in a flexible schedule can help prepare students for careers.

Potential savings: If a course was designed to be taught in person but has recently been adapted for online instruction, a discount may not be available. But for courses originally built for virtual learning, students often find they can save on the average credit cost. An online degree might also have a condensed schedule. allowing you to get your degree faster.

There are other savings to consider. With online instruction, students generally don’t have to worry about paying for parking, gas, or lunch on the go. Plus virtual learning can allow you to pursue an education while working full or part time, an option not always available to in-person students.

Recommended: How to Find the Right College

Potential Cons of Online Courses

Minimal social benefits: One potential downside to taking a class online is lack of personal interaction. You might find it harder to ask the teacher questions and make connections with fellow students. And, some students simply respond better to in-person vs. online learning, and might struggle to concentrate when learning virtually.

A lack of professional networking: Students often discover opportunities to build relationships with professors and assistants that can lead to careers. Virtual learning makes these relationships more difficult to find and develop.

Scheduling conflicts: While the flexibility of online classes can be appealing, it can create scheduling conflicts. If you are challenged by time management, you may find yourself procrastinating and struggling to manage your workload along with other everyday responsibilities.

Tips for Online Classes

Here are some words to the wise for taking online courses, for both newbies and experienced virtual students.

•   Respect the course. Do you suspect that an online course has less value than in-person instruction? The educational value is the same. It’s just being delivered in a different fashion.

•   Think about time management. Even experienced virtual students can often improve their time management skills. Review the syllabus at the start of the semester, note major assignments, and look for potential conflicts.

•   Try to avoid distractions. When taking online courses, it might be best not to set up in front of the TV, as tempting as it may be. Consider cobbling together a home office that blocks distractions and creates a productive environment.

•   Participate. While an online class can be an introvert’s dream, there are still opportunities to participate. Many online courses offer a forum for students and instructors to discuss course materials, comment on one another’s work, and ask questions as needed.

Funding the Virtual Voyage

Even though some online classes and degree programs can be more affordable than their in-person counterparts, tuition costs may still come with sticker shock. Depending on the school and online program you’re looking to enroll in, however, you may have the following options to help fund your college education.

Paying à la Carte

Online courses are often designed to fit a working student’s schedule (though being employed certainly isn’t a requirement). In some cases, you may be able to pay for classes as you go. In others, the school may also offer a payment plan, allowing you to make monthly payments over time to cover the cost of your online degree.

Federal Loans

By filling out the Federal Application for Federal Student Aid (FAFSA), you will find out if you are eligible for federal student aid, including grants (which you don’t have to pay back) and loans (which you do).

With federal subsidized student loans, you won’t start accruing interest until six months after you graduate. With unsubsidized federal loans, interest begins to accrue as soon as the funds are dispersed (though you can defer making any payments until six months after you graduate). Federal student loans don’t require a credit check and come with a relatively low, fixed interest rate set by the government.

Private Loans

If there are still gaps in funding, you may also want to explore private student loans. These are available through private lenders, including banks, credit unions, and online lenders, and do require a credit check. If you don’t have much credit history or income, you will likely need a cosigner. Rates may be fixed or variable, and are set by the lender. Borrowers with excellent credit tend to qualify for the lowest rates.

A private student loan can cover up to 100% of the cost of school-certified attendance, both for in-person and online courses. Keep in mind, though, that federal student loans offer benefits, like income-based repayment plans and Public Service Loan Forgiveness, that are not guaranteed by private lenders.

The Takeaway

Online classes can have several advantages over in-person ones, saving you time and money and offering the convenience of studying whenever and wherever suits you. However, to succeed, you likely need to focus on minimizing distractions, managing your time wisely, and participating to get the most out of paying for your courses. Also look into options for paying for qualifying classes, such as federal and/or private student loans.

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.

FAQ

How to do well in online classes?

Tactics for doing well in online classes include focusing on time management, avoiding distractions, and participating to boost engagement.

How hard is it to take online classes?

Online classes can require more focus, organization, and time management skills than in-person classes. You likely won’t have your professors talking in class about assignment due dates and upcoming tests. Also, distractions when watching classes must be minimized.

Are online classes easier than in-person ones?

It’s a myth that online classes are intrinsically easier than in-person ones. The level of difficulty can vary tremendously among both online and in-person classes. Also, online classes can demand greater focus, time management, and self-reliance to succeed.



About the author

Julia Califano

Julia Califano

Julia Califano is an award-winning journalist who covers banking, small business, personal loans, student loans, and other money issues for SoFi. She has over 20 years of experience writing about personal finance and lifestyle topics. Read full bio.



SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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What to Expect at College Orientation

College orientation is an exciting initiation into freshman year and an opportunity to learn about your classes and extracurricular activities, make friends, and get acclimated to your new surroundings.

While it may span just a few days or a week in total, college orientation is packed with information and experiences that can set you up for success over the next four years.

Planning ahead and diving into the details of the orientation schedule is just one of many ways to prepare for college. Although every school operates differently, here are some key college orientation tips and things to expect when you arrive on campus.

Key Points

•   Plan ahead and understand the college orientation schedule, including mandatory and optional sessions.

•   Make friends and get acquainted with campus life through social activities.

•   Learn the campus layout to avoid tardiness.

•   Attend financial aid sessions to manage college costs effectively.

•   Familiarize yourself with essential campus resources like dining halls and classrooms.

When Does Orientation Take Place?

Some college orientations happen in the middle of summer, while others take place right before the beginning of the semester. The earlier variety is typically conducted in smaller groups and may be organized separately for specific programs or majors.

Midsummer orientations often give students the opportunity to stay in the dorms ahead of moving to campus. This can be a useful test run to get acquainted with the dorm life and mingle with fellow incoming students.

What Is an Orientation Schedule Like?

Once the college orientation schedule is available, look out for which parts are mandatory, such as taking a student ID photo and registering for classes, and any optional social, extracurricular, and informational activities that sound interesting or helpful.

College orientation is a time to make friends and get acquainted with college life, but knowing where the dining hall, laundry room, student transportation, and other services are located also comes in handy.

Having a game plan for the orientation schedule will give you an opportunity to invite new acquaintances to attend an event or activity together. At the same time, allowing yourself to go with the flow a bit might alleviate some of the stress.

Compared to a strictly regulated high school schedule, college students are given much more discretion in making decisions for themselves. While this newfound freedom can be liberating, it can present challenges for balancing studying effectively with the fun, social aspects of college.

Orientation is a chance to get acclimated before the pressure of staying on top of schoolwork arises.

Recommended: 10 Ways to Prepare for College

What Happens at Orientation?

The full scope of college orientation will vary by institution. However, there will likely be a mix of instructional and social activities to round out each day. Some topics that are typically covered include:

•   School rules, policies, and code of conduct

•   Meetings with an academic or department advisor

•   Guided tour of campus

•   Skits and role-play activities

•   Ice breakers with a residential advisor and dorm floormates

While some sessions may feel tedious, making a good first impression on a residential advisor, professor, and peers can be invaluable.

Learning About Extracurricular Activities and Campus Life

College orientation usually includes a range of informational and fun activities to introduce students to campus activities. Many student clubs and organizations have tables at orientation or early in the semester to meet and attract incoming students.

Depending on school size and culture, the number of offerings and niches can be vast compared to high school, including intramural sports, Greek life, theater troupes, and culture clubs.

Learning the Lay of the Land

After the guided tour, you may want to spend some time going over (and memorizing) how to get to the dining hall, student center, and your classrooms — this can save you lots of time and potential embarrassment from being late on the first day of classes. Classrooms may be organized by department in different buildings across campus.

During college orientation, you may also be able to join group outings to explore your college town or sign up for guided shopping trips to pick up groceries, cleaning supplies, and other dorm essentials.

Moving Into the Dorms

At colleges that hold orientation directly before the beginning of the semester, you may be able to sign up in advance for a block of time to park and transport your belongings into your dorm room.

With many students and families arriving on the same day, the scene can be a bit of a frenzy. Keep an eye out for registration emails prior to orientation to snag a good move-in time.

Mid to late morning is often a safe bet to get ahead of the crowds and summer heat. Also, packing efficiently can save time and stress on move-in day.

Beyond studying and sleeping, dorms are a social hive for freshmen students. A helpful college orientation tip: Setting up a welcoming, furnished dorm room is a great way to prepare for movie nights and parties with newfound friends.

Recommended: College Freshman Checklist for the Upcoming School Year

Downtime for Socializing

The orientation schedule tends to wind down in the afternoon and early evening, allowing students plenty of time to hang out and get to know each other. Keeping that in mind may help you resist the urge to skip important orientation sessions to meet up with new roommates and friends.

What About Parents and Family?

While starting college is an exciting time, it can also feel bittersweet for students, parents, and other family members. To honor the occasion, many colleges incorporate group activities, lunches, and festivities for students and families to partake in together during the first day or two of orientation.

Before saying goodbyes, parents and family members may be able to join a separate orientation to prepare them for the transition. Usually, these sessions are intended to provide guidance to support students and offer insight into their child’s life at college.

They are also an opportunity for families to meet other families, as well as learn about resources and noteworthy events, such as family weekend and homecoming.

Paying for College

College orientations may also offer sessions about navigating the financial aid system. Tuition, books, and other educational costs aren’t cheap, and everyone’s financial situation is different.

Financial aid sessions may cover aid distribution dates, when tuition is due, how to pay tuition, and how to add money to student accounts for incidentals. Parents and students may want to attend this session together to ask questions that come up during the discussion.

Fortunately, there are a variety of ways to pay for higher education. In addition to saving for college ahead of time, there are several options to consider when creating a plan.

Scholarships

Scholarships are awarded to students by community organizations, private foundations, nonprofits, colleges, and other groups. The criteria for earning a scholarship varies, though many focus on academic achievement, financial need, or program of study.

According to Sallie Mae’s “How Americans Pay for College” 2023 report, approximately 61% of college students received scholarship money during the 2022-2023 academic year.

Many scholarship applications open before college starts, though there may be additional opportunities once college begins. Researching scholarships in your hometown and college is a great place to start.

Online resources, such as collegeboard.org and SoFi’s Scholarship Search Tool, keep an updated list of scholarships as well. Applying early for scholarships may be an advantage, as some large awards may have early deadlines. For instance, some scholarships stop accepting applications during the fall for distribution the next school year.

Grants

Like scholarships, grants are financial awards given to students to pay for their education — they do not have to be repaid. The main difference is that grants are usually based on need instead of academic merit. By completing the Free Application for Federal Student Aid (FAFSA), you can find out what aid you are eligible for, including the federal Pell Grant Program or state-wide grant opportunities.

Work-Study

Many college students pick up a part-time job to help pay tuition and living expenses. One way to secure work is through Federal Work-Study , a program that employs qualified college and graduate students in on- or off-campus jobs. Pay varies, but participants will earn at least minimum wage.

Work-study eligibility is based on several factors, including family income and enrollment status, and is offered as part of a student’s financial aid package.

A job is not guaranteed even if work-study is awarded. Early application is key because a school’s program funds may be limited and jobs are awarded on a first-come, first-served basis.

Student Loans

Whether or not you receive a scholarship, grant, or work-study, there are several student loan options you might want to consider applying for.

Federal student loans, which are either subsidized or unsubsidized, are offered as part of a student’s financial aid package. If you qualify for a subsidized student loan (which is based on need), interest won’t begin to accrue until six months after you graduate. With an unsubsidized federal student loan, interest begins to accrue right away (though you can defer making any payments until six months after you graduate). Interest rates on federal student loans are fixed; for the 2025-2026 academic year, the rate for a subsidized or unsubsidized federal loan is 6.39%.

Federal student loans come with such protections as deferment and income-driven repayment plans.

Private student loans from banks, credit unions, and online lenders may help fill any remaining gaps in paying for college. These loans are not subsidized or need-based, and their interest rates may be fixed or variable.

To apply for a private student loan, you generally fill out a loan application either alone or with a cosigner. Rates vary depending on the lender, but borrowers with excellent credit typically qualify for the lowest rates. These loans, however, don’t come with the same benefits as federal student loans and the rates are typically somewhat higher, so it’s generally worthwhile to first see what federal aid you can access.

The Takeaway

College orientation is an important and exciting time for students where you learn about the campus, classes, extracurricular activities, and your fellow students. It’s a good opportunity to get acclimated and embark on your independent life as a college student. You’ll also learn what supports are there, whether that means dealing with your academic workload, homesickness, or financial aid concerns.

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.

FAQ

What should you expect at college orientation?

College orientation typically introduces you to your school, such as campus tours, extracurriculars, and financial aid practices. In addition, it gives you the opportunity to take part in fun events, meet your dorm mates and RAs, interact with university staff, and get accustomed to how college life operates.

Is it important to go to college orientation?

In general, it’s a smart move to go to college orientation. It’s a valuable introduction to college life, and it can help a student successfully transition into life at their new school. You’ll learn about where things are, academic expectation, extracurricular activities, and available resources, as well as meeting other students and university staff.

How long is college orientation?

The length of college orientation varies dramatically from school to school. In some cases, it only lasts a matter of hours; in others, it can be several days or even a week.

Do parents go with you on school tours?

The answer to whether parents go with you on school tours is that it can depend. Some students and parents definitely want to take tours together and discuss what they have seen and heard. Other students would rather go solo or visit campuses with a couple of their friends or a sibling. Lastly, don’t be surprised if a school divides the tour up into two kinds of groups, one for students and one for parents. That can be a way for students to develop their own independent view of the campus.


SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Should Students Opt Out of Standardized Testing?

Should Students Opt Out of Standardized Testing?

Standardized testing has long been controversial, in part because it may shift favor toward affluent applicants who can afford test preparation courses, or who go to well-funded public or private schools that can teach test-taking skills. In this way, critics of standardized testing say that standardized testing doesn’t measure aptitude; it merely measures a student’s ability to take a test.

And while seeing that a school is test optional may make some students breathe a sigh of relief, it can lead to confusion for many applicants, especially those who are strong test-takers. Understanding how colleges may use these scores can help you make the decision as to whether to include them in your application package.

Key Points

•   Students could consider opting out of standardized testing only if alternative assessments better showcase their abilities and align with their college or career goals.

•   Test-optional policies are becoming more common, allowing applicants to decide whether to submit SAT or ACT scores — though understanding each school’s stance is crucial.

•   “Test-optional” vs. “test-blind” differ significantly: colleges that are test-optional review submitted scores, while test-blind schools ignore them entirely—even if submitted.

•   Submitting strong test scores can still benefit students, especially in test-optional scenarios where they can strengthen an application or support scholarship eligibility.

•   Holistic admissions remain key, meaning GPA, essays, extracurriculars, recommendations, and fit can matter more than test scores in many cases — especially for test-optional schools.

Test Optional Versus Test Blind

To assess how a university will potentially use test scores, it’s helpful to see whether the school is test optional or test blind.

Test Optional

The school doesn’t require standardized test scores, but if they’re submitted, they will be evaluated alongside the application package.

Test Blind

The school does not require standardized testing. If a student submits standardized test scores, they will not be looked at or evaluated by the institution.

The difference in these definitions can be helpful to determine whether or not to submit test scores. If the school you apply to is test blind, then sending your scores will not matter. But if the school is test optional, then some applicants may consider sending their test scores if they performed well.


💡 Quick Tip: Parents and sponsors with strong credit and income may find much lower rates on no-fee private parent student loans than Federal Parent PLUS Loans. Federal PLUS Loans also come with an origination fee.

Standardized Testing Can Give Students Options

Students who aren’t sure of where they want to apply, or who are interested in a wide range of potential options, may consider opting in to standardized testing. Also consider that some private scholarships may use standardized testing as one method of evaluation.

As you consider your high school and college career, it can be helpful to ask the following questions:

• What does my school counselor think about opting out of testing?

• How do I perform on testing? Does testing cause me significant anxiety, or is it something that I can excel in with relatively minimal stress?

• Do I plan to apply for college scholarships?

• Do I know which schools I want to apply to? You may not have the answer yet depending on which stage of the college search you’re in, but looking at a few dream or reach school admission requirements can be helpful to assess whether or not you’ll likely need standardized testing.

Recommended: The ACT and SAT: Which Test Is Right for You?

Know the Test Calendar

For some students, standardized testing for higher education begins with the PSAT/NMSQT. Also known as the PSAT 10. This test assesses “readiness for college” and may be used for scholarship eligibility. This test is also the qualifying test for the National Merit Scholarship. While it’s commonly taken in tenth or eleventh grade, some middle-schoolers may also take the PSAT 8/9 both for practice and for high school eligibility.

The PSAT does not count toward college admission and colleges will not see a student’s results. That’s why the PSAT can be a helpful first step in assessing how you perform on a standardized test, pinpoint any areas that may need work, and create a plan for the next steps.

Both the ACT and SAT are offered about seven times a year in the United States. Some students take these standardized tests in the spring of their junior year and then retake them in the fall of their senior year. But the right cadence is dependent on a student’s unique profile. For some students, taking the standardized tests just once is enough. Others like to use the first test as a benchmark, then spend the summer studying or taking a prep course before taking the test a second time.

Keep in mind, too, that some colleges that consider standardized test scores will allow students to submit only their highest scores. Other schools will look at all of a student’s scores. Knowing how your potential schools will consider standardized test scores can also help you assess how many times you want to take the test.

Recommended: How to Help Your Child with SAT Practice

What Are Alternatives to Standardized Testing?

Some students worry that their applications may be viewed less competitively if they opt out of standardized testing. But it’s important to remember that for many admissions offices, evaluating applications is an art — not a science.

Reading through admission requirements can give you a sense of what the university expects from applicants. Some public institutions may have specific numbers that students need to meet to be guaranteed admission. But for many schools, admission is dependent on multiple factors including:

Essays

• Range and breadth of high school courses taken

• Teacher recommendations

• Extracurricular activities

• College interview

• Other factors, which may include state residency, alumni parents, or majors planned to pursue in college

• Standardized tests

In short, standardized tests are generally one small part of an admissions package. Talking with a college counselor can help students maximize all other parts of their application for competitive consideration.

Recommended: 5 Ways to Start Preparing for College

Don’t Overlook How You’ll Pay for College

In the leadup to developing a competitive application, it can be easy to overlook the question of how to pay for college. It’s never too early to begin researching methods of payment. This may include:

• Support from parents and family members

• A student’s own savings

• Private scholarships

• Federal financial aid including; work-study, scholarships, grants for college, and federal student loans

Private student loans

While private student loans can help students fill the gap in how they plan to pay for college, they’re generally used as a last resort because they lack borrower protections offered by federal student loans. But, when students don’t receive enough federal aid to pay for college, private student loans can be one option worth considering.

Students may also look at the tuition cost as they are building the list of colleges they plan on applying to. In general, in-state public universities may be less expensive than private universities, but some private universities have generous financial aid for people who meet certain requirements. Having an understanding of the potential financial commitment alongside the application and admissions process can help students build a clear perspective on how much college will cost depending on where they get accepted.


💡 Quick Tip: Even if you don’t think you qualify for financial aid, you should fill out the FAFSA form. Many schools require it for merit-based scholarships, too. You can submit it as early as Oct. 1.

The Takeaway

The college admissions process can be intense, and standardized tests are only one part of the puzzle. Fortunately, you can minimize stress by taking your time, doing research, and asking questions early. Carefully considering where you want to go to school, how you’ll pay for it, and what will make the experience successful for you can help you choose the school that is the right fit for you.

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.

FAQ

What are the main reasons students might consider opting out of standardized testing?

Students might opt out due to stress, lack of relevance to their academic goals, and concerns about the fairness and accuracy of the tests.

What are the potential drawbacks of opting out of standardized tests?

Opting out can limit opportunities for scholarships, certain college admissions, and may be seen as a lack of preparation or commitment by some institutions.

What are some alternatives to standardized testing for demonstrating academic ability?

Alternatives include strong grades, challenging coursework, teacher recommendations, personal essays, and extracurricular activities that showcase skills and achievements.


Photo credit: iStock/FreshSplash

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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A woman in a high school graduation cap looks up thoughtfully, symbolizing college success and opportunity.

Pros & Cons of Being a Double Major

Double majoring certainly has its perks. It gives you the freedom to study more than one subject, allows you to become more well-rounded during your time in college, and could afford you the opportunity to study both a career path and a passion project at the same time.

However, deciding to become a double major is a big decision, as going after two majors could mean double the work.

Key Points

•  Double majoring allows studying two subjects, enhancing a broader learning experience.

•  It can widen potential job opportunities by showcasing diverse skills and preparing students for two fields.

•  Many double majors can still graduate within four years.

•  Double majoring may involve more studying and less time for extracurriculars.

•  Potential increased tuition costs should be weighed against the benefits of double majoring.

What Is a Double Major?

Though the term “double major” can vary from school to school, it typically refers to a student pursuing two different disciplines under one degree.

While in school, the student works to obtain enough credits for majors in those two disciplines. Usually, this means studying two fields based in the same school, which will earn the student the same type of degree, such as a Bachelor of Science (B.S.) or Bachelor of Arts (B.A.).

Classes, including general education classes, might overlap within the two majors, making it easier to complete both courses of study throughout a student’s education.

It’s important to note there is a distinction between a double major and a dual degree.

A dual degree can mean a student is pursuing two separate degrees. This could mean going after two degrees in two different fields (for example, getting a B.A. in English and a B.S. in Finance), or it could mean studying for a Bachelor’s and a Master’s degree at the same time.

Some schools may require you to apply for — and gain acceptance to — both degree programs, and you’ll likely need to finish all requirements (including general education classes) under both degrees.

Again, it’s important to check with your college or university to see how they define a “double major” or a “dual degree” to ensure you are going after the right program.

How Many People Pursue a Double Major?

Many students choose to go down the double major path while studying at college or university.

Though the exact number can vary from school to school, it typically ranges somewhere between 10% to 25% of the enrolled student body.

Before diving in and deciding to declare a double major, here are a few pros and cons to consider.

Pros of Declaring a Double Major

Getting to Study Two Areas at Once

Going after a double major can allow you to gain a broader learning experience than others as you expand your classes and curriculum. This means you can leave school with a deep understanding of two totally different topics.

It could also allow you to study something you believe is a direct career path for you, while also exploring an area you are passionate about. And hopefully, in your future career, you can meld the two skill sets together.

Recommended: A Guide to Choosing the Right College Major

Widening Potential Job Opportunities

By studying in two different areas, you may broaden your future career path. After all, having two majors under your belt means you are skilled at more than just one thing.

But, beyond this, employers may also look favorably on candidates with double majors because it shows they have a broad interest in many topics, can handle the pressures of an increased workload, and are ready and willing to take on new, larger tasks with ease.

Staying on Track for Graduating in Four Years

Because most double majors are completed under the same school within a college or university, you can typically still graduate within the standard four-year timeframe.

That’s because you will likely only have to take one set of general education requirements rather than with a dual degree program where you may need to take two.

Completing all of the coursework on time may take some strategic planning, however. If you have questions, consider speaking with your academic advisor, who may be able to provide helpful insight.

Cons of Declaring a Double Major

Next, consider the potential downsides of pursuing a double major.

More Studying

Because you may need to add on more credit hours to earn a double major, you might have to spend more time in classrooms and more time studying than your peers who are in pursuit of a single major.

This can also mean you’ll need to be highly organized and driven to go after a double major, and it might not be right for those who are not self-starters.

Less Time for Outside Interests

Because you will likely be in the classroom or library more often studying, having a double major might mean less time for outside interests and extracurricular activities.

And sure, one goes to college to study. However, it can also serve as an important developmental moment in one’s life.

Taking part in sports, clubs, or activities can help students learn and grow in different ways. It can help them connect with others and serve as a wonderful networking opportunity for future job interests.

It’s critical to weigh your options and make sure you know what you will have to give up to go after a double major.

Potential Increased Tuition

Because you may exceed baseline credit hours, you could end up paying more in tuition, which could mean accessing more federal and/or private student loans or more of them. Here’s why: Each credit hour can be costly, and going after a double major could be a significant investment.

Consider mapping out your coursework to determine exactly how many credits you’ll be required to complete, and how much extra this may cost.

Weigh the potential additional cost against the value having two majors could provide before declaring.

Recommended: 11 Strategies for Paying for College and Other Expenses

When It Makes the Most Sense to Double Major

In the end, this is a highly personal decision that students must make for themselves or with the guidance of a parent or counselor.

However, it may make sense for anyone who has more than one interest, who wants to broaden the scope of their schooling, or who feels as though a second major will help their future career prospects.

For example, students studying international business may find it helpful to their careers to add a second major in a language.

If someone believes that the return on investment — both in their time and, potentially, money — will be high, then a double major may be right for them.

One Alternative to Double Majoring

There is another way for a student to broaden their horizons and go after their passions throughout their education, and that’s with a minor.

While a major is a student’s main area of study, a minor can be a secondary area of study that requires fewer credit hours to complete than a second major.

Adding a minor can help you broaden your educational scope, allow you to further study areas you are passionate about, and help you walk away with more skills upon graduation.

While a minor doesn’t carry as much weight as a major, you can still list a minor on your resume, which could potentially help you impress recruiters during your post-graduation job search.

Being Financially Prepared to Go After Any Degree You Want

Whether you decide to go after one major, two majors, two degrees, a major and a minor, or any other combination, it’s important to be financially prepared for what’s ahead.

Knowing that you have enough funding for college can give you the freedom to explore different academic paths and pursuits without worrying about how you’ll cover the cost.

An important first step is to complete the Free Application for Federal Student Aid (FAFSA). This will let you know if you are eligible for any federal financial aid, which may include grants, scholarships, work-study, and federal student loans.

To fill in any gaps in funding, some students may also consider a private student loan via a bank, credit union, or online lender. To apply for a private student loan, students generally fill out a loan application either alone or with a student loan cosigner.

Unlike federal student loans, the amount a person qualifies for, along with what interest rate, is usually dependent on the applicant’s (or their cosigner’s) credit score and income, along with other factors.

While qualifying borrowers could secure a competitive interest rate when applying for a private student loan, it’s important to note that federal student loans offer borrower protections that private student loans may not.

These include deferment and forbearance, income-driven repayment plans, and some loan forgiveness programs. Benefits like these mean that students should generally turn to federal loan options before considering private student loans.

The Takeaway

Pursuing a double major can have advantages, such as allowing a student to pursue two fields of interest and then possibly having options career-wise after graduation. However, going after two majors can mean a heavy workload during your college years, and it may cost more than a single major as the credit hours add up. That said, if you are passionate about working to achieve a double major, there are funding options to consider, such as federal and private student loans.

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.

FAQ

What are the downsides of a double major?

Downsides of a double major include increased workload, additional requirements to graduate, and possibly additional tuition costs.

Is a double major worth it?

If a student is very interested in two fields of study, a double major can be a worthwhile pursuit. It allows a student to pursue their interests and may open doors career-wise in two different fields.

Is double majoring stressful?

Double majoring can be stressful as it often involves an increased workload. Using time management techniques can help you tackle the obligations of a double major without feeling overwhelmed.


SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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