• Jesse Heaton

    Jesse Heaton

    Graduate Student
    Heyworth, IL
    Doctor of Physical Therapy

    Jesse's Bio:
    I graduated in 2015 with a B.S. in Exercise Physiology and am now in the Doctorate of Physical Therapy program here at CSS. I played on the baseball team at CSS for four years. I was also a statistics tutor and currently work as personal care assistant in Duluth. I love the outdoors, hunting fishing, hiking, etc. While being at St. Scholastica I have noticed the “family” atmosphere and I am truly enjoying every second of it.

  • Kathryn McCarrick

    Freshman
    Saint Paul, MN
    Elementary Education

    Brooke Elvehjem

    Junior
    Mora, MN
    Biology

    Neena Koslowski

    Junior
    Apple Valley, MN
    Management

    Daniela Moreno Gomez

    Senior
    San Salvador, El Salvador
    Computer Information Systems and Finance

  • Bryan Chavez

    Junior
    Richfield, MN
    Accounting and Finance

    Halle Nystrom

    Graduate Student
    Fargo, ND
    M.S. Health Information Management

    Jin Baek

    Senior
    Aurora, CO
    Biology and Chemistry (Pre-Med)

    Malvern Madondo

    Junior
    Harare, Zimbabwe
    Mathematics & Computer Science

  • Katelyn Gehling

    Freshman
    East Bethel, MN
    Exercise Physiology for Pre-Physical Therapy

    Takudzwa Munjanja

    Sophomore
    Gweru, Zimbabwe
    Health Information Management

    Shauney Moen

    Graduate Student
    Oak Grove, MN
    Doctorate of Physical Therapy

    Jesse Heaton

    Graduate Student
    Heyworth, IL
    Doctor of Physical Therapy

  • Jason Chavez

    Senior
    Minneapolis, MN
    Psychology, Organizational Behavior, and Social Work

Financial Advice

I just wanted to give a quick blurb about the importance of staying on top of your finances through college with hopes to help instill some financially savvy qualities. My graduate education will be ending here in the next couple of months. Thankfully, I have a job lined up. However, I also have a large amount of student loan debt lined up waiting for me as well.

So here are a few things I did okay with and a few things I wish I did better in regards to $$$ during the past few years.

  1. I wish I would have gotten a part-time job throughout school. I did have a few jobs here and there, but a steady job bringing in a decent amount of cash would of really helped to build up a savings.
  2. I did make a budget and spreadsheet every time I went to take out loans. I made sure I was going to make it through each semester, but was still living within my means.
  3. I wish I would have educated myself a little more in regards to loans, repayment, and interest rates. Some of the ugliness behind student loans are unavoidable, but you definitely want to know exactly what you are getting yourself into and ensuring that you are staying on top of things so that your student loans aren’t a big surprise when it comes time to pay them back.
  4. I made sure I had some sort of side income throughout the semester to help with spending cash. Over the course of my time at CSS, I have been a tutor, teaching assistant, graduate assistant baseball coach, student blogger, sports management assistant, personal care assistant, etc. Ask around and see what opportunities on campus are available to make some extra cash.
  5. I wish I would have watched the amount of money I spent on food outside of necessity. I think I spent way too much money on take out, fast-food, and DQ blizzards. Don’t get me wrong, there are times when you deserve a big burrito bowl or DQ blizzard after a solid performance on an exam. However, this should not become a habit and an area that is taking up the majority of your cash flow.
  6. I wish I would have assessed my spending a little bit closer, rather than just looking at my online checking account to make sure I was in $+.00. I think if I would of broken down my spending I would of been able to develop better habits early on with my money.
  7. I think I have done a good job at making my education a priority and a focus. I’ve treated my education as if it were an investment and I’m looking forward to the large return I’m going to get, not necessarily financially, but also as a person in the healthcare field.
  8. More recently I have done a good job at thinking about and developing a plan of how I will be paying my student loans off. I’ve delved into some literature, including Dave Ramsey’s, “The Total Money Makeover”. I’ve discussed loan repayment options with the owner of FitBux who has helped me understand my loans and the best options of repayment for me. I have also been contemplating adding on some PRN, as needed, work in addition to my full-time job once that begins.

Take my financial quick tips however you would like and know that everyones’ situation is unique, but I think we can definitely learn from one another’s situations and help to make our own that much better!

“The Total Money Makeover” by Dave Ramsey that I received for Christmas this past year! It is finally getting the dust knocked off of it as my transition into the “real-world” is approaching quickly.

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