SPONSORED CONTENT CAMPUS CONNECTION toledoBlade.com , TOLEDO, ■ NOVEMBER 8, 2017 SECTION B PAGE 9

GET MORE @ toledoblade.com/campusconnection Your source for higher education news and information. UT Researcher Makes Discovery Low Default Rates on Student About Massive Stars as Part of Loans Refl ect Mercy College’s International Team of Astronomers Affordable Education For the fi rst time, of how stars lose mate- times hotter at the sur- Earlier this fall the committed to an afford- Currently Mercy Col- astronomers have rial, which then forms face. Massive stars are U.S. Department of able education. lege does not have any mapped the surface new stars and planets.” rare and usually travel Education released “We take great pride waiting lists for nurs- of a massive hot star, The team’s research in pairs. But Zeta the offi cial Fiscal in this incredibly low ing and allied health proving a decades-long appears in a paper Puppis fl ies solo — and Year 2014 three-year student loan default programs beginning in theory that hot spots on recently published in it fl ies fast. The star student loan default rate as it refl ects how both the spring (Janu- the star’s surface affect the Monthly Notices of hurtles through space rates. This rate refl ects in-demand Mercy ary) and fall (August) the behavior of stellar the Royal Astronomi- at 37 miles per second, borrowers from Oct. 1, College graduates 2018 semesters. Amy winds. A University of cal Society, one of the 60 times faster than a 2013 to Sept. 30, 2016 are,” Edgeworth said. Mergen, Director of Toledo astronomer was world’s leading astrono- speeding bullet. who defaulted on their “Our students fi nd Enrollment Manage- a member of the inter- my journals. Using a network of student loans. Mercy employment and can ment says, “Being a national research team For decades, astron- nanosatellites from College’s offi cial default repay their loans. part of Mercy Health, that made the ground- omers have theorized the “BRIght Target rate is 3.7 percent well Additionally, we are we have premier breaking discovery. that there were hot Explorer” (BRITE) below the Ohio average committed to keeping access to clinical sites “We’re now better spots on the surface space mission, of 13.7 percent and the tuition affordable. throughout Mercy able to understand how of massive stars that researchers monitored national average of Mercy College’s tuition Health’s facilities and massive stars send out affected stellar winds, the surface brightness 11.5 percent. Mercy’s is among the lowest of sometimes to more clin- material into space but they didn’t know of Zeta Puppis every rate is half that of pri- Ohio’s private colleges ical spaces. Students vate institutions with and universities and are often surprised that through their winds,” how those spots 100 minutes for six an average rate of 7.4 often comparable to they can get started so said Dr. Noel Rich- behaved or how they months in 2014. They percent and nearly half public universities. The quickly. Programs are ardson, postdoctoral impacted the winds. simultaneously moni- of four-year private low loan default rate competitive, so stu- research associate in To test that theory, tored the behavior of its schools with an average demonstrates the value dents are encouraged the UT Department of the research team chose stellar winds over time default rate of 7 per- that an investment in to apply soon for con- Physics and Astronomy, as its test subject a from several ground- cent (See chart). a Mercy College educa- sideration.” who was a member supergiant called Zeta based observatories. Lori Edgeworth, Vice tion provides.” Those interested in of the research team. Puppis, a massive star After correlating the President of Enroll- According to the preparing for a career “This research gives us 60 times larger than two sets of data, the ment and Strategic Bureau of Labor Statis- in healthcare are a better understanding the sun and seven team found that Zeta Planning, explains the tics, healthcare con- encouraged to visit importance of a low tinues to be a leading mercycollege.edu or loan default rate and job creator in the call 419-251-1313 to how Mercy College is United States (bls.gov). learn more.

Fiscal Fiscal Fiscal Fiscal STUDENT LOAN Year 2014 Year 2013 Year 2012 Year 2011 DEFAULT RATES 3-Year 3-Year 3-Year 3-Year Cohort Cohort Cohort Cohort Default Rate Default Rate Default Rate Default Rate

3.7% 6.0% 4.9% 5.5% National 11.5% 11.3% 11.8% 13.7% Ohio 13.6% 13.6% 14.6% 16.7% Private 7.4% 7.0% 6.8% 7.2% This artistic rendering depicts Zeta Puppis, massive star that astronomers studied to learn how hot spots affect 4-Year Private 7.0% 6.5% 6.3% 7.0% stellar winds. Dr. Noel Richardson, UT postdoctoral research associate, was a member of the international research team that made the groundbreaking discovery. (UT – cont. on page 11) TARTA Offers Transportation Options for 7 Toledo-Area Communities Toledo Area Regional nected routes carrying Hills, Rossford, Sylva- different Toledo-area 65 and over. Children 100 percent wheelchair- Transit Authority — 3.1 million passengers nia, Sylvania Township, colleges and universities under age 6 ride free accessible. TARTA also TARTA — has been per year in and around Toledo, and Waterville. including the University with an adult. has bike racks mounted of Toledo — all area cam- With monthly, unlim- on the front of all of its moving forward with the the Toledo area, TARTA College students and puses, , ited ride passes for just buses holding two bicy- Toledo region since 1971. serves the communities faculty ride TARTA to , $50, TARTA riders can cles independently. With over 30 intercon- of Maumee, Ottawa connect with several Davis College, Heidelberg save on their transpor- TARTA curb-to-curb University at Arrowhead tation costs by using any Call-A-Ride service oper- Park, Herzing Univer- of eight TARTA Park-N- ates in Maumee, Ottawa sity, Professional Skills Ride locations through- Hills, Rossford, Sylvania, Institute, and Stautzen- out the Toledo area. Sylvania Township, and berger College. Households that take Waterville. Passengers School route informa- public transportation, may connect to and from tion for grades K-12 is and live with one fewer TARTA regular line available at TARTA.com/ car can save hundreds service and other nearby schools. — even thousands — of Call-A-Rides. TARTA fare is $1.25 dollars per year. For persons with per person; 60 cents for All TARTA buses are disabilities preventing persons with disabilities equipped with lifts or them from using regular and senior citizens age ramps making them TARTA buses, there’s (TARTA – cont. on page 11) SECTION B, PAGE 10 toledoBlade.com Sponsored Content THE BLADE: TOLEDO, OHIO • WEDNESDAY, NOVEMBER 8, 2017 Strategies to Repay Student Loans as Quickly as Possible By Metro Creative Millions of people Canada is more than fret that they will still their budgets. Even if far faster than simply a home in accordance fund their college $19 billion, a figure be paying off student the repayment grace paying the minimum to their preestablished educations with student that reflects the cost of loans when their own period has just begun, each month. Many goal. loans. Such loans can college tuition rising children are ready to grads should build at homeowners employ • Live with a room- make it possible for more than 137 percent enroll in college or least the minimum this strategy with their mate or roommates. students to attend the in the last quarter university. The follow- required payment into mortgages, and grads Recent graduates very best universities century. 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But living with Student loan debt $37,173, a jaw drop- • Create a monthly as early as possible can goals can motivate a roommate or room- figures are staggering. ping 6 percent increase budget before the soften the blow once borrowers to maintain mates can free up more According to Debt.org, from the average debt repayment period the repayment period their financial disci- money for borrowers student loan debt in held by members of begins. Monthly bud- actually begins. pline, especially in to put toward repaying the United States is the class of 2015 upon gets are an essential • Pay more than those initial years after their student loans. roughly $1.2 trillion, graduation. element of sound finan- the minimum. Grads college when many Roommates share util- while the Canadian Paying down that cial planning, but grads will have a relatively new graduates struggle ity and cable/internet Federation of Students debt can seem like a should not wait until brief grace period to with money manage- bills, and room shares reports that educa- daunting task, but their repayment period start repaying their ment. Be specific about are often much less tion-related debt in recent grads need not begins to develop loans after graduating. goals, making sure to expensive than studio For those who are not pick a target date to or one-bedroom apart- going on to graduate repay student loans in ments. Many young or professional school, full. Grads who want professionals, especially that grace period may to become homeowners those moving to a new be six months. As the can work to achieve city for their first job, due date for that first that goal before age find living with room- payment draws near, 30. Once that goal has mates after college is grads will receive a been set, grads can also a great way to letter from their lend- research average home develop or expand a ers indicating their costs in their desired social network. overall debt and their areas. Such informa- Repaying student minimum monthly tion can motivate grads loans takes discipline, payment. Paying more to pay off their student but that discipline than that minimum loans as quickly as pos- is rewarded when monthly payment can sible so they can be on loans are repaid long help borrowers pay track to achieve their before reaching their off their student loans larger goal of buying maturity date. see more events visit www.Explore419.org

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START YOUR JOURNEY

GRADUATE DEGREE Nursing - Master of Science

BACHELOR’S DEGREES Biology Healthcare Administration Medical Imaging Nursing Puppis rotates at tre- Zeta Puppis. It proved structures in stellar Nursing/RN to BSN mendous speed — once what the astronomers winds that scatter more ASSOCIATE DEGREES every 1.78 days. In com- suspected: The struc- material into space. General Studies parison, our sun, which tures on the star’s sur- A team of more than Health Information Technology Nursing (Day and Evening/Weekend) is 60 times smaller, face were indeed there, 40 astronomers partic- Radiologic Technology takes almost a month to and these hot spots did ipated in the research. CREDIT CERTIFICATES rotate once. affect the star’s winds. The group included Community Health Worker Astronomers in the Astronomers have six amateur astrono- EMT past had never had mapped the surfaces of mers in Australia, New Medical Coding Ophthalmic Technology enough data to verify cooler stars, Richardson Zealand and Brazil, Paramedic their claims about hot said, but this is the fi rst who spent three to four Polysomnographic Technology spots and their effects time they’ve mapped a hours every night for INDICATES ONLINE PROGRAM on stellar winds. The hot star. They learned six months peering into new data allowed them that a brighter, hotter their telescopes and to map the surface of spot creates huge spiral collecting data.

(TARTA – continued from page 9) (TARTA – continued from page 9)

2221 Madison Avenue Toledo, Ohio 43604 Mercy College of Ohio is an equal opportunity institution. For information on the College’s 419.251.1313 or 888.80.MERCY policies on Civil Rights/Nondiscrimination and Title IX, please visit mercycollege.edu/compliance. mercycollege.edu

TARPS. TARPS oper- required to ride. Return holidays, 6:30 a.m.- ates in compliance with trips leave 20 minutes 3 p.m. Visit TARTA- the Americans with following each game’s tracker.com for details. Disabilities Act and conclusion. Every year, public covers the same service TARTA Tracker uses transportation reduces area as TARTA. Regis- predictive technology to our nation’s carbon tered TARPS users may help you locate nearby emissions by 41 million Calling All ride TARTA regular line stops, access real-time tons — equivalent to the Calling All and Call-A-Ride services route information. electricity used by 4.9 free of fare. Service is available million households. In TARTA Game Shut- on desktop and laptop fact, riding public trans- tles offer Park-N-Ride computers and mobile portation is one of the service from several devices. TARTA Tracker most signifi cant actions EarlyEarly BirdsBirds area locations for all is also accessible by call- one can take to reduce Mud Hens baseball ing TARTA customer their household carbon games at Fifth Third support at 419-243- emissions. Field and Walleye RIDE weekdays, 6 a.m.- For more information hockey games at Hun- 7 p.m.; Saturday, 8:30 about TARTA and all its tington Center. Fare is a.m. -5:30 p.m.; Sunday, services, visit TARTA.com $1.25; no game ticket is 9 a.m.-5:30 p.m.; and or call 419-243-RIDE.

CAMPUS CONNECTION publishing the $ second Wednesday EARN UP TO 1,000 PER MONTH, PART TIME of every month. Work as a home-delivery distributor during For advertising information, the morning hours of 2:00 am to 6:00 am. contact your Blade advertising representative Please send contact information to [email protected] or call 419-724-6300. (LOURDES– continued from page 9) or Sales Manager Kevin Matus at 419-724-6280.

For home delivery, call 419-724-6300. SECTION B , PAGE 12 toledoBlade.com Sponsored Content THE BLADE: TOLEDO, OHIO • WEDNESDAY, NOVEMBER 8, 2017 UT ROCKET MARCHING BAND

Program Music of Pixar You’ve Got a Friend in Me – Randy Newman TICKETS Ride – ZZ Ward Glory Days – Michael Giacchino All Seats $7 Panic! at the Disco DISCOUNTS - Groups of 10+ $6 each This is Gospel Groups of 20 get 2 free tix (20 tix, $140 value, for $108) L.A. Devotee Emperor’s New Clothes Order Tickets The UT Center for Performing Arts Box Office American Salute America (My Country ‘tis of Thee) – traditional Call 419.530.ARTS (2787) Armed Forces Salute – traditional God Bless the U.S.A. – Lee Greenwood Buy Online etix.com/ticket/v/11060/valentine-theatre Aloha, Rockets! (Tickets also available at the door) Fun, Fun, Fun/Barbara Ann – The Beach Boys Hawaii Five-O – Mort Stevens

Cirque du Soleil Distorted – Benoit Jutras Drive My Car – The Beatles

and more, in addition to traditional UT favorites!