The Science of Studying


In the life of a college student, surviving finals week never seems to get easier. This year, put science on your side by using these proven study tips. It might be a bit more work but, in the end your GPA will thank you!

1. Space Out Study Sessions – Try studying small amounts for each subject every day. Cramming for hours actually isn’t the best idea. The American Psychological Association says research has shown breaks in-between studying improves long-term memory of information.

2. Test your Knowledge – Take a mock test, even if you‘re sure you know it. “Decades of research has shown that making yourself recall information helps strengthen your long-term learning,” says Henry Roediger, PhD, a psychologist at Washington University.

3. “Interleaving” – Mix up the tasks and topics during a study session, says Los Angeles psychologist Robert Bjork, PhD. In his 2008 study, those who saw a mix of information were able to identify it significantly better.

Also, check out these FREE study Apps:

Evernote – Stay organized with checklists and notes

Quizlet – Create flashcards and matching games

Brainscape – Create SMART Flashcards

duolingo – Study foreign languages

Mindshift – Reduce stress and think positively


HealthyU™, powered by ACI Specialty Benefits, is a resource for students and faculty members of ACI’s wide range of student assistance program clients. The blog features everything from study tips and time management, to finding important items on a budget and the latest education-based apps and utilities. Want more college tips? Contact ACI Specialty Benefits at (800) 932-0034 or

Anna Goforth, Student Ambassador and College Blogger for ACI Specialty Benefits, is a Journalism and Public Relations student at Point Loma Nazarene University. Anna writes for ACI’s HealthyU™ blog while keeping up with college life. After moving from Alabama to California for college, Anna spent a semester abroad in London where she traveled throughout Europe.

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You Decide: Living on or off Campus

9.2.2015 campus or no

College is the time to figure out what it is that YOU like. That includes where to live. It is important to feel comfortable in your home, even if it is temporary.

Here are a few of the best things about living either on or off campus. Just remember that it is your college experience. If the traditional dorm and cafeteria life isn’t your style, that’s okay. You do you.

Living on Campus

FOOD- Pizza and ramen get old real quick. A major perk of living on campus is the easy cafeteria style meal plans that most schools offer. No, it’s not five star dining. But in the end it is cheaper and easier than ordering takeout every night. If cooking isn’t your thing, a meal plan is a must.

COMMUTE- Not a morning person? Getting an extra hour of sleep every day thanks to your short commute might be worth braving the dorms. For those of us who always seem to forget something, it is also convenient. Remember, you have your entire life to worry about traffic and parking.

SOCIALIZING- Random roommate assignments are terrifying. But those weirdos you get stuck with can end up being great friends you’d never meet otherwise. Sacrifice some privacy and be a part of the community. You’re never too old to enjoy having sleepovers with your bffs every night.

ACADEMICS- Keep your GPA high by keeping the library close. Attending random study groups or tutoring sessions is much easier when you’re located on to campus. Utilize those resources if you need them.

Living off Campus

KITCHENS- Can you really put a price on being able to cook a frozen pizza at 2 AM? Having a kitchen space puts you in control of your meals. It could also mean saving money on a meal plan and learning some great life skills.

FREEDOM- Living under your parents’ roof for the last 18 or so years might have left you desperate for some freedom. It’s time to spread those wings. You might feel like an adult for the first time when looking for an apartment and choosing roommates.

PRIVACY- Tired of having to wear pants all of the time? Having a room to yourself might be exactly what you need. Always having a quiet place to study or spend time with a significant other is another great perk.

LUXURY- This is a word that no one has ever used to describe on campus housing. If it is something you care about, it’s time to start commuting. Apartments and homes off campus typically come with much more living space.

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Branding Yourself Online

7.2.2015 millennial social branding

Millennials are known for being social media savvy. Most of our phones are filled with apps for connecting with others. If there’s something new trending- chances are we already know about it. Yes, getting your lip-syncing video on Vine’s popular page or over 100 likes on an Insta selfie is an accomplishment. But college is the time to start thinking bigger on branding yourself.

Give your social media a healthy makeover and do it now. It is likely that when you show up to your next job interview they have already Googled you. While everyone seems to focus on what you shouldn’t be posting, aka anything offensive or illegal. Here are some tips for what you SHOULD be doing online.

  1. Claim your Name- Claim your full first and last name on every social media site you can to make it easier for employers to find you. Check out Knowem to find out what is still available- before someone else does.
  1. Find Your Expertise- Have a running list of areas you could say you are an expert in prepared for future interviews. On LinkedIn, add these to your profile under skills. If you don’t have a LinkedIn, go make one right now!
  1. Professional Profile Pic- Making your social media look professional starts with the photo. Use the same one for every page. Check out IFTTT to update them all at once. Some of the pros say to choose a photo facing forward shows that you believe in your work or an action shot doing something related to your field.
  1. Privacy Options- Keeping all of your social media pages private might seem easiest, but having a social media footprint doesn’t have to be a bad thing. Show enough publicly for employers to look at your pages and see what you’re all about such your school, clubs and job.
  1. Monitor Mentions– See who is mentioning you online and if it is something you want posted. Talkwalker and Google Alerts can notify you anytime your name comes up online.
  1. Snazzy Headline- That small sentence under your name is like an ad for yourself. Make it a good one. We’ve all seen the generic- “coffee addict, Gemini, lover of life.” But if you can come up with something new you’ll get a lot more attention. Focus on key words of the field you’re in.
  1. Personal Website- Make things simple. Create a personal website to house all links to all of your social media pages on WordPress, Weebly or Square Space.

Want more college tips? Contact ACI Specialty Benefits at (800) 932-0034 or ACI can also be found on Twitter, Facebook,Google+,Pinterest, orYouTube.

Anna Goforth, Student Ambassador and College Blogger for ACI Specialty Benefits, is a Journalism and Public Relations student at Point Loma Nazarene University. Anna writes for ACI’s HealthyU™ blog while keeping up with college life. After moving from Alabama to California for college, Anna spent a semester abroad in London where she traveled throughout Europe.

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Is study abroad right for you?


Once you survive freshman year, your school’s campus starts to feel a little smaller and lot less daunting. If you find yourself missing the thrill of a new start, study abroad might be your perfect fix. We’ve all heard that getting the chance to try living in a foreign country can be a life changing experience. But with study abroad comes many more challenges than just taking a good passport picture and getting the right adapters.

If you’re still struggling to decide if you should pack your bags here are a few things to consider to before taking off.


  1. See the World- This might seem semi-obvious, but getting the chance to travel to new places can broaden your perspective. If you have yet to get a passport and go abroad, college is a great time to do it. Once graduation comes there will be student loans to pay off and that means a full time job. Take the chance now to try living in a new country for a few months while you still have the opportunity.
  2. Friends in New Places- Meeting new people is a huge part of going off to college. When studying abroad, you will be thrown into a brand new place where everything is unfamiliar, but fortunately so will the other students in your program. Not only will you bond with other study abroad students, but you will make friends in the country you’re visiting. Making foreign friends can mean a free couch to sleep on next time you go abroad.
  3. Break from the Stress- Yes, study abroad offers stresses of its own- the public WiFi never seems to work and the maps are always confusing. That being said, it can also be a great way to step away from the books. Even though you are still taking classes while abroad, many programs are set up to give you less work and more time off to travel.


  1. Money- Many study abroad programs are affordable and cost the same amount as a semester at your own school. Don’t forget, though, there are many of other costs to factor into your budget. For students with part time jobs while in school, it also means months out of work. The exchange rates, plane tickets, hostels, dinners with friends and numerous souvenirs add up fast.
  2. Getting Behind- Taking a break from a full load of classes might be exactly what you need for a semester. Unfortunately, when it comes to graduating the semester abroad can leave you behind on units. This could mean loading up on classes in your final semesters, taking a class during summer or even having to take another year to finish your degree.
  3. Homesickness- Homesickness might seem like something that you only experience as a child at summer camp. When going abroad, however, it can really affect your experience. The language, food, customs and people will all be completely new. Once the excitement wears off, it can you leave you feeling completely uncomfortable. Months of living this way can be way too much for some people, making a shorter trip abroad a better option.

Want more college tips? Contact ACI Specialty Benefits at (800) 932-0034 or ACI can also be found on Twitter, Facebook, Google+,Pinterest, orYouTube.

Anna Goforth, Student Ambassador and College Blogger for ACI Specialty Benefits, is a Journalism and Public Relations student at Point Loma Nazarene University. Anna writes for ACI’s HealthyU™ blog while keeping up with college life. After moving from Alabama to California for college, Anna spent a semester abroad in London where she traveled throughout Europe.

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LGBT Pride: Free support and resources for the LGBTQQI community

ACI Specialty Benefits celebrates LGBT Pride Month and is proud to offer tailored support and resources for our LGBTQQI clients and family. Whether or not you are an employee/student of an institution that provides ACI’s benefits, free resources and support are available at the following links. For further assistance or more information about ACI’s  Employee Assistance Program (EAP), SOAR Student Assistance Program, CORE Wellness and Leverage Concierge, email us at

Happy Pride!

AARP Pride

This is AARP’s online home for the lesbian, gay, bisexual and transgender (LGBT) community. The page is designed to spotlight articles on news, personal finance, relationships, travel and other topics of concern to older gay Americans, and their family and friends.

American Civil Liberties Union

For almost 100 years, the ACLU has worked to defend and preserve the individual rights and liberties guaranteed by the Constitution and laws of the United States.

Campus Pride Resources

Campus Pride represents the leading national nonprofit 501(c)(3) organization for student leaders and campus groups working to create a safer college environment for LGBTQ students. The organization is a volunteer-driven network “for” and “by” student leaders. The primary objective of Campus Pride is to develop necessary resources, programs and services to support LGBTQ and ally students on college campuses across the United States.

Family Equality Council

Family Equality Council is changing attitudes and policies to ensure all families are respected, loved, and celebrated – especially families with parents who are lesbian, gay, bisexual, or transgender. Family Equality Council is committed to bringing you the most up-to-date information in as easy-to-follow formats as possible. We strive to empower you to take action on behalf of your family in your daily lives and to do so in accessible, step-by-step ways.

Fenway Health Free LGBT Help Lines

Anonymous and confidential phone lines that offer lesbian, gay, bisexual, transgender, queer and questioning adults and young people a “safe place” to call for information, referrals, and support.


GLMA’s mission is to ensure equality in healthcare for lesbian, gay, bisexual and transgender (LGBT) individuals and healthcare providers.


Gay & Lesbian Advocates & Defenders (GLAD) is New England’s leading legal rights organization dedicated to ending discrimination based on sexual orientation, HIV status and gender identity and expression.


The Gay, Lesbian & Straight Education Network strives to assure that each member of every school community is valued and respected regardless of sexual orientation or gender identity/expression.

Human Right Campaign Resources

Working for Lesbian, Gay, Bisexual and Transgender Equal Rights. Through research, educational efforts and outreach, HRC encourages lesbian, gay, bisexual and transgender Americans to live their lives openly and seeks to change the hearts and minds of Americans to the side of equality.

IGLHRC Org Resources

The mission of the International Gay and Lesbian Human Rights Commission (IGLHRC) is to secure the full enjoyment of the human rights of all people and communities subject to discrimination or abuse on the basis of sexual orientation or expression, gender identity or expression, and/or HIV status.

Lambda Legal

Lambda Legal is a national organization committed to achieving full recognition of the civil rights of lesbians, gay men, bisexuals, transgender people and those with HIV through impact litigation, education and public policy work.

Matthew Shepard Foundation

The Matthew Shepard Foundation empowers individuals to embrace human dignity and diversity through outreach, advocacy and resources, effecting positive change.


The National Center for Lesbian Rights is a national legal organization committed to advancing the civil and human rights of lesbian, gay, bisexual, and transgender people and their families through litigation, public policy advocacy, and public education.

National Center for Transgender Equality

The National Center for Transgender Equality (NCTE) is a 501(c)3 social justice organization dedicated to advancing the equality of transgender people through advocacy, collaboration and empowerment.

National LGTB Cancer Network

The National LGBT Cancer Network works to improve the lives of LGBT cancer survivors and those at risk.


The NGLCC is committed to forming a broad-based coalition, representative of the various interests of LGBT owned and friendly businesses, professionals, and students of business for the purpose of promoting economic growth and prosperity of its members.

National LGBTQ Task Force

The National LGBTQ Task Force advances full freedom, justice and equality for LGBTQ people.

National Suicide Prevention Lifeline

No matter what problems you are dealing with, we want to help you find a reason to keep living. By calling 1-800-273-TALK (8255) you’ll be connected to a skilled, trained counselor at a crisis center in your area, anytime 24/7.

Out & Equal

Out & Equal Workplace Advocates™ educates and empowers organizations, human resources professionals, employee resource groups, and individual employees through programs and services that result in equal policies, opportunities, practices, and benefits in the workplace regardless of sexual orientation, gender identity, expression, or characteristics.

The Trevor Project

The Trevor Project is the leading national organization providing crisis intervention and suicide prevention services to lesbian, gay, bisexual, transgender and questioning (LGBTQ) young people ages 13-24. The Trevor Project operates the only nationwide, around-the-clock suicide prevention helpline for gay and questioning youth.

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How to get the most out of college

It’s no secret that college is a quick affair. One day you’re figuring out which building is where and which professor is which, the next you’re making your postgraduate plans.

Large group of students writing.So – how do you ensure you get a good return on your college investment when the years are seemingly flying by?

If you’re an incoming student, a current student, or just now looking to get backinto the classroom, these five tips will ensure you squeeze every experience you possibly can out of your college experience.

Spend your time wisely

For most students, college is the busiest time of their young lives. We go from long summers and short school days to nearly non-stop studying and weekends where we’re lucky if we can spare one or two evenings for ourselves. But this can be as much of a blessing as it is a curse, as it allows us to learn how to manage our time as well as pack as much as we can into a few short years.

The first thing to do? Write every deadline you get on a calendar as soon as you can. Look at this calendar every day. Where can you knock out an assignment early? Where can you squeeze in a chapter or even a few pages of your studying? By thinking proactively about your work, you’ll spend less time stressing and, when you do have time for some relaxation, you’ll feel content that you earned it rather than worrying about your workload in the back of your head.

Know when to splurge and when to save

Unless you’re cruising on a full-ride scholarship, have access to free books and materials and won a raffle for a paid-off apartment lease, money will play a huge factor throughout school. So rather than waiting for your finances to become a problem, attack your financial situation head-on. Make a budget that anticipates the big costs first, and track how well you stick to it.

As for your miscellaneous expenses, always ask yourself: a) How can I save a few extra bucks here?, and b) Why might splurging a bit in this scenario make sense? If you know there’s a way to save some dollars, for example by packing a lunch instead of eating out, do it. On the flip side, if spending a bit extra on a trip home or a more fuel efficient car can help youin the long run, bring the idea to someone with experience. Determining your money style can also help you plan your budget.

Value the life lessons

College is much more than just a long string of lectures, quizzes, midterms and finals. In fact, some of the most important things you will learn in college won’t even have anything to do with what’s written on the whiteboard.

The best way to get the most out of your investment is to treat every experience like a learning experience. Get out of your comfort zone, raise your hand, participate and ask questions. The more you put yourself out there–even if you’re not always in the mood–the more confidence you’ll have to continue to dream bigger.

Make meaningful relationships

It’s one thing to be a social butterfly who talks to everyone in class but has few actual lasting relationships. What’s even better, though, is to spend your time fostering lasting relationships with a few people who truly are on the same page as you.

This might not mean you come from similar backgrounds, or have all of the same interests, but when you click with someone, pursue that friendship. Study partners and peers can be the people that ultimately push you the furthest throughout college and beyond.

(Also, be sure to check out the basics of networking here.)

Don’t take things so seriously

You’ll learn quickly in college–if you haven’t already—that always taking things to heart will be the death of you. You forgot your assignment in your printer at home? Prep your materials the night before next time. You didn’t get the grade you wanted on that test? Tell the professor you’re disappointed and ask how you can improve. Your weekend coffee plans with friends fell through? It happens.

Nobody breezes through college, no matter how much it may seem some do from the outside. But rather than stress over every mistake or disappointment you face, don’t sweat the small things. You’ll find that the quicker you brush off the mishaps the quicker you’ll be able to collect yourself, learn from the setbacks, and keep on moving forward.

HealthyU_Harry (1)Want more college tips? Contact ACI Specialty Benefits at (800) 932-0034 or ACI can also be found on Twitter, Facebook, Google+, Pinterest, orYouTube.

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5 free apps that outshine your phone’s default calendar app

To the naked eye, the modern-day college student may seem more akin to a machine than a young intellectual as the expansion of higher education has led to students’ taking advantage of more opportunities than ever before.

Thankfully, however, one thing that students don’t have to spend hours of their valuable time doing is actually figuring out exactly how all their different classes and extracurricular activities fit into their day.

student_cell_phone_in_school_HInstead, several free calendar apps for iPhones and Androids mean that you can keep being the assignment-completing, study-grouping machine that you are without being at the mercy of your planner. Here are 5 such apps that cracked our list:


There are many reasons why CalenMob is not only a great calendar app, but a great student app. The reason? Canary makes it a breeze to sync up your Google events to your calendar. And since email and social media has become the go-to for millions of students for planning everything from study groups to birthday parties, it makes sense that your calendar puts an emphasis on being in tune with your social life.


There are many reasons Sunrise has quickly become one of the most popular electronic calendars for students who use iPhones or iPads. Sunrise can sync with most calendars, it’s ad-free, and, most uniquely, the app lets you plan your day by location, teaming up with Google Maps to make directions to your day one click away, saving busy students time.


Are you a student who is always on the go? Or do you find yourself always a part of several different groups like clubs or study teams? If so, Wave and its unique “predictive assistance” features may be right for you. Wave not only compiles your events into one easy calendar, it anticipates your schedule and sends you texts to remind you when to leave for events and even notes to your group when you are running a bit late.


Most students already use their phones to make lists and set tasks. If you’re someone who already does this with an app like Any.Do, Cal (an creation) not only syncs up your events to one calendar, it consolidates all notes and tasks even down to your grocery to one free app. The biggest plus, however, is probably Cal’s clean interface that doesn’t swarm iOS or Droid users with too much information at once.


Not every student goes to school in places where the weather is always 70 degrees and sunny. But thankfully, there’s Horizon, which is a one-of-a-kind calendar app that understands how much weather can play a part into students’ commute and how they plan their day. By placing all weather information directly next to your planned events, this free iPhone and iPad app takes the guessing out of what to wear and when to leave.

HealthyU_Harry (1)

Want more time management tips? Contact ACI Specialty Benefits at (800) 932-0034 or ACI can also be found on Twitter, Facebook, Google+, Pinterest, orYouTube.

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