{"id":217,"date":"2016-02-03T16:45:38","date_gmt":"2016-02-03T16:45:38","guid":{"rendered":"https:\/\/courses.candelalearning.com\/lumencollegesuccess\/?post_type=chapter&#038;p=217"},"modified":"2016-10-12T22:37:57","modified_gmt":"2016-10-12T22:37:57","slug":"personal-finance-needs-alt-text","status":"publish","type":"chapter","link":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/chapter\/personal-finance-needs-alt-text\/","title":{"raw":"Personal Finance","rendered":"Personal Finance"},"content":{"raw":"<a href=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images\/wp-content\/uploads\/sites\/339\/2016\/09\/22182451\/5734854387_f7bd428ec9_z.jpg\"><img class=\"aligncenter size-full wp-image-1300\" src=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images\/wp-content\/uploads\/sites\/339\/2016\/09\/22182451\/5734854387_f7bd428ec9_z.jpg\" alt=\"open palm holding miniature dollar bills\" width=\"640\" height=\"479\" \/><\/a>\r\n<blockquote>The cost of college should never discourage anyone from going after a valuable degree. \u2013Arne Duncan, former United States Secretary of Education<\/blockquote>\r\n<div class=\"textbox learning-objectives\">\r\n<h3>Learning Objectives<\/h3>\r\nBy the end of this section, you will be able to:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\">Identify sources of major and minor expenses in your life<\/li>\r\n \t<li style=\"font-weight: 400;\">Identify sources of income in your life<\/li>\r\n \t<li style=\"font-weight: 400;\">Set financial goals and priorities for yourself<\/li>\r\n<\/ul>\r\n<\/div>\r\nCollege students often have money concerns, such as affording college while still paying other bills. These concerns can affect\u00a0their academic success. For instance, money problems are stressful and can prevent students from concentrating on their studies. Or, if students have a lot of personal expenses, they may\u00a0try to work more hours to cover costs of living, leaving them with less time to study. Worse yet, some money problems, such as extreme debt, may cause students to drop out of college entirely.\r\n\r\nAnalyzing one's\u00a0financial responsibilities and planning ways\u00a0to pay for expenses can help reduce stress. In this section, we identify common personal expenses, sources of income, and explore steps for creating financial goals.\r\n<h2>Expenses<\/h2>\r\nCollege students are diverse and may\u00a0be in different stages of their lives. For example, some students may\u00a0have just graduated from high school, while other may\u00a0be older and have\u00a0families. While these differences\u00a0will have an impact on financial responsibilities, there are certain financial obligations most college students have to pay for. Some are more expensive, like tuition, while others are less pricey but still important, like books and food. The following list describes basic expenses associated with college:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\"><strong>Tuition<\/strong>: This includes the price for attending an institution. Students pay relatively more or less for this based on where they\u2019re going to school and how many credits they\u2019re taking.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Room and board<\/strong>: These are essentially \"food and shelter\" costs. Many college students live in a dorm and eat their meals on campus. Students who live off campus will have to pay for comparable\u00a0things, like renting an apartment and buying their own groceries.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Books and supplies<\/strong>: These include\u00a0books for classes and supplies like notebooks, writing utensils, and calculators. Textbooks\u00a0are often very expensive, so many students try to find\u00a0used textbooks for sale.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Personal needs<\/strong>: Regardless of where students live, they typically need money for things like laundry, cell phones, computers, and going out with friends. This expense can vary a lot depending on personal preferences. For instance, some students\u00a0may prefer to make their own meals while others may prioritize eating out.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Transportation<\/strong>: Students who commute by car or need to drive to off-campus activities will need to consider the price of car insurance, maintenance, and gas. Students who attend college in more urban areas may\u00a0also have public-transportation expenses.<\/li>\r\n<\/ul>\r\nWhat types of expenses do you think you might face as a college student? The following video will help you review the types of college expenses and examine particular\u00a0costs that are common for both four-year and two-year institutions.\r\n\r\nhttps:\/\/youtu.be\/lbp2LoE1WdU\r\n<div class=\"textbox exercises\">\r\n<h3>Activity:\u00a0Financial Wellness<\/h3>\r\n<h4>Objectives<\/h4>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\">Identify sources of major and minor expenses in your life<\/li>\r\n \t<li style=\"font-weight: 400;\">Identify sources of income in your life<\/li>\r\n \t<li style=\"font-weight: 400;\">Set financial goals and priorities for yourself<\/li>\r\n<\/ul>\r\n<h4>Directions<\/h4>\r\n<ul>\r\n \t<li>Identify two larger college expenses and two smaller college expenses that you are responsible for. For example, tuition might be a large college expense while notebooks and folders might be smaller ones.<\/li>\r\n \t<li>Describe any sources of income you currently have to cover these expenses.<\/li>\r\n \t<li>Explain three financial goals you have for covering your college expenses. For example, you might want to consider work study or taking out another loan.<\/li>\r\n \t<li>Follow your instructor\u2019s guidelines for submitting assignments.<\/li>\r\n<\/ul>\r\n<\/div>\r\n<h2>Sources of Income<\/h2>\r\nPaying for college is a big challenge, but the following financial\u00a0resources can help:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\"><strong>Jobs<\/strong>: Full-time students may\u00a0find part-time work on or off campus, while part-time students may\u00a0work during the day and then take evening classes. Students can also talk to their guidance counselor and financial resource department about work-study opportunities, which allow students to receive money for completing work related to their studies.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Free Application for Federal Student Aid (FAFSA)<\/strong>: This free application, available <a href=\"https:\/\/fafsa.ed.gov\/\">here<\/a>,\u00a0requires\u00a0students to answer questions regarding their background and personal finances in order to find out how much financial assistance they might qualify for. The\u00a0financial assistance comes in the form of government loans, grants, work study, or scholarships. Financial aid will be discussed in greater detail later in this module.<\/li>\r\n<\/ul>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\"><strong>Loans<\/strong>: Students can apply for federal loans or personal loans through banks. Loans accrue interest and eventually need to be paid back.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Grants and scholarships<\/strong>: Students can apply for grants and scholarships through their institutions, local businesses, or online organizations. Scholarships may\u00a0be awarded on the basis of\u00a0merit (grades, achievements, volunteer work, etc.), financial need\u00a0(economic status), or some other set of criteria\u00a0(achievements and ethnic background, for instance). Unlike loans, grants and scholarships don\u2019t need to be paid back.<\/li>\r\n<\/ul>\r\n<h2>Setting Financial Goals<\/h2>\r\nSetting financial goals for yourself is one of the best ways to track and manage your expenses. The following strategies can help:\r\n<ul>\r\n \t<li style=\"font-weight: 400;\"><strong>Create SMART goals<\/strong>: <em>SMART<\/em> stands for <em>specific, measurable, attainable, realistic<\/em>, and <em>timely<\/em>. These kinds\u00a0of goals are more manageable\u00a0and can\u00a0help you reach your final\u00a0target more easily. For example, instead of setting a\u00a0broad, vague goal of \"paying for college,\" you might set a goal of paying off your two college loans five years after you graduate. This more specific, measurable goal can\u00a0help you keep track of your progress and whether you need to make changes to reach it.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Monitor your spending<\/strong>: Try keeping track of what you spend money on during a one-month period.\u00a0This can\u00a0help you see where your money goes and where you may be able to save.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Create a budget<\/strong>: Based on what you discovered after monitoring your spending, create a monthly budget you can stick to. While some expenses, such as food and transportation,\u00a0are necessary, you may\u00a0find that you can save money\u00a0on both by riding a\u00a0bike (instead of driving) to school and eating out in restaurants less.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Consider working<\/strong>: Some students have full-time jobs while attending\u00a0college, whereas others may not have a lot of time to work if they're taking a full academic load. Depending on your circumstances, it's worth looking into employment opportunities both on and off campus. Even if you feel like only a couple hours of work per week are possible, it\u00a0could help you pay for something like books so you have one less thing to worry about when\u00a0you graduate.<\/li>\r\n \t<li style=\"font-weight: 400;\"><strong>Choose loans wisely<\/strong>: Many college students need some sort of financial support through loans. While loans are a good way to pay for tuition up front if\u00a0you don't have\u00a0the money, remember that\u00a0they\u00a0accrue interest until you pay them off. That means that you will end up paying back more\u2014in some cases, thousands of dollars more\u2014than you initially borrowed. Make sure you investigate and apply for as many scholarships and grants as you can (since they won't need to be repaid), and shop around for the loans with the lowest interest rates and best repayment plans. Check with the financial aid office on your college campus\u2014they can provide additional help.<\/li>\r\n<\/ul>\r\nThese are only some steps you can take for creating college financial goals, but it\u2019s important to find the right ones for you.\r\n\r\nNow that we've learned about different types of income (scholarships, work, loans) and different costs (tuition, class supplies, costs of living) students may have, take a moment to reflect on your own financial situation. Can you think of any ways to improve your spending habits?\r\n\r\nTake a look at the following activity, in which we'll look at three college students and the financial decisions they made in order to be able to afford their education.\r\n\r\n<center><iframe src=\"https:\/\/www.oppia.org\/explore\/w2_pbtWiZBt1?iframed=true\" width=\"700\" height=\"1200\"><\/iframe><\/center><a href=\"financial-management-text-version\/\" target=\"_blank\">Click here for a text-only version of the activity.<\/a>\r\nhttps:\/\/assessments.lumenlearning.com\/assessments\/875","rendered":"<p><a href=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images\/wp-content\/uploads\/sites\/339\/2016\/09\/22182451\/5734854387_f7bd428ec9_z.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1300\" src=\"https:\/\/s3-us-west-2.amazonaws.com\/courses-images\/wp-content\/uploads\/sites\/339\/2016\/09\/22182451\/5734854387_f7bd428ec9_z.jpg\" alt=\"open palm holding miniature dollar bills\" width=\"640\" height=\"479\" \/><\/a><\/p>\n<blockquote><p>The cost of college should never discourage anyone from going after a valuable degree. \u2013Arne Duncan, former United States Secretary of Education<\/p><\/blockquote>\n<div class=\"textbox learning-objectives\">\n<h3>Learning Objectives<\/h3>\n<p>By the end of this section, you will be able to:<\/p>\n<ul>\n<li style=\"font-weight: 400;\">Identify sources of major and minor expenses in your life<\/li>\n<li style=\"font-weight: 400;\">Identify sources of income in your life<\/li>\n<li style=\"font-weight: 400;\">Set financial goals and priorities for yourself<\/li>\n<\/ul>\n<\/div>\n<p>College students often have money concerns, such as affording college while still paying other bills. These concerns can affect\u00a0their academic success. For instance, money problems are stressful and can prevent students from concentrating on their studies. Or, if students have a lot of personal expenses, they may\u00a0try to work more hours to cover costs of living, leaving them with less time to study. Worse yet, some money problems, such as extreme debt, may cause students to drop out of college entirely.<\/p>\n<p>Analyzing one&#8217;s\u00a0financial responsibilities and planning ways\u00a0to pay for expenses can help reduce stress. In this section, we identify common personal expenses, sources of income, and explore steps for creating financial goals.<\/p>\n<h2>Expenses<\/h2>\n<p>College students are diverse and may\u00a0be in different stages of their lives. For example, some students may\u00a0have just graduated from high school, while other may\u00a0be older and have\u00a0families. While these differences\u00a0will have an impact on financial responsibilities, there are certain financial obligations most college students have to pay for. Some are more expensive, like tuition, while others are less pricey but still important, like books and food. The following list describes basic expenses associated with college:<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Tuition<\/strong>: This includes the price for attending an institution. Students pay relatively more or less for this based on where they\u2019re going to school and how many credits they\u2019re taking.<\/li>\n<li style=\"font-weight: 400;\"><strong>Room and board<\/strong>: These are essentially &#8220;food and shelter&#8221; costs. Many college students live in a dorm and eat their meals on campus. Students who live off campus will have to pay for comparable\u00a0things, like renting an apartment and buying their own groceries.<\/li>\n<li style=\"font-weight: 400;\"><strong>Books and supplies<\/strong>: These include\u00a0books for classes and supplies like notebooks, writing utensils, and calculators. Textbooks\u00a0are often very expensive, so many students try to find\u00a0used textbooks for sale.<\/li>\n<li style=\"font-weight: 400;\"><strong>Personal needs<\/strong>: Regardless of where students live, they typically need money for things like laundry, cell phones, computers, and going out with friends. This expense can vary a lot depending on personal preferences. For instance, some students\u00a0may prefer to make their own meals while others may prioritize eating out.<\/li>\n<li style=\"font-weight: 400;\"><strong>Transportation<\/strong>: Students who commute by car or need to drive to off-campus activities will need to consider the price of car insurance, maintenance, and gas. Students who attend college in more urban areas may\u00a0also have public-transportation expenses.<\/li>\n<\/ul>\n<p>What types of expenses do you think you might face as a college student? The following video will help you review the types of college expenses and examine particular\u00a0costs that are common for both four-year and two-year institutions.<\/p>\n<p><iframe loading=\"lazy\" id=\"oembed-1\" title=\"What is the Price of College?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/lbp2LoE1WdU?feature=oembed&#38;rel=0\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<div class=\"textbox exercises\">\n<h3>Activity:\u00a0Financial Wellness<\/h3>\n<h4>Objectives<\/h4>\n<ul>\n<li style=\"font-weight: 400;\">Identify sources of major and minor expenses in your life<\/li>\n<li style=\"font-weight: 400;\">Identify sources of income in your life<\/li>\n<li style=\"font-weight: 400;\">Set financial goals and priorities for yourself<\/li>\n<\/ul>\n<h4>Directions<\/h4>\n<ul>\n<li>Identify two larger college expenses and two smaller college expenses that you are responsible for. For example, tuition might be a large college expense while notebooks and folders might be smaller ones.<\/li>\n<li>Describe any sources of income you currently have to cover these expenses.<\/li>\n<li>Explain three financial goals you have for covering your college expenses. For example, you might want to consider work study or taking out another loan.<\/li>\n<li>Follow your instructor\u2019s guidelines for submitting assignments.<\/li>\n<\/ul>\n<\/div>\n<h2>Sources of Income<\/h2>\n<p>Paying for college is a big challenge, but the following financial\u00a0resources can help:<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Jobs<\/strong>: Full-time students may\u00a0find part-time work on or off campus, while part-time students may\u00a0work during the day and then take evening classes. Students can also talk to their guidance counselor and financial resource department about work-study opportunities, which allow students to receive money for completing work related to their studies.<\/li>\n<li style=\"font-weight: 400;\"><strong>Free Application for Federal Student Aid (FAFSA)<\/strong>: This free application, available <a href=\"https:\/\/fafsa.ed.gov\/\">here<\/a>,\u00a0requires\u00a0students to answer questions regarding their background and personal finances in order to find out how much financial assistance they might qualify for. The\u00a0financial assistance comes in the form of government loans, grants, work study, or scholarships. Financial aid will be discussed in greater detail later in this module.<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Loans<\/strong>: Students can apply for federal loans or personal loans through banks. Loans accrue interest and eventually need to be paid back.<\/li>\n<li style=\"font-weight: 400;\"><strong>Grants and scholarships<\/strong>: Students can apply for grants and scholarships through their institutions, local businesses, or online organizations. Scholarships may\u00a0be awarded on the basis of\u00a0merit (grades, achievements, volunteer work, etc.), financial need\u00a0(economic status), or some other set of criteria\u00a0(achievements and ethnic background, for instance). Unlike loans, grants and scholarships don\u2019t need to be paid back.<\/li>\n<\/ul>\n<h2>Setting Financial Goals<\/h2>\n<p>Setting financial goals for yourself is one of the best ways to track and manage your expenses. The following strategies can help:<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><strong>Create SMART goals<\/strong>: <em>SMART<\/em> stands for <em>specific, measurable, attainable, realistic<\/em>, and <em>timely<\/em>. These kinds\u00a0of goals are more manageable\u00a0and can\u00a0help you reach your final\u00a0target more easily. For example, instead of setting a\u00a0broad, vague goal of &#8220;paying for college,&#8221; you might set a goal of paying off your two college loans five years after you graduate. This more specific, measurable goal can\u00a0help you keep track of your progress and whether you need to make changes to reach it.<\/li>\n<li style=\"font-weight: 400;\"><strong>Monitor your spending<\/strong>: Try keeping track of what you spend money on during a one-month period.\u00a0This can\u00a0help you see where your money goes and where you may be able to save.<\/li>\n<li style=\"font-weight: 400;\"><strong>Create a budget<\/strong>: Based on what you discovered after monitoring your spending, create a monthly budget you can stick to. While some expenses, such as food and transportation,\u00a0are necessary, you may\u00a0find that you can save money\u00a0on both by riding a\u00a0bike (instead of driving) to school and eating out in restaurants less.<\/li>\n<li style=\"font-weight: 400;\"><strong>Consider working<\/strong>: Some students have full-time jobs while attending\u00a0college, whereas others may not have a lot of time to work if they&#8217;re taking a full academic load. Depending on your circumstances, it&#8217;s worth looking into employment opportunities both on and off campus. Even if you feel like only a couple hours of work per week are possible, it\u00a0could help you pay for something like books so you have one less thing to worry about when\u00a0you graduate.<\/li>\n<li style=\"font-weight: 400;\"><strong>Choose loans wisely<\/strong>: Many college students need some sort of financial support through loans. While loans are a good way to pay for tuition up front if\u00a0you don&#8217;t have\u00a0the money, remember that\u00a0they\u00a0accrue interest until you pay them off. That means that you will end up paying back more\u2014in some cases, thousands of dollars more\u2014than you initially borrowed. Make sure you investigate and apply for as many scholarships and grants as you can (since they won&#8217;t need to be repaid), and shop around for the loans with the lowest interest rates and best repayment plans. Check with the financial aid office on your college campus\u2014they can provide additional help.<\/li>\n<\/ul>\n<p>These are only some steps you can take for creating college financial goals, but it\u2019s important to find the right ones for you.<\/p>\n<p>Now that we&#8217;ve learned about different types of income (scholarships, work, loans) and different costs (tuition, class supplies, costs of living) students may have, take a moment to reflect on your own financial situation. Can you think of any ways to improve your spending habits?<\/p>\n<p>Take a look at the following activity, in which we&#8217;ll look at three college students and the financial decisions they made in order to be able to afford their education.<\/p>\n<div style=\"text-align: center;\"><iframe loading=\"lazy\" src=\"https:\/\/www.oppia.org\/explore\/w2_pbtWiZBt1?iframed=true\" width=\"700\" height=\"1200\"><\/iframe><\/div>\n<p><a href=\"financial-management-text-version\/\" target=\"_blank\">Click here for a text-only version of the activity.<\/a><br \/>\n\t<iframe id=\"lumen_assessment_875\" class=\"resizable\" src=\"https:\/\/assessments.lumenlearning.com\/assessments\/load?assessment_id=875&#38;embed=1&#38;external_user_id=&#38;external_context_id=&#38;iframe_resize_id=lumen_assessment_875\" frameborder=\"0\" style=\"border:none;width:100%;height:100%;min-height:400px;\"><br \/>\n\t<\/iframe><\/p>\n\n\t\t\t <section class=\"citations-section\" role=\"contentinfo\">\n\t\t\t <h3>Candela Citations<\/h3>\n\t\t\t\t\t <div>\n\t\t\t\t\t\t <div id=\"citation-list-217\">\n\t\t\t\t\t\t\t <div class=\"licensing\"><div class=\"license-attribution-dropdown-subheading\">CC licensed content, Original<\/div><ul class=\"citation-list\"><li>Personal Finance. <strong>Authored by<\/strong>: Jolene Carr. <strong>Provided by<\/strong>: Lumen Learning. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\">CC BY: Attribution<\/a><\/em><\/li><\/ul><div class=\"license-attribution-dropdown-subheading\">CC licensed content, Shared previously<\/div><ul class=\"citation-list\"><li>Image of palm with miniature money. <strong>Authored by<\/strong>: frankieleon. <strong>Located at<\/strong>: <a target=\"_blank\" href=\"https:\/\/flic.kr\/p\/9JLCpM\">https:\/\/flic.kr\/p\/9JLCpM<\/a>. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\">CC BY: Attribution<\/a><\/em><\/li><li>Financial Success Journal. <strong>Authored by<\/strong>: Ronda Dorsey Neugebauer. <strong>Provided by<\/strong>: Chadron State College. <strong>Project<\/strong>: Kaleidoscope Open Course Initiative. <strong>License<\/strong>: <em><a target=\"_blank\" rel=\"license\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\">CC BY: Attribution<\/a><\/em><\/li><\/ul><div class=\"license-attribution-dropdown-subheading\">All rights reserved content<\/div><ul class=\"citation-list\"><li>What is the Price of College?. <strong>Authored by<\/strong>: Ed NCES. <strong>Located at<\/strong>: <a target=\"_blank\" href=\"https:\/\/youtu.be\/lbp2LoE1WdU\">https:\/\/youtu.be\/lbp2LoE1WdU<\/a>. <strong>License<\/strong>: <em>All Rights Reserved<\/em>. <strong>License Terms<\/strong>: Standard YouTube License<\/li><\/ul><\/div>\n\t\t\t\t\t\t <\/div>\n\t\t\t\t\t <\/div>\n\t\t\t <\/section>","protected":false},"author":277,"menu_order":1,"template":"","meta":{"_candela_citation":"[{\"type\":\"cc\",\"description\":\"Image of palm with miniature money\",\"author\":\"frankieleon\",\"organization\":\"\",\"url\":\"https:\/\/flic.kr\/p\/9JLCpM\",\"project\":\"\",\"license\":\"cc-by\",\"license_terms\":\"\"},{\"type\":\"copyrighted_video\",\"description\":\"What is the Price of College?\",\"author\":\"Ed NCES\",\"organization\":\"\",\"url\":\"https:\/\/youtu.be\/lbp2LoE1WdU\",\"project\":\"\",\"license\":\"arr\",\"license_terms\":\"Standard YouTube License\"},{\"type\":\"cc\",\"description\":\"Financial Success Journal\",\"author\":\"Ronda Dorsey Neugebauer\",\"organization\":\"Chadron State College\",\"url\":\"\",\"project\":\"Kaleidoscope Open Course Initiative\",\"license\":\"cc-by\",\"license_terms\":\"\"},{\"type\":\"original\",\"description\":\"Personal Finance\",\"author\":\"Jolene Carr\",\"organization\":\"Lumen Learning\",\"url\":\"\",\"project\":\"\",\"license\":\"cc-by\",\"license_terms\":\"\"}]","CANDELA_OUTCOMES_GUID":"","pb_show_title":"on","pb_short_title":"","pb_subtitle":"","pb_authors":[],"pb_section_license":""},"chapter-type":[],"contributor":[],"license":[],"class_list":["post-217","chapter","type-chapter","status-publish","hentry"],"part":135,"_links":{"self":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/217","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters"}],"about":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/types\/chapter"}],"author":[{"embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/users\/277"}],"version-history":[{"count":23,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/217\/revisions"}],"predecessor-version":[{"id":1328,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/217\/revisions\/1328"}],"part":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/parts\/135"}],"metadata":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapters\/217\/metadata\/"}],"wp:attachment":[{"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/media?parent=217"}],"wp:term":[{"taxonomy":"chapter-type","embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/pressbooks\/v2\/chapter-type?post=217"},{"taxonomy":"contributor","embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/contributor?post=217"},{"taxonomy":"license","embeddable":true,"href":"https:\/\/courses.lumenlearning.com\/nvrcte-sandbox-collegesuccess\/wp-json\/wp\/v2\/license?post=217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}