Chances are up to know you've only interviewed for service or retail industry jobs that you've gotten right on the spot. Or your mom used some pretty sketchy nepotism to secure you that receptionist gig one summer — shhh, no one has to know.

But now it's onto the real world — making connections, interviewing well and making sure you're decently presentable are all new things you'll need to consider. Getting those crucial internships or fellowships will help you secure a much coveted spot in your industry

Mommy and daddy aren't going to hold your hand forever so you'll need some help to get going — here are seven interviewing tips to aid you and your peers.

1. Cater your resume to each job description

This probably sounds super tedious but if you can write a personalized cover letter for each job, you can alter your resume a bit too. Pay attention to specific skills, qualities and experience highlighted within the job description and make sure these appear first on your resume. And if you've cut out some related experience to shorten your resume, consider swapping them in for something that might not be as essential.

2. Prepare personal examples or anecdotes of key assets

If a job description emphasises leadership and teamwork, be ready to list a couple of personal examples that showcase these traits. Tell your interviewer about that one time you took charge on a group project or how you're so organized you keep two agendas — something related and quirky will definitely obtain and keep attention.

3. Show dedication and interest

If you're not enthusiastic about the job, why would they hire you? Even if you just need to pay the rent this summer, you can't let them know that's the only thing that motivates you. Pay attention to the goals and issues of the company and relate them to your own goals — this way, your interviewer will know you're going to put your 100% in.

4. Use appropriate body language

There's nothing I hate more than a weak handshake — it's like gripping a limp chicken that also has a weak personality and shows hesitancy. Your other body language will tell stories, too — slouching in your seat gives off unprofessionalism and not making eye contact will make you seem doubtful and unconfident. Be firm and strong minded in your actions — it'll definitely reflect a more secure and stable identity.

5. Prepare your own questions

At the end of every interview, they'll definitely ask you if you have any questions for them or the company. Even if you don't — ask. Take away something you heard from the interview or something you read online and form an intelligent question — it'll show that you were paying attention and expressing concern for the position.

6. Write thank you notes

Email a thank you note as soon as you get home or finish the interview — not only will they have a physical reminder of the interview, but it's also just common courtesy. Be sure to include any notable information from the interview and summarize again why you'd be a good match for this job.

Plus, you'll have another line of communication with them in case you have any follow up questions.

7. Practice makes perfect

It might seem silly to roleplay an interview, but you'll definitely be more comfortable once you do. Utilize your college's career services and set up a mock interview with an advisor or even just grab a friend. Google some common interview questions to answer and you should be all set.

So there you go — these tips will definitely not steer you wrong, but there are definitely many more things you can do to ensure the job. Practice and experience really does make perfect so the best thing to do is to dive right in.

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What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.

When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.

Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.

Federally backed mortgages include:

  • Fannie Mae
  • Freddie Mac
  • The Federal Housing Administration (FHA)
  • The US Department of Veteran Affairs (VA)
  • The US Department of Agriculture (USDA)

Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.

Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.

Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.

Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.

At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.

Possible Repayment Options:

You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.

Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.

For example:

Regular payment: $1000 per month

Reduced payment: $500 per month

Payment after forbearance period: $1500 (until caught up)

Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.

Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.

The Next Steps:

Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.

Have questions ready to ask. Here are some questions you should be asking:

  • What fees are associated with the forbearance?
  • What are all the repayment options available to you at the end of the forbearance?
  • Will you be charged interest during the forbearance period?

If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.


For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.