Meet Natalia Panfilova, a 2017 graduate from the Ric Edelman College of Communication & Creative Arts. Natalia earned her bachelor’s in Public Relations without paying a single dollar for her degree.
According to Marketplace, roughly 70% of American students end up taking out loans to go to college. It was estimated that the average student leaves school with around $30,000 in debt. Not Natalia, though, and today she will share with us how this transfer student managed to graduate debt free.
Community College
Before coming to Rowan, Natalia went to Camden County College. She chose to attend community college because she knew she would save up more money that way. According to Saving for College, “Students can save as much as $30,000 or more by attending a community college instead of a private four-year college.” During community college, Natalia worked in full-time jobs that were taking care of her tuition payments. Also, during community college, one of Natalia’s friends told her to work with her at one of the Wyndham hotel chains in Atlantic City because the hotel chain would cover a part of her tuition. This opportunity was one of the reasons she managed to graduate debt free.
Tuition Reimbursement Jobs
Wyndham is one of many organizations that offer tuition reimbursements. Tuition reimbursement is when a company agrees to help pay for an employee to further his or her education. “All you have to do is prove that you can somehow apply your career skills to your job,” Natalia says. Natalia also received financial aid, but whatever was not covered by her job took care of it. “They would cover up my books and they would cover up to $4,000 per year. So, I actually didn’t pay anything out of pocket. I got to keep my salary, because I was a commuter,” Natalia says.
Commuter
When Natalia was at Rowan, she chose not to stay on campus and decided to commute from Brigantine, NJ (Atlantic County). She commuted an hour each day, but because she commuted and was able to schedule her classes in two days, she was able to work full time at the hotel.
She recommends students learn about finances: “Educate yourself in all things financial, the more you know the better. Just in life in general, if you know how debt works, how banks work, your life is going to be so much easier.”
What is Natalia Doing Now?
Natalia recently moved to New York City for her new position as a program marketing manager for WebMD. By being savvy with her spending, she was able to graduate debt free and become a homeowner. Graduating debt free allowed Natalia to travel worry-free and so far, she has visited 13 countries.
Like what you see? Learn more about becoming a Rowan transfer student!
Story by:
Iridian Gonzalez, senior journalism major
Photos courtesy of:
Natalia Panfilova
and say that the transition from high school to college was easy for me. I’m sure other people had smooth transitions and would love to share their stories, but for the people who are scared to move away, I want to let you know that you’re not alone.
I moved in a day before move-in day because I had a late orientation date. I had talked to my roommate before I moved in and we decided to live together because we were both 
During my first week of classes, I met professors who made sure I was comfortable and taking care of myself. I quickly learned that everyone cared about me and I wasn’t alone. I joined 
These are just three ways how I have gotten involved here at Rowan, but there are so many other ways to get involved.
His experience in leadership positions at Burlington County College, Rutgers University and Sussex County Community College (where he is currently the CFO and EVP of Administrative Services) inspired him to explore the differences in leadership styles between private educational institutes and higher education.
He came across the Ed.D. in Educational Leadership program at Rowan University through recommendations from colleagues who had had a positive experience in it. 
hear. It was definitely better than having to pick up the phone. It’s nice. 
individuals but still grow side by side. 
ing through Twitter, like most students, waiting for class to start. I saw a post from Rowan University about the transfer deadline and cruised to the main website. I found a big transfer button and thought, “Why not give it a shot?” Rowan was the only school I applied to transfer to, so this was all or nothing for me.
Engagement
Meet Anjeliah 
“Don’t listen to people who are trying to put your idea down,” Anjeliah says. “They might say that it’s a horrible idea or it’s too much money, but If you keep a growth mindset and not a fixed mindset, then you can literally do anything.”
Meet Zazu! 
“Zazu is a Seeing Eye puppy, and I’m in the Seeing Eye organization of Gloucester County. I’m taking him out for a walk right now while my friend is in class, but I’ve raised a Seeing Eye puppy before on my own, and it was an awesome experience. I definitely recommend getting involved!” – Ben Graham, 
Your name:
Ben graduated magna cum laude from Rowan’s highly competitive 
Ben’s academic career flourished after that first semester. He joined the 
Devin says he came to Rowan specifically for the music program, and he heavily credits his humble experiences here so far to his professors.
Do you work on campus? I worked in the 
and says video games have played an important role in his life since he was very young. 
Things are very upbeat and exciting here with plenty of events and tournaments. Tournaments range from multiple genres of video games, including fighting games, first-person shooters and sports games. However, it’s not limited to just video game tournaments. The Game Room offers a few distinctive and simplistic tournaments as well such as Jenga tournaments and even classic arcade game tournaments such as Dig Dug.
If you don’t really know where to start to meet other gamer students, this is the perfect place to start. If you have any kind of social anxiety, asking to join in a group of people playing a video game is a perfect starting point. With tons of games to play and a large quantity of people to talk to, social interaction is impossible to avoid.
Name: 
Share an “aha!” moment you’ve had within your major that made you feel passionate about your intended field. 
What is your area of expertise? 
However, I think that is not the right approach, since philosophy is rarely chosen for these ulterior reasons — students choose it for intrinsic reasons: the study of philosophy enriches one’s life and can make even the most mundane experiences redeemable via philosophical reflection. 
How is New Jersey different from Mississippi?
Ten toes in. This is the motto of 
Do you work on campus? If so, where/what do you do? Yes, I am a 
“It was terrifying at first. To travel alone, it takes a lot of courage and confidence. You have to be smart about what you’re doing and consider the language barrier,” Leann says. “This was a big jump for me. I didn’t even know who my roommates were until the day I moved in!” 
Pack some trail mix and water and slip on your sturdiest shoes, because it’s National Take A Hike Day and we’ve got three awesome trails near campus for you to explore!
1. Ceres Park – Mantua, 7-minute drive
3. Blueberry Hill Trail – Gibbsboro, 30-minute drive
Name:
Name:
Name:
What other things do you hope to accomplish during your time here at Rowan?
What else caught your attention about Rowan? The school was pretty diverse. I’m from Africa and in Africa we always treat each other like family, and we are all about feeling welcomed. So, I wanted to be in a place where people were welcoming and where I wouldn’t feel left out.
don’t know anyone at the event you come back knowing about 10 people. There was one time I went to this event, I think the African Student Association hosted it, I didn’t know anyone — at the end of the day I knew like 10 different people. I didn’t feel like an international student anymore. Everyone is included here; all the opportunities are for everyone. 
What’s your favorite thing about Rowan?
What inspired you to choose your major and the 4+1 program?
I took. But the major proponent that always puts me right back on track is my family, and how I would choose bioinformatics over nursing in a heartbeat.
wide variety of ceramics, color glazes and ideas to spark your creativity. 
Most ceramic pieces range from $3-$20, plus a studio fee of $8. Luckily, Fahrenheit offers discount specials throughout the week, so make sure to bring your student ID. 
What would you share with a future student interested in your major? I would tell them that Molecular and Cellular Biology is definitely a little harder than regular biology, because the engineering base classes, or statistics-based classes, are harder than the classes that biology students take. I would say that you get a better variety of subjects, you get to learn so many other things than what a regular bio major does. If you are looking to branch out in college in your education, but not to an extreme degree and if you don’t have enough time to take on a minor then taking a major where you have some flexibility in your classes is really good. If you want to experience something else besides regular science classes, then you should try Molecular and Cellular Biology.
How does your field impact the world? It’s very research based A lot of my professors that teach my classes actually do research, like cancer research, different blood pathogens research, different diseases research. There’s a lot of research that goes into it.
development and evaluation for minority communities, drowning prevention and aquatic safety among African American and Hispanic/Latino populations, youth development and culturally responsive teaching.
Share with us one aspect of student engagement that you enjoy most, and why? 
providing relevant physical education and physical activity may require collaborations beyond school. We do it because we know that students must be “global citizens” and culturally aware and be prepared to use strategies that will sustain them whether in the classroom and in life, for “a new world order is in the making, and it is up to us to prepare ourselves that we may take our rightful place in it” (el-Hajj Malik el-Shabazz, Malcolm X, 1963). 
With a few days left until the application deadline, I decided to apply to Rowan. I remembered touring it with my brother a few years prior and enjoying how it was a small and quaint school. Most people think applying as a transfer can be confusing, and it can be. However, Rowan’s process made applying simple and painless. I even received my acceptance letter a just few days later.
Before I knew it, I was all moved in. I cried as I didn’t want my family to leave because I was still scared to start this new chapter. But within a few days my worries subsided, and I found myself getting into the swing of my routine. I was starting classes, working on Rowan’s social media team and joining clubs, such as 
The name might give it away, but this place is centered around throwing axes. Each participant gets an axe when it is his/her turn, and a throwing coach to lead you through the adventure. Every coach is helpful and experienced, and there to make sure everything runs smoothly and everyone is having fun! You’ll be taught how to hold the axe, how to throw it at the target and get tips and tricks from your coach. It looks much easier than it actually is, but it only takes 10 minutes to get the hang of it and start getting bull’s eyes!
Share an “aha!” moment you’ve had within your discipline that made you feel passionate about your field
What is your area of expertise?
Today we talk to Erin O’Grady, a freshman 
Name:
Meet Elizabeth Hudak, a freshman 
What got you interested in your intended field? I began taking
