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 
Meet 
These are just three ways how I have gotten involved here at Rowan, but there are so many other ways to get involved.
wrote this article to start a health discussion.
Meet Roxy Urso, senior 
function, grow and recharge within just hours. When students decide to go into the next step in their lives and go to college, one of the things students lose is sleep. Most college students get an average of six hours of sleep each night, while the recommended amount of sleep for young adults is 7-9 hours a night (MayoClinic). When a person doesn’t get enough sleep each night, it can come with consequences.
of classes, and a complaint from your stomach reminds you that you haven’t eaten a meal since last night. Sometimes class schedules cut straight through normal meal times. Sometimes homework that’s due in a few hours takes priority over finding time to eat. Sometimes the 10-a-week meal plan just doesn’t cut it. But one way or another, sometimes we fill up on our morning coffee and don’t eat a meal for 18 hours or more. Perhaps the meals were replaced with snacks: a granola bar, goldfish, maybe a banana. Oh, well. It can’t be 
themselves displaying patterns of behaviors that may or may not reflect their values. 
Often, it is easier for young people to recognize abuse in intimate partnerships than in their immediate social circles. Commonly referenced in literature surrounding domestic abuse is the power and control wheel developed by the Domestic Abuse and Intervention Project in Duluth Minnesota (“Power and Control Wheels,” 2017). It details eight methods of power and control: coercion/threats, intimidation, emotional abuse, isolation, obfuscation, economic abuse, using children and using male privilege. While some elements of the Power and Control wheel may only apply to heteronormative intimate partnerships, others can be applied to all relationships. 
gmatization of eating disorders, but still little discussion about disordered eating behaviors that may not seem so obvious or extreme.” 
🥬 The Student Center: students use an app called Tapingo to place several orders at several kiosks so everything is made to order. About once a month, there is a pop-up kiosk voted in by students. For example, last year there were kiosks devoted to salads, soups, sandwiches and pasta. Check out the bean and cheese quesadillas at Sono; Freshens for a kale Caesar flatbread wrap; Jersey Mike’s for a veggie sub that comes with chips, cookies or fruit; and Bowl Life for vegans specializing in beans, grains and veggies in a bowl, of course!
“When you’ve been parenting for eighteen years, you’re just so used to having your student around,” says Cindy Bitzer, mother of two Rowan Students; senior business major Lauren Bitzer and senior computer science major Josh Bitzer. “It’s okay to be concerned about your student’s grades, social life, and other aspects of the college experience, but I’ve learned to recognize that you can’t manage their whole life.”
to eating healthy in a time management-friendly way is to prep all of your meals in advance. “Meal-prepping” can sound like an intimidating term reserved for the fitness-savvy and health freaks. In reality, it is very simple and can save unbelievable amounts of time for busy college students.
time to transfer to a four-year institution was approaching. I needed to decide quickly and be absolutely certain I made the right choice. Eventually I came to the aviation industry – settling on the idea that I wanted to become a pilot. This decision lead me to a university out in northern Arizona. 
I just didn’t know of any other options that would fit me.
Rowan I received a student worker position as a digital content contributor for Rowan’s Division of Student Affairs. A position I received from interacting with one of my professors (who I now work with). She inspired me to pursue various aspects of public relations – eventually leading me to my passions in 
Around the time she discovered the article, Jo was part of a class called New Ventures Development, where students expand on an idea for a potential startup business or product, and experience the process of bringing it to life. “In that class, I came up with the concept of a personal filtration system within a water bottle, called RefresH2O,” Jo says. “Wherever you are – hiking, spending time outdoors – you can scoop up water from a nearby body of water, and it will be filtered fresh. This will alleviate our plastic usage, and make us wiser about how we source our water.” Another class, Entrepreneurship and Innovation, helped Jo finalize the marketing plan and details for her product, including the target market and purpose. “I wanted to make a product that even a three year old could use. Everyone needs clean water — it’s a human right, but not everyone is lucky enough to have that,” she explains.
Her future plans include owning her own environmentally sustainable holdings or manufacturing company, and possibly even attending graduate school for a degree in engineering management, to continue to grow. She advises freshmen coming into the field to not let the idea of ‘perfection’ interfere with your goals. “‘Good’ is good enough; just get your name and idea out in the world and continue to work on your idea as you progress,” she says. “And keep track of your commitments! Juggling school work, being on the track team and my internship, senior year has been the most challenging year yet, but planning it all out and prioritizing made it a lot better.”
“Participating in social activities is the best way to make friends,” says Ahmad Kindawi, a first-generation college student (now graduate!) from Syria, who rents a house off-campus, within walking distance of campus. Ahmad graduated with a master’s degree in history from the 
Commuter and first-generation college student (now graduate!) Cheyenne Rickabaugh of Cape May, NJ (Cape May County) says the best way to make friends at college is, “Show up to things! Talk in class! Not during lecture, though.” She also says that the best way to get the most out of your college experience is to, “Just get out there and do things! Have fun.” Congrats, Cheyenne, on earning your geography degree from the 
During her first computer science course on campus, Monica learned the ins and outs of the industry, as well as coding and communication skills that she would use later on. Her first professor in the field, Professor Chia Chien, “has been a huge help throughout my college experience. She really encouraged me and opened my eyes to great opportunities.” Professor Chien even introduced her to her current resume-builder, as a co-op worker for the Arctic Slope Regional Corporation (ASRC). Through the AFMS (ASRC Federal Mission Solutions) program with the Rowan computer science department, students can partake in a real-life work environment and contribute to meaningful projects that improve their skills. “The program allows students to immerse themselves in a real job, full time, with the option to take classes part time, at night or online,” Monica explains. “You partner with industry companies and really learn how they function and how your knowledge can contribute.” 
