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Dealing with Stress

Maybe the thought of starting college is making you a little edgy. Or maybe it's no big deal. Either way, there's bound to be some stress once you get there. How will you cope?

A Little Stress Can Go a Long Way

Way back in 1908, two psychiatrists, Yerkes and Dodson, concluded that individuals with too little or too much stress learned the least, but those with "moderate" stress learned the most. When stress is too low, you may not care about what you're doing, and your performance might be poor. If you're overburdened and stressed-out, you may experience excessive anxiety, and your academic performance may also suffer.

Common Stressors in College

Don't underestimate the ways in which stress can get to you. You might feel the need to study all night before an exam, but you could end up so tired you forget everything you thought you had memorized. Or you could rush through an exam, not taking the time to come up with educated guesses. Some college students aren't prepared for the stress level and drop out.

Knowing how stress can affect your life will help you focus on your school work and do well in college. Be prepared for it. You can control your stress level by learning how to relax, take breaks, exercise, eat right, and switch your concentration to activities you really enjoy. Maybe playing a few computer or video games is all you need to burn off some tension before turning back to your books. Whatever works for you, don't let stress and anxiety get the best of you.

Of course, if you find yourself highly stressed day after day, don't hesitate to meet with a counselor. Most colleges offer counseling services through their health clinics.

For Students Age 18 and Older

Have you received a Personal Invitation to apply for a Student Credit card?

Learn how to qualify for a Personal Invitation to apply for a Student Credit Card


1st Financial Bank believes students who pick colleges wisely will also want to learn how to use credit cards wisely.

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COLLEGEdata Dollars are
points you earn by
completing certain
COLLEGEdata activities

Ways to earn
COLLEGEdata Dollars:

  • Complete your Admissions Profile.
  • Add colleges to your College Choices.
  • Update your Admissions Statuses.
  • Use the College Match tool.

What are COLLEGEdata Dollars (CD$)?

COLLEGEdata Dollars (CD$) are points you earn by completing certain COLLEGEdata activities. The maximum number of CD$ you can redeem is 5000. Once you have earned at least 2500 CD$, you can redeem them for $25, which will be provided to you on a Loyalty Card, and once you earn another 2500 CD$, you can redeem those CD$ for a second $25, which will also be provided to you on a Loyalty Card.

Earn points and redeem them for
U.S. Dollars

Complete certain COLLEGEdata activities (for example, signing up, starting your Admissions Profile, searching for colleges, calculating your chances for admission, searching for scholarships, updating your Profile with your admission decisions). Each activity is worth a specific amount of points (CD$). You can redeem the points you earn for U.S. Dollars that will be issued to you in the form of a 1st Financial Bank USA Loyalty Mastercard®.

How do I earn COLLEGEdata Dollars?

You can earn CD$ by completing certain COLLEGEdata activities. As soon as you sign up and activate your COLLEGEdata account, explore COLLEGEdata and begin completing COLLEGEdata activities to earn points.

Here is a full list of COLLEGEdata activities for which you may earn CD$ and the number of CD$ you can earn by completing each activity.*

Activity
CD$
×
Congratulations!
+ CD$
You just earned COLLEGEdata Dollars!
Check your CD$ Dashboard at the bottom of the page to view your CD$ balance, find other activities that you can complete to earn CD$, and redeem the CD$ you have earned for U.S. Dollars.