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Avoiding Procrastination

"Procrastination" comes from Latin, meaning "hold off until tomorrow." But in college it spells a recipe for disaster. Here are some tried and true ideas for getting your work done on time.

Procrastination can take some interesting forms. Some people get their dorm rooms sparkling clean as homework deadlines loom. For others, late night television suddenly becomes unavoidably appealing. Whatever your procrastination technique, work on strategies for overcoming it. Create a study environment with few distractions. Find a quiet place. Study in the library.

More Time Management Tips

Divide large assignments into smaller more manageable pieces. Plan a term paper by constructing an outline. Study for a test in chunks. Small tasks appear much less daunting than the whole assignment.

Work with study groups. Knowing that you have to pull your weight in a study group is a great way to avoid procrastination. If you lack the willpower, the study group's peer pressure and your sense of responsibility toward the group will help ensure that you complete your assigned tasks on time. You can conquer procrastination and enjoy a sense of accomplishment when deadlines loom.

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$
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+ 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.