Tuesday, May 10, 2016

Students Not Dollar Signs: Struggling With Money on Campus

By Latisha Lewis, Dominique Elias, and Andrew Beachy


This article is a companion piece to a larger article concerning money on campus. Read the main article here: Students Not Dollar Signs: A Deeper Look into Capitalism on the FSU Campus

When freshmen come to Frostburg State after graduating from high school, they experience a lot of mixed feelings. Excitement, nervousness, and anxiety are just a few. Among these, frustration sometimes reigns supreme. While high school prepared them academically, many come to Frostburg very much unprepared financially. While student loans are there for the taking, some students are uneasy about the predatory nature of said loans. Luckily, many students have parents and other family members that can help pay for the costs of attending Frostburg State University.
As all entering freshmen know, Orientation is a requirement and a mandatory class. However, some students are put off by the required fee to take the class - $120. Jenna, a sophomore and nursing student, remembered having to pay the orientation fee just like every other incoming freshman. As she put it, it was “a little frustrating”.
However, Orientation is often viewed as a helpful way to introduce students to the university campus and higher education, as well as to instruct students about how to thrive during their time at Frostburg State. The catalog description of the class describes the class as geared toward the “orientation of incoming students to academic and social contexts of college life.” Topics covered in the class include the “Nature and process of higher education; education and career planning; learning skills; support services.”
The Billing Office is often the first to receive complaints regarding the mandatory fee to take this mandatory class. As one Billing Office representative describes the class, “[Orientation] is a mandatory class as an incoming freshman so that they can come in knowing how to be proactive as students, where to go, how to pay their bills, how to live and be a student. Those are important skills that they do have to learn … so it’s a mandatory fee, and we do have a lot of students who ask questions about that fee.” She continued, saying “We do have to charge students that mandatory fee, due to it being decided by the Board of Regents. … Unfortunately, that does happen a lot. Our department doesn’t make those official decisions; the power comes from higher up at the Board of Regents.”
“I can sympathize with those students who have money problems. I still have student debt, too.”
Just like Orientation, many other classes at Frostburg State have mandatory fees. Aaron, a freshman and an art and design major, thinks that these fees are excessive and unnecessary. “When it comes to GEP requirements, they’re charging us even more for the classes we need to graduate,” he said. “It’s like there are just too many little things they’re charging us for.”
These fees, along with the rising costs of attending Frostburg State, are taking a toll on some students. Autumn, a junior majoring in psychology, is feeling the burden of the expenses of higher education. Although she is fortunate enough to have her parents helping her to pay for her schooling, she still faces difficulties trying to get on one of the university’s interest-free, debt-free payment plans. “It’s hard to get on the payment plan because of the $80 fee. I’m trying, but I just can’t afford that right now,” she said.
Erich Matz, adjunct professor of sociology at Frostburg State, knows what it’s like to struggle with paying for higher education. “I can sympathize with those students who have money problems. I still have student debt, too.” Although paying for higher education can be difficult, students can find support from their professors, the university, their families, and one another.

Students Not Dollar Signs: A Deeper Look into Capitalism on the FSU Campus


By Latisha Lewis, Dominique Elias, and Andrew Beachy


This article has a companion piece that also investigate money on campus. Read the side article here: Students Not Dollar Signs: Struggling with Money on Campus


Students in the United States are the highest population in debt averaging at 1.2 trillion dollars and that number is steadily rising with no reprieve in sight. Walking around campus, one could wonder, asking themselves the simple question why do things cost what they cost? As students we don’t ask enough questions, we just accept the dollar signs we are expected to pay. Many say that our educational system is an institutional scheme that we all have to buy into or we will never amount to anything. One thing that is for sure is that we will amass thousands of dollars in debt that our own country can’t even ensure will ever be paid back in full, let alone even a career that could allow us to do so. We become prisoners to a system that we were taught from such a young age is the only way. Many argue our education should be free, simply a right for everyone, but that can only exist in an ideal utopian world. However, whenever you do begin to ask questions about your tuition, mandatory fees, your meal plan, or the simple cost of books at the university store, it becomes knowledge that is not usually disclosed or some huge secret.

Paying Your Bills: The Billing Office


Jacquie Broadwater takes a second
to pose for a picture
Along their other money concerns, students at FSU will almost always have to work with the campus Billing Office in order to actually pay for their schooling. Students also might have the visit the Billing Office to clear up any holds that might be on their accounts. As one of the faces of the Billing Office that students often see, Jacquie Broadwater sometimes has to work
with frustrated students who might think that the institution is just there to make money off of them.

Jacquie, an accounting clerk in the Office for three and a half years, sometimes hears that complaint. She clarified the situation, saying “We are the ones who take in the money, but that money goes straight to the departments or to the appropriate accounts. She continued, saying “We can understand that it is frustrating sometimes. We do try our best to help [students] understand that [the university policies] are just something we have to abide by.”

That doesn’t mean that Jacquie doesn’t sympathize with the students. “Students’ accounts are very important to us,” she said. “If you do have a balance on your account, it does hold you up from getting a transcript or registering, so it’s really important that student take care of their accounts. We do strive to help students as best as we can. We’re not there to be negative or hold them back or keep them from getting their degrees.”


"We do strive to help students as best as we can. We’re not there to be negative or hold them back or keep them from getting their degrees."

Sometimes students might wonder why the cost of tuition keeps going up, and again they go to the Billing Office to vent their frustrations. As Jacquie put it, FSU only has minimal say in the determination of costs. “[The costs are] determined through the Maryland’s Board of Regents. The costs get approved by them, so it’s not something that we get too much say in deciding. Adjustments to costs need to be approved by a power higher than FSU itself,” she said.

Still, there doesn’t seem to be a good way for students to voice their concerns about the rising costs of attending FSU. As one freshman put it, “I just pay what they tell me to pay. It’s not like I can ask any questions.” In response, Jacquie said “In our meeting with the new president, that was an issue brought up by some faculty and students who had questions regarding the cost of attendance. Students can come to us, and we can address their concerns to our higher department, or they could go to the Board of Regents’ website to express their concerns.” [follow the link to visit the website of the Board of Regents]

The campus bookstore, a sight that
many students are used to.

The Better Alternative: Amazon vs. Campus Bookstore


Katelyn Massey, a sophomore at FSU, blatantly expresses her problems with the bookstore, saying “The bookstore overprices. It costs almost the same amount to rent a book as it does to buy one.” She goes on to say, “I paid $140 for a book and only received $40 back at the end of the semester.” She just wants to know where the revenue collected from books goes on campus.

Assistant Manager of textbooks and store operations, Kenneth Emerick was determined through his interview to diminish the “bad guy” stereotype of the bookstore. The book store really does not control the specific books chosen. The professors of FSU compile a list before the end of eveyr semester requesting specific texts for their class. As a result, when students register for a certain course they can see the mandatory text list on their paws account, which is determined by that professor of that class. “Students think that we control the brands, type, and especially editions [of the books that is offered in the bookstore], but that is not the case”.  

As the buyer, the university store first looks to see if the professor “wants a book to be new or used”. If the book is new, we first look at the retail price that the publisher is selling the book for. Then we get in contact with the publisher requesting a certain amount, “usually trying to see if there are any discounts that can be applied since we usually have to buy large amounts”. The amount of books that we buy from the publisher is determined by “the demand of the class”. Even if there is now a discount that transpires between the university store and the publisher “we still sell it to the students of [Frostburg State University] at a discounted price. “Used books are a little different”, the university store looks at the wholesale price which is determined by 20% market price and demand of the book. The university store in return will sell the book at half of its retail price.
"The university store's goal is not to trick or finagle students out of their money. Our ultimate goal is to get the best price while continuously remaining convenient for students."
Books that come with access codes have now become a popular style of book amongst faculty of the science and math majors. “The only problem with that is that books with access codes cannot be purchased used." “Once an access code is used it cannot be used again and it makes the book useless”. Access code books are usually the most expensive. However, the Ebook program has not been a “hot commodity amongst students, which is surprising”. EBook are the electrical virgin of a paperback text. Students just access their books online. In the past 5 years, the University Store has had to come up with innovative ways to stay “relevant and fair” due to a decrease in sales due to their heavy competitors. The “rental program is [the university store's] most competitive platform. They started the rental program to encourage students to start back at being customers at the store. The university store “has the best interest of the students” because the store, according to Emerick, actually causes the store to “lose money”. It takes “the book to be rented three times in order for the store to make a profit”.   In addition, the university store hired a programming company to revamp the book store website to the point where now when you look up the required book listed for a class, “the university store now shows you the other competitors and their prices”. From that exact page “students can click on the other vendors and their prices and buy the book from their website”.  The university store "wants to help students succeed in school and their pockets”.

"The university store's goal is not to trick or finagle students out of their money. Our ultimate goal is to get the best price while continuously remaining convenient for students."

To view the bookstore's prices and compare them to other retailers, follow this link: Price Compare

Michael Glenn at his desk

Money and Meal Plans



Student Katelyn Massey expresses how she feels about dining, saying “All of the prices are excessive. Usability is inconvenient. Why should they tell us when to use our meal plans when we pay for them?” On the other hand, Massey is fond of the meal deals that were offered this school year.

She goes on to say, “I feel that we should be able to get a full meal with our meal equivalency at Appalachian station as well as Subway.” Massey criticizes that the meal equivalency for some meals are bigger than others.

Furthermore, Massey explains to me what she feels is a struggle meal. If she is out of bonus bucks, Massey has to purchase a meal with no drink.

Michael Glenn is the Director of dining services here at Frostburg State University. May 23 of this year will make it exactly two years from when he began the position.  Glenn points out that dining service prices are contractual and set years ago. Furthermore, he explains the somewhat complicated procedures that have to be taken yearly to set prices. He says the CPI (consumer price index) is figured out in December and Chartwell’s contract stipulates they use the food away from home category. Glenn then states, “By contract we are allowed to change prices yearly.”  Furthermore, he says, “We try to stay consistent with the year’s national pricing.”


"All of the prices are excessive. Usability is inconvenient. Why should they tell us when to use our meal plans when we pay for them?"

Chartwells has several chain establishments on campus: Chic-Fil-A, Moe’s, Subway, and Starbucks. When questioned about how the prices for these establishments are created he says, “We try to stay consistent with the year’s national pricing, we try to see where our prices match up with these same locations nearby.” He elaborates on pricing, “Subway primarily belongs to the Chartwells so we are allowed to set this pricing, but Chic-Fil-A’s pricing is the same as the one in the Country Club Mall. Moe’s pricing matches the one in Hagerstown and Starbucks' matches one outside as well.”

Glenn admits there is a spike in debit and cash usage when meal plans aren’t usable. Still, there is more revenue collected during meal hours there because a large percentage of Appalachian Station’s income is collected from meal plans.

Granted, Glenn has worked at campuses other than FSU and he believes that, “Pricing is consistent with most of the schools in Maryland; some of the meal plans at Towson are much higher.”
Students at FSU have a certain number of meals per week, and the meal plan that a student purchases dictates how many meals are at their disposal weekly. However, if these meals are unaccounted for, they do not roll over. Glenn tells me, “It’s contractual how the university says the meal plans are built. Now that we know number-wise what to expect we can plan; if meals rolled over it could create service issues.”

Nevertheless, Glenn’s department has implemented meal deals at participating places on campus. He believes it has been very beneficial to students. Moreover, Glenn only receives around one complaint a week. There is also a monthly director’s dinner where students are able to meet and discuss their concerns with dining faculty.

For more information about meal plans nationwide, follow this link: College Meal Plans



Nationally students are struggling with the cost of attendance; therefore, we are avid to vote for politicians who advocating for free college and student loan help. Moreover, student’s stressors are enhanced with worries of how to pay for books and meal plans. However, faculty such as Jacquie Broadwater and Michael Glenn are lending helping hands to make the experience easier. However, we believe the problem is extremely widespread and needs to be tackled at a federal level.