Rose State Higher One Debit/ MasterCard smoothes refunds for colleges and students.
Photo By Michele Penix

College debit cards risk for students

Dennis Gosnell

Assistant Editor

Rose State Higher One Debit/ MasterCard smoothes refunds for colleges and students.
Photo By Michele Penix


In recent years banks have partnered with colleges to provide students with debit cards. These debit cards allow colleges to ensure easy and smooth transactions with students. However, students might find that the transaction fees are little more than they would choose to pay.

On Sept. 18, U.S. Public Interest Research Group, PIRG for short, held a national student news teleconference to share its findings from a report that examined whether students got a fair deal when banks partnered with colleges to give students debit cards.

Three presenters’ Rich Williams, Higher Education Advocate with U.S. PIRG, Anne Johnson, Director of Campus Progress, and Rohit Chopra, Private Student Loan Ombudsman with the Consumer Financial Protection Bureau gave reporters a breakdown of the sort of problems found when colleges partnered with banks.

“Nine-million students are potentially at risk for increased educational debt due to bank-affiliated campus debit cards that come with high fees, insufficient consumer protection and few options,” Williams said.

According to PIRG there are 900 campuses nation wide “grafting bank products onto student IDs and other campus cards” to ensure banks receive a healthy profit.

RSC is partnered with Higher One financial services, and according to the F.A.Q. handout available in SSB room 200, three college students started the company in 2000 to provide students with a better way to receive and manage money. The card allows the college to give students refunds.

Williams also referred to colleges as a gateway for financial savvy banks to take advantage of the younger generation by giving students cards issued by colleges.

“Students think they are getting a fair deal and unbiased advice when they see a college logo on these cards, when in reality colleges are getting financial perks while students are getting stuck with high bank fees,” Williams said.

According, the U.S. PIRG report there are currently 32 of the 50 largest public 4-year universities, 26 of the largest 50 community colleges, and 6 of the largest 20 private not-for-profit schools have debit or prepaid card contracts with a bank or a financial firm.

Eighty percent of Higher Ones revenue is made through siphoning fees from student aid disbursement cards.  Based off of SEC filings that is a total of $142.5 million of its $176.3 million total revenues.

In part two of this article there will be tips on how to avoid what U.S. PIRG calls the “The Campus Debit Card Trap”. 

By 15th Street News Posted in News, Raider Life Tagged Banks, campus cards, , Consumer, Debit, Debt, , Fees, Finance, Higher Education, Higher One, PIRG,

Rose State College helps to provide a caring and safe environment for children

Narges Taghavi

Feature Editor 


Rose State College helps to provide a caring and safe environment for children.


According to the website, the Child Development Laboratory Center, located just north of the student center, serves the community as a child care facility and provides a laboratory setting for RSC students enrolled in the Family Services/Child Development Program. The main objective is to provide a positive atmosphere, which will promote the social, physical, intellectual and emotional growth of children.


Children experiment with hand painting and making a fun mess, under supervision of laboratory students.

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D2L Makes Changes

By: Narges Taghavi

Feature Editor

D2L Makes Changes

Most Rose State College Students know what D2L is but if they are new to the school, here is a brief description of it; according to the Rose State web site “Desire2Learn, abbreviated D2L, is a learning management system which allows participants to engage in online classroom and community activities through a web browser.” Students can get in touch with their teachers and classmates through the site as well.

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Rose blooms from the ashes

By: Logan Pierce,editor-in-chief

Smoke Free Campus

Banner displaying that Rose State College will be a tobacco free campus as of August 1st, 2011. photo by, Logan Pierce

During the 2010 fall semester it was announced that RSC would be tobacco free as of August 1st, 2011. Chris Leland, director of the health and wellness center, emphasized

that the campus will be tobacco free; not merely smoke free. “Any tobacco or simulated tobacco product is not allowed,” Leland said.

Signs posted around campus raise awareness of the new policy. The tobacco ban is all-encompassing. No ashtrays will remain on campus. Individuals in the parking lots found using tobacco products in their cars will be subject to fines. “If you smoke anywhere on campus property, you’re violating the policy,” Leland said.

Within the last five years, electronic cigarettes have risen to prominence as an alternative for those who want tobacco where smoking is not allowed. These

“e-cigarettes” use liquid cartridges containing various levels of nicotine and release water vapor into the air instead of smoke. Studies on the effects of second-hand water vapor are ongoing. Leland said that artificial tobacco devices go against school policy. “No electronic cigarettes.” Leland said, “They’re like Splenda cigarettes.”

By becoming a tobacco free school, Rose State College qualifies for government grants, Leland said.  The Oklahoma Tobacco Settlement Endowment Trust (OTSET) receives funds from the government to help reduce the effects of tobacco on society. The money is funneled to different local organizations; one of which is the Oklahoma County Tobacco Use Prevention Coalition (OCTUPC). They allocate these funds to compliant public entities wishing to support smoking cessation programs.

“Tobacco use is detrimental to your health and the health of others.” Leland said, “It’s an addiction; an addiction to chemicals. We’re not telling you that you can’t smoke, but you can’t do it here; and if you’d like to quit, we’re here to help.”

To aid smokers who want to “kick the habit,” the Health and Wellness Center is offering a tobacco cessation resource guide that includes activities to help conquer cravings and information about a “stop smoking” iPhone app.

Leland said that the cessation resource guide is only one of many options available. “No one thing works for everybody.” Leland said, “You have to keep trying. For most, it takes multiple times to quit smoking. If something doesn’t work, try a different approach.”

Working in conjuncture with the American Lung Association, the Health and Wellness Center will provide classes for students on smoking cessation. “This isn’t a one-time workshop.” Leland said, “This is a year-long class that’s free for current students.“ Leland said that to succeed in this class you need to be able to say, “I want to do everything within my power to become tobacco free.”

Regarding public opinion for the new policy, Leland said that most feedback has been positive. “I’d like students to think ‘I’m going to college to better my life, so maybe quitting smoking is part of that’.”

By 15th Street News Posted in News Tagged , e-cigarettes, smoke, tobacco, tobacco cessation