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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Student Senators ready for involvement

Chelsea Ratterman, Editor in Chief

UPDATE: The 16th Student Senator was announced Thursday as Brandon White. Congrats!

A new batch of Student Senators was elected Sept. 5 and 6 through online voting on D2L. Fifteen senators were elected, and a run-off was held for the final spot Sept. 12.

Student Senators are sworn into office, before their first meeting, by advisor Kirby Harzman. Photo taken by: Denis Gosnell

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The 411 on Club Recharter and Charter

By: Narges Taghavi, Feature Editor 

 The 411 on Club Recharter and Charter 

The deadline for clubs on campus who wish to receive points for rechartering is quickly approaching. All clubs have until Oct. 12 to submit the club recharter form for their club to receive 50 points.

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By 15th Street News Posted in News Tagged activity, charter, , money, , points, recharter, , , year

Club Trio

Jatalia Lopez-Thornton
Volunteer Writer

Club Trio 

To supplement the needs and further the progress of the community, students of the TRiO program created Club TRiO.

Club TRiO is a part of Student Support Services (SSS) which helps about 140 to 145 students yearly.

“My vision for the club is to be connected to the inner community and on campus, to grow as a club and as individuals, and to be successful as a club in our community and at Rose State College,” Robin Goodiron, V.P. of Club TRiO.

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By 15th Street News Posted in News Tagged academics, assistance, commitment, , money, personal success, self development, , , transfer, TRIO, well being

Hispanic Student Association aims to make a difference

Chelsea Ratterman, Assistant Editor

HSA officers and sponsor Erica Alvarez pose with their well-earned throphy.

The annual Club of the Year award was given out at the Student Life Banquet on Monday, April 23. This year the honor went to the Hispanic Student Association.

The honor is awarded based on a point system, and a list of events that are eligible for points that school year, such as Global Oklahoma and community service in addition to a host of other opportunities.

“At the beginning of the year, we made it a point to go down the sheet of events, and attempt to do them all,” said Elizabeth Larios, an officer in HSA.

Their attempt paid off. They did numbers of events, such as a fundraiser that sold Aguas Frescas, a fruit flavored Latin drink, which was one of Dr. Lashley’s favorites, according to Larios.

They also passed out free food, made up of rice, chicken and beans, during the semester to those on campus.

“We did it to promote the club, and to give free food to students, since the stereotype of college students is that we’re all broke,” said Jorge Carrizales, HSA president.

In the fall semester, the group celebrated Hispanic Heritage Month with a presentation in Dia de los Muertos (Day of the Dead) and a game of Family Feud with Latin-inspired questions.

After these events, HSA took first place in the Student Activities Chili Cook-Off. During all of this, two members assisted at a daycare, volunteering their time to help with the kids.

The club also organized monthly meetings, and tried to ensure that there was a member at all Student Senate meetings, to have their voice heard.

Their next big event coming up is the Miss Rose State Latina Pageant. This is the club’s biggest event, and is the first ever Hispanic pageant at RSC.

“We want people to know we exist on campus, and that Rose State has a lot of diversity. As much as we want to embrace the Hispanic Culture, we also want to learn more about other clubs, such as the AIA and the BSA,” said Jorge Carrizales.

The Hispanic Student Association was awarded a trophy and $500 for their club’s use. The 1st runner up was Vocal Oklahoma in Civic Engagement (V.O.I.C.E.)/Oklahoma Intercollegiate Legislature (O.I.L.) Club, receiving $300; 2nd runner up, Study Abroad, $200; and the 3rd runner up, Drama Club

was awarded $100.

By 15th Street News Posted in Raider Life Tagged abroad, Civic, , , engagement, Hispanic, intercollegiate, legislature, , study, year

Spring brings b”boo-coo” banquets

Chelsea Ratterman,  Assistant Editor

Banquet season is here it seems. The Mass Communications Banquet and the Student Life banquet were both recently held, with the latter announcing the annual “Club of the Year” award, this year going to the Hispanic Student Association.

The Student Life banquet, held Monday, April 23 in the Main Dining Room, recognizes the clubs and organizations on campus, as well as the leadership scholarship recipients for their work for the college. “The Faculty and Regents are proud of you,” Dr. Terry Britton said,  “ You are able to excel in the classroom, and able to excel past the classroom as well.”

Outgoing Senate Executives announced the newly elected Senate Executives by their respective positions later in the ceremony. Jaeton Cary, the current Student Senate President, led the Senate recognitions, as well as receiving awards for the V.P. of Student Affairs Leadership Award and the Outstanding Student Senator award. The baseball and softball MVPs were revealed toward the end of the banquet. Coach Coty Cooper awarded the sophomore players with the award as a group, and Coach Nickie Williams gave the softball MVP to Randi Yousey. The event concluded with the announcement of the Club of the Year.

The Mass Communications banquet was held Friday, April 20 in the Training Center.  The theme was backpack journalism, the style of journalism where the reporter does it all: pictures, writing, video and the like. Displays were set up to showcase the Bob Wyatt entries, and the 32 recipients of the award were announced, with Rachel House’s “Red Dirt” taking first in the Advanced Category and Stephanie Wheeler’s “And On” taking first in the Beginner Category.

The Mass Communication Scholarship went to Abigail Forrest, a broadcast major. Other awards presented included Shaquile Burden received “Most Potential in Journalism,” and Keegan Meenagh received “Most Promise in Broadcast”. The graduates from the Mass Communication program were recognized, and Tori Beechum was awarded the “Top Journalism Graduate Award.” Also recognized was the staff of the 15th Street News and the awards they have won this year, from the Society of Professional Journalists, Oklahoma Press Services and the Oklahoma Collegiate Media Association.

Leadership Spotlight: Hudiburg Scholars

Chelsea Ratterman, Assistant Editor

The Hudiburg Scholarship is another Leadership scholarship available to students. There are currently eight members that make up the group. Formerly known as Reconnections, this scholarship has been re-named in honor of the Hudiburg Family, which has been a staple of the Midwest City business community since the 1950s.

The Hudiburg Scholarship is available to all students who meet the requirements for admission, and are able to complete the scholarship requirements throughout the year. The Hudiburg group still serves similar functions as the Reconnections, and provides help and resources to the community and campus. The group works out of the Student

Before heading out on a scholarship event, the Hudiburg Scholars get a picture with Dr. Britton and members of the Foundation. Dropped: Steven Hipkins, Danielle Rogers and Joshua Wolfe. Not pictured: Darrin Bridges Photo by Ken Beachler

Success Center and their advisors are Melissa Aguigui and Carla Robison.

Through the Success Center, the scholars provide peer mentoring to students as well as other services to help students make it through college coursework and responsibilities. They provide a number of workshops to students to help guide them through the finer points of college life. This spring, they will be doing a 60 minute workshop about “Tips and Tricks for College,” from a student’s standpoint. This is similar to the Student Success Legacy cluster, which covered networking, critical thinking, and a workshop about “The College Puzzle – How to fit it all together.”

The Scholars are the representatives of their scholarship to the community. They do a number of workshops and projects for the community, and provide community anchors with the resources they need to reach out and help citizens in need. Project Noel was a large project the scholars did for churches in the area. It helped them gather gifts and necessities to be handed out to community members in need during the holiday season. During the Fall 2011 semester, the group went to Dove Science Academy in Oklahoma City and spoke to a group of students on the importance of college and the resources available to them to continue their education.
For the spring semester, the Scholars will be helping to build a home for a family in need, in association with Habitat for Humanity. They will also be having their annual celebration at the Atkinson house, where family members are encouraged to come meet with the scholars and learn about the scholarship program.

Scholarships are an important resource during college. All Leadership scholarships provide a tuition waiver as well as money toward books and fees. The deadline to apply for these scholarships is March 5. Applications are online at, or pick up the Admissions Application and Leadership Scholarship Packet in the Student Welcome Center.

Fall fashions and fancy frappuccinos

Fashion Weekwas held recently in Milan, Paris and New York City to showcase the new Fall Fashions. Red was a huge part of the event, in every shade imaginable. Metallic and fur are still going strong, along with bold prints, polka dots, and a comeback from the ‘60s and ‘70s. Finally, the hemline has lengthened, while the maxi dresses and the “midi” skirts are in this fall.

Designer fashions and designer coffees go hand in hand, but not always in everyone’s budget. Graphic created by Tracie Bullen

These runway styles seem fun in theory, but are they easy to put into practice? Especially for the perpetually broke college student, who lives on a budget; with the staple of their diet being a trip to Taco Bell and the ridiculously priced Starbucks coffee. Fashion Week represents the standard of style for that quarter of the year, (since Milan Fashion Week is held four times a year). Keeping up with the ever-changing trends can prove to be a hassle, for both the mind and the wallet.

A college student is more likely to buy a simple black pea-coat than a fur lined trench coat for one, and TOMS or tennis shoes are a more sensible choice than lace-up heels for running around campus between classes and activities. Fall represents a change of pace from the spring and summer styles. The clothes get thicker, more layered, and a little darker in color.

The stylists should change their focal point from the small minority of the population that can afford a $5,000 coat, to the majority of the population that spends, on average, 5.4 percent of their income on apparel. Due to inflation rates and rising costs, the ability for a student to afford what’s “in” for the season is practically nonexistent. And besides, who wears a fur lined trench coat to class?

There again, is the impracticality of the trends.  A student is more likely to show up to class in sweats or jeans and a hoodie, than a dress and heels. They should have a runway show dedicated to sweat pants.

On the opposite end of the spectrum from clothing is food. The Java Rose Café has recently reopened and is serving Starbucks coffee, much to the delight of the student body. Yet, the question stands, $4 dollars for coffee? Designer coffee is nothing new, what with the introduction of the Starbucks chain, and the opening of two stores within a five-mile radius of the campus. (For those of you who don’t know; there’s one on 29th in Target and one next to the AT&T store also on 29th)

It’s easier than ever to spend that $4 dollars on a fancy coffee fix; And those who “need” more than one cup may find themselves spending into the $12 dollar range. For the fall season, Starbucks runs a range of Pumpkin flavored items, such as the Pumpkin Spice Latte and the Pumpkin Cream Cheese Muffin. From designer foods to designer clothes, the constant emphasis on “designer” is overwhelming and desirable to everyone. The trend may sound appealing, but may not be exactly practical for the college student, or anyone on a budget.

By 15th Street News Posted in Editorial Tagged budget, coffee, college student, designer, Fall Fashions, Fashion Week, impracticality, Java Rose Café, runway, Starbucks, , TOMS, trend