3Rivers Contributors

James Cashman

College Funding Advisor

James Cashman portrait

James is passionate about education. He started at 3Rivers in 2016, and has found joy in connecting students with dream careers. In his role as College Funding Advisor, he supports families as they plan for higher education and transition to the workforce. Prior to coming aboard, he studied Spanish and Intercultural Studies at Indiana Wesleyan University, worked as a social worker in Kalamazoo, Michigan, and taught in Barcelona, Spain. Outside the office, he serves on the board of directors at the East Wayne Street Center, a local education non-profit, and enjoys travel, languages, and reading. 

3 Things You May Not Know About Student Loans

Posted on Wednesday, February 12, 2020

Nobody enjoys having student loans – but it pays to be knowledgeable about them! Understanding what resources exist when it comes to borrowing money for your education can save you…

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5 Tips for Finding College Scholarships

Posted on Monday, January 6, 2020

The easiest way to pay for college... is to not have to pay for it! Here are five tips to help you find some additional scholarships and grants. Universities have…

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5 Student Loan Repayment Tips

Posted on Monday, December 23, 2019

If you graduated college this spring, chances are good that your first student loan payment is coming due. It’s helpful to understand your loans prior to beginning repayment – and…

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What You Need to Know About the FAFSA ID

Posted on Wednesday, December 18, 2019

Filing the FAFSA gives all college students the opportunity to receive financial aid from scholarships, grants, work study, and federal student loans. What does the FSA ID do for me? The…

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7 Steps to Finding the Perfect Scholarships for You

Posted on Thursday, June 6, 2019

Scholarships are one of the best ways to earn free money for your higher education. Not sure how to get started in finding the best scholarship options for you? Follow these easy steps and…

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Do I Need a Cosigner for My Student Loan?

Posted on Thursday, May 9, 2019

Chances are, you've heard about "cosigners" on loans before. Now that you're faced with making decisions related to student loans, you might be wondering whether or not you'll…

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5 Steps You Can Take This Summer for Extra Financial Aid

Posted on Thursday, April 25, 2019

We’re very passionate about education here at 3Rivers, but we’re also passionate about minimizing student loan debt. Here are a few summer tasks to help reduce your loan burden!…

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3 Questions to Ask Yourself to Help You Choose a College Major

Posted on Thursday, April 18, 2019

There are some extensive guides to choosing a college major – shelves of books, Google’s 2.1 billion search results, and for-hire counselors all provide unique methods. We’ve…

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How to Graduate Without Student Loans

Posted on Wednesday, April 3, 2019

Once upon a time, college graduates could say, “I paid for college by working and didn't need student loans.” Is this still a possibility? It can be done! Here are…

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3Rivers is Here to Help You File Your FAFSA!

Posted on Friday, February 1, 2019

The Free Application for Federal Student Aid (FAFSA) is consistently the first option for funding college. Universities look at FASFA data when awarding scholarships and other financial…

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Qualifying for Public Service Loan Forgiveness

Posted on Thursday, December 13, 2018

Public service workers provide valuable support to communities across the nation, but are typically paid less than their private sector counterparts. The Public Service Loan Forgiveness (PSLF)…

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How to File the FAFSA for Multiple Students

Posted on Thursday, November 15, 2018

Having two or more students in college can be demanding! Thankfully, the folks at the Department of Education are changing the FAFSA to make filing for financial aid easier. 3Rivers is also…

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Extracurricular Activities for Career Success

Posted on Monday, November 5, 2018

Students regularly ask how important non-classroom activities are for college admissions and scholarships. Let’s stretch our focus a little and instead look at the question, “How…

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5 Last-Minute Steps for Financial Aid

Posted on Wednesday, July 25, 2018

Back-to-school season is right around the corner! Here are a few last-minute steps to take to ensure you're getting the most out of your financial aid options. 1. Save big by…

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Comparing 3Rivers’ Student Loans: Fixed vs. Variable

Posted on Monday, July 23, 2018

Since 2009, 3Rivers has offered student loans to help members pursue higher education. As part of our education programs, we work with students to find ways to minimize student loan debt. Our…

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You’ve Graduated! What’s Your Next Move?

Posted on Friday, June 8, 2018

I just graduated… now what? Congratulations! For the past 12 years, you’ve been required to go to school. What’s next for you? Many high school students think college is…

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What You Should Know About Indiana’s Workforce Ready Grant

Posted on Wednesday, May 23, 2018

“We want to send a message to Hoosiers that if you come back and get a certificate in a high value area, we will pay for it.” – Theresa Lubbers, Indiana’s Commissioner…

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Steps to Take After Filing the FAFSA

Posted on Monday, April 16, 2018

In our previous posts about the Free Application for Federal Student Aid (FAFSA), we discussed how the FAFSA can help you, and how to file it. In this post, we’ll explore steps…

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How to File the FAFSA

Posted on Thursday, March 29, 2018

Like we discussed in How Does the FAFSA Help Me?, the FAFSA is the first step to financial aid. It unlocks aid for almost everyone – if you feel like you don’t qualify based on…

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How Does the FAFSA Help Me?

Posted on Tuesday, March 27, 2018

Wondering why you should take the time to file for the Free Application for Federal Student Aid (FAFSA)? Read on to learn more! The FAFSA is the best college funding tool available. Whether…

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Avoiding Student Loan Repayment Scams

Posted on Thursday, March 22, 2018

Tucked away in small, rented office spaces, companies like “Student Debt Relief”, “Fed-Help”, and “Forget Student Loan Debt” offer paid assistance to…

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What You Should Know About the Parent PLUS Loan

Posted on Tuesday, February 20, 2018

We’ve outlined a few other loan types in previous posts, but haven’t dug deep on Parent PLUS loans yet – what are they, where do they come from, and are they the best…

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Should You Refinance Your Student Loans?

Posted on Tuesday, February 13, 2018

Many savvy graduates are looking to student loan refinance to pay off loans quicker – lower interest rates, better terms, more affordable payments, and being able to choose your loan…

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How to Pay for College with Bad Credit - Or No Credit

Posted on Thursday, January 11, 2018

If you are on the hunt for ways to pay for college, but you’re worried about your credit history, there are options available to you. Before turning to student loans, we recommend…

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Paying on Student Loans While in School

Posted on Monday, January 8, 2018

Many families are asking the question, “Should we be making payments on student loans while taking classes?” For most students, paying on student loans during the school year is…

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What to Look for During a College Visit

Posted on Monday, December 4, 2017

It’s that time of year again! High school juniors and seniors are visiting top college choices to explore campus, talk with professors, and meet other prospective students. College…

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Creating a Financial Stategy for the Holiday Season

Posted on Thursday, November 30, 2017

A study published by Healthline in 2015 showed 53% of millennials considered money to be the leading cause of stress during the holidays. Last year, another study found that 45% of Americans…

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Is It Best to Aggressively Pay Down My Student Loans?

Posted on Monday, October 30, 2017

Nobody enjoys having student loans, and we’ve all seen and heard, from various sources, that “the best way to live” is debt-free. That being said, you might feel the need to…

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Repaying Student Loans: What Are My Options?

Posted on Wednesday, October 4, 2017

Whether you’re a recent grad or you’ve been out of school for a while now, there’s one thing we can all agree on: we’re tired of student loans. The good news: there…

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5 Fall Financial Aid Wins

Posted on Thursday, September 28, 2017

Fall is a great time to get a head start on college financial aid. Here are five steps we recommend taking over the next few weeks to help set you up for success in the coming years! File…

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Private vs. Federal Student Loans: What’s the Difference?

Posted on Wednesday, September 13, 2017

Somewhere in the ballpark of 44 million Americans have student loans, totaling just over $1.4 trillion. These loans pay for degrees at a variety of schools – from six month…

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