Ideas For Parents in July: 5+ Wins

by Melanie Studer


ideas for parents in July
Follow my blog with Bloglovin

Ideas for Parents in July

What I’m learning and loving in the month of July, is where I talk about a few things that I am learning and loving in my life right now. This may include recipes, books, movies and gadgets, etc. Here are some ideas for parents in July. Please know that I am thinking of you in these hard days, and will try to find fun and useful things to share with you each month! (Here are the posts for April, May and June) Let me know what you are learning and loving so that I can add that to future posts!  Without further ado, here are my ideas for parents in July. *This post may contain affiliate links. I also participate in other affiliate programs. My full disclosure policy is here.

Pin for later!

Ideas for parents in July


Did you know that the federal direct loan interest rate was lowered on July 1, 2020 to 2.75% from 4.53% last year? This will last until June 30, 2021. This is huge! Even if your child doesn’t really need this money now, it might be a good idea to take a loan out, start repaying it while they are in school, and get ahead on repaying any other debt that you may have accumulated at higher interest rates during this crazy pandemic. (Please note that this will not affect previous loans.) As of June 6, 2021 from the Federal Student Aid site:  (To provide relief to student loan borrowers during the COVID-19 emergency, interest on most federal student loans has been temporarily set at 0%. The 0% interest will last from March 13, 2020, through at least Sept. 30, 2021.)

There are two types of loans for students

Federal direct subsidized loan interest rate:

These are available to undergrad and grad students with financial need. The school determines how much the student can receive. The student will get a grace period of up to six months after graduation to start paying. The Department of Education will pay the interest until graduation.

Federal direct unsubsidized loan interest rate:

These loans are available to graduate and undergrad students regardless of financial need. Again, the school will determine the amount that a student will receive based on scholarships received and the cost of attendance. Interest will accrue during the years of college.
Remember that this is just an idea. Talk with your teen’s financial aid office to see what your student would qualify for. Then talk it over with your spouse or significant other and your financial advisor. This is good money available at a really low rate. Your student would also benefit from starting with good credit even if you are the ones paying because the loan would be in their name. Please know that under normal circumstances, I don’t like the idea of student loan debt, but this is a little different circumstance. And, please consult someone with more wisdom than me! Do you have young adult power of attorney for your teen? This is not a subject any of us like to talk about, but having experienced this problem myself, I highly recommend you take care of this before they leave for college or wherever! Check out this blog post for more information: Things You Need To Know When Your Teen Turns 18.



My youngest son and I have been watching all of the Marvel movies in order since the pandemic began. We just finished, and it was so fun!  We have now just started the show The Falcon and the Winter Soldier. It’s on Disney+. Here is a link to the trailer.


Milk frother – This little gadget is cute and fun to use. I just stayed at my girlfriend’s house, and she has one of these to stir her collagen into her coffee each morning. (Collagen has many benefits for those of us over 40- read more here!) My son used it to whip his cream into his coffee, and we both loved using this. This would be a fun gift for your teen to froth their coffee or tea!


The Book of Lost Friends -Wingate This book was wonderful! It is set in two time periods. The first time period is Louisiana in 1875. Three young women (Hannie- a former slave, Lavinia -who Hannie had previously had to serve, and Juneau Jane -the illegitimate half-sister of Lavinia) are connected in multiple ways, and who don’t get along for many reasons, find themselves on a journey to to hopefully right some wrongs. Along the way, some really terrible things occur, and they find out that they really need each other. They all have their own reasons to be on this journey, and the entire time you are wondering whether things will work out or not. The other setting is Louisiana in 1987. A young woman, Benny, is a first year teacher in a tiny community at a rural school hoping to pay off her student loan debt. She tries desperately to reach her students and to make a difference in their lives. She uncovers a book with clues about the three young women from 1875, but some local townspeople do not want that information to come out. This sucked me in, and I could not put this down! I love Lisa Wingate’s books.


Did you know that July is National ice cream month?? Yum! National Postal Worker Day (1), Independence Day (4), National Fried Chicken Day (6), National Video Games Day (8)-REALLY???, Peach Ice Cream Day (17), National Ice Cream Soda Day (20),


Cause a little bit of summer is what the whole year is about. —John Mayer Don’t you just love summer? Even though this one is certainly a strange one, there are so many things that can only be enjoyed in the summer! So, take time to “smell the roses”, and enjoy this time with your teens! Here are 50 things for teens to do this summer for both fun and for college and life prep. Weekly dose of parenting encouragement

Ideas for Parents in July

I hope that you like my ideas for parents in June! Some other posts that might be helpful this time of the year: Father’s Day Gift List That Teens Can Afford Best Conversations to Have With Your Teen, Help Your Teen Set Up His or Her First Apartment, Backpack Essential for High School and College,

I would love to stay in touch!

Make sure you subscribe to my Parenting High Schoolers newsletter below for a weekly dose of love from me about surviving and thriving with teenagers. Simply enter your information below and you will be all set! You can also like my Facebook page, and follow me on Pinterest and YouTube! I look forward to seeing you again!❤️

Pin for later!

Ideas for parents in July

You May Also Like…

PHS Week in Review #4

PHS Week in Review #4

(PHS) Week In Review! How are you this week? Parenting Wisdom "Winter is the time for comfort, for good food and...

Hello! My name is Melanie and I love to encourage moms of teens and tweens!

Are you ready to create a stronger, healthier relationship with your teens? Do you want to do all that you can to foster a stronger bond with your family? 

I will give your encouragement to take care of yourself in the midst of this messy place that we call life. I’d like to help you with some strategies to make things a little bit easier.

Let me help you to parent more confidently. With more love. With more connection.

1 Comment

  1. Great info about interest rates and loans, Mel!


Submit a Comment

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

High School Success

With This

College Prep Kit

College prep is complex!

Stay organized with the necessary information required to apply for colleges, scholarships and future employment.

These FREE printables will help with any post-high school scenario.


You have Successfully Subscribed!

Pin It on Pinterest