Summer Housing and Health Resources Guide

Discover a comprehensive guide on finding summer housing, health insurance, relocation tips, and financial resources. Explore national housing resources, health insurance options, and valuable tips for a seamless relocation experience. Access essential information on housing, healthcare, and more to make the most of your summer plans with ease.

• Housing Resources
• Health Insurance
• Relocation Tips
• Financial Assistance
• Summer Planning

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1. SUMMER RESOURCES: How and Where to Look for Housing, Relocating, Health Care, and more

2. TABLE OF CONTENTS Housing Resources Health Insurance Tips for Relocating Final Tips Money Penn Resources & Contacts

3. HOUSING RESOURCES NATIONAL HOUSING RESOURCES HOUSING RESOURCES IN PHILADELPHIA HOUSING RESOURCES IN OTHER CITIES HOUSING RESOURCES ABROAD/LONDON

4. National Housing Resources

5. TIPS FOR SEARCHING If you need to look beyond college housing, use public transportation maps to guide which neighborhoods you are looking at. In the absence of public transportation, start with the neighborhoods closest to your opportunity. UPenn has a great Getting Started resource to help to plan and visualize your search: https://cms.business- services.upenn.edu/offcampusservices/getting- started.html Most colleges offer either summer housing in dorms or have off-campus living guides/offices to start your search in that city. Examples include: Off-Campus: UPenn (Philadelphia) - https://offcampushousing.upenn.edu/ SAIC (Chicago) - https://www.saic.edu/where-live/campus- housing NYU (New York) - https://offcampushousing.nyu.edu/ American (DC) - https://www.american.edu/student- affairs/housing/off-campus-housing-services.cfm Summer Dorms: NYU (New York) - https://housing.nyu.edu/summer/ SAIC (Chicago) - https://www.saic.edu/summer-housing\ American (DC) - https://www.american.edu/student- affairs/conferences/intern-housing.cfm UPenn (Philadelphia) - https://residential-services.business- services.upenn.edu/summer-housing

6. NATIONAL RESOURCES ApartmentGuide.com - Search thousands of apartments, photos, and floorplans from communities nationwide. Sublet.com - This apartment rental service serves as a venue to list apartments, sublets, roommates & houses for rent directly from the owners. You can learn about renter s insurance, find moving companies and sublets for the summer. ApartmentList.com - Search apartments using a detailed map. Apartments.com - Free search for apartments across the country. Craig'sList - Available in many metropolitan areas, the housing section of Craig s List allows you to see a list of sublets and temporary housing. https://philadelphia.craigslist.org/ ApartmentRatings.com - Listing ratings of apartments across the country.

7. NATIONAL RESOURCES Padmapper.com - Compiles apartment listings from many websites and displays them on an interactive map. Trulia.com - Provides national real estate information with detailed graphical neighborhood data. Trulia's Rooms for Rent - national listings of rooms for rent in shared spaces, broken out by city. https://www.trulia.com/rooms-for-rent-near-me/ Rentspeed.com - Free leading national rental site for finding houses for rent, condos, townhouses, and apartment rentals. Zillow - Rental and sales typically longer stay https://www.zillow.com/ Zumper - Free map-based search for home & apartment rentals, with real-time updates. Also available on iOS & Android. https://www.zumper.com/ VeryApt - National database that allows searching by city: https://www.veryapt.com/

8. Philadelphia Housing Resources

9. PHILADELPHIA RESOURCES Office of Off-Campus Living - The Office of Off- Campus Services at the University of Pennsylvania assists students, faculty and staff at all stages of their off-campus living experience. https://cms.business- services.upenn.edu/offcampusservices/ Philly Apartment Company - Work with a Leasing Consultant to find your ideal neighborhood and apartment quickly. It's free! https://phillyapartmentco.com/ 4wallsinPhilly - offers student housing near universities and colleges in the area https://www.4wallsinphilly.com/studenthousing.htm Villanova Summer Intern Housing Program - Housing available at Villanova University during the summer. https://www1.villanova.edu/villanova/services/con ferenceservices/internhousing.html

10. HOUSING IN OTHER LARGE CITIES Atlanta Houston Boston New York City Chicago San Francisco Los Angeles Washington, DC Dallas Additional City Resources

11. ATLANTA BOSTON Suffolk University - located in the heart of downtown Boston, offers affordable summer housing to students traveling to Boston for internship and co-op opportunities. https://www.suffolk.edu/student-life/housing- dining/summer-housing/intern-housing Emory University Summer Intern Housing Program - Convenient, affordable summer housing for interns who want to live in the Atlanta area. https://sihp.emory.edu/ Emory University Off-Campus Finder - Lists apartments for rent around the Atlanta area. https://offcampushousing.emory.edu/ Boston University Off-Campus Housing Finder - Listings for apartments in Boston. https://offcampus.bu.edu/ BostonApartments.com - Apartment listings in Boston. Georgia State Summer Internship Housing - https://myhousing.gsu.edu/intern-housing- program/

12. CHICAGO LOS ANGELES UC Irvine Summer Off Campus Housing - https://housing.uci.edu/och/ Summer Housing in Chicago - Located in downtown Chicago. https://chicagosummerhousing.com/ UCLA Summer Intern Hostel Housing - https://summerhostel.hh.ucla.edu/ The School of the Art Institute of Chicago Housing. - Summer housing located in the heart of Chicago. https://www.saic.edu/where-live/campus-housing https://www.saic.edu/summer-housing UCLA Neighborhood Profiles - Overview of the neighborhoods around UCLA. https://portal.housing.ucla.edu/community- housing/resources/neighborhood-profiles Domu - Chicagoland Apartments, Where landlords and tenants connect. https://www.domu.com/ Westside Rentals - Los Angeles Apartments. Chicago Tribune - interactive version of their real estate page https://classifieds.chicagotribune.com/il/real-estate- rental/search

13. NEW YORK CITY 92 Y Residence - An iconic cultural institution, the 92nd Street Y offers short and long-term stays with free gym membership, free maid and bed linen service, 24-hour security, and access to some of the best of 92nd Street Y's concerts, lectures and classes.https://www.92ny.org/residence Educational Housing Services - Quality, affordable living spaces with other students in New York. EHS has a new program to offer reduced rates at two of its residences to students who are Pell eligible. https://www.studenthousing.org/ Fashion Institute of Technology - Summer Housing at the Fashion Institute of Technology in New York City. https://www.fitnyc.edu/life-at-fit/residential-life/summer- conferences-interns/index.php NYU Summer Housing - Summer Housing at NYU. https://housing.nyu.edu/summer/

14. NEW YORK CONTINUED NY Housing Search - Listings of Apartment Resources in New York City and beyond run by New York State Government: https://nyhousingsearch.gov/ International House - Summer housing at The International House in NYC. https://www.ihouse-nyc.org/ NYU Law Housing - Summer Housing at NYU Law. https://www.law.nyu.edu/housing/summerliving RentHop.com - Search NYC Apartments and Listings by Location. Also have listings for Boston and Chicago. CityRealty.com - New York City apartments for rent and for sale.

15. SAN FRANSISCO WASHINGTON DC University of San Francisco Rental Resources - Apartment listings in San Francisco complied by USF. https://www.usfca.edu/life-usf/housing- dining/off-campus-housing. American University - For visiting interns, offering quality accommodations in an ideal location at competitive prices. https://www.american.edu/student-affairs/conferences/intern- housing.cfm UCSF Off Campus Housing Guide - https://campuslifeserviceshome.ucsf.edu/housing/ campus-housing Washington Intern Student Housing (WISH) - Temporary, fully furnished intern housing on Capitol Hill in shared or private rooms in townhouses and apartments. Housing is also available for fall and winter months. https://internsdc.com/ Catholic University of America - Summer Housing in Washington, D.C. https://pryzbyla.catholic.edu/conferences/housing/summer- intern/non-cua-student/index.html George Washington University Summer Housing - https://summerhousing.gwu.edu/individuals-interns

16. OTHER CITIES North Carolina State University - Includes intern housing for those with internships near the Research Triangle Park in Raleigh, which is home to many organizations such as IBM, Credit Suisse, Cisco Systems, GlaxoSmithKline, and the Department of Justice. https://housing.dasa.ncsu.edu/conference-and-guest- services/summer-intern-housing/ UMoveFree.com - Largest apartment leasing company in the state of Texas. Includes rentals in Austin, Dallas, and Houston. University of Texas (Dallas) - Summer Dorm Housing: https://housing.utdallas.edu/housing- departments/corporate-intern-and-summer-guest-housing/ University of Washington (Seattle) - Summer Intern Housing: https://hfs.uw.edu/Seattle-Intern-Housing Arizona State University (Phoenix) - Summer housing for ASU internships only: https://housing.asu.edu/housing-resources/guest-and-conference-housing/guest-housing

17. LONDON COLLEGES WITH SUMMER HOUSING London Metropolitan University - Holloway Road : https://www.londonmet.ac.uk/services-and- facilities/accommodation/summer-accommodation/ University College London - Bloomsbury (just north of the British Museum): https://www.ucl.ac.uk/residences/ucl- summer-residences International Students House - Great Portland Street: https://www.ish.org.uk/ King's College - The Strand (Covent Garden) https://www.kings.edu/life_at_kings/campus_living/on_campu s/housing/resources/summer-housing University of London Summer Housing: https://housing.london.ac.uk/find-accommodation/university- halls-of-residence

18. ABROAD TransitionsAbroad.com - List of Accommodations & Articles on Living Abroad: https://transitionsabroad.com/ Lonely Planet: Travel Website with guides, tips, and tricks for navigating long or short stays abroad: https://www.lonelyplanet.com/articles/category/planning CIEE - List of global internships and resources in 15+ locations across the globe: https://www.ciee.org/go-abroad/college- study-abroad/internships/internship-city-guides

19. TIPS FOR RELOCATING Apartments Health Insurance Transportation Other Things to Remember Money

20. APARTMENTS Utilities What to Consider Homeowner s or Renter s Insurance Payment Lease Moving In Roommate(s)? Transportation

21. What to Consider Payment Transportation - how long will your commute take? Usually, first month's rent and security deposit will be required. Parking - how available it is and how much it will cost? You will need proof of wages/offer letter/references/credit check/copy of a bank statement. Noise - any place near public services (police stations, fire stations, hospitals) will be noisy. Also, you may want to choose an apartment facing an alley. Apartments on busy streets in metropolitan areas can be very noisy. Talk to your bank about your situation because they may waive fees. Be assertive about it. Tell them that you re in transition. Tour the area and talk with people who live there. Buildings with a doorman cost more, but the doorman will do little things for you like hold your dry-cleaning, accept packages, etc.

22. Lease Roommate(s)? Be sure you know the length of your lease. The person(s) who signs the lease is ultimately responsible for paying the lease, no matter what. Make sure everything works and that the apartment is clean, repainted and fixed before moving in. This includes the air conditioner, heat, appliances, hot water, leaks and windows. If something is broken, be sure to get it in writing that it will be fixed. Your credit score may be hurt if you fail to pay your rent on time. Subletting means lending out a living space to someone not on the lease. Typically, there is no legally binding contract involved, so the subletter could be asked to leave at any time.

23. Moving In Check for restrictions on move-in days. Some places restrict people from moving in on weekends, for example. You may also need to reserve the service elevator or coordinate to move in at a time other tenants are not also moving into the building. If moving into a city, investigate the parking situation for move-in day. You may need a permit to reserve a space outside your building for convenience, especially if you have a large moving truck.

24. Transportation Car Registration - Find out how many days will it take to register your vehicle in a new state. License - You will need a new license if you want residency in that state. Inspections - Some places will require inspections. Insurance - It is your car that is insured by auto insurance, not you. Therefore, friends should be able to drive your car with your permission. Any damage to your car or another vehicle should be covered by the insurance policy written for your vehicle. Always double-check with your insurance provider, however, if you have questions about coverage. Public If you plan to commute by bus, train or subway, do some trial runs before your first day. How much is it? Are their free transfers? Find out how easy it is to Uber/Lyft or catch a cab. Does your city have surge pricing?

25. MONEY Taxes Credit Cards W - 4 Employee Stock Purchase Plan Pay Yourself First Flexible Spending Accounts Student Loans 401(k) & 403(b) Matched 401(k) & 403(b)

26. Taxes W - 4 Grad students' income can be taxed. In the past, employees could claim allowances on their W-4 to lower the amount of federal income tax withheld from their wages. The more withholding allowances an employee claimed, the less their employer would withhold from their paychecks. However, the 2017 Tax Cuts and Jobs Act overhauled a lot of tax rules, including doing away with personal exemptions. That prompted the IRS to change the W-4 form. City tax - you will pay more if you live in a larger city like New York or Philly. You can look up tax calculators for the city where you will be working to get a sense of how much of your income will be taxed and what your actual take-home would be. The new W-4, introduced in 2020, still asks for basic personal information but no longer asks for a number of allowances. Now, employees who want to lower their tax withholding must claim dependents or use a deductions worksheet.

27. Pay Yourself First Student Loans Develop a budget that includes putting a set amount from every paycheck directly into savings. Most online banking sites allow you to set up automatic transfers to savings accounts, making it easier than ever to guarantee that you put the money away. It can add up quickly! Check the current rates. They usually change on July 1. The cap is the highest amount that you can accrue. Know what your grace period is - how long you have until your first payment is due after graduation. Financial Wellness @ Penn has budget resources, workshops, and more that can help you through this process! (https://srfs.upenn.edu/financial- wellness/browse-topics/budgeting) Consolidate your loans (https://studentaid.gov/manage- loans/consolidation)

28. 401(k) & 403(b) Matched 401(k) & 403(b) Your employer often matches the amount of money you put in your 401(k) or 403(b), up to a limit. This information should be provided before you sign your offer letter; if not provided, ask for it. You can also ask about the retirement plan vesting policy (how long you must stay in a job to take some or all of the employer match). Allows you to save money for retirement without being taxed on those savings upfront. Money is taken from your salary and placed in mutual funds provided by your employer. Your money grows tax free, but it can't be taken out until age 59; withdrawing early will lead to penalties. Be sure to max out the percentage matched because your employer is effectively offering you free money. When you leave your job, your contributions stay with you, as well as all or some of the employer match (depending on the vesting period). If you work for the government, you may have a 457(b), and if you work in education you may have a 403(b). Read more information about 401(k), 403(b) and 457(b) on the IRS website.

29. Employee Stock Purchase Plan (ESPP) Credit Cards Try to pay your balance every month. Credit card debt can affect your credit score (FICO score) and that number determines not only your credit limits and eligibility for a loan but may also be considered in your job application process. If offered by your company, you can set a part of your salary aside through payroll deduction to purchase the company's stock at a discount, which can be almost 15% in some cases. Look for student focused cards and secured cards, which have lower limits, but often have less fees. DO NOT rely on this benefit as a retirement plan. Get a card with rewards (cash back for purchases, miles, travel bonuses, etc.). Know the terms of your card, the interest rates and penalties for late payments. Having a joint credit card with your parents still builds your credit, so it s a good idea to start using a credit card (even for small payments) as soon as you can.

30. Flexible Spending Accounts (FSAs) You determine the amount to be deducted from each paycheck. There is usually a limit on the total amount that can be deducted. You can calculate how much you feel you will need for healthcare costs per year to determine this figure. Deductions are pre-tax, so your taxable income is reduced and you may pay lower taxes for the year. It can be used to pay medical expenses like deductibles, co-payments, prescriptions or for even over-the-counter items from pharmacies or healthcare stores. If you do not spend the entire balance, it will be lost at the end of each year. Sometimes an FSA will carry over a certain amount to the following year, so be sure to know the policies.

31. International Students Working in America Make sure your internship falls within the limits of your visa. ISSS has a guide here: https://global.upenn.edu/isss/employment CIEE has resources around living in the US here: https://www.ciee.org/in-the- usa/research-training/intern-professional-training/resources Have any questions about your visa, taxes, or anything else? Make an appointment with ISSS here: https://global.upenn.edu/isss

32. Health Insurance Terminology Typical Policy Terms Advice

33. Health Insurance Terminology Deductible - Pay a set amount before insurance kicks in to pay the rest. Co-payment (co-pay) - The fee you pay for every doctor's visit or when you have a prescription filled. (FYI - You may be charged less for generic brand of drugs, so be sure to shop for pricing at different pharmacies.) Premium - Monthly payment for insurance, typically deducted from your paycheck pre-tax. PCP (Primary Care Physician) - The family doctor you must see before you see a specialist (typically if you are on an HMO PPOs and POS may offer more flexibility and not require a PCP referral). PCP provides medical services and referrals to specialists if you are on an HMO plan.

34. Typical Policy Terms (Always Review your Policy!) HMO - Least expensive, least flexible. You need to contact your PCP, then use the doctors in the HMO network. Outside of the HMO network, you re you may not receive insurance coverage, so it s important to know what doctors are in your network. PPO - most flexible, most expensive. You don't have to specify a main doctor, but you ll have a list of preferred providers that you can go to. You may pay more outside of the list of preferred providers, but your insurance company may cover some of the costs. POS (Point of Service plan) - Part HMO, part PPO. You may need to contact your PCP first, but then you can go to any doctor in the network. You typically have the flexibility to go to any doctor outside of the network for an added cost.

35. Health Insurance Advice Choose a health insurance plan based on your medical needs if you need to go to the doctor often or have high medical expenses, paying a higher premium (PPO) upfront may be financially wise. If you don t go to the doctor often, an HMO may make more sense for the time being. Get to know a new doctor early. Do this when you feel healthy, not when you're sick, especially if moving to a new city. Forward your medical records to your new doctor proactively. Get the number for the nearest pharmacy. Remember that different prescriptions can have very different costs depending on the pharmacy, so remember to shop around!

36. FINAL THINGS TO REMEMBER! PROFESSIONAL CLOTHING Know the dress code before your first day of work. Have 2-3 work outfits you can mix and match when you start your job, but buy most of your wardrobe after your week of work once you get a good sense of what is appropriate for your new workplace. NETWORKING IN NEW CITIES Penn alumni association with chapters around the world. Just like in college, you can meet people by doing things you like! Find an intramural sports league, volunteer or join civic associations REGISTER TO VOTE! https://www.usa.gov/register-to-vote

37. Penn Resources Career Services: careerservices@vpul.upenn.edu FAQ: https://careerservices.upenn.edu/career-services-summer- funding-program-faqs/ Guidelines: https://careerservices.upenn.edu/career-services- summer-funding-program/ Financial Wellness @ Penn https://srfs.upenn.edu/financial-wellness International Student & Scholar Services https://global.upenn.edu/isss