Swiss company The Wall AG has a perfect solution for third-world shanty towns, semi-permanent refugee camps and approximately 7.2% of adult Americans: paper houses!

This isn't mere papercraft—the Universal World House is a $5,000, 390-square-foot modular home, outfitted with plumbing and boarding facilities to support up to eight (eight!) residents each.

Read more: $5,000 Paper House is the World's Swankiest Hobo Pad

You can choose to pay attention to predictions of disaster or of business as usual. But the financial aid administrators on the front lines say it is still too early to tell whether roiled credit markets will mean that masses of students will be unable to line up the loans they need to pay for the fall semester.

Deadlines for tuition payments are only now approaching, and lenders often do not disburse loan funds to campuses until weeks later – after students can no longer drop classes and switch to part-time status.

For example, “it’s a federal rule that you don’t disburse federal funds prior to 10 days before the start of classes,” at the earliest, said Jerry Alan Donna, director of financial aid at Salem College in Winston-Salem, N.C.

Read more: So what is going on with student loans?

How can we live lightly on the Earth and save money at the same time? Staff members at the Worldwatch Institute, a global environmental organization, share ideas on how to GO GREEN and SAVE GREEN at home and at work.

Climate change is in the news. It seems like everyone's "going green." We're glad you want to take action, too. Luckily, many of the steps we can take to stop climate change can make our lives better. Our grandchildren-and their children-will thank us for living more sustainably. Let's start now.

We've partnered with the Million Car Carbon Campaign to help you find ways to save energy and reduce your carbon footprint. This campaign is uniting conscious consumers around the world to prevent the emissions-equivalent of 1 million cars from entering the atmosphere each year.

Keep reading for 10 simple things you can do today to help reduce your environmental impact, save money, and live a happier, healthier life.

Read more: 10 Tips for a green world and save energy

Change a Light, Change the World

We really can "Change the World" with just one light bulb. The key is that the more people that take this step, the more we can change the world.

Don't leave lights on when no one is in the room. If you are going to be out of the room for more than five minutes, turn off the light.

If you know of a light that everyone forgets to turn off, make a sticker or a sign to hang next to the switch that says "Lights Out!" or "Don't Forget!"

Read more: Tips How To Save Energy