shaggies stuff


Q : What are you ( the scholarship committee) looking for ?
A : A graduate with a sound academic record, who has:
A strong commitment to South Africa
Leadership potential
Q : What does the Scholarship include?
A : The scholarship covers full tuition fees, one return flight and the following allowances:
A living allowance for accommodation, food, travel and other necessities
A book allowance
An arrival and a departure allowance
A dissertation allowance.

Q : Why isn’t a Technikon Degree accepted?
A : Technikons are not recognised in the UK for many of the masters programmes.

Q : If there is not enough space on the application form, can we attach a separate piece of paper?
A: No, use the space provided. Attachments that are not specifically requested will be discarded.

Q : Do we have to apply to the Universities ourselves?
A : Yes.

Q : Do you have to be accepted at a university before you can complete an application form?
A: No, but you need to be aware of UK universities deadlines for applications. Some universities have deadlines that would arrive before the scholarship’s selection process has been completed. Also, it usually creates a more positive impression at the final selection panel if you have already made applications to universities.

Q: Are there any degrees or subject areas that the scholarship will not fund? Will the scholarship cover any degree?
A: There are no restrictions in terms of subject areas as long as the degree you wish to pursue is a post-graduate and not an undergraduate degree.

Q: How can I find out which is the best university for the degree I wish to pursue?
A: We expect scholars to do some research on their own, usually through the Internet, word of mouth, etc. However, if scholars need advice on which university would best match their needs, they may contact Sue Adler at the Canon Collins Educational Trust for Southern Africa. You can email her and the address is: [email protected]

Q : I have only been able to contact one referee. Can I just send that one in?
A : Two testimonials have to be submitted or your application will not be considered. You should be able to contact more than one referee as we will accept references from a senior academic who taught you or from an employer or from a community representative who will vouch for your credentials as a student and a leader.

Q : Do you (Deloitte/Unilever) try to assist us find employment when we return?
A : Deloitte Recruitment Solutions will represent you, but cannot guarantee placement.


How to locate Student education loans and Scholarships for single moms

Looking for student education loans and scholarships for single moms is difficult. Take solace in understanding that you aren’t alone within this situation. Many single moms want the chance to return to school because they see their very own children becoming an adult on and on to college too. If the reason behind rediscovering the reassurance of school would be to improve your skills to maintain alterations in work or perhaps a change of career, the advantage of continuing your education is really a worthwhile endeavor. Sometimes it isn’t as simple to make the transition to school if you’re older but there are lots of others doing exactly the same thing.

It’s a known proven fact that nearly all single parent women work full-time while at 45, so not let age deter your pursuit revisit the classroom. Since you may bear in mind, the expense related to going back to school aren’t cheap. So that as just one mother, you’ve additional fees to think about along with school related fees. Moms with younger kids have to consider childcare costs. These costs in many cases are 1/3 of the woman’s weekly pay and when she’s two children the price nearly doubles. Regardless of these difficulties many single parent women go back to school while working full-time. So now, you’ll be confronted with exactly the same questions that other incoming university students face – how would you invest in your education? Here are a few suggestions to assist you in finding the funding you’ll need.

One method to begin to virtually open doors to a lot of different student education loans and scholarships for single moms is as simple as completing and submitting the Free Application for Student Aid (FAFSA). It will help determine causes of educational funding for example Pell Grant, Cal Grant, scholarships and a low interest rate student education loans. After submitting your FAFSA you’ll get a Student Aid Report (SAR) including the answers you devote your FAFSA but will even incorporate your Expected Family Contribution (EFC). The EFC is really a measurement of the financial strength, and it is accustomed to determine eligibility for federal student aid. The college you’re attending uses the dpi to determine just how much help you can get based on the fees linked to the school.

If you’re working, discuss your intentions revisit school together with your employer. Many employers have put programs in position to assist pay some of tuition for employees provided certain criteria are met. The Wal-mart Foundation is a such example. They offer a scholarship program for employees that is extremely popular. Odds are in case your company is really a Fortune 500 company they’d have similar programs. In either case, it’s worthwhile to talk to your employer about this.

Pursuing other grants may be beneficial too. A few of these tend to be more competitive to obtain than the others however it can’t hurt to try to get them should you qualify. How can you learn about other scholarships and grants? Begin by doing all of your research on the internet and possibly creating a visit to the neighborhood library. Additionally, visit the educational funding office at the college campus and look for help with the procedure by talking to an economic aid officer. They are able to help uncover other possible possibilities for you.

Another choice to consider would be to pursue continuing your education online. Online degrees have grown to be popular during the last couple of years because of the inexpensive factor and also the ease of focusing on it by yourself amount of time in your own house. Online degrees are respected, so don’t believe that you’re getting any a smaller amount of instruction by studying online. Even Yale along with other top universities are providing free materials online.

Keep in your mind that although student education loans and scholarships for single moms can be found, some qualifications and eligibilities are available and therefore are in position to safeguard the funds from abuse. Nevertheless, this method is simply a stepping-stone to assist fulfill your educational endeavors with no doubt you’ll reap the advantages later in everyday life.
.Private College Grants For Single moms Seeking to Go back to School
The tough lives of single moms are extremely sad to see. The responsibility of providing on her children always weighs heavy on the minds. They always wonder how you can earn that extra, which may supply the comfort on her kids and herself. She’s the only real bread-winner on her kids, and she or he needs to be spending so much time to look after them. Such circumstances, she will hardly consider attending school using the financial strain she faces. Hence, various private college grants for single moms happen to be introduced using the only purpose of providing to those women better living conditions that they can buy with proper education.

There are some private organizations who’ve accepted to encourage single moms to begin studying again. Elearners is really a noteworthy organization to become mentioned within this context that has worked enormously for that development of single moms. Elearners has joined ties along with other online universities and colleges to supply education to single moms with the medium of online studies. Online research is significantly doing single moms who are able to afford to review within the comfort of the homes. They require ‘t be present physically on campus, and save considerable time on transportation too and possess the selection of their studies at a period that is easy to them. Also, the accreditation provided by the internet colleges is identical as the traditional ones. The internet universites and colleges that are extending their support through Elearners are American Intercontinental University, Ashworth University, DeVry University, Ashworth College, Walden University and so forth. ‘Project Working Mom’ is really a campaign by Elearners that is heading for the same goal of spreading education by creating awareness between the masses for that necessity of education to mothers.

This discussion may not be over with no reference to other institutes that are helping single momsfor education. Enhance the Nation is a superb women-oriented organization employed by the progress of single moms through education, and seeks to assist them to for his or her education by granting the educational funding for the similar. Brief points about other organizations who strive for the welfare from the single moms happen to be the following:

-Sunshine Lady Foundation Scholarship: This foundation mainly activly works to grant educational funding for that victims of domestic abuse.

– Arkansas Single Parent Scholarship: As the name suggests, this scholarship extends support towards the single mom of Arkansas.

– Soroptimist Women’s Opportunity Awards: This really is awarded to 3 women for $10, 000, who require extensive assistance to continue with their studies.

– Ford Opportunity Program: Scholarship amounts are based on your requirements and the program provides aid to 52 Oregon single moms.

– The Jeanette Rankin Foundation Scholarship Program: This organization believes in providing scholarships for single moms who’re 35 years old or over.

– Patsy Takemoto Mink Education Foundation for Low Income Women: The scholarships out of this organization are specifically for single moms hailing from very low-income homes.

– R. O. S. E Scholarships are just for the only mothers who’ve endured domestic sufferings in life.

Private college grants for single moms is definitely an earnest request in the various non-profit organizations nobody want the only mothers to guide a good life, and therefore is really a plea towards the single moms to make use of the possibilities to its fullest to enable them to really secure a good and confident future on their behalf.

Scholarships and Free Grant Money For Single moms Attending college
When confronted with tedious and unsightly duties like studying (especially college), youngsters always wish to put things off. They’re still young and active, plus they seem like they are able to always do the boring stuff later. They like to visit, marry and lift kids, as well as work to enable them to make money. Who’s to express they’re wrong? In the end, educational costs fees are costly, and people from low-income families have trouble locating the needed money. However when they get older, women especially, discover that they require a university degree to obtain a decent job. They discover that their senior high school diploma isn’t sufficiently good to look for a job which will feed their loved ones. Many of the harmful to just one mother, just because a single father continues to have other available choices that pay well, e. g. focusing on an offshore oil platform.

Adult students normally find it hard to get scholarships to visit college. Area of the reason is they have to work full-time and may only study part-time. Unfortunately, many grants for education need a course load that working adults find to become hard to fulfill. Males, especially, are having issues. They’re limited within their selection of grants. Aside from the authorities grants assuring federal grants for individuals, they aren’t entitled to anything else.

With regards to that particular, women tend to be luckier. There’s free grant money for single moms offered by charities for ladies. These charities acknowledge the initial problems faced by adult students attending college. They’re prepared to purchase part-time study, plus they are also prepared to offer the web based classes provided by progressively more colleges today.

These web based classes really are a extremely important point. They permit the only mother to review by herself schedule (or nearly so). She’ll still have to earn enough course credits (e. g. her grant may need her to review a minimum of 20 hours per week ), however the freedom of The inability to study at nighttime after she puts her kids to bed implies that she doesn’t have to stop time she spends together with her children or even the overtime pay needed to make payments. She also saves considerable time and cash on transport, because she doesn’t have to rush to go to evening classes on campus.

Many scholarships for single moms are prepared to fund not just four-year Bachelors degrees, but additionally two-year associate degrees from community colleges. For instance, the Philanthropic Educational Organization, the Jeannette Rankin Foundation and also the Talbots Women’s Scholarship Fund are simply three from the women’s charities that actually work with the educational system that exist whenever a search is performed using Google.

Despite the absence of flexibility, federal grants for individuals for single moms shouldn’t be neglected. They’re simple to find while using Department of Education’s FAFSA system, which is possible to locate a large amount of free help filling out the applications in the college financial grant office. Federal Pell Grants for single moms are among the simplest government scholarships, as well as one of the easiest to obtain (regardless of the course credits requirements).

A higher education is essential for everybody nowadays. With no degree, it is not easy to obtain a good job. However, many adults miss their opportunity to obtain a advanced schooling once they were a young adult. Fortunately, (a minimum of for ladies ), you’ll be able to get free grant money to have an associate degree or Bachelors degree.
Scholarships-Grants Look for Single moms

It wasn’t until quite recently that ladies began to receive advanced schooling. A university degree, a mere Bachelors degree, was just available to men. Then came Martin Luther King and also the Women’s Lib movement. Today, college is available to everyone no matter skin tone, religion or gender. There are even scholarships/grants for single mothers and ladies to assist them to obtain a higher education.

In theory, authorities grants are available to every American and never limited to only minorities or women. Used, a disproportionate quantity of federal college aid would go to single mom households and minorities since they’re usually the most financially disadvantaged.

There are some such federal grants, which are applied through the government FAFSA website. A couple of they are personal grants – a federal grant and FSEOG grant. Two more go towards guaranteeing and subsidizing student education loans – the Perkins and Stafford programs. These guys the government Work-Study program, which pays students the market-rate salary for doing part-time government work. The main one point all of them share is they are emphasize enhancing the poorest students obtain a higher education.

Of course, these aren’t the only real authorities scholarships available. There are also programs like TEACH, which subsidize the training of teachers, as well as programs provided to convey governments to become awarded as grants, e. g. to coach nurses. Addititionally there is money invested in subsidize the whole process of special-purpose colleges, e. g. women’s colleges and colleges for minorities. On top that, addititionally there is aid that’s useful to single moms attending college, while they aren’t technically intended for education. An example is low-cost childcare, these guys subsidized housing (usually channeled with the state ), after which you have the food stamp program (now called SNAP).

But the government assuring governments aren’t the sole parties providing grants for ladies and single moms who wish to increase their families’ livelihoods. Private non-profit organizations such as the Philanthropic Education Organization, the Jeannette Rankin Foundation, and also the Talbots Women’s Scholarship Fund also do operator for making advanced schooling possible for ladies from poor families. I have listed three from many charities which decide to accomplish their social missions by helping women visit college.

Whereas the government has a tendency to award around $4000 to $5000 (towards the poorest students), private organizations award somewhat less cash, around $500 to $1000. While $1000 doesn’t appear to be such a large amount of cash, it may accumulate if you achieve several scholarship, particularly when put into the $5000 from the Pell grant and $4000 from the FSEOG grant. Considering the fact that the tuition for any college ranges from $9000 to $16000 (depending on 2009 statistics), it’s possible for any single mom to obtain her Bachelors degree without having to spend some of her very own money. This is particularly the situation if she’s right into a subsidized women’s college or minority college to review an over-all degree.

The modern economy is dependant on knowledge and knowledge, and many jobs require a minimum of a Bachelors degree. A lady who would like to improve her families’ life has little excuse to not obtain a higher education, because of the widespread accessibility to scholarships/grants for single mothers.
.Single mom University Scholarship Federal Grant Information
Scholarship and federal grant money can easily be bought for any single mom desiring to go to university. The uncertainty to be in a position to pay the tuition is among the main concerns many single parents fear when it comes to advanced schooling.

The information a required to determine whether she qualifies for any university scholarship grant to offset these costs are available by searching on the internet, traversing to a library or inquiring at federal agencies. Finding grant cash is easy.

However here are some guidelines to bear in mind.

Narrow your research by focusing on the single mom university scholarship federal grant you like. For example, if you are planning to review in a local university, don’t include outside the state university scholarship grant programs.
Don’t think that since the details about the scholarship doesn’t show that it is single mom university scholarship federal grant that you simply cannot apply. Make an application for grants liberally.
Inquire about any scholarship orl grant that appears to meet your other criteria. For instance, whether it’s for any nursing degree or engineering degree, these ought to be specified.
Checkout grants for people underneath the nontraditional, reentry, or adult students program. Due to the many diverse circumstances in today’s world these grant programs have become more offered at major universities.
Probably the most overlooked areas for advancing education is thru online university degree programs. These can also be entitled to single mom university scholarship federal grants under newer programs.
You must also understand how to make an application for university scholarship federal grants. How you write the application and also the kind of information you provide could make the main difference between obtaining the educational funding you’ll need and being denied. The most crucial advice here’s never to omit pertinent information. Answer the questions towards the better of what you can do. And do not hesitate to complete research for inspiration. This little extra effort provides you with the advantage over other single moms and general scholarship applicants.

Many universities offer scholarship federal grant program. Both mature and young mothers can access a few of the single mom federal grants, however most are especially for older, more aged students in special circumstances. Do not let this caveat to sway you. Like a single mom you may be qualified.

Begin with creating a listing of the universities you are looking at attending. You are able to gather quite a lot of scholarship information simply by visiting websites on multilple web sites. If you fail to recognize all the information on the website or else you need clarification, get the telephone and call the educational funding office. I’ve discovered this to become the best and quickest method to discover the language of university scholarship federal grant terms and obtain those who work in between questions answered. Whether or not the university itself doesn’t offer single mom university scholarship federal grants they might well know where one can get help.

No one ever said going to college was easy. You are in a new place where you do not know anyone. It’s common to experience some minor setbacks while learning to adapt to life in college. Does this apply to you? If so, then this article can help. By following the advice presented here, you will be able to transition easily into college life.

Make sure that you bring an ample amount of toiletries when you enter college. These are important. You don’t want to move into your dorm and then find you don’t have any toilet paper! Purchasing in large quantities may be financially beneficially.

A loan is a valuable option if you cannot pay for college. School may seem expensive up front, but will pay off many times over after you have graduated.

Keep in mind that you should be eating healthy while in college. Gaining the “freshman 15″ isn’t a myth! You have to watch what you eat. Resist the temptation to grab junk food from a vending machine or go on a late-night pizza binge. It is cheap and quick, but doesn’t give you the energy a good meal does.

Be sure to eat well while in college. There’s nothing fun about the freshman 15! You have to watch what you eat. Resist the temptation to grab junk food from a vending machine or go on a late-night pizza binge. It is cheap and quick, but doesn’t give you the energy a good meal does.

TIP! Gather your funding for your education by learning about and applying for all applicable grants and scholarships. Many students don’t bother learning about things that can help make college a lot easier.

Before you go away to college you should know all you can about what you will be majoring in. This will make sure that you will select the college that has the program courses in your field of interest. Check with the college’s admissions director in order to verify they have the courses that you need to take.

If you wish to get the most out of studying, it’s important to do it in the right environment. The dorms generally aren’t great places to study. Instead, search for quiet locations where you can study without noise or interruptions. A library is always good. If you have to study in the dorm, get yourself some headphones.

Learn as much as you can about your chosen career before choosing a college. You will know that the college that you are going to has the classes that will best prepare you for that career. If you are unsure, you can make an appointment to meet with an admissions counselor beforehand.

TIP! Did you know that where you sit can impact your odds of passing a class? Instead of sitting at the back of a class to avoid your professor’s attention, sit up front where you will be more attentive. This shows your professor that you are involved and serious about your education.

It is important to get plenty of sleep. Although young people feel indestructible, they actually need more sleep to function well than older people. You’ll have bad behavior and forget many things, if you don’t get enough sleep.

You no longer live at home, and you will have to care for yourself. Some indulgences are okay, but still maintain a nutritious diet, get proper sleep, and take care of yourself and your possessions. Establish a schedule that allows you to get enough sleep, go to all your classes, study and spend some quality time with your friends. Unhealthy food and stress can make you ill.

Get enough rest. At first, you may think that you can skimp on sleep and still get by. If you aren’t getting enough sleep, then your mind will not function the way it should be, which can negatively impact your grades.

TIP! Be sure to make use of local transportation. Normally it is faster to ride the bus than driving.

Deciding whether or not you need a car while you’re in college is something you need to consider carefully. You may not find parking easily. Also, if you have a car on campus, you will have to pay for regular maintenance as well as insurance and gas.

Try to develop excellent relationships with all your professors. Your professors are a tremendous resource and can help you greatly. Make it a point to ask them questions and to offer your assistance where needed. Your grades and the opportunities you are offered will be better if you take the time to build good relationships with your professors.

You are living by yourself and making your own food. Choose healthy foods, get eight hours of sleep every night, and study as much as possible. Have a schedule for everything, including taking care of yourself. Stress and an unhealthy diet can make you sick.

TIP! If you’re going to a different state or wish to live on the campus, carefully think about whether or not you should bring your vehicle. It is hard to find parking in a big city.

As you are no doubt aware, it’s perfectly normal to feel anxiety about the prospect of taking college courses. It is not very easy to go to college and start your new life away from home, this article can help. (3)


Dealing With A Student Loan? Read This – Scholarships, Grants, and Loans

Taking a student loan is an excellent way to help someone with the high costs of getting a college education. But unlike a scholarship or a grant, a loan is not a gift of money. You must repay it. To learn what you must know about any loans you take out, read the following interesting tips.

Be aware of the grace period that you have before you have to pay back your loan. This usually refers to the amount of time you are allowed after you graduate to pay back the loan. Knowing this allows you to make sure your payments are made on time so you can avoid penalties.

Make sure you know what the grace period is for your loans before you need to start making payments. This is generally a pre-determined amount of time once you graduate that the payments will have to begin. You can get a head start in making timely payments by knowing what your grace period is.

TIP! Make sure you understand the fine print related to your student loans. Keep track of this so you know what you have left to pay.

Do not overlook private sources of funds for college. Even though there are plenty of student loans publically available, you are faced with more people trying to secure them. These private loans are not tapped into as much, which means they contain smaller increments of money due to lack of awareness and size. Look around for these kinds of loans, and you may be able to cover part of your schooling.

Don’t panic if you aren’t able to make a loan payment. Life problems such as unemployment and health complications are bound to happen. Know that there are options available such as a forbearance or deferment. Still, remember that your interest will have to be paid back, so try and pay what you can, when you can.

Make sure you stay in close contact with your lenders. Let them know if your number, email or address changes, all of which occur frequently during college years. It is also important to open and thoroughly read any correspondence you receive from your lender, whether it is through traditional or electronic mail. Perform all actions to do as soon as you can. Missing anything in your paperwork can cost you valuable money.

TIP! If you are thinking about paying off any of your student loans ahead of schedule, you should focus on the ones that have the highest interest. You may owe more money if you don’t prioritize.

If you have the ability to pay more than what you owe on your loans, try to get those with the highest interest taken care of first. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

Know how much time your grace period is between graduating and when you need to start paying back loans. Stafford loans offer loam recipients six months. It is about nine months for Perkins loans. Grace periods for other loans vary. Understand when your first payments will be due so that you can get on a schedule.

Pay off student loans in interest-descending order. Try to pay the highest interest loans to begin with. By concentrating on high interest loans first, you can get them paid off quickly. Speeding up repayment will not penalize you.

TIP! Lower your principal amounts by repaying high interest loans first. You will reduce the amount of interest that you owe.

Identify and specifically choose payment options that are suited to your personal circumstances. Most student loan companies allow the borrower ten years to pay them back. If these do not work for you, explore your other options. For example, you might have to take a while to pay a loan back, but that will make your interest rates go up. You might also be able to pay a percentage of your income once you begin making money. There are even student loans that can be forgiven after a period of twenty five years passes.

Pick a payment plan that works best for you. Most loans have a 10-year repayment plan. If this won’t work for you, there may be other options available. If it takes longer to pay, you will face a higher interest charge. You could start paying it once you have a job. Some student loan balances are forgiven after twenty five years have passed.

Take as many hours each semester as you think you can handle so you don’t waste any money. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly. This will help lower your loan totals.

TIP! Many people will apply for their student loans without reading what they are signing. Ask questions so that you are completely aware.

You can become an expert about student loans when you utilize the information provided in this article. It’s tricky and tedious finding the best student loans, but the task is doable. Take it slow and use this information to find loans that are right for you.

Stafford and Perkins loans are the most advantageous federal loans to get. Generally, the payback is affordable and reasonable. These are good loans because the government pays the interest while you are still in school. There’s a five percent interest rate on Perkins loans. On the subsidized Stafford loan, it’s fixed at no higher than 6.8%.

TIP! If your credit isn’t the best, and you want to apply for private student loans, then you will probably need a co-signer. It’s imperative that you make your payments on time.

Everything College: Tips And Advice About Higher Education – Scholarships, Grants, and Loans
College can be one among the most wonderful, exciting times in all of life. That said, it can easily turn overwhelming. In the article that follows, you’ll learn a lot of tips that will help you with your higher education so you will be able to reach your educational goals easily.

Have a good supply of toiletries on hand. You’ll go through these toiletries pretty fast through regular use. Bulk purchases avoid this situation and keep your costs down, too.

Before you leave for college, make a checklist of everything you will need. It’s better for you to be prepared prior to going to school instead of needing to give your parents a call to get help all the time. This is especially something to do if your classes aren’t that close to home.

TIP! Invest in a good quality water bottle to keep with you. It is important to stay hydrated throughout the day.

Apply for grants, scholarships and loans promptly. By securing every possible dollar, you will reduce your need for loans. Figure out a system that allows you to manage your finances and allows you to apply for things quickly.

Set realistic goals when you schedule you work and classes. Avoid taking classes too early in the morning if you are unable to follow a strict schedule. Adopt a schedule that fits with your body’s internal clock.

TIP! Make sure you’re not setting goals that aren’t realistic for you. If you’re a night person, you will never succeed in attending early morning classes.

If you are experiencing problems in classes, you can get help studying. Many students are used to getting high grades with comparatively little effort in high school and may not be sure how to study for their college courses. If you know how to study, you will do better in class.

It is a good idea to begin thinking about your eventual career as early as possible. This will allow you to verify that the school you are looking at offers the classes you need to achieve your desired degree. Speak to admissions to find out if they can help you get the education you require.

TIP! If you realize that college is very expensive and you do not have the money to cover it, strongly consider acquiring a loan. School may seem expensive up front, but will pay off many times over after you have graduated.

Only study where you can really focus on the materials. A dorm room is probably not a good place for you to study. Instead, look for a quiet area where you will be free from interruptions. You should opt for the library. If nothing else, purchase some headphones that will cut down on the amount of noise that you hear.

Eat breakfast every day! Small meals comprised of fruit or yogurt can make a big difference. A growling stomach is the kind of testing distraction that you can easily avoid with a little preparation. Eating before a test will keep your body and mind energized and focused on the work at hand.

TIP! Balance your class load with classes you need along with at least one elective that you enjoy. If you have to have the class for your requirements, get it over with so you can take classes you like down the line.

Try taking a single general education class in your first semester to get it over with. If you have to take it, but aren’t interested in it, leave the hard classes for last. If anything, you’ll wish to avoid becoming a senior sitting in a course containing mainly freshmen.

When your classes begin, you have to get acquainted with your instructors. You need to know the locations of their offices and how to contact them. You need a good relationship with your professors for many reasons.

TIP! When your classes begin, you have to get acquainted with your instructors. Make sure you know the location of their offices and how to easily contact them.

While you’re attending college, participate in an internship. You can get a chance to experience what you will be doing after college. If you do well, you might get a job with that company! You’ll find plenty of resources available from your college that can help you set up an internship, so take advantage of the opportunity!

Take a break when you’re working or studying. Though study time is key, breaks are often just as crucial. Take a 10-minute break every hour while studying to help relieve stress. Create a schedule that you can stay with.

Begin your day early. By getting up early you can eat a healthy breakfast and spend some time at the gym before beginning your day.

One option could be to take your first two years of study at a junior college. It is a less expensive way to get your core classes out of the way. You can always transfer to the university of your preference after you have completed your transfer units. When you have a small budget, this may be your only option.

TIP! When you are traveling far from home for college, determine whether you should bring your vehicle or leave it home. It is hard to find parking in a big city.

If you have a full-time job and want to go back to college, think about an online school. Someone without the access and time to take courses at an ordinary college may still be able to pursue their education online. Online universities give you the opportunity to work on your education on your own schedule.

As previously mentioned, people should enjoy college. Your time could be unpleasant if you make any costly mistakes. Keep this advice in mind and make the most of your college years. (72)

Student Loan Information in Simple Terms – Scholarships, Grants, and Loans
Many people today would love to attend school, but because of the high costs involved they fear that it is impossible to do so. If you are here because you are seeking ways to afford school, then you came to the right place. Below you will find good advice on how to apply for a student loan, so you can finally get that quality education you deserve.

It is important for you to keep track of all of the pertinent loan information. The name of the lender, the full amount of the loan and the repayment schedule should become second nature to you. This will help keep you organized and prompt with all of the payments you make.

Don’t panic if you’re having trouble repaying loans. You could lose a job or become ill. There are options like deferments and forbearance for most loans. The interest will build during the time you are not making payments, however.

Be sure you select the right payment plan option for you. Many loans allow for a 10 year payment plan. Check out other options if you can if you can’t make this work for your situation. For instance, you may pay back within a longer period of time, but it will be with higher interest rates. You can pay a percentage once the money flows in. The balances on some student loans have an expiration date at 25 years.

Anyone on a budget may struggle with a loan. Rewards programs can help. For example, check out the LoanLink and SmarterBucks programs from Upromise. The are akin to cash back incentives, and the money spent works like a reward you can use toward your loan balance.

Take a large amount of credit hours to maximize your loan. You will graduate more quickly if you get to 15 or 18 hours each semester rather than 9 or 12. This will keep your loans to a minimum.

Do not consider the idea that a default on your student loan will give you freedom from your debt. There are several ways the government can get their money. For instance, it has the power to seize tax refunds as well as Social Security payments. They can also take money out of your paycheck. This can become financially devastating.

Make sure you stay current with all news related to student loans if you currently have student loans. Doing this is just as important as paying them. Any changes that are made to loan payments will affect you. Keep up with the latest student loan information on websites like Student Loan Borrower Assistance and Project On Student Debt.

Don’t pass up the opportunity to score a tax interest deduction for your student loans. This deduction is good for up to $2,500 of interest paid on your student loans. You can even claim this deduction if you do not submit a fully itemized tax return form. This is especially useful if your loans carry a higher interest rate.

Attending school today is really only possible if you have a student loan, as stated in the above article. Universities and Colleges have enormous tuition that prohibits most families from attending, unless they can get a student loan. Don’t let your dreams fade, use the tips learned here to get that student loan you seek, and get that quality education.

Get The Most From Your College Education With These Tips – Scholarships, Grants, and Loans
After a great deal of effort, you are finally in college. What’s the next step? Sometimes it’s scary and frustrating to get into the college lifestyle. Here are some tips to help you get used to school much more quickly so that you can focus on having a great time.

When you are preparing for college, create a list of the items you need. Be certain you have everything you need so you don’t have to call for help from your parents on a regular basis. This is even more important if you will be attending a college that is far away.

TIP! Take a water bottle to class with you. Proper hydration is important, even in school.

Apply for grants, scholarships and loans promptly. The more time you devote to securing funding for college, the less money you will need to borrow. Schedule deadlines and work hard on submissions.

You want to be sure that you have the right testing materials, as they vary for different classes. Make sure you have your calculator, some extra batteries and everything else you need for your exam. The professor may not have extra items to lend you, so make sure you have what you need before you leave for class.

If you are enrolled in courses and holding down a job, be realistic when setting your goals. If you struggle with waking up each morning, don’t set yourself up for failure by choosing morning classes if possible. Choose classes that will allow you to follow a schedule you can enjoy.

TIP! If you can’t afford college, you may qualify for a student loan. College is something that can pay great dividends in the long run, so it should be okay to acquire a little bit of debt for the future rewards.

Only study where you can really focus on the materials. Studying in your dorm isn’t usually feasible due to the noise and activity level. Choose a place with no distractions, instead. Libraries are an exceptional choice. If there isn’t anywhere you can go, try getting headphones that have a noise cancelling feature.

Know how to get in contact with your professors. Find out where your professor’s offices are located. Also, get their contact information so you can communicate with them. When you have a relationship, they’ll be easier on you when you need help.

Explore your options and pursue activities that interest and engage you during your off-time. Getting involved in many extra-curricular activities that show your interests will look good on your resume. Try not to do more than you can handle while maintaining your grades.

TIP! Regardless of your gender, visit the campus gym as frequently as you can. You can get your workout in, and you can also meet up with many people in your school who are active.

Take the school bus. It may be just as quicker or quicker than driving. You won’t have to look for parking either. In addition, you’ll save money on gas and parking permits. You can also live green this way.

To avoid gaining a ton of weight while at college, pay attention to the type of foods that you eat. Stay away from meals heavy on processed food and sugary snacks. Eat some fruits, fresh vegetables, some healthy snacks and drink plenty of water to maintain your energy. Protein is important, too, but you need other options.

Get enough rest. College and all-nighters go hand in hand, but it is important that you get enough rest. Not getting enough rest can really have a negative impact on your whole college experience.

TIP! Try to avoid using a credit card, but if you must, pay it off each month if possible. Late fees and interest can quickly add up and double what you originally owed.

Purchase second-hand books. New textbooks cost an arm and a leg. When you factor in the cost of classes, the necessity of saving money becomes paramount. Look for online retailers and bookstores for used textbooks. Buying used will save you a lot of money.

Wait to purchase books until after the first day of the class. You might not even need all of the recommended books. Online classes rarely use books, so do not jump to buy the book for these. Many times, online studies and lectures can help you with the class.

Catch the local transportation to your classes. You might be surprised to find that traveling time is nearly equal to that of driving your own car. You’ll save time looking for a parking spot on campus too. You won’t have to spend money on parking and fuel. It is also great for the environment.

TIP! It can be hard to avoid gaining the freshman 15. You want to stay away from processed foods.

Take notes in class. Writing down what you are listening to can help you to remember it. This ensures you’ll have them handy come test time. Even if the things you’re hearing are something you already know, make a habit out of writing everything down.

Don’t rely on your high school reputation. Even if you were a straight A student in high school, or a star athlete, college will be a totally different world where no one will care about that. Push yourself harder to succeed and try new things rather than expecting things to go the same way they did when you were in high school.

If you’re stuck with covering the costs of your own textbooks, opt for used books. Textbooks can be quite expensive. Look into buying them used to save money.

TIP! High school is much different from college, as you will need to start all over. The college experience is an entirely different animal than high school; no one is going to care about what you did when you were in high school.

Don’t plagiarize! Ever! As a student, you are likely to author a wide-variety of papers on various topics and courses of study. It is your duty to obtain a proper understanding of citation in order to prevent any confusion or problems regarding plagiarism. The individual professors will have several different techniques for checking the originality of a document.

Never submit the first draft of a paper. Take time to write it a second time. Instead of just going over it, create a second draft as well. Proofread the second draft and perfect it. This can reduce any errors and help distinguish the points that you want to get across.

Check out the career office at your college for a job. You should be able to find jobs on campus and get some help with finding a good job once you graduate.

TIP! Don’t ignore the importance of study breaks! Studying is important, but taking breaks is important, too. For every hour that you spend studying, make sure that you take a break of at least 10 minutes.

Consider taking classes at a local community college for your first two years. You can save money and decide on a major. Also, you are given the option of transferring after a certain period of time. If a four year degree is too expensive for you, this is a great alternative.

Don’t bring a lot of stuff with you if you are going to live in a dorm. They’re not big and don’t offer a great deal of organizational space. Write out a list of what you need and stick to it. Find space-saving storage designs and compact options.

When you are creating your schedule of classes, try not to pack too many classes into one semester. Too many classes can overwhelm you and create stress. Overloading your schedule will not help you to learn more, but will actually cause you to learn less overall from spreading yourself too thin. Make sure to balance out the difficulty in your classes with just a couple that are challenging in a semester.

TIP! Learn how to avoid plagiarism. While you are in college, you will write a great many papers.

Take some time for yourself now and then. Studying constantly can cause burnout. Your parents probably scoff at the idea, but it is possible to study too much. To avoid burnout, take a break and go hang out with friends every once in a while.

Are you an athlete? Talk to the college coach ahead of time. Often, college coaches are not aware of the good athletes who are interested in playing for them, so you should let them know that you want to play there. In addition, you just might land an athletic scholarship, which can really help pay for your classes.

Create a schedule that allows ample time for restful sleep. It is easy to suffer from sleep deprivation in college. Without getting enough sleep, you’ll struggle at focusing during your classes.

TIP! If you are frustrated with school, give the program at least a year before you decide to try something else. Some of the things that cause students to quit are just short term difficulties that need to be worked through.

Do not rely on notes from other students. You do not know if they take good notes or not! They may take short cuts or not write down all the important information.

Don’t bring a lot of stuff with you if you are going to live in a dorm. Dorm rooms are usually small, and too much stuff can make them even smaller. Draft a list that includes basic items and keep to it as you shop. Look for storage and space-saving choices, as well as compact designs.

TIP! Make sure you take breaks occasionally. If you study for long periods of time, you can experience burn out.

If you have kids, you might believe you can’t stay on campus. But this is not always the case. Family housing is available on a number of college campuses. It has come to the attention of many colleges and universities that a growing portion of their enrolling students graduated from high school several years ago. Ask about family housing early, as it usually fills up quickly.

You finally made it to college, so it is up to you to maximize the experience. You worked diligently to get this far, so you have to make sure you keep at it to get what you want out of it. Take full advantage of the advice you’ve learned from this article. Learn everything you need to learn at college, and get ready to begin your adult life!

If you play sports, you can continue to play in college. Contact the coach at the college you are interested in attending. It is common for coaches to be unaware of many promising athletes, and therefore it makes sense to let them know of your interest. This may even get you a scholarship that you didn’t even expect to get! (1)

Student loans -some different types you may be eligible for

Students preparing to go to college this fall may be preoccupied with selecting a computer or looking for sheets for a dormitory bed.

Oftentimes less attention enters into choosing scholar student loans. The choice gets put aside or made in a moment because tuition is owed, financial products have perplexing names and the financing office at your college could provide very little guidance. Lots of students suppose all school loans are similar — a mistake that may inflict thousands of dollars in avoidable financial debt.

Consumer advocates — worried about students coming out of college with overwhelming debt — are already pressuring colleges to give more assistance to students working to make loan selections. A few colleges, like Barnard College and Mount Holyoke College, have been lauded by the Institute for College Access & Success for emphasizing the potential risks of private financial products.

But regardless if your financing office isn’t especially helpful, you can actually find the best loans on your own.

Get started with a telephone call to your college financial assistance office director, and take the initiative by questioning if you may still be eligible for any financial aid that you’ve not yet asked for. If you come from a lower income family, ask about Pell Grants that may provide as much as $5,500 in funds that doesn’t need to be repaid. Then ask if it is possible to tap into any state grants in your home state or the state where you are attending school. Try calling your state government’s department of education.

If you find that you are too late to qualify for a grant this current year, put next year’s request date on your calendar. Never pass up free money.

After tapping all the free money as possible, your next move is to decide on student loans. You would like to turn first to loans through the federal government instead of private loans that come from the bank or nongovernment loan provider. Again, you ought to be guided to federal loan applications by your college financial assistance office. You can get additional information at

“Stafford” Student Loans
The paperwork from your financing office will most likely give you a selection between sponsored Stafford loans or unsubsidized Stafford loans. There’s a significant difference between them. Should you qualify, go ahead and take subsidized Stafford loans, which have a $19,000 restriction for 4 years of undergraduate studies. Sponsored means the government reduces your costs by absorbing interest during in-school deferment and gives a really low interest rate, of 3.4 percent. That rate is for loans started during the 2011-12 academic year. This is unquestionably the most beneficial interest bearing student loan program.

This is a lot better than the 6.8 percent for the regular Stafford loan, which is unsubsidized. Also, because interest on an unsubsidized student loan accumulates while you’re at school, your balance for, for example, a $19,000 loan would be roughly 16 percent higher in contrast to a sponsored loan. Keep in mind that for 2012-13, the subsidized-loan rate will increase to 6.8 percent, matching the interest rate for an unsubsidized loan.

Frequently, if your family’s income is no higher than $50,000, you’ll be in a good position to qualify for a subsidized loan. Above $100,000 makes it not likely though not impossible. Factors like having retired parents or multiple brothers and sisters attending school simultaneously will certainly affect eligibility. Cost of the school also can matter.

“Perkins” Student Loans
If you can’t acquire a subsidized loan, decide on the regular Stafford loan. Also, ask your college financial assistance office if you’re able to receive a Perkins loan. They are federal loans having a 5 percent interest rate, and they go to college students that have lower incomes than the majority of students from a specific college. So in case you come from a middle-income family, but attend a university that draws affluent students, you could be able to get a Perkins loan at that school, even though you would not in a college with many low-income students.

Should you be just like lots of students, you might find that the federal loans that you are offered are usually not adequate to cover all your costs. If so, your parents may borrow more money using what are known as PLUS loans. The interest rate on these student loans is established at 7.9 percent.

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The Effects of Student Loan Debt on College Graduates
By Christine Wilton

It’s June and it seems like graduation season is in full swing. In the mean time, student loan debt is on the rise and is currently more than $1.16 trillion dollars, exceeding credit card debt in the United States by $305 billion. There seems to be a domino effect that this enormous debt has on college grads. Tuition continues to rise and jobs are scarce. It’s holding back our economy and here’s why.

Economic markets that have been impacted thus far are the mortgage market, small businesses, retirement security and consumer spending. When grads are having their entire paycheck evaporate from debt repayment, they can’t buy a home, start a business or save for retirement. We need to rethink how we pay for college, and how much we’re willing to pay for an education in America. In the meantime, the debt load on our future leaders is forcing them to live in abject poverty during repayment.

Living in poverty may be a long-term condition as these graduates pay off a student loan debt that looks more like a mortgage in the total amount due. While a present undue hardship is one step toward getting these loans discharged in bankruptcy, alone it is not enough for bankruptcy to help. Bankruptcy courts around the country differ in their approach to determining the dischargeability of student loans, but most will use a totality of the circumstances approach. Until Congress takes action to change the current rules in Bankruptcy, the economic will continue to drag along carrying an increasing pile of debt.

It’s a perverbial ‘ball and chain’ for the Millenials. They’re stuck at home with their parents, working part-time at minimum wage jobs; maybe several just to pay their loans. With no room left for discretionary spending, which is a true sign of economic recovery, the drag continues. We see a failure to launch having social implications for Millenials. Even students who have thoroughly prepared themselves for the repayment period are finding hard times. For a complete report on the student loan crisis, click here. Graduates should not be carrying the financial burdens for greedy for profit colleges and our federal government’s ability to collect on this debt indefinitely.

It looks like criminals have more rights than our college grads. There is little incentive to make changes in Congress because the government is making money off the backs of our children and our country’s future through default collections costs, servicer fees, and the ability to garnish wages and intercept income tax refunds without a court order. This student loan lawyer believes it’s time for revolution.

About Law Offices of Christine A. Wilton
Consumer protection and bankruptcy lawyers of Law Offices of Christine A. Wilton represent families facing financial difficulties, burdened by debts including taxes, student loans, credit cards, medical bills, law suits, fallen behind on home mortgage payments, or facing auto loans they can no longer afford. The firm has helped clients eliminate student loan debt and helped reduce principal mortgages through the bankruptcy process. The law firm is passionate about helping clients achieve financial freedom from their debts and fights oppressive debt collectors.
For more information please call 714-533-9210 or visit their website for a free consultation.


A Free Scholarship Guide » Blog Archive » Private Student Loans – Covering Expenses That Federal Loans Are Not Able To

Having the child accepted to college is a source of great pride to families, but it also causes a lot of stress to the family because most people are not able to afford the huge fees involved, which can amount to thousands of dollars, even for colleges offering non technical courses. Most families cannot afford to send a child to college without getting some form of financial aid. There are many types of financial aid that a student or parents can avail of, but there might still be a shortfall in the amount of money required. Private student loans are a means of covering the difference in the money available and the money required for the years in college.

College is very expensive, and the total cost includes tuition, accommodation as well as food. There are many college, state and federal programs to provide financial aid to students but they might not cover the entire amount required. It might be difficult for families to put in this extra amount given that people’s incomes have dropped whereas expenses have increased very much. It is for this reason that increasing numbers of people are taking private student loans.

Private student loans are useful for other reasons as well. There may be unexpected expenses that crop up during a student’s stint in college that a part time job cannot pay for. These include the purchase of expensive new books or a computer. They are also helpful to pay off local transportation costs, which can be very expensive for a student on a tight budget. A student might even need to travel on educational trips during these college years, and a student loan from a private agency will easily cover it. The other reason that these loans are needed is the often overlooked fact that colleges can hike up their tuition fees.

There are certain advantages to applying for these loans rather than for federal ones. Any person who has a good credit rating can apply for these loans, and they are not limited to people who have financial difficulties. These loans are also very flexible and you need apply for them only when you have the greatest need for the money. The response time of the lender is very little, when compared to federal loans, and a person can get the money within a few days. This is probably the reason for the volumes of these loans growing at a much higher rate than federal loans. If the student can get another person with a good credit rating to co-sign the loan, the rate of interest the loan will be offered at will be much lower than usual.

There are many companies that offer these student loans, and a borrower is advised to do a study of all the loans available before taking a loan from any one company. It is possible to get loans to cover 100% of one’s education expenses by taking a combination of federal and college financial aid and these private loans.

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