July 19

World Class Universities Offer Education To Low Scoring Students

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Getting an under graduate and a post-graduate degree is everyones dream, however, there are some people who are unable to secure top marks and fail to pursue their dream education from a reputed college or a well known university. In cases where people really couldnt afford quality higher education due to low scores, there are many universities which have come up with distance education MBA or other bachelor and post graduate degrees.

Moreover, many top notch universities have also open the door of high quality graduation and post graduation education to the students who fail to score good marks. And, to make all this possible, universities have decreased the minimum percentage of marks required, which is just 60% now to get admission in courses such as electronics engineering, BBA aviation and MBA power management. However, to get admission in world class universities with such low marks, students must have either scored or they need to score minimum at least 60% marks in secondary as well as senior secondary exams.

And usually, there are only a few courses that cannot be opted for by individuals after completing their schooling, viz. Bachelor of Technology, BDS and MBBS. These are the courses which a student from a science background can opt for, but there is one more glitch. In the Indian education system students having physics, chemistry, biology, and math can get in any of the available courses. But, students having physics, chemistry and math with computer science can never opt for BDS or MBBS as their course choice.

However, it is totally different in case of Master of Business Administration, as students from any graduation background can easily opt for this course and acquire and hone their management skills. But, there are some specific management courses, which have been started by some leading universities, and those courses cannot be pursued by each and every student, and some of those courses are post graduate management programs are MBA in Information Systems, Infrastructure Management MBA etc.

Students having an engineering or Bachelor of Science degree are the only ones who can pursue these courses. But to get admission in any of the MBA programs in any of the worlds best universities, students must score or have scored minimum 50% in their 10th, 12th and graduation.

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July 19

Pro’s And Con’s Of Doing Part Time Jobs By Students

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The idea seems great when the studying students spending a few hours in accomplishing their job tasks by doing Part time jobs just for earning a few extra bucks. In some ways this idea will go profitable like they can use the money for paying their college fees or use it for fulfilling their other necessities. In other words he gains the knowledge as well as learns the value of single penny. But still there is big question is really a part time jobs is good for studying students? They have spending their lot of time in doing only part time jobs.

As we all know that this culture or trend has also been adopted in India as well. Especially in metro cities of India like Kolkata. This kind of trend has it several pros to letting student tackle a part time job in Kolkata. Earning through part time jobs in Kolkata will surely money-making process by which you can earn enough money to pay for your extra expenditures, specifically for perks like dinner and a movie out with friends. This may take some of financial burden off of you.

Moreover the students can realize the value of rupees they’ve earned it themselves. They also come aware of few basic but necessary factors of life like importance of saving, balancing a checkbook, and setting financial goals. In addition to that they won’t spend their own money the way they’ve been spending their parent’s capital. Almost students in India are greatly engaged with the call center jobs in Kolkata because these companies are offering the good salary packages with flexible timings. The students are also having showing their great interest towards the freelance jobs in Kolkata or online jobs in Kolkata.

The reason of popularity of freelance jobs in Kolkata is that there are plenty of options are available which can be can by sitting at your home only like article writing jobs, data entry jobs, graphic designing jobs and more. There is no doubt in that the encouraging the students for a part time job in Kolkata has numerals of benefits but in the same time there are equally as many cons. The major con of doing part time jobs is unnecessary stress or over load of work. The second big reason of avoiding part time jobs in Kolkata is that many times some students engage themselves in the wrong things like alcohols, drugs and more that is of course not good for single student.

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July 18

UK Universities The Best Option for Career Oriented Students

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Proper education helps to achieve career goals and it is very important to select proper university in order to have best academic career. Education consultants are best people to select the right university for you when you decide to study abroad. >

An educational consultant is an independent consultant who helps you and organizations with educational planning. They are classed as educational, vocational, and school counselors. An Overseas Education Consultants takes charge of your well being when you visit a new place for your studies.

According to the survey, UK universities have been successful in attracting many bright students to their facility. There are many universities in UK which are ranked amongst the top most universities in the world. The classification of universities in UK is given below: -Ancient universities – These are those 7 universities founded between the 12th and 16th centuries. -Lampeter, London, Durham and Wales – Chartered in the 19th century. -Red Brick universities – The six large civic universities chartered at the 20th century -Plate Glass universities – The universities chartered in the 1960s -The Open University – The 1968 Britain’s ‘open to all’ distance learning University -New Universities – Universities formed after 1992 from polytechnics or colleges of Higher Education

When you Study in UK you get a lot of options to make your academic career fruitful. Majority of universities in UK are financed by the Government along with a subsidized tuition fees. Overseas education consultant will guide you with all the procedures required from VISA clearance to your accommodation when you study in UK.

Also, UK Universities have a constitutional commitment to support their students in the establishment of students union. These associations are sometimes members of the National Union of Students of the United Kingdom and their local National Union of Students Areas.

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July 18

Homeschooling Tips Just For You

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If you are embarking on the challenging task of educating your child at home, you do not have to reinvent the wheel. With its 70 years of modern history, American homeschooling has been used by a number of parents to educate their kids. From the experience and wisdom of hose parents, combined with our own experience, we bring you knowledge in the form of seven homeschooling tips that should help you be an awesome homeschooling parent.

1. Before starting your home school, you should check your local laws and regulations and comply with them if they require anything from you.

2. Basic educational skills are essential for you if you want to guide your children properly in their education. You should have reasonably good reading, writing and mathematics; if not, it’s a good idea to join some adult classes to improve on them.

3. Having a good working relationship with your child, apart from having a fruitful thing in itself, will help you a lot in homeschooling your child. Setting goals and complying with them is all the easier if you have clear communications and a healthy relationship with your child.

4. As a parent homeschooling your child, which is not the norm in the present society, you will invite a lot of comments and criticism about that decision. This tip is about being prepared about that criticism – sometimes all the evidence that you put forth proving how better homeschooling is as compared to public education, people will not be convinced. So keep a thick skin, and remain ready for the skeptics.

5. As a parent and a teacher, you should be observant of your child’s needs and feelings. As their sole supervisor, they require you to do that, so that you can do any course correction if required.

6. It is normal for any classroom to become quite stressful , and as a guide and teacher it will help if you have a good sense of humor to help relax your child and yourself.

7. Being a parent itself presents a lot of responsibilities. Added to that, being a teacher to your child, and running a classroom with its daily schedule, lesson plans and activities will mean that you will need to have very good time management and organizing skills if you are to successfully wade through all the jobs that are required of you. If you need to, it would be a good idea to join some classes to get some expert help in improving these skills.

Do not try to implement all of these homeschooling tips at once, unless you are in the process of creating your homeschooling program. Introduce one tip and let it work its way into the regular flow of things and then introduce a second and a third.

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July 18

Record Number of College Graduates Defaulting on Student Loans

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As college costs continue to rise, so does the number of students taking out student loans: Nearly two-thirds of students attending four-year schools now graduate with debt from student loans. Over the past decade, student debt levels have shot up by 108 percent.

While these numbers are significant on their own, the number of borrowers who are defaulting on their student loans has also skyrocketed to the highest level in over a decade. Preliminary data from the Department of Education shows that federal student loan default rates are coming close to topping 7 percent, compared to 4.6 percent just two years earlier, an increase thats raising alarms about borrowers ability to pay off their student loan debt in the current economy.

“The volume of people in trouble is definitely increasing,” said Deanne Loonin, a staff attorney for the Boston-based National Consumer Law Center and consultant for low-income student loan borrowers.

Unstable Job Market Leading to More Student Loan Defaults Education Department officials warn that while these default numbers are high, they may be just the tip of the iceberg.

This most recent federal student loan default rate is for the fiscal year 2007 and only accounts for students who started repaying their federal college loans between Oct. 1, 2006, and Sept. 30, 2007, and who had defaulted by the end of September 2008. The data doesnt include borrowers who, unable to repay their federal student loans, have gone into deferment or forbearance or borrowers who have defaulted on non-federal private student loans.

The student loan default rate is poised to climb even higher as the 1.8 million students graduating college next month who are saddled with student loan debt face one of the toughest job markets in over a quarter-century. The national unemployment rate has already broken the 10-percent mark, with regional unemployment ballooning even higher in certain states.

“Its scary thinking I could have spent $50,000 a year for the last four years and still go back to working at Wegmans, but its a reality,” Catherine Mendola, a senior at Colgate University, told The Associated Press (“College Grads Face Worst Job Market in Years,” USA Today, April 3, 2009).

Debt From Private Student Loans Particularly Troubling To make matters worse, an increasing number of these soon-to-be graduates will be leaving school with debt from private student loans, which typically carry higher interest rates than federal student loans, along with less-flexible repayment options.

The percentage of undergraduates who took out private student loans in the 200708 academic year jumped to 14 percent, up from 5 percent in 200304, according to the Project on Student Debt.

Private student loans arent required to offer the same deferment, forbearance, or income-based repayment options as federal loans, making it generally more difficult for struggling private loan borrowers to obtain a reprieve from their student loan payments and avoid defaulting.

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July 16

Accreditation for Online Education

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There is no way to express the importance of accreditation for online education. When a school is accredited, that means it has been recognized by an accrediting institution (which itself is recognized by the United States Department of Education) based on a specific set of criteria. With peer reviews and professional qualifications, these accrediting bodies determine the legitimacy of online schools based on factors such as curriculum, admission requirements, faculty, mission, school resources and much more.

Why You Should Care About Accreditation for Your Online Education

Schools are not required to be accredited, and accrediting agencies are typically private organizations. So why should you care about the accreditation of your online education program? Well, there are several reasons, which will be explained further below.

Employers care.

The fact that your education might not qualify you for any good jobs should make you stop and listen. If you get a degree or certificate from an online school that isnt accredited, chances are that most potential employers you apply to work for will not find your education sufficient. Unfortunately, some employers might also question the validity of an online degree, but with accreditation, there is legitimate proof that your learning experience was just as valid as someone who attended classes on a campus.

Schools care.

If you are ever going to continue your education or you think that you could possibly switch schools at some point in the future, you definitely want to make sure the online school youre going to now is accredited. The credits earned from an unaccredited school will more than likely not transfer to any other legitimate educational institution.

The U.S. Department of Education cares.

Like many college students, you probably plan on filling out a FAFSA and applying for federal student aid, ranging from grants and scholarships to subsidized loans and work study programs. You wont be able to qualify for any of these financial aid options, however, if you are attending an unaccredited online school.

Check the Accreditation of Online Schools

So how do you check the accreditation for online education? It shouldnt be too hardjust dont believe every claim you hear. The accrediting agency of the school should be listed on their website in a location that is easy to find. From there, you can go to the U.S. Department of Education website to make sure they recognize that accrediting agency.

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July 16

Dont Sabotage Your Study Time

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Dont sabotage your study time. Do first things first. Hopefully, youve already decided to make the Praxis II exam a priority for the next few months, so do the things that are most important to your overall life plan prepare for your success!

Get a Praxis II study guide and make it a priority to do the most important things first (like this career-determining test preparation) before going shopping, seeing friends or even watching a movie.

2) Spend the money and get the most current study guides available.

Unfortunately, not all Praxis 2 study guides are created equal. You want to spend the money and invest in your future invest in yourself! Get a Praxis study guide that is up to date for the year you are taking the exam. Get a study system that will teach you informative tips and productive strategies that will position you for passing the exam. Most important of all, get a study system that provides you with a mentor.

3) Make time to have focused study.

Create 30 to 60 minutes of uninterrupted time in your schedule that you can use for study purposes. During that time, study and review Praxis II practice tests and learn valuable test-taking strategies. If you feel you need a break, then take one, but always come back to your studies and make this time a priority for your Praxis II study.

4) Know yourself.

As simple as that sounds, many people underestimate or overestimate their abilities and thus end up sabotaging their own efforts. If youre not going to do well by studying alone, then get in a study group. Conversely, if youre not going to do well in a study group, then study alone. The Praxis 2 test is so critical, youll need to understand your limitations, but youll also need to balance that by pushing yourself beyond those same limitations.

If you dont create your time to study, then taking that time will get squeezed out of your day and you’ll end up doing less important things that dont really impact your life. Prepare yourself for the success you deserve by sticking to your studying!

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July 15

Going Back To School At 50 – It Doesn’t Have To Be Hard!

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Some people may think going back to school at 50 is silly, but, in reality, it’s a popular choice. In fact, older students have become the fastest growing demographic at colleges around the country. Whether you want to switch careers, finally get your degree, or just learn something new, going back to school at 50 can be a great choice.

But if you’re thinking of going back to school at 50, you need to do your homework long before your get to the classroom. After all, you’ll be competing with the new generation. Learn about all of the admission requirements. Figure out if you need financial aid. And ask yourself if you want to take classes online, or if you’re interested in physically to community college or a four-year university.

When it comes to going back to school at 50, many older students have some fears, especially older women. For older women, going back to school can mean that you’re the “mom” figure in class – the student who is actually older than the professor, and the one who causes other students to get quiet and start minding their manners.

But for many older women, going back to school is important enough to overcome any fears. Some women simply want to graduate, after giving up their degrees long ago to get married and have children. Or, they want to change careers. Or, they just want to learn something new now that the kids have grown up and moved out.

If you’re an older student who is thinking of returning to community college, many schools are making it easy for you. The American Association of Community College has created a “Plus 50” learning program. Participating schools are learning how to meet the needs of older students by helping them with their computer skills, helping them apply for financial aid, and even helping them locate old transcripts.

And, if you’re thinking about becoming an older student, you don’t have to let money become one of your fears. There are plenty of grants for going back to school, including:

-Many individual colleges offer special grants for students who never went to college after high school
-There are Veterans’ grant programs if you spent time in the military
-Federal Pell Grants are available for students of any age; all you have to do is meet certain income requirements
-There are grants geared towards older women going back to school, whether you already have a degree or not
-Many cities and towns offer special grants for older students, so check with counselors at your school to see what opportunities exist.

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July 14

Panchgani Schools The Face Of Indias Boarding School Education

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For a long time now, Panchgani has ranked at the top when it comes to listing the places that have the best boarding schools in India. When it comes to the list of top residential schools in India, Panchgani has not one or two but several names that make it in. Panchgani schools are famous for the open, relaxing and disciplined learning facilities that they provide to their students. Most students here prosper under the disciplined and structured schooling provided here and studies have shown it to have a positive effect on their learning abilities.
Here is a list of some of the premiere Panchgani boarding schools:
1-ANJUMAN-E-ISLAM- Panchgani Dist Satara, India
Tel No :40315
2-ANJUMAN-E-ISLAM (S. S. C)- Panchgani Dist Satara, India
Tel No :40249
3- ARAM VIDYALAYA- Panchgani Dist Satara, India
Tel No :40492
4- BATHE S M- Panchgani Dist Satara, India
Tel No :40205
5- BILLIMORIA HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No :40314 / 40910
6- BHARATI VIDYAPEETH ACADEMY- Panchgani Dist Satara, India
Tel No :40582-40583
7- CAMBRIDGE HIGH SCHOOL- Panchgani Dist Satara, India
Tel No :40519
8- CODESH- Panchgani Dist Satara, India, Tel No :40668
9- DAWN ACADEMY- Panchgani Dist Satara, India
Tel No :40390-40412 .
10-MARATHAVADA GURUKUL HOSTEL- Panchgani Dist Satara, India
Tel No :40010
11-GODEVLI EDUCATION SOCIETY- Panchgani Dist Satara, India
Tel No :40224
12-HAPPY HOURS- Panchgani Dist Satara, India
Tel No :40386/40086
13-HILL RANGE- Panchgani Dist Satara, India 40302-Tel No :40332
14-KIMMINS HIGH SCHOOL- Dist Satara Panchgani, India.
Tel No :40324
15-MAHATMA LAXMANDAS- Panchgani Dist Satara, India
Tel No :40591
16-MAHATMA PHULE VIDYAMANDIR- Panchgani Dist Satara, India
Tel No :40377
17-MAHATMA PHULE VIDYA JR. COLLEGE- Panchgani Dist Satara, India
Tel No :40677
18-NEW ERA HIGH SCHOOL- Dist Satara, India.
Tel No :40246
19-OAKS HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No : 40395
20-PINEWOODS HIGH SCHOOL-Panchgani Dist Satara, India.
Tel No : 40900-40901-40902-40290- 40570-40590-40903-40904-40905
21-SANJEEVAN VIDYALAYA- Panchgani Dist Satara, India
Tel No :40307-40308

22-SCHOLERS FOUNDATION- Panchgani Dist Satara, India
Tel No :40399
23-SHALOM INTERNATIONAL-
Panchgani Dist Satara India.
Tel No :40201
24-SILVER DALE HIGH SCHOOL- Dist-Satara Panchgani, India.
Tel No :40638

There are constant comings and goings of visitors here, either to inquire about the schools here, or to visit already enrolled children. The Ravine Hotel in Panchgani recognizes this as a splendid opportunity to serve such visiting parents. The Ravine Hotel provides several booking concessions and discounts to parents that come here to visit their children. These deals are even available for parents that have come to check out the schools are parents that wish to enjoy some quality time with their wards studying here.

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July 14

Start A New Career By Completing Correspondence Or Online Courses

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Many people find themselves stuck in a dead end job and although they dream of having a terrific career, they cannot afford to stop working in order to go back to school and earn the diploma they need. Men and women who want to earn a diploma while holding down a full or part-time job should find out more about distance education. People can complete a high quality educational program by taking correspondence or online courses from home.

The Benefits of Distance Education

Distance education allows people to complete their lessons in their spare time. They can work on assignments before or after work and they do not have to worry about traveling to and from school. People can take the courses necessary to complete their high school education or they can take career courses that will give them the knowledge and skills necessary to start a brand new profession. Most people do not realize how many terrific diploma programs are currently available online. There are dozens of excellent correspondence courses available that can help a person start a brand new career. Men and women can take courses that help them to become an auto mechanic, interior decorator, florist, website designer or travel agent.

People who take correspondence courses can study at their own pace. Although distance education requires focus and discipline, many people prefer studying on their own rather than in a classroom setting. People who have trouble concentrating in a crowded classroom often find it easier to focus on their correspondence courses. Studying from home is especially convenient for parents. Working parents can hold down a job while earning their diploma and stay-at-home parents can save money on daycare costs by completing assignments online while their children are sleeping in the evening. Parents do not have to worry about missing classes when their children are sick because they can complete their lessons whenever it is convenient to do so. Once mom or dad completes their distance education program, they will be ready to begin a new rewarding career.

How Distance Education Works

People who enroll in a distance education program receive their course materials by mail. The educational institute sends lessons, textbooks and workbooks to the students home address. Once a student has completed a lesson, they are responsible for mailing their work to the educational institute or their teacher for evaluation.

Those who choose online education complete their coursework on a computer. Online education is a great option for anyone who has a computer and high-speed Internet access. People who take online courses still receive their lessons and textbooks through the mail. Personal assistance is available to all students and students can email their teacher to ask any questions they have about their assignments. While some online educators require students to take a supervised examination at the end of their course, other educational institutes offer open-book exams that students can complete from their home computer.

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July 13

Importance of Study Skills We’re Never Going to Use This in Real Life

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When students ignore the importance of study skills because “we’re never going to use this in real life,” I tell them about the time I was programming a video game for fun. Early in college, I was working on a video game where a boulder would fly out of a stick figure’s hand when you hit the space bar (by boulder I mean large circle). The arrow keys pointed the stick figure’s arm in different directions (by arm I mean straight line). The problem was if you pressed any arrow key too long the arm would extend out forever. So I needed to enter in a formula that would tell the computer it was OK to spin the arm around and not OK for the arm to reach out into infinity.

I ended up using the Pythagorean Theorem to solve the problem. (Just in case you don’t remember, it’s the formula used to calculate the legs of a right triangle.) Then it hit me, “Crap, I actually used the Pythagorean Theorem in real life.”

Then another realization hit me, “Writing in ancient PASCAL programming language to make large circles appear out of a straight line on my monitor isn’t real life. It’s probably the furthest thing from it.” Which continues to beg the question, if you really are never going to use a lot of what you learn in school anywhere in your life, ever, why spend all that time with it? Most students spend years on the Pythagorean Theorem. How come? What’s the reason why?

Well, let’s compare all that time a student works with that theorem with lifting weights. When you lift weights, you end up developing your muscles. Though it’s not likely you’re going to have to use those exact weights daily to survive (unless you’re a trainer or physical therapist). In the same way, working with theorems help you develop mental muscles. Though it’s not likely you’re going to have to use those exact theorems daily to survive (unless you’re a math teacher). Instead of working with solid weights to build physical muscle, you are working with abstract ideas to build mental muscle. The classroom is the gym for your mind.

No doubt studying is work just like going to the gym is work. We need strong reasons why to continue doing the work. People who physically work out generally don’t want t be seen as unattractive, fat, and lazy. People who work on their study skills generally don’t want to be seen as stupid, incompetent, and lazy. They don’t want to be the dumbest person in a group. They don’t want to be taken advantage of. They don’t want to be broke. They want others to willingly listen to and follow them. They want others to be attracted to them. They want to be successful in whatever they do. They want to be able to invest their money and make more of it. They understand developing study skills can help them become who they want to be.

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July 13

Application Procedure to Study in Australia

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Study Undergraduate Courses in Australia

To study undergraduate courses in Australia you will need an Australia Senior Secondary Certificate of Education (Year 12), or the overseas equivalent like a 10+2 from a recognized board from India. Some undergraduate courses may also have specific pre-requisite subjects.

Study Post Graduate Courses in Australia

An admission to a master degree course or a post graduate course in Australia requires a bachelor’s degree. A Masters Degree takes either one year after a Bachelor Degree with honours or two years after a Bachelor Degree.

Procuring Application Form to Study in Australia If you want to study in Australia then send inquiries at least 12 months before the proposed date of admission.This means that you have to shortlist the Universities that you want to apply to prior to that.

There are three ways to get application forms to study in Australia:

You can request the Application Forms via email from the universities website. Most universities have a form on their website which can be completed online to request application material.

You can also download the form as many universities have a downloadable and ready to print versions of their application forms on the net. These forms can be used for applying just as regular forms.

There are University representatives in most countries which assists students with the entire application procedure. You can also get the application forms from many authorized representatives of Australian Universities in your country.

Academic Calendar to Study in Australia

Mostly the courses at the University level run from early March to late November. The year is usually divided into two semesters. However, some institutions offer a trimester system. Lot of Universities in Australia run summer schools from December to February.

To study Undergraduate and postgraduate by courses the students enroll for their courses at the beginning of the year. Australian universities do allow enrollment in mid-year (around July) for certain courses.

Students may be able to negotiate an alternative starting date with their study supervisor for course of study towards a Doctoral Degree or other postgraduate research awards.

You can take admission any time of the year for Foundation studies as they have student intakes at several times during the year.

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July 13

Where To Look For Scholarships

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Gaining a college education isn’t cheap, and prices aren’t coming down any time soon. Taking out loans to get through college can leave a student paying off those loans for the rest of their life. Scholarships are the best way to get through school without accruing large amounts of debt, but how and where do you get these scholarships?

Colleges and universities usually offer academic scholarships. You must first apply for a specific school’s scholarship, which usually requires nothing more than sending your transcripts. Whether or not you’re offered a scholarship depends on the scores on your transcripts. High test scores and grades will help make a scholarship offer more likely.

If you are unable to get a scholarship from your school of choice, or you simply need more award money, you can look for other organizations who offer scholarships. These organizations can be anything from businesses to country clubs. Each organization has its own criteria for determining who they’ll give a scholarship. Special scholarships may be offered only to students belonging to a certain ethnicity, or students with certain disabilities.

There are many contests and drawings that also offer scholarships. The most common are essay scholarships, where you must write and submit the best essay to be awarded scholarship money. If you doubt your writing skills, you can still win a scholarship. No-Essay scholarships can be won in drawings. Many education related websites offer weekly or monthly drawings for scholarships, and you can enter each drawing cycle.

If the expenses of higher education seem to daunting for you, don’t give up! Until you’ve exhausted all your options, you never know just how much financial help is available to you.

Web Ad Pros LLC is a No Essay Scholarships. For more info visit (www.scholarshiphooray.org)

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July 12

Study meterial

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July 12

Private Student Loans

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Private financial companies including banks or other specialized educational money lenders provide private student loans for students. It is one of the different types of loans available for the students to continue their higher education when they do not have the money to do so.

Private student loans have all the features of various government loans, and can be the best choice for those in search of educational finance. They have higher loan limits with attractive interest rates. Similar to the federal loans, they also have a grace period and students do not need to start repaying them prior to the completion of studies.

The grace periods of the loans vary from company to company and can be from six months to 12 months. Even though private student loans offer lower interest rates, they can be a little higher than the government loan interest rates, but much lower than other private loans. Unlike government loans, there are overhead charges often called origination fees, which are applicable at the time of the loan processing.

Private student loans are based on the credit history of the applicant or of the co-signer. This type of loan is utilized by students who are not able to pay for their educations without a loan but cannot apply for federal loans due to the possession of assets beyond the qualifying limit or due to higher income of the family.

Private student loans are looked as an alternative to federal student loans for parents, known as PLUS (Parent Loans for Undergraduate Students) loan. Private student loans need not be paid back until graduation, whereas the repayment of PLUS loan starts soon after the procedures. Many international students can also acquire these private loans with the help of a co-signer. The loan amount is paid directly to the school by the lender and the remaining money is given to the student for living expenses. Due to a lower interest rate, these loans are widely used by students. Today, many companies also offer online private student loans.

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