August 25

The Pros & Cons of Private Student Loans

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College students are often cautioned to avoid private student loans unless absolutely necessary, urged instead to take advantage of all other financial aid options first.

The advice is sound. Generally speaking, private student loans, which are offered by banks, credit unions, and other private lenders, dont offer the same level of borrower protections and benefits that government student loans do.

As a student, you should seek out grants and scholarships first — money for college that you wont have to repay — before taking on student loan debt. Then, if youre still going to need college loans, you should, in general, make sure youve maximized all your available federal student loans before you consider taking out a private student loan.

>> Interest Rates & Repayment Options

Federal education loans have fixed interest rates and more flexible repayment terms than private loans. The Department of Education offers income-based repayment options that keep your monthly payments at a figure you can afford, repayment extensions to give you more time to repay, and loan deferments and forbearances that can temporarily postpone your student loan payments if youre facing financial hardship.

If you go to work in the public sector, you may also be eligible for the discharge of some or all of your federal student loan debts.

With private student loans, on the other hand, your interest rate is almost always variable, and private lenders arent required to provide the kind of repayment flexibility that comes standard on federal college loans.

The current foreclosure crisis that began mushrooming, in part, because of adjustable-rate mortgages should be enough to make anyone leery of adjustable-rate loans on anything.

But its worth keeping in mind that when interest rates are low, as they are now, adjustable-rate private student loans can have a lower interest rate than their fixed-rate federal counterparts.

If you have excellent credit, or if you have a parent or co-signer with excellent credit, you may qualify for the lowest-rate private college loans, which currently carry interest rates that are as much as 3-percent to 6-percent lower than the rates on federal student and parent loans.

Interest rates are destined to rise as the economy continues to recover from the recession, so private loan rates wont always be this low, but if you or your parents are in a position to pay that private student loan off relatively quickly, you may be able to save money over a government-issued college loan.

>> Covering Your College Costs

So why take out a private student loan at all?

Private student loans are meant to “fill the gap” in college funding that may be left after you reach your federal student borrowing limits. In many cases, families find that scholarships and federal financial aid simply arent enough to cover the rising cost of college.

Without private student loans, you may not be able to pay for college or continue your studies.

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August 25

Tips to Consider When Applying to Universities in Singapore

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Off late, Singapore has become a popular destination amongst students. Students hailing from different parts of the world relocate to Singapore to get world class education. Beginning with schooling to higher education, Singapore is one of those few countries in the world where education is delivered in its best form. The education system in Singapore is based on the principle of lifelong learning and maybe this is the reason why the country produces the best of leaders. Do you wish to join the league of leaders too? Are you keen to know about how to study in Singapore? If yes, probably you have landed at the right place. As a leading abroad education consultant, we take this opportunity to tell aspiring students and even professionals about how to get admission in a reputed educational institution in Singapore.

Clearly Define your Goals

As a teenager it might be difficult to have a clear vision and defined goals. But, if you wish to get enrolled at one of the best colleges in Singapore then you need to have a clear vision about your career. Take your time and try to figure out how you want your career path to be. Think of areas that interest you most and then find related courses. During this process, you can also take help of your parents, peers and abroad education consultants. All these people are there for your help and you must seek their advice whenever possible.

Choose Universities & Colleges

To increase your chances of getting admission in Singapore, you may want to apply to every university and college. Well, such a practice would lead to wastage of time and all your efforts would go in vain. So the best approach is to select some universities and colleges where you would be applying. While selecting colleges, make sure that the chosen college offers courses of your interest. The reputation and facilities offered are two other criteria that students should keep in mind while forwarding their applications to colleges.

Send Applications with Care

Whether you want to study in Singapore or any other foreign country, the application process is quite detailed and you have to be extremely careful with the same. Read the guidelines mentioned on universities’ sites carefully and make sure you do not miss any of them. Collect all your documents in one place so that you don’t have to face problems during later stages. Lastly, check your application form at least twice before sending it to the university/college. Author Bio:- Narual International is a certified abroad educational consultancy agency having highly experienced and professional staff. Our Abroad education consultants and Study in Singapore keep students’ interests at the top.

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August 24

Accredited Life Experience Degree For Sale At Many Online Universities

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Its always good to heed the voice of experience but in maximum cases it doesnt happen so. It generally gets ignored. But the scenario is not so with the working environment and experience not only matters a lot there but you also get paid for it. This may be the prime reason for growing importance of the life experience degrees. Furthermore you can have an accredited life experience degree as they are now on sale at many online universities. Yes, it may sound corny but you can now buy one for yourself and that too in a straight way from accredited and reputable universities.

Before heading on for this, its important to have a clear view in your mind about what exactly it means. Literally speaking, life experience degrees relate the experience that you have earned in a particular field through extensive work in your life to a degree. This is just a way of saying that you had the in-field training in that subject but not the formal classes. These degrees are appealing to those persons who want to receive credentials for their skills, sincere work and experience in specific field. The concept of getting life experience credits from reputed universities in exchange of coursework has been there for many years, but was very rare until now.

In recent times it has become common and one can easily get accredited life experience degrees via online universities. So people who have worked for long time are considering their options for getting one for themselves.

There are many online universities where this degree is for sale. Even though it takes little time to obtain this degree from traditional colleges you still have to take some tests and prove your skills before its handed over to you. If you wish to skip the hassles of all these then you can directly buy it and get an instant degree online by simply paying the money and you will have it in five days. This option sounds lucrative but may have some glitches. You need to be cautious with the validation of the university because the cyberspace contains scams too and you should check out for both the accreditation of the university and the accrediting organization.

With accredited life experience degrees for sale at many online universities, you can now have an extra addition in your resume or employee file that will help you to give your career an extra boost, get a higher pay or possibly a promotion.

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August 23

How To Prepare A Savvy Cover Letter When Applying For Scholarships For Mothers

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Few people can cook up savvy cover letters, especially when applying for a scholarship when you are a single mother. Not because you are single mom. However, because I have already forgotten what its like to do something that does not involve household or children matters. Dont worry, youre not alone, writing cover letters for scholarship application is not easy for everyone too.

Scholarships for mothers program has already been spread widely across the country. So when a mother will take an interest in this, shell have to go through the process of applying. Since eligibility is being a mother, check. Now when ask for filing an application, this will involved not just government forms to fill up but also a cover letter.

A cover letter is needed to serve as an introduction of ones intent for submitting attached documents. It does suppose to complement with the accompanying documents. For application of scholarships, a poorly written cover letter may cost an applicant the chance of availing a scholarship grant.

In order to ensure a scholarship, follow simple guidelines that would lead to write a winning cover letter. When about to write, take note of what program of study you are applying a scholarship for. This will matter in your letter, if you are not sure of this, dont apply. Just remember your letter will be direct, brief but respectful.

Now it should start with the usual format for writing formal letters, like letterhead, addressee and destinations address. Start with proper salutations, then the body of the letter.

In the body of the letter, the first lines of the paragraph should be mentioning the reason for applying scholarships for mothers program. What program of study you have chosen. Explain your situation briefly but formally. Do not inject too much drama, lest it sounds deliberate and fake.

In the middle of the body, explain how availing a scholarship will greatly affect your life as mother in supporting your family. It is wise also to mention that availing scholarship for mothers program will give you deep self-satisfaction.

The concluding part of the letter should mention about appreciating this government program. Its also good to mention gratitude for such an opportunity that even mothers like you are given attention by the government. Then include your hope for a favorable response, and then wait.

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August 19

Loans For Students Meet Your Studies Goals Without Any Cash Shortage

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Loans for student are available for each and every leaner in United Kingdom so that they can chase higher education without any fiscal crisis. For highly expensive higher education, most of the students in UK, these days completely depend on different fiscal aids. Today, you can locate a number of specialized loans that have turns into quite popular. Now, without any shortfall of money, you can meet your financial goals without any difficulty and holdup.

Loans for students are offered by maximum number of banks and financial institutions in two formats, such as:

Secured student loan It is an ideal loan alternative where students obtain money against the security offered by their parents. Since students do not possess any sort of property, home or real estate, their parents assist them to avail quick and friendly money. Yes, this loan alternative has the risk of repossession. However, the main benefits linked are lower rates of interest and easy repayment terms.
Unsecured student loan Students who are not able to place property or collateral against money can choose such cash help. There is no obligation or need to submitting collateral deposit. Parents who are living as tenant favor to go with this service only.

The cash advance approved to the students with bad credit will covers varied expenses such as admission fees, tuition fees, hostel fees, mess fees, library fees, purchase of books, medical insurance, computer charges and transportation fares. You have complete liberty to use your money as per your needs.

These quick advance loans with no credit check arrange cash funds for bright students so that they can easily meet high education without any difficulty. This loan service does not only assist students but also assists the complete society. So, dont take any tension and stress due to poor credit ratings or non-availability of funds. When research online, you will find a number of online loan providers who gives friendly and accommodating students loans. Before selecting them, it is significant that you can compare them so that he can get hold of the most reasonable deals. Dont delay your needs, Apply now.

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August 19

Pros And Cons Of Homeschooling

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Homeschooling, as an effective educational program, has undergone numerous debates. In fact, opinions are equally divided between the pros and the cons. Homeschooling, indeed, offers benefits for the child but like many things, there are also some downsides to implementing the program. It is therefore best to know the pros and cons before you get your kid into the program. It is up to the parents to sift through the positives and the negatives of homeschooling.

Pros

Flexible structure

One of the things that puts homeschooling in stellar position is the fact that it is highly flexible and dynamic. Unlike traditional curriculum which is fixed, the homeschooling system allows changes, in fact it encourages them.

Tailor-fit to the child

Because of the fluid structure of homeschooling programs, the lessons can be tailor-fitted to the child’s capability, pace and learning style. There is no pressure to keep up with the lesson of the day and students can start or finish their lessons any time of the day.

More practical learning activities

Homescholing is an unstructured educational program, which allows for more freedom in terms of learning activities. Parents can actually decide on what to do to better teach the subject. This means that there can be more unstructured learning exercises such as visits to zoos or museums.

Cons

Lacking in social interaction

One of the downsides of homeschooling program is the fact that it lacks the social component, which teaches the child to interact with other people. This is especially needed during the stage when the social and communication skills of children are just developing. To supplement the absence of this component, some parents organize social activities for their children.

Time constraints

Although time is rarely a factor in homeschooling because of the lack of a structure, it only applies to the children. It will be time consuming for the parents, some of which have to leave their work to go full time in teaching their children. Remember that you have to be with your homeschooling child all through out his or her lesson. In addition, a lot of time need to be given to correcting worksheets and making visuals.

Money problems

Although there is actually no tuition fee for a homeschooling program, the money problems come in when one of the marriage partner has to leave work to teach the child. Remember that homeschooling can take so much time. For parents who both have careers, sacrificing one source of income can be pretty hard for the whole family.

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August 19

Private Education – Know what private schools have to offer and make an informed decision

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Private Education is an increasingly popular option for UK students and their families. Parents from every sort of background choose private education for their children and about half of the children entering independent schools have parents who also received private education.

The main advantages of a private education are high academic standards, good examination results, sound discipline, superior facilities and a commitment to a wide range of sport and extra-curricular activities. UK private education has a long history steeped with tradition and can offer a unique cultural environment for the education of children where the focus is on the development and care of the individual. Pupils are encouraged to develop their talents and to pursue new interests through clubs and societies, sport, outdoor activities and community service. Meetings are often arranged between schools at which pupils can meet and share interests.

A great strength of the private education sector is the choice and diversity it offers. Regardless of their child’s ability, parents can choose “girls” or “boys” only schools or co-educational schools; schools which are boarding or day schools; senior or junior; rural or urban; large or small. Independent schools are available to provide education from age 3 to 19. Many schools provide help for children whose first language is not English, and special tuition is available. Guardianship arrangements are available for those whose families live outside the United Kingdom, and many other practical details such as transport to and from airports are looked after by the schools, working in partnership with the parents.

The private education sector achieves the highest academic standards. Evidence from the Department for Education and Skills (DfES) suggests that pupils at all levels of ability do better in private schools. More than 80% of pupils at private education gain five or more GCSE passes at grades A-C compared to a national average of 49%. Independent school performance at A-Level is equally impressive and 90% of leavers from independent schools go on to higher education.

Why Choose Private Education

Independent education offers many advantages:
excellent academic results and high expectationssmall class sizes and attention to individual needs
high degree of specialisation
a wide range of extra curricular activities: opportunities for sport, drama, music, and special activities
high levels of investment in facilities
the option of boarding – full, weekly or flexible
good discipline and the encouragement of a responsible attitude to work
diversity, catering for differing ethos and philosophy
help for special needs
traditional values
private education often boosts earning potential because pupils benefit from smaller classes and better teachers.
Disrupting a child’s private education midway through a vital stage would be very unfortunate, so it is important to prepare for the commitment of paying fees for several years.

It is in most cases possible to significantly reduce the financial burden of school fees with professional advice on planning strategies, SFIA would typically save parents tens of thousands on the cost of private education.

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August 18

Weber State University Alumni, Founders of Campus Book Rentals, Provide a Way to Rent Textbooks

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Campus Book Rentals was founded by no more than a handful of Weber State College alumni, graduates with an eye for business and a passion for helping students succeed in college. Alan Martin, now acting CEO of Campus Book Rentals, built this company from the ground up with the help of his fellow alumni, Rocky Moline, Todd McCormick and Shane Willard.

-I was at my computer before one of my last Master’s classes buying another textbook online,- explains Alan Martin, CEO of Campus Book Rentals, -and it just dawned on me all at once that textbooks could be rented.- Since then, these four businessmen have worked together to create a flawless system of renting textbooks online, saving college students hundreds of dollars on textbooks every semester. Colleges and universities across the nation are taking advantage of this cheaper, faster, and easier way of getting the textbooks they need, not the least of which is Campus Book Rentals’ very own Weber State University.

-Our focus was always the national college scene, but we had to run a pilot at WSU to test our theories,- says Martin. The students at Weber State University seemed only too happy to get involved in a textbook rental process that would save them both time and money.

-I rent textbooks from Campus Book Rentals, not just for the great price and efficiency of renting, but also because every time I rent a book from them, I’m reminded of how graduates from my school started a successful company and are now making a difference in the world,- says Emily J., a Junior at Weber State University. -It gives the students here something to work toward after graduation.-

The creation of Campus Book Rentals has started an entirely new industry in renting textbooks. Students from over 3, 500 campuses nationwide are discovering a better way to get the textbooks they need at a cheaper price. Ryan B., a Senior at Weber State University has this to say about renting textbooks from Campus Book Rentals: “Renting my books from Campus Book Rentals allowed me to save money and let someone else take the risk of not getting my money back at the end of the semester. In just one semester, I spent $60 instead of $200. I don’t think I would have gotten enough money back from the bookstore to even match what I paid using this service.”

Campus Book Rentals has single-handedly eased the burden of buying hundreds of dollars worth of textbooks every semester. A college student has enough expenses to worry about as it is. Rent your textbooks from Campus Book Rentals, and join the movement.

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August 18

Practical Guide On Adult Education

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There are some learning programs in which matured people can participate. These programs, regardless of your creed in life, are particularly helpful if you have had quite some crisis with education growing up. Take your time to pick a course that you love and enjoy; you will be the better for it.

Adult education is a kind of program in which the student populace gets to dictate what gives. If they are not ok with a certain part or portion of the agenda they can opt to change it. Sure students in other programs can do similar things, but not quite in the same league.

Countless matured people dont want to go back to school. Its like that because they feel too old for it, and besides they have way too many functions. Well, I think you are not being very responsible if you pass up the chance to improve your chances of a better lot in life.

To candidates who hold a university degree, there are few professions that are inconceivable. Some of them still aspire for bigger jobs and do not mind going further in their studies. Although they may have gotten past the normal age for it, they go on still. Thats the spirit that anyone should have who is really serious about moving up in life.

Any kind of schooling you have to do after you have become an adult is adult education. Don’t ever let anybody tell you different. And if there are people around you who have done it before or are still doing it, so can you. And why not? It only makes you better, doesn’t it?

It could be any degree that you want. Having missed out on education when you were yet young, still doing school might not look like a good option. But, there are so quite a lot of adult education programs around, it would spin you in the head just thinking of it. You dont have to give up on your dreams, thanks to adult education.

It could be any degree that you want. Having missed out on education when you were yet young, still doing school might not look like a good option. But, there are so quite a lot of adult education programs around, it would spin you in the head just thinking of it. You don’t have to give up on your dreams, thanks to adult education.

Whether your education stopped at that time when you were younger, you can pick up from there now that you are older. Several institutions specialize in training matured people with skills and other such interests. So your business is merely to find the institution that offers what you want and enroll provided you can pay the fees.

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August 17

Online portals for finding scholarships

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Do you want to get scholarship and you are seeking for the best information about various scholarship programs like Fafsa And Scholarships? Then, you should go online and find the best online portal that offers exclusive information about various scholarship programs that can help you financially to study further. Most of the students get confused and overwhelmed when it comes to select the right scholarship program and financial aid. In order to get the right and exact information about the scholarship programs, most of the students attend seminars and ultimately do not get any right guidance. So, these online portals help you making your process simpler by offering exact information about jobs and scholarship programs.

These online portals help you access the best job opportunities and also help you in Finding Scholarships. You can avail the more beneficial information for available scholarship programs so that you can study further and can make your career brighter. Students attend several info sessions and meet with financial aid counselors to qualify for college financial aid but with the help of such online portals you can find out the best suitable program in an effective and easy way.

No matter, which background you belong to, you can certainly apply for financial aid as these online portals offer you complete guidance to qualify for the crucial financial assistance. These online portals are the sure shot way to come out from all the apprehensions that you have over your future plans and you can pay for your college in trouble-free manner. Even these portals allow you access the links for free e-book accessing that will reveal the latest updates, strategies and secrets to find the Nursing Scholarships And Grants.

You can also find the various sources that can write your grant proposals while managing your grant application process. You can find the best answers for your questions like How to give you an edge to use scholarship while browsing the best information at these online portals. These portals will help you to protect yourself from the scholarship scams and effortlessly you can take the more relevant information to get the scholarship.So, what are you waiting for? Just go online now and find the best online portal that can cater your need for getting the scholarship.

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