How US Federal Funding Cuts Could Affect Higher Education

Standard & Poors believes that the US higher education sectors exposure to federal funding for student loans, grants, and sponsored research represent areas of risk for the sector. In this CreditMatters TV segment, Associate Director Bobbi Gajwani discusses how funding cuts could hurt the sector. Topics include tuition, Pell grants, and our recent rating action on the Smithsonian Institution.

February 13, 2012 · careersc · No Comments
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Tester: Pell Grants create jobs, boost US Economy

Student financial aid is the key to good jobs and wiping it out would "cut our economy down," Senator Jon Tester told his colleagues during a lively discussion on the floor of the US Senate. Tester, a former teacher, sharply criticized the US House of Representatives for "irresponsibly" trying to slash Pell Grants over the past year. A recently proposed House budget would cut Pell Grants by $3.6 billion, making college unaffordable for as many as 5000 Montanans according to the states Associate Commissioner of Higher Education. The controversial House Resolution One, passed in February, would have cut $5.7 billion from the popular initiative. The Senate rejected this proposal on a bipartisan basis. "If Pell Grants are reduced or potentially even taken away, as some want, it takes away that opportunity for upward mobility within the economy," Tester said, noting that Pell Grants made higher education affordable for more than eight million students during the last school year. "Without education, if you want to improve your quality of life, it becomes much more difficult."

February 10, 2012 · careersc · No Comments
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How to Build Your Career in IT

www.modis.com The best technology jobs are never jobs that get posted publicly. You might hear about them through a friend or someone you meet at a networking event, but you arent likely to find them posted on a job board. So how do you build a career in IT when the best stuff is hiding in plain sight? You need to have a passion for technology. There are many paths to a career in IT, including formal education and personal training programs, but no matter how skilled you are, the best jobs are found through relationships. But should you specialize or go for that more well-rounded approach? Can you learn once and expect to carry yourself through to retirement? How does your personal brand impact your ability to have a career in IT? Can what you say on YouTube today impact your ability to get a job in IT tomorrow? Bobby Knight, SVP at Modis, provides perspective on how to build a great career in IT.

February 9, 2012 · careersc · No Comments
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Neal McCluskey on Student Loans Driving up Tuition

Neal McCluskey, Associate director of Catos Center for Educational Freedom, and author of Feds In The Classroom: How Big Government Corrupts, Cripples, and Compromises American Education, as well as of the recent white paper: How Much Ivory Does This Tower Need? What We Spend on, and Get from, Higher Education – joins us on Inside Academia to explain why federal financial aid has served to distort price signals and thereby skyrocket the cost of college tuition over many years.

February 7, 2012 · careersc · No Comments
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Dental Hygiene Training from Concorde

February 4, 2012 · careersc · No Comments
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The Fight for Pell Grants: In the Senate & Online

Sheldon Whitehouse led fellow Senators Tester, Landrieu, and Blumenthal in a fight for the future of Pell Grants from the Senate floor and online. Join the conversation on Twitter at #Fight4Pell Share your story about Pell Grants at whitehouse.senate.gov

February 3, 2012 · careersc · No Comments
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YouSpeak: Student Loan Debt

Americans now owe more in student loans than in credit card debt. In this weeks "YouSpeak," BU Today asks, "How concerned are you about your student loan debt?" Read the full story on BU Today: www.bu.edu

February 3, 2012 · careersc · No Comments
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Soil Science Institute at KSU June 2011

The National Soil Survey Center sponsored the Soil Science Institute at Kansas State University in Manhattan, Kansas. The intensive 3 week course was designed as a mid-career training session allowing career soil scientists to learn of new technological advances in soil science as well as being refreshed in soil chemistry, soil micromorphology, soil physics, statistics, soil fertility and soil mineralogy. This year the Institute had 15 NRCS soil scientists and 1 BLM environmental scientist in attendance. Dr. Mickey Ransom, Professor of Soil Science at Kansas State University, coordinated the Institute.

January 30, 2012 · careersc · No Comments
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2012 Student Grants

Planet Connect is offering $1000 grants for US high school students to implement a project in your local school or community. In addition, all grantees will receive funding to participate in a local summer internship focused on wildlife conservation or natural resources. Heres your chance to make a difference! Apply for a national Planet Connect Youth Engagement Grant today! Visit planetconnect.org to learn more info. Need some help brainstorming project ideas? Check out the grant projects and internship summaries from the 2011 student grantees here: planetconnect.org

January 29, 2012 · careersc · No Comments
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Respiratory Therapy Training from Concorde

January 28, 2012 · careersc · No Comments
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Should student loan debt be forgiven?

College grads student loan debt has surpassed $1 trillion. It has now surpassed credit card debt in the US and many students have been frustrated when they arent able to find jobs after they finish college. If there are no jobs for these people how can they pay their loans? Will forgiving student loan debt stimulate the economy? Robert Applebaum, founder of ForgiveStudentLoanDebt.com, helps us answer these questions. Follow Liz on Twitter at twitter.com

January 27, 2012 · careersc · 22 Comments
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Surgical Technician Training from Concorde

January 26, 2012 · careersc · No Comments
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Free College Savings Tips: Bitsy’s Quick Tips

UPromise can help you save money for a future college education or pay off current student loan debts. You can earn cash-back on everyday purchases at over 800 online retailers and 8000 restaurants. Check out their site for more information bit.ly Frugalicious.net Check out our site and subscribe to our channel! Facebook www.facebook.com Twitter: twitter.com The Frugalicious Show is a web tv show that helps you live the best possible life while spending the least amount of money. Bitsy and Erin share budget-friendly lifestyle tips on The Frugalicious Show, and Bitsy shares some of her favorite money-saving ideas in her weekly segment, Bitsys Quick Tips. Learn how to live a Frugalicious life without sacrifice. Have a Frugalicious find you want to share? Leave a comment!

January 24, 2012 · careersc · 4 Comments
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Hartmann: OWS student loans – are student debt strikes coming?

Sarah Jaffe, AlterNet, joins Thom Hartmann. For the first time ever – outstanding student loan debt this year will top one trillion dollars. And with tuition for college soaring – and prospects for jobs after college plummeting – the situation for students across America looks grim. But now – with the Occupy Wall Street movement in full swing – student debtors are feeling empowered – and are striking back against the big banks that got bailed out three years ago but are unwilling to help their debt-saddled customers now.

January 22, 2012 · careersc · 8 Comments
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Homeschool Buyers Co-op Provides Homeschool Curriculum and Resources

 

The Homeschool Buyer Co-op is a free homeschooling organization for both new and veteran homeschoolers. Co-op membership is free and confidential, and entitles homeschooling families to discounts from over a hundred educational suppliers. They also sponsor “Group Buys” for curriculum packages that save homerschooling families lots of money. On the site you’ll find lots of free information, such as databases of free curriculum, field trips, and educational contests and scholarships. Highly recommended. Click here for more information.

The Homeschool Buyers Co-op is the nation’s largest purchasing cooperative for families educating with a homeschool curriculum. Like you,
we are homeschoolers with a love for family and a deep commitment to homeschooling. Like you, we have made the profound and life-changing decision to assume full responsibility for our children’s education. We understand the sacrifices and joy that this entails, and have decided to devote our energies and talents to helping other homeschooling families who have chosen to walk the same path.

On this page you will learn why we started the Co-op, what benefits we provide to homeschoolers, and why we hope you will join us. Membership is absolutely free and private. Whether or not you join, you are welcome to browse our site, return as often as you like, and take full advantage of our many wonderful homeschooling resources and services for homeschooling families!

Why have a Homeschool Buyers Co-op?

School districts get educational discounts — why not homeschoolers? The reason is simple: school districts have purchasing power and homeschoolers don’t because we buy homeschooling resources as individuals. The Co-op changes that by combining the purchasing power of thousands of homeschooling families around the country to give homeschoolers the same purchasing clout as school districts. It is a simple proposition, and it works! Just take a look at the many educational suppliers in the Exclusive Discounts section that offer homeschool resources and curriculum curriculum from 10% to 70% off their retail prices. Click here for more information.

Homeschooling’s#1 Way to Save

 

January 16, 2012 · careersc · No Comments
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Paying Back Student Loans

January 16, 2012 · careersc · No Comments
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How to Pay Off Your Student Loans by Volunteering for Nonprofits

theartofapplying.com Raymar Hampshire tells us how you can get money to pay back your student loans by being a volunteer consultant for nonprofits!

January 15, 2012 · careersc · No Comments
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Are schools making kids sick?

Indoor air problems

Figures are hard to come by, but studies have estimated that a third or more of U.S. schools have mold, dust and other indoor air problems serious enough to provoke respiratory issues like asthma in students and teachers.

A national survey of school nurses found that 40% knew children and staff adversely affected by indoor pollutants.

Indoor air affects more than health. A growing body of research suggests students also perform better in schools with healthier air.

“If you get an unhealthy building, you’re not going to have a successful school,” said Lily Eskelsen, vice president of the National Education Association, the largest teachers’ union in the United States.

“Asthma is the number one chronic illness that keeps kids out of school, and it’s growing,” Eskelsen added.

About one in 10 children in the United States now has asthma, which causes them to miss an average of four days of school a year, according to the Centers for Disease Control and Prevention.

Dr. John Santilli, a Connecticut allergist, says he has treated dozens of students sickened by school air. Even when children don’t miss school, he said, the medications they take for asthma and conditions like rhinitis, an allergic reaction to mold or dust, can make it harder for them to do their best work.

“They’re on antihistamines, they’re on nasal sprays, they’re on asthma medications, and this limits their ability to perform,” Santilli said. “These kids can’t concentrate. They can’t focus on what’s going on.”

Dr. Santilli says about 20% to 30% of people are susceptible to mold or dust, which triggers an allergic reaction. The resulting symptoms can include itchy eyes, runny nose, coughing, headaches, fatigue, even memory problems and slowed thinking.

“It takes a lot to make you sick, but it takes very little exposure once you’re sensitized to provoke symptoms,” Santilli said. “As time goes on, it takes more and more out of you, and you get sicker and sicker.”

A growing problem

Researchers and others who follow the issue say school air problems have probably been exacerbated in recent years by funding cutbacks that have resulted in less money for building upkeep and maintenance.

In Reading, Pennsylvania, the school board cut $18 million from the 2011-12 budget — more than $1,000 per student — which left acting Superintendent Drue Miles with little money to fix problems among aging buildings.

At Reading’s Southern Middle School, for example, water pours into an upstairs classroom through holes in the roof when it rains. There’s no money to replace the roof, only patch it, Miles said.

“The buildings continue to deteriorate, and we only have a small amount of dollars to spread to do just some minimal things,” Miles said.

Researchers at the New York state Health Department found a correlation between building maintenance at the public schools and hospitalizations for asthma. The condition of roofs, windows, walls and boilers were all related to the health of children at the school, researchers found.

A similar study in Boston schools found a link between asthma rates and leaks, mold, lack of repairs and visible signs of insects or rodents.

Children are particularly at risk because their bodies are still developing and they breathe in more air, pound for pound, than adults.

“Schools are more densely occupied than office buildings, and children aren’t little adults. They’re uniquely vulnerable,” said Claire Barnett, founder and executive director of the Healthy Schools Network, a nonprofit group focused on environmental health in schools.

Teachers at risk

Kids aren’t the only ones affected by school air.

Joellen Lawson was a special education teacher at a Fairfield, Connecticut, elementary school so plagued with mold that it robbed Lawson of her health. Officials finally decided to tear it down and start from scratch, costing the district more than $20 million.

“I’ve never recovered fully, and I’ve also never had a pain-free day,” said Lawson, who is on permanent disability with a host of ailments including chronic obstructive pulmonary disease, a condition that has left her with 50% of her lung capacity.

According to a survey of teachers in the nation’s capital, two-thirds reported air quality at their schools of either fair or poor. More than half of Chicago teachers responding to the same survey also reported fair or poor school air quality.

More than a quarter of Chicago teachers surveyed said they had suffered adverse health effects because of the school environment; a third of the Washington teachers also reported these adverse health effects.

January 15, 2012 · careersc · No Comments
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Ways to Reduce Education Costs And Get Money

 

Ways to Reduce Education Costs:

  1. Most colleges and universities offer merit or non-need-based scholarships to academically talented students. Students should check with each school in which they’re interested for the criteria for merit scholarships.
  2. The National Merit Scholarship Program awards scholarships to students based upon academic merit. The awards can be applied to any college or university to meet educational expenses at that school.
  3. Many states offer scholarship assistance to academically talented students. Students should obtain the eligibility criteria from their state’s education office.
  4. Some colleges and universities offer special grants or scholarships to students with particular talents. Music, journalism, and drama are a few categories for which these awards are made.
  5. Some students choose to attend a community college for 1 or 2 years, and then transfer to a 4-year school. Tuition costs are substantially lower at community colleges than at 4-year institutions.
  6. Some parents may be financially able to purchase a house while their child is in school. If other students rent rooms in the house, the income may offset monthly mortgage payments. Families should make certain, however, that the property they purchase meets all of the requirements of rental property. If you have any questions, consult a tax professional.
  7. Commuting is another way for students to reduce college costs. A student living at home can save as much as $6,000 per year.
  8. Many schools provide lists of housing opportunities that provide free room and board to students in exchange for a certain number of hours of work each week.
  9. Cooperative education programs allow students to alternate between working full time and studying full time. This type of employment program is not based upon financial need, and students can earn as much as $7,000 per year.
  10. Another way to reduce college costs is to take fewer credits. Students should find out their school’s policy regarding the Advanced Placement Program (APP), the College-Level Examination Program (CLEP), and the Provenience Examination Program (PEP). Under these programs, a student takes an examination in a particular subject and, if the score is high enough, receives college credit.
  11. Some colleges give credit for life experiences, thereby reducing the number of credits needed for graduation. Students should check with the college for further information. You can also write to Distance Education and Training Council at 1601 18th Street, NW, Washington, DC 20009, or call (202) 234-5100.
  12. Most schools charge one price for a specific number of credits taken in a semester. If academically possible, students should take the maximum number of credits allowed. This strategy reduces the amount of time needed to graduate.
  13. In many cases, summer college courses can be taken at a less expensive school and the credits transferred to the full-time school. Students should check with their academic advisor, however, to be certain that any course taken at another school is transferable.
  14. Most schools have placement offices that help students find employment, and all schools have personnel offices that hire students to work on campus. These employment programs are not based upon financial need, and working is an excellent way to meet college expenses.
  15. Most colleges and universities offer their employees a tuition reduction plan or tuition waiver program. Under this type of arrangement, the school employee and family members can attend classes at a reduced cost or no cost at all. This type of program is based not upon financial need, but rather on college employment.
  16. Most colleges and universities sponsor resident advisor programs that offer financial assistance to students in the form of reduced tuition or reduced room and board costs in exchange for work in resident halls.
  17. The Reserve Officers Training Corps (ROTC) Scholarship Program pays all tuition fees, and textbook costs, as well as providing a monthly living stipend. Students should be certain, however, that they want this type of program before signing up because there is a service commitment after graduation.
  18. Service Academy Scholarships are offered each year to qualified students to attend the U.S. Military Academy, the U.S. Air Force Academy, the U.S. Naval Academy, the U.S. Merchant Marine Academy, or the U.S. Coast Guard Academy. The scholarships are competitive and are based upon a number of factors, including high school grades, SAT or ACT scores, leadership qualities, and athletic ability. Students receive their undergraduate education at one of the service academies. They pay no tuition or fees, but there is a service commitment after graduation.
  19. One of the most obvious ways of reducing college costs is to attend a low-cost school, either public or private. There are many colleges and universities with affordable tuition and generous financial assistance. Students should investigate all schools that meet their academic and financial needs.
  20. Some schools offer combined degree programs or 3-year programs that allow students to take all of the courses needed for graduation in 3 years, instead of 4, thereby eliminating 1 year’s educational expenses.
  21. Partial tuition remission for the children of alumni is a common practice. Parents and students should investigate their alma mater’s tuition discount policy for graduates.
  22. Some colleges and universities offer special discounts if more than one child from the same family is enrolled.
  23. Some schools offer a tuition discount to student government leaders or to the editors of college newspapers or yearbooks.
  24. Some colleges offer bargain tuition rates to older students.
  25. Some colleges and universities convert non-federal school loans into non-federal grants if the student remains in school and graduates.
  26. Some schools offer reduced tuition rates to families if the major wage earner is unemployed.
  27. Some colleges and universities have special funds set aside for families who do not qualify for federal or state funding.
  28. Some private colleges will match the tuition of out-of-state institutions for certain students. Check with your college to determine whether you qualify for this option.
  29. Some companies offer tuition assistance to the children of employees. Parents and students should check with the personnel office for information.
  30. Students should try to buy used textbooks.

Obtain Money For Education:

Whether you’re enrolling in college for the first time or returning to school after a period of time off, you should apply for federal student aid. Federal student aid from the U.S. Department of Education is the largest source of aid in America, providing over $150 billion in grants, work-study, and federal loans for students attending four-year colleges or universities, community colleges, and career schools.

College can be expensive. How do you pay for it? Explore the links below for financial aid information and answers to your financial aid questions. Search more than 5,000 scholarships, fellowships, loans, and other financial aid opportunities. See Scholarship Finder tool below.

There are three possible types of aid that may help with college expenses:
A grant is money you don’t have to pay back.
A loan is money you do have to pay back.
A scholarship is money you don’t have to pay back.

College costs

Paying for college

Grants

Loans

Scholarships

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October 5, 2011 · careersc · No Comments
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Credit Cards For College Students

Beginning college at some far-off university can be a tad intimidating to say the least. Okay, let’s be honest; it’s down right scary. Suddenly you’re on your own, without mom and dad there to bail you out. Bills start to stack up. While rent and food can get pricey, try not to forget about other expenses such as gas/public transportation, the cost of classes, text books and cash for any fun you intend to have on the weekends. Naturally these expenses can get overwhelming for many, but it’s crucial to remember one thing. You don’t have to do it completely on your own. Sure, you may already have a job and student loans or grants, but don’t dismiss the obvious. I’m talking about credit cards for college students. There is a reason why these can come in handy.

The moment you hear the words credit card, you probably assume debt, debt and oodles more debt. This is not exactly the case for college students. Ah ha, there really are some advantages to being a student. While credit cards are notorious for having utterly awful APRs, which are annual percentage rates; many credit cards for college students lack this burden. Yes, you can actually apply for a student credit card that doesn’t instruct you to fork out 18 percent every month. It’s common for credit cards for college students to have a 0% APR as long as they keep the charged balance below a certain figure. So if you’re only aloud to spend 400 dollars or you get hit with an APR of 10-20 percent, you’d better keep the balance below 400 dollars.

Modern credit cards for college students are actually a great asset. You can literally spend money you don’t have and simply pay it back down the road, without having to grapple with interest rates. Enjoy this perk while it lasts, because it fails to exist in the adult world. Just be certain you read through all the fine print before applying for a specific credit card for college students. Sometimes credit card companies attempt to mask additional fees.

September 9, 2011 · careersc · No Comments
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Student Loans And Applying

College is not cheap. Although there are many ways to pay for the education it usually involves some form of loan. The best ones are from parents because the payback time and interest rates are always much better. Since this source is not always available, the federal government has a program that will. This is the federal student loan program.

The most popular federal student loan program is the Sallie Mae fund. This program arranges loan through private institutions at a much lower interest rate than is otherwise charged. Application is usually done through the financial aid office of the schools. The amounts lent are based upon the applicant’s financial needs as well as the fees and tuitions charged at the educational institution.

This loan, like most grants and scholarships takes into account both the student and his families financial liabilities. Most of the loans of this type are paid directly to the schools. Once the school has deducted the tuition and fees, a check is given to the student for the purchase of books and other supplies necessary.

Other sources of loans are banks and credit unions. These are private institutions and will base the amount of the loan upon the person’s credit rating. Some of requirements may include collateral to ensure payback. One of the most common forms of this collateral is a second mortgage. For young borrowers, many financial institutions will require a parent or guardian to co-sign the loan.

The terms of most of these loans signify that payback is to start upon graduation or after a six-month grace period from graduation. Should the student decide to go on to an advanced degree, most loans will be again deferred until the degree is obtained or other arrangements are made. These requirements will vary from institution to institution.

Applying For A Student Loan

The student loan application process is not as difficult as it sounds. Although it can be done through a bank or credit union, it is best to do it directly from the educational institution. Once the application for admission is accepted, the next step is at the financial aid office. The personnel know the most direct and simplest methods of securing funds. When the aid request is sent directly from the school, the letterhead ensures the quickest response.

Once a person has an acceptance letter, the financial aid office can offer a list of various sources to pay for the education. Prior to entering this office, be sure to have as much of the background paperwork with you. These include your tax returns for the previous year as well as those of your parents. A parent or guardians income is usually considered unless the student is married or has been living separately for a period of time exceeding twelve months.

Three primary factors will determine the path decided upon for securing funds. These are; student’s status, financial needs, and grade point from high school. The student’s status refers to full or part-time. The course of study also comes into play because of special fees associated with certain scholastic paths such as lab or equipment needs. A prospective students high school grade point will help determine the student’s eligibility for grants and scholarships. The financial needs will consider the prospective student as well as parents and/or spousal income as well.

For any form of financial aid, ensure enough time is allowed for a response. Most institutions suggest at least an eight-week lead-time. The  earlier one applies, the better the chances of securing the necessary funds in time to start class at the beginning of the semester.

September 9, 2011 · careersc · No Comments
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An Introduction To Scholarships

Money does seem to make the world go round these days and that is not always a good thing for anyone looking to advance himself or herself. If you cannot afford an education then you are missing out on the chance to full fill your own potential. This can actually have a knock on effect on the rest of the surrounding area. You may have skills that could be of great service to another and yet never have the opportunity to develop them, and that is why it is extremely important to seek out any way possible of fulfilling your potential and developing yourself to the fullest extent. That is in fact where scholarships come in!

Scholarships and grants can provide a fantastic source of financial aid for individuals who either deserve it in terms of their talent or are struggling as a result of financial hardship. In some cases, the individual actually falls under both category headings. Regardless of where they fit into the scheme of things, talented individuals that need help can get it from a scholarship or grant.

A scholarship is a financial merit-based award that a student would have to apply for. The scholarship may be a package of financial aid to help the student. It could include housing and course materials as well as tuition, or just the tuition. It may only be a percentage of the tuition. This is dependent on the terms and conditions of the scholarship itself and what it offers. It may last for an academic year or for the duration of your degree course. However, it will always have conditions attached, and this will most likely relate to your grade point average. It would have to remain above a certain level for you to qualify for the scholarship.

A grant is totally different. Again, you would have to apply for it, but it would be a one off payment that would be awarded to you for a specific purpose. It may be a specific topic you are working on would be eligible for funding and you were given a grant of a set amount to help. You may be eligible for a housing grant if your family’s income level is below a certain level. Whatever the reason for the award, it is a one off payment of a set amount.

Scholarships can be applied for by anyone attending an academic institution for a period of time. The application forms are usually quite extensive and can take hours to fill in properly. One slight mistake on the form could get it discarded, so the most important thing for you to do is actually read through the instructions and comply with what it is asking from you to the letter! There will literally be thousands of candidates for any scholarship so you have to be able to make your application stand out from the crowd in order to obtain the funding. It does help if you have a gift for certain ones, but the majority just want to help someone who needs the funding and stand out from the crowd.

The one rule is do not lie. If you do they will find out during the course of their investigations and considerations, and your application will immediately be rejected! Always be honest and show your awards and merits up in the best light possible if you want results. It may also be worth applying for several scholarships and grants at any given time so that you are not putting your eggs in the one basket. It never hurts to have a back up, especially where college and money is concerned!

Scholarships and grants can be difficult to get to grips with if you have never had experience of them before so it is essential that you fully understand the process and concept before beginning to apply. Financing is important for college students these days so you owe it to yourself to do the best you can in terms of your application. It is your future after all!

July 25, 2011 · careersc · No Comments
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The World Of Federal Grants

If you are planning to go to college or university but know that you would never be able to afford it on your own, or with the help of your family for that matter, one of the first places you need to look in order to find financial aid is the United States Department Of Education. Acting to try and lift the educational level of the masses and to provide a brighter future for its citizens, the government’s federal aid packages can really help to full fill your hopes and dreams and make education affordable. There is so much help available out there via federal grants that there is no reason at all why an individual with talent should not go to university.

Financial circumstances can indeed prevent some of America’s brightest sparks from fulfilling their potential and going to university or college. Families with a low income may not be able to afford to lose a wage, a single parent may have children to look after and cannot give up his or her source of income or a family may not be able to afford to send their child to college for fear of draining the finances they need to look after the second and third children. Whatever the reason, federal grants are designed to ensure that these factors do not play a part in major decisions and that the university spot can be filled if an individual does want to go.

It might not come as a surprise to find out that the majority of the funding given to students all over America is provided by the federal government. It now has the power as the largest student aid source on the continent to ensure that individuals from lower class families can afford to send their children to school. In truth, it adds up to over $80 billion a year in aid at the moment and that looks set to rise into the future because there are actually more grants added to the list every single year. However, it is not just the grants they offer that can help out poorer families, it is also the work-study assistance payments that are made to single parent families and those that cannot afford to drop a wage but live just above the poverty line. Whatever the situation, there is a way to help individuals in need that do want to full fill their potential.

The beauty of federal aid is that it does not charge an individual to apply for funding. If you wanted to apply for a scholarship, for example, then you would have to pay an administration fee that does not even guarantee that your application gets read. However, if you do apply for federal aid funding then you do not have to pay a single penny and you application will always be reviewed before you are informed of the decision. You will always get a reason why too, which makes a nice refreshing change!

By going to the website at http://studentaid.ed.gov, you can check whether you are eligible for federal aid yourself. There is a calculator on there with complete instructions that pertain to how to use it. By inputting your personal or family income figures, you can see just how much you may be entitled to. Of course, it has to be properly assessed first, but at least you will know before sending off an application and hoping for the best!

The federal aid website is an excellent resource for any student looking to go to university or college. Not only is there a wealth of information on the federal grants available, such as the low income grants, there is also an entire section of the website dedicated to other sources of funding so that an individual can browse through at his or her leisure. It comes complete with instructions on how to apply for all of them so that you can really take a good look at what is out there for you to grasp! All in all, it is the complete website as far as financial aid is concerned and every student should take the time to look at it for inspiration and a little guidance!

July 25, 2011 · careersc · No Comments
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Is Traditional Education Better Than Technology-based?

On-line education is in trend nowadays. In the future, students may have the opportunity to study at home with computers rather than go to traditional schools like what we are used to doing.

There most common on-line form of education today is English tutorials. As of now, students and tutors use chatting, headset and web camera as the path of communication and of education. Is this the better option?

People must prefer the traditional way because in a classroom setting, students can learn and socialize with their peers. Also, from the instructor, he or she can teach students many valuable lessons of life which cannot be learned through technology. It is like the question of doing research through the library or the internet. Both have advantages and disadvantages but traditional education has the numerous advantages over on-line education.

Students learn better socially and academically in a classroom. Students are mostly young-aged. Therefore, they are generally interested in meeting and being with their peers. As they interact, it makes it easier for them to pay focus and learn. As social creatures, one could not just stay secluded and educate his own self. That is impossible! We live, grow, learn and succeed with people along the way.

Besides lecture materials, a classroom instructor teaches many other important life lessons. Students can learn and develop punctuality and good study habits. A teacher serves as a guide through education process which is a big part of life. Another important mission is to direct youth out of trouble. There is this bond between the instructor and the students which could not be built on-line. As the source of education, a teacher is not around just to introduce books and exams but also, he or she is selfless enough to share the lessons life taught her or him.

We must prefer to study at traditional schools and let us send our children there. It is because being around other people of our age or different ages gives us the opportunity to socialize and learn not only from the internet or books but from the society and from life. We could also learn other things which are important to education such as study skills. On-line education or any form of technology-based education is convenient. However, let us not risk quality. Long-term goals must always be prioritized.

No matter how advanced technology would be- there will always be these things that would stay best if they would be maintained as is. One of these things is EDUCATION.

July 25, 2011 · careersc · No Comments
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Online Or Offline Degrees?

Every person on the face of the earth has different capabilities and skills, which is why a huge range of techniques is used in the classroom to try and encourage people to learn. However, who is to say that the thinking behind this theory cannot be applied to ways of learning as well as methods? In fact, it has been applied to ways of learning with the invention of online universities and colleges. Instead of forcing an individual to sit in class every day and learn, any individual can now sit at home and learn however he or she wants and whenever he or she wants. As far as personal choice is concerned, online education wins hands down, but when you look at the benefits and advantages of offline education you see that the contest between the two is not quite as clear cut!

Many traditionalists will dismiss online degrees and college courses as a waste of time because they only accept the dregs of society who could not get into another educational program. There are published essays and articles published to that effect. Indeed that is not the case. In fact, online education leaves education open to those who could have gone if they were given the opportunity. They are no more or less intelligent than individuals attending a campus university, and there has actually been research to prove that online universities could actually be better for an individual’ health than those individual students have to attend every day!

Drexel University studied online and offline students during the course of their research and actually compared them. The results were extremely interesting because individuals taking online degrees actually appeared to be far happier than those attending on campus degree courses. In fact, the lifestyles of the two sets of people were very different and suggested that an online degree is better for the mental well being of students. The workload is roughly the same, but online students did not appear to stretch themselves too far, leaving equal time for all of their commitments and juggling well. On the other hand, campus students were finding it difficult to cope with the demands of going to university. The tutors may be there to remind students of deadlines, but it was discovered that they were putting too much pressure on the individual student and actually dictating priorities in some cases instead of giving an individual the chance to determine his or her own priorities.

Drexel found that there was more enjoyment in taking an online degree than a campus one and, as a result, individuals were learning more, stressing less and generally enjoying themselves rather than panicking themselves into a frenzy! Offline students rarely change their lifestyle to accommodate the educational addition, whereas campus students alter their priorities and lifestyle completely in order to allow their degree to take over their lives.

That is not to say though that campus degrees do not have their advantages over online degrees because they do. Firstly, the full college experience is not always readily available if you complete a degree online. It can be a nightmare trying to fit your degree into your life, let alone visit the college itself, and if it operates solely online then you cannot attend in person anyway. The experience is a once in a lifetime opportunity. However, if there are other things going on in your life then it may be an expendable one. The one problem that this may cause online students is in terms of assignment help. It may not be possible for individuals to communicate with one another to offer or ask for help when necessary. In fact, an offline student would be dependent on a forum or other type of communication network in which others may not respond. If that were the case, then it would be up to the individual student to try and find the answers themselves! That is not to say that one is better than the other, but going back to the first paragraph, one will suit you more than the other!

July 25, 2011 · careersc · No Comments
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Online Degree Programs

Distance learning involves a variety of courses for diplomas, certificates, degrees and college credit. A school that offers distance learning does not necessarily offer a full degree online. More schools are embracing online degree programs and increasing the number of classes offered toward a degree, but some degrees are offered in abundance through online degree programs while others take some research to locate.

Business, management, marketing and related business study fields are the easiest online degree programs to find when doing research. Many colleges and universities offer associate, bachelor and master degrees in business administration completely online. The appeal of this option is the ability to walk away with a degree without ever having to step foot in a classroom. Another advantage is the ability to keep working to build job experience and longevity with a company while continuing your education. There are many MBA online degree programs available for students wishing to continue their education and work at the same time.

Some fields of study such as nursing and education offer courses towards a degree online. These fields require a lot of in-service work and are impractical fields of study to offer completely online. These degrees commonly offer a handful of courses that occur throughout the degree program. This way you are not stuck with online classes that only occur the first two years of the program.  Master degrees are easier to find in these fields than bachelor degrees. The masters degree programs are usually only for registered or certified nurses and teachers. For example, you cannot hold a bachelor degree in math and then expect to get a masters in education online to teach math. The greatest advantage to these programs is that many teachers and nurses continue their education through online degree or certificate programs without having to attend classes.

Liberal arts is a field with a variety of online degree programs. Many colleges and universities offer a liberal studies degree completely online. Other colleges and universities offer what they call a general studies degree. This online degree program is developed to give you a well-rounded education that prepares you for a variety of careers or higher degrees. These online degree programs are ideal for students who have not figured out a specific major or students who need to work full-time and need a degree they can complete online. If your goal is to attend law school or some other professional degree program, the online general studies degrees allow you to work full-time so you can save money for advanced education.

Other online degree programs offered are psychology, sociology, English and criminal justice. There are more masters degree programs available as a full online degree program than there are bachelors degree programs, but if you research hard enough you can find full online bachelor degree programs.

There are also a handful of online PH.D programs that busy professionals for busy professionals.  As distance learning and online programs become more popular and desired by students, the selection of online degree programs should increase.

July 25, 2011 · careersc · No Comments
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Distance Learning Courses

Distance learning offers students the opportunity for an education without the demands of attending traditional classes. Most people are familiar with online distance learning courses, but there are numerous ways for taking a distance learning course. Some courses integrate a variety of methods for getting the material to the student, while other courses rely only on one method. Common methods of delivering distance education are through web based instruction, videos, telecourses and mail in programs.

Learning through online courses is the most popular form of distance learning. Students can earn diplomas, degrees, certificates or just a few credits through online distance learning courses. Most of the classes are offered through web-based classes that utilize various computer applications for information transmittal.  Online courses require an internet connection, email address, and for many classes some sort of word processing program. One advantage to online distance learning courses is the ability to access the course from any computer with Internet access. Students can access their class from a library, internet cafe or a friend’s house. If they are far from home and remember something they forgot to add on an assignment, they can locate any computer with Internet access and log on to their class.

Some colleges and universities offer distance learning courses by means of a video. These courses typically consist of a textbook, homework assignments and the instruction taught on video. Students visit the library to check out the video or watch it in the library and then complete assignments. Many times the professor will communicate with students through email for sending and receiving assignments. If the professor does not use email they might give each student an appointment for an occasional office visit. This is when the professor will answer any questions and discuss your progress. Video courses are a great option for students who already attend a local college or university, but need some extra freedom in their schedule for a semester or two.

Telecourses are courses taught via television programs. These programs come on at scheduled times and integrate with a course textbook and assignments. Like video course teachers, telecourse teachers may utilize email for communication and sending and receiving assignments. Telecourses can be watched at home if your television carries the station.  One advantage to telecourses is that most of them are available at the library if you happen to miss the class on the scheduled time.

One of the least used methods of distance learning is through mail based programs. These programs send all of your required coursework to you through the mail. Then you go online to take tests and quizzes. In some cases, you can also mail your tests or quizzes to the distance learning program.

A disadvantage to this method is the amount of time it takes to mail the materials back and forth. Some programs are utilizing a combination method in which students can get printed material mailed for studying but complete all work online. Whichever method you choose, all of these distance learning options help students free up their schedules when life gets busy without putting their education on hold.

July 25, 2011 · careersc · No Comments
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