Archive for June, 2009

Five Best Ways to Pay for College

Although you will enjoy the experience tremendously, going to college will cost you at least an arm and possibly a leg. If you accept the fact early on that you need extra funds to pay for this investment, then youâ??ll be motivated to start looking for financial assistance opportunities.

Here are the five best ways to pay for college.

1. Scholarships

Scholarships are a prospective college studentâ??s primary aid objective. Apply for as many scholarships as you can, because if you just get one, youâ??ll end up saving thousands of dollars on your college costs. Scholarships donâ??t have to be paid back. You may have to fulfill certain requirements, but you arenâ??t going to make any repayments on your scholarship awards. Scholarships can be need or performance-based. There are scholarships out there that cater to every single imaginable identity, from football players to cancer survivors to Mormons. Put in the time to find scholarships that you are eligible for, and apply for as many as possible.

2. Grants

Grants are the next best thing to a scholarship. Grants do not need to be repaid. You can receive thousands of grant dollars from your university as well as local, state and federal governments. Make sure that you have filled out all the grant applications you qualify for. Get your FAFSA turned in early every year. The more free money you get, the less you have to pay back. So get on the ball and start looking for grants.

3. Loans

Loans are not as appealing as scholarships and grants, but they can come in very handy. If you get a student loan, you need to understand what you are getting yourself into. Subsidized loans are awarded based on financial need. They do not accrue interest while you are in school. Unsubsidized loans are not need based. When you take out an unsubsidized loan, you will accrue interest while you are in school. Be sure that you go to your loan exit review, so that you understand the terms of your repayment obligations once you graduate.

4. Work

Get a job. Pay as you go. Invest as you invest. If you have money coming in, youâ??ll be more secure during and after your college experience.

5. Family

You can always hit up your family members for money. Be honest with each other. Know what to expect and whatâ??s expected. Have all the facts out on the table so that you can plan accordingly.

If you prepare for the financial impact of college, youâ??ll be in a better position once you graduate. Donâ??t assume anything. Get the answers to your financial questions ahead of time, and remember to apply for aid at least one year before you actually need it.

Chris Stout
http://www.articlesbase.com/college-and-university-articles/five-best-ways-to-pay-for-college-84710.html

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Online Education College Degree: The Top 3 Advantages

An online education college degree is the non-traditional, trendy way to get the 21st century benefits of a higher education.

From early on, our parents have drummed into our heads how important it is to have a college degree.

For the 99% of us (minus the 1% who are the Bill Gates and Michael Dell’s of the world, and those that inherit millions) having a college degree is an advantage even basic requirement for our careers.

However, studying full-time at a university may not work out for many people for various reasons. Luckily there are good options and that’s where an online education college degree shines.

This so-called new trend really takes the best of the old way of learning and combines with the latest technologies. The courses and curriculum are really just the same.

What’s missing from the mix is lengthy commute, schedule rearrangements and to some extent expensive textbooks. Most universities offer accredited degrees in all manner of majors and degree levels.

This method of education works well for many people who missed out on college education earlier due to financial circumstances, lack of accessibility to a college.

Therefore, the online education students are not your usual type. The typical he or she is someone who already has a career and a family and find these programs helpful to advance their career.

Here then are the Top 3 advantages to choosing an online education college degree:

1. Affordability: Online education courses are usually more affordable than the traditional university. This factor is particularly helpful to the student who has a family and children to support. The student gains an opportunity to advance his career.

2. Accessibility: Let’s not forget that not every town has a local university. This is a problem for those who would like to obtain a college degree. Well, not anymore.

3. Flexibility: Studying from home allows for flexibility. This has certain benefits. For instance, the adult student does not need to attend classes with other younger students and feel uncomfortable.

Remote learning also allows the student to focus on studies rather than college activities.

The benefits to learning online cannot be overstated. Provided she has a good sense of self-discipline, the student enjoys greater flexibility, a more affordable education, and the comfort of learning at her own pace, as well the convenience of studying in their home environment.

Given they kind of stress we have to endure in today’s workplace, an online education college degree is the answer for many adults looking for a way to further their education, boost their income and most importantly, build a better future for their families.

Louis Zhang
http://www.articlesbase.com/non-fiction-articles/online-education-college-degree-the-top-3-advantages-123514.html

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Student Apartments a Great Option of A&t State University and Bennett College Student Housing Off-campus

Going to college or university is something that most high school students look forward to. It is a completely different and new experience, especially for those who go away to the college of their choice and only go home for holidays. There are many things to be learned from this experience, but not all the aspects related to student life are meaningful. Take your choice of accommodation. This is just as important as the classes you take in college. Your choice of classes in college will channel your ambition and work towards the ultimate goal of college education, namely becoming who you want to be in life. Your choice of accommodation does not bear the same importance, but it can make a huge difference in the way you are ready to approach student life.

Most people associate going away to college with living on the college campus. The fact that millions of students have managed to make themselves at home on campus, in spite of all its drawbacks, and make good friends, does not mean that you will feel the same way about living on campus. Some people argue that living on campus is one of the most valuable experiences that college students can have. This may be true in some cases, but there are times when everyone living there wishes for more space, more privacy, better facilities, other or no roommates, and so on. The sense of close-knit community that dorm life gives you may not work for everyone, because you couldnâ??t possibly get along with absolutely everyone, and there are quite a few disadvantages to living on campus.

Even if you have your mind made up about living on the college campus, you may be faced with problems from the college housing services. Furthermore, you may find that the room draw process can be a very frustrating experience. So, instead of wasting your time and energy on making your campus stay a pleasant experience, you should dismiss this option and take into account better alternatives, such as off-campus student apartments.

The following part of this article addresses students who are interested in A&T State University student housing and Bennett College student housing. However, the information presented below is hopefully just as useful for students who are considering private student apartments in other parts of the country.

The disadvantages of dorm life presented above are a fact in most of the college campuses, including the traditional forms of A&T State University student housing and Bennett College student housing. Fortunately for the future graduates of these two institutions, there are better alternatives to dorm life.

One of the advantages of opting for A&T State University student housing and Bennett College student housing off-campus is the availability of student apartments in the proximity of these institutions. What students dread most about living in apartments outside the campus is the long distance from college to their new home. This is not the case with A&T State University and Bennett College, where you can live in spacious and comfortable student apartments that are only one block walking distance from school.

The other advantages of A&T State University student housing and Bennett College student housing off-campus go without saying. The apartments are spacious, clean and modern, with washers and driers in each unit, al appliances included and walk-in closets. You can benefit from facilities such as cable and high speed Internet. Security is not an issue in such student housing communities. All in all, the apartments for A&T State University student housing and Bennett College student housing can really be your home away from home!

For more information about A&T State University student housing or even about Bennett College student housing please review this website http://www.statesmancourt.com

Groshan Fabiola
http://www.articlesbase.com/home-and-family-articles/student-apartments-a-great-option-of-at-state-university-and-bennett-college-student-housing-offcampus-354010.html

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Get the Most Out of your College Fair

Too many students approach the college fair as their first brush with the college search experience. Though this is an understandable approach, it tends to be unproductive. The college fair environment can overwhelm you with options. The unprepared student can’t help but feel like a deer in the headlights, not knowing which way to turn. If you use the college fair as your very first step in your college search, you might fall prey to the tactic of running from booth to booth grabbing whatever materials are offered. Later on, you might read these materials, or you might not. In either case, you haven’t made the most of your time. To get the most out of your college fair, you should do a fair amount of homework before you attend.

Plan Your Attack: Know that the college fair will feel overwhelming, and plan accordingly. Find out in advance which schools will be in attendance — your guidance counselor probably has a list. From this list, decide which colleges you are interested in visiting. If you have not yet made a list of schools to apply to, there is no better time than the present. If the list of colleges in attendance is overwhelming, make an appointment with your guidance counselor for her to help you figure out which schools might be the best for you. Talk to your parents and friends as well.

Develop a List of Questions: You’ve narrowed yourself down from every school that’s attending to just the schools you’re interested in. Pat yourself on the back and get ready to work. Now that you know which booths you’ll be dropping by, it’s time for some hardcore research. Don’t make the common mistake of swooping down on the booth of the college of your choice, picking up its materials, and leaving the building. You don’t need a college fair for that! If you do that, you will read the materials from the schools you’re interested in and find that there are questions you’d like answered before you rank the schools in terms of preference. By looking into the schools before you get to the fair, you will be able to get your questions answered and come away with an even better idea of which schools are best for you.

Make a Name for Yourself with College Reps: The opportunity for face-time with college reps might be the most important reason to do your homework before attending the college fair. You will most likely be speaking with someone who works in the admissions office. Now is the time to shine and set yourself apart from the pack by demonstrating you’re serious about their school and your education. Introduce yourself, shake hands, get the representative’s business card, and if you’re really in love with the school, send a thank-you note afterward so that he or she will remember you fondly when it’s time to review your admissions package.

Elizabeth Saas
http://www.articlesbase.com/college-and-university-articles/get-the-most-out-of-your-college-fair-87816.html

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Online Degree Programs Vs Brick and Mortar Colleges

Accredited online degrees are similar to traditional university degrees in many ways: both come from accredited universities, hire certified, knowledgeable professors, offer many different degrees and assist students with financial aid. However, online schools, distance learning and online education are also very different from the traditional collegiate way of learning.

With online degree programs, you:

  • Determine when you have time to study
  • With an online education, you create your own classroom. You aren’t buckled down to having to attend class at a specific time for a specific number of days per week. You don’t have to worry about taking sick days and missing out on lectures, assignments or quizzes. Sometimes, when scheduling classes at traditional brick and mortar colleges, students run into major scheduling conflicts, and are unable to take one or two classes because it doesn’t fit their schedule. This can make the students’ graduation dates further and further away, and they end up going longer than they expected, thus spending money on another semester of tuition. Online schools offer courses online where you work at your own speed on your own time, with no scheduling conflicts, so you graduate when you expected.

  • Give yourself an edge when applying for jobs
  • Although online schools offer flexible scheduling, many of the degree programs are very rigorous. Because you work on your own time, you never have an instructor nagging you to complete your work. You need to be very disciplined and organized, and you have to work hard, as well. However, taking this responsibility adds more credentials you can put on your resume. You had to work hard, be organized and be disciplined while in pursuit of your online degree, and those qualities roll over to any career choice. Employers will appreciate that you are a disciplined, responsible worker and had to work independently, as employers are turning to independent work without much supervision.

  • Become more technologically advanced
  • Enrolling in an online school allows you to work with many different forms of technology. Of course, you do most of your work on a computer. You also use different programs on that computer that you might have to use in your career. Taking an online course gives you hands-on experience with those programs.

  • Learn about real world problems
  • When you enroll in an online degree program, much of the curriculum focus is on your major. There is no need for general education classes that you will not use in your line of work. If you want to earn your accounting degree, you will learn about the steps to calculate accrued interest for a loan or mortgage, because that is what you will be doing as an accountant.

    Online degree programs are not for everyone; they are for the self starter that likes to take their own initiative to succeed. There are definite benefits to pursuing your degree online, but you do have to be disciplined and organized. However, with some hard work, you can earn your college degree and provide yourself with more career opportunities.

    M.J. Joseph
    http://www.articlesbase.com/online-education-articles/online-degree-programs-vs-brick-and-mortar-colleges-105954.html

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    Plus Loans May Help Parents Offset College Costs

    By now, undergraduates are making their final preparations for school: deciding on class schedules, arranging housing and finalizing financial aid awards. While some lucky students have received enough aid and grants to see them through the semester or maybe even the school year, others may be taking on additional work hours to help pay for their college expenses.

    Some undergraduate students who have already used all their available resources like grants, student loans, scholarships and federal work-study may still find themselves falling short on their college expenses. These students may want to ask mom or dad to consider taking out a credit-based Federal Parent Loan for Undergraduate Students, otherwise known as PLUS loans.

    A PLUS loan may be a good way for parents to meet their child’s educational financing needs, according to NextStudent, a leading Phoenix-based education funding company.�

    The Ins and Outs for Mom and Dad

    With a PLUS loan, parents can borrow money for dependent children who are undergraduates enrolled in college at least half time. Either parent can apply, and because the PLUS program isn’t a need-based aid program, it doesn’t matter how much mom and dad make. But parents do have to fill out a Free Application for Federal Student Aid (FAFSA) and meet the following eligibility requirements:

    • Creditworthy
    • Not in default on any federal student loans
    • U.S. citizen or permanent resident
    • Have a valid Social Security number

    The Ins and Outs for Students

    For their parents to be able to take out a parent PLUS loan with NextStudent, students must also meet certain guidelines. Children of parent PLUS applicants need to be undergraduates attending a Federal Family Education Loan Program (FFELP) school, have their Student Aid Report and meet the following eligibility requirements:

    • Under 24 years old
    • Single with no dependents
    • Not in the military or a military veteran
    • Not a ward of the court
    • U.S. citizen or permanent resident
    • Have a valid Social Security number

    One of the great things about PLUS loans is that the amount a parent qualifies for is based on the entire cost of attendance, which isn’t just tuition and room and board, but also includes a reasonable allowance for other education-related expenses, like student fees, books and educational supplies. Each year, qualifying parents can take out up to the PLUS limit, which is the cost of attendance minus any other financial aid their child receives.

    Some parents who take out PLUS loans may find there’s money left over after tuition and on-campus housing payments are met, which they can use to cover their children’s other educational expenses. With a Federal PLUS Loan from NextStudent, both parents and children can have the peace of mind that comes from knowing that college, plus those extra college-related expenses, are taken care of.

    NextStudent believes that getting an education is the best investment you can make, and we are dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans, Private Student Loans and Student Loan Consolidation at NextStudent.com.

    Jeff Mictabor
    http://www.articlesbase.com/college-and-university-articles/plus-loans-may-help-parents-offset-college-costs-196677.html

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