Author Archives: penteractive

How To Consolidate Student Loans – Federal Versus Private Loan Consolidation

How To Consolidate Student Loans – Federal Versus Private Loan Consolidation

Student loan consolidation can be used by student or parent borrowers to combine their multiple education loans into one loan with one monthly payment. As any student can take either federal or private student loans, he or she can also take a federal or private consolidation loan to make the education debt more manageable.

Both federal and private student loans offer significant benefits, but federal loans offer borrowers many benefits that don’t come with private loans; for instance: low fixed interest rates, income-based repayment plans, loan forgiveness and deferment options. While some private lenders may offer them too, it usually is associated with some strings attached.

For those reasons, every borrower should always exhaust federal student loans options before considering a private loan. The same advice applies to consolidating student loans – always look at federal consolidation loan first and only if you don’t qualify for a federal loan of it is not the right choice for any reason, and then seek a private consolidation loan.

It is important to remember that a federal student consolidation loan can’t include any private loan. Moreover, if you consolidate your federal student loan into a private consolidation loan, you will lose your federal borrower benefits mentioned above (unless you private lender tries hard to get your business and includes them in the offer).

There are important differences between federal and private student loan consolidation.

First of all, with federal student loan consolidation, you will have a fixed interest rate, while private student loan consolidations are credit-based, which means that your consolidation loan rate will not be locked – it will be variable. So, while you will not have to go through credit check in order to apply for a federal consolidation loan, you will need it to secure a private consolidation loan.

Student loan consolidation rates are determined differently for federal and private consolidations. The interest rates for federal loans are set according to a formula established by federal statue. It’s a fixed rate, based on the weighted average of the interest rates on each of your loans at the time you consolidate, rounded up to the nearest 1/8th of a percent and capped at 8.25%.

As private student loans are not funded by the federal government, they are subject to the terms determined by each individual lender (bank, credit union, other financial institution) and the market competition. In private student consolidation loans a borrower’s credit is the primary factor in the variable interest rate offered to the borrower. As the base for setting the consolidation loan interest rate, the private lenders most often use the Prime rate or the 3-month LIBOR Rate, to which they add a margin. That margin varies from lender to lender and is applied according to the borrower’s credit rating.

With regards to the interest rate on the consolidation loan, it’s typical for both federal and private consolidation loan to include 0.25% rate reduction for automated debit payments.

Why free education is a must

Why free education is a must

In a developing nation like India with over a billion populations, it is important to have facility which provides free education to poor children. Even the economy is growing fast, though sometimes the markets get into bullish mode, but overall its every where declared that India is the future global leader, a thing that makes every Indian feel proud. But if some one cares to look around, then one grows a little skeptic about the development one gets to hear of. You can notice lots of poor people around who are not getting those basic facilities that we usually take for granted. The condition that strikes terror in anyones heart are the poor children of these poor people whose future as well as the present is so dark.

With no financial support or a proper place to live, without the guarantee of three time food, they have to start working at a very early age, when they should have been in some school. Those who are not working or begging for living are left for the day by their parents in the street to fend for themselves. Their parents too dont have an option other than these. Sending to school to receive the primary education is adopted by few parents, but most of them ignore this and put their kids to work some where. Life has not allowed these children to have a choice to choose the way of education. But does that mean those of us who have given the opportunity to help someone turn a blind eye on this problem saying that its not our headache to provide for others who are less fortunate than us. Its the work of the state administration. After all we dream of making this world a better place to live. So, start lending help in achieving that target.

To start with, it would be better if we start concentrating towards providing free education to those who cannot afford it. Setting up education societies would be a very good idea where poor children will be provided with free education and other facilities like medical facilities, sports kits, stationery and clothing kits for free which lead to an all round development of the children.

Whether you are living in India or abroad, your contribution in some good and dedicated charitable organization working for providing free education would bring cheers in the life of lots of little children who would be living a miserable life other wise. Guru Nanak Garib Niwaj Education Society is founded by Baba Amar Singh Ji is working towards this goal.

Jayoti Vidyapeeth Women’s University in Jaipur

Jayoti Vidyapeeth Women’s University in Jaipur

Jayoti Vidyapeeth Women’s University in Jaipur the first private public women’s university in India fully recognized by the University Grants Commission (UGC) and it is established under Rajasthan State Legislature Act No. 17 of 2008 by Government of Rajasthan, Gazette Notification No. F.2 (23) Vidhi /2/2008 dated April 21, 2008.

The University is run by Jyoti Vidyapeeth Trust, a public Trust, which has been created by execution of a Trust Deed on 14th November, 2003 under provision of the Registration Act 1908 (Central Act No 16 of 1908).

The university are known for offering quality educational facilities in its campus. The Jayoti Vidyapeeth Women’s University faculties comprise a wide range of experiences. The Jayoti Vidyapeeth has developed into a national centre for women’s education in India and is one of the best universities in India exclusively for women.

The university faculty is to see students grow in their dedicated fields. Are updated with the latest knowledge through regular courses, workshops and seminars. Besides a series of special lectures will be presented by eminent scholars frequently and regularly arranged. The university is working with national and international universities and institutions for healthy intake and the sharing of knowledge and ideas. The university actively networks with a large number of businesses and organizations through its consortium of universities and industry. Resources include the latest research and technology, which runs through all sections of the university. It has more than 300 computers and a library offers subscriptions to electronic journals, besides having more than 15,000 books.

Jayoti Vidyapeeth Women’s University offers different types degree courses at different level more than 30 programs, including the awarding of various certificates, diplomas, bachelor’s degrees, master’s and doctoral degrees. Jayoti Vidyapeeth Women’s University courses include programmes in Agriculture, Biotechnology, Commerce, Science, Food Technology, Nano Science, Management, Pharmacy, Law, Electronics & Communication and Humanities. The program of the University for these courses are well devised keeping in mind the career needs of the students in the fast developing with modern requirements. The University all classes enabled computer and sufficient exposure to practical aspects of knowledge is also provided. The faculty is dedicated to the best results, so that they could be successfully being inducted in their respective career fields.

The University has its own green eco friendly campus located in Vedaant Gyan Valley a beautiful town situated on the Mahala – Jobner,Link Road, near Jaipur Ajmer Express Way, NH-8, Jaipur in Rajasthan. The Jayoti Vidyapeeth Women’s University campus is well connected by roads and offered Hostel facilities in their campus includes several kinds of rooms having air-cooled & air-conditioned facilities with all the basic and modern facilities like mess, reading room, games, medical facility, incoming call facility & Wi-Fi internet facility.

Scholarship GPA For Graduates!

Scholarship GPA For Graduates!

You’d notice that thousands and thousands of scholarships go unused yearly as an outcome of lack of purposes from students. As a consequence of false impression that they gained’t be accepted, loads of potential students blow their chances of receiving a scholarship. The reality is, the more scholarships you apply for, the extra chances you would possibly have of accepting a scholarship.

Scholarship Necessities

You can start searching for scholarships by means of free scholarships searches. Basically, a scholarship website demands you to register an account and you’ll receive emails containing information about the scholarships you applied for. It’s strongly suggested that you take advantage of scholarship searches.

Be careful of assorted sites that provide scholarships. Some of them be schemes and scams intent on sucking stealing money from you. Never apply to a service that asks money in return. A school scholarship is cash that you just’re awarded for faculty, and you don’t want cash so as to have a full school scholarship.

There are some info that you should know about scholarships. First, scholarships are free to apply. Don’t be afraid to use for a scholarship, there are hundreds of thousands of dollars left unused everyday as a consequence of lack of scholars. You may mix scholarships with other financial sources, reminiscent of grants and pupil loans. Most scholarships don’t have age limits. You don’t want a cosigner with the intention to have a scholarship. Just bear in mind all these and additionally you’ll have a better time attaining an appropriate scholarship for you.

One final warning, be careful with scholarship scams. Some traits of scholarship scams embody asking for detailed data of yourself, such as you Social Safety Number. Additionally, receiving a notice that you’re a finalist for a scholarship that you never utilized for is probably a scam. Just trust your instincts; what you assume is prone to be a rip-off is probably one.

Study how one can get Scholarships Based On Gpa and discover the very best Low Gpa Scholarship data right now!

The Workshops will Strengthen Employment and Entrepreneurship Entrepreneurship Students

The Workshops will Strengthen Employment and Entrepreneurship Entrepreneurship Students

Cospedal The Government has invested 207,000 euros in the two workshops Cabanillas, for 20 students with six months of training

Spain, May 14, 2013 – The Minister of Employment and the Economy of the Government of Castilla-La Mancha, Carmen Home, said that employment workshops and entrepreneurship that has launched the Government chaired by Mara Dolores Cospedal “are a gateway to the labor market from the point of view serve to self-employment and entrepreneurship consolidate all students. ”

This was said by the Minister during a visit to the town guadalajarea Cabanillas del Campo, where he met workshops Sustainable Rural Development Promotion developed there: Farming and Community Services in Cabanillas.

The workshops have a regional government financial aid of 207,000 euros, are targeted at 20 students and made part of a project manager and a teacher, to “get all the knowledge they are acquiring during collective training can materialize in the implementation of profitable business, with which contribute to the development of Castilla-La Mancha in general and Cabanillas del Campo and the region in particular. ”

Home stated that “after the six month duration of the courses, students will receive a professional certificate, with which they can ensure they are fully qualified to carry out their activities, or to start directly into employment as self-employed.”

Casero, accompanied by the Mayor of Cabanillas del Campo, Jaime Celada, the president of the Provincial Council of Guadalajara, Ana Guarino, and the regional government delegate in Guadalajara, Jos Luis County, has predicted that “the works of Inditex’s logistics center will his lungs. We hope that will be completed in early 2014 and, surely, help to generate around 500 jobs, thanks to the investment of 150 million euros that the multinational will take place in this county, “said.

In this regard, the Minister of Employment and the Economy has stated that “the hub of top international help has also many other companies that decide to settle around the multinational to boost the industrial sector across the province”

Finally, Home has reiterated that “to-day work as firmly the first time to ensure that each day there are more entrepreneurs that are committed to Castilla-La Mancha and, certainly, in that way will the Government as an ally Cospedal “.

Press Contact: Consejeria de Empleo y Economia Media Relations Consejeria de Empleo y Economia Address: Avda Ireland No 14 512-212-1139

Sell Your Teacher Made Resources Online

Sell Your Teacher Made Resources Online

Have you created classroom and teacher resources that make the preschool experience better, or the educators job easier? An excellent tool for sharing those resources is to sell them online. Years of experience teach teachers many techniques for reaching a childs mind and imagination, something that is not always taught to young teachers during their education and training.

When young people use resources provided from the experiences of their elders, everyone benefits. You may not realize that your simple methods for doing things can be sold to a young teacher. Well, they certainly can. It may be a better way to create a bulletin board in the classroom, a fun puzzle for teaching math facts, a game for learning the Presidents of the US, a song to learn the states and capitals, or particular process for science projects.

Methods for Selling Online

1. Websites. If you have a great deal of teacher resources, ideas, books, and projects that can be easily and professionally packaged and presented, a personal website might be the best direction for you. You can advertise your website on education sites, teacher resource sites, and educational exchange sites. However, an individual website is usually more costly and time consuming than other options.

2. Auctions. There are several websites where auctions take place 24-hours a day, 7-days a week, 52-weeks a year. You can buy or sell almost anything. Because of that your things might get lost amid the vast array of other products available. While that is certainly still a viable source, an auction site that specializes in educational resources and child care businesses is probably a better choice. You simply pay a percentage of what you received for the sell as a fee.

3. Stores on Auction Websites. A possibility that falls between the above two methods are individual stores that are located on auction websites. Your items appear as auction items when a buyer searches a particular product. However, the buyer is then given the opportunity to search yourstore for other products. Its generally less expensive than websites, and easier to manage than individual auctions if you have a lot of items. Educational auction sites are generally preferable due to the enormous amount of products on general auction websites.

The route you choose for selling your teacher made materials depends on the volume of materials available and time you can invest in managing the sales.

Where To Look For Scholarships

Where To Look For Scholarships

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

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

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

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

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

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

Christian School Versus Public School

Christian School Versus Public School

One of the most significant decisions parents have to take is whether to send their children to a public school or a private school. Many parents don’t even know the difference. Of course, it ultimately depends on their neighborhood, beliefs, and expectations. However, among the private schools a Christian school is a favorite choice of most parents.

It has been noticed that most of the children outshine in either public or private school but the choice depends upon the amount you’re going to pay for the enrollment. It is wise to check all the available avenues before zeroing on any particular school.

Many parents avoid enrolling their children in private or Christian schools due to the expense of tuition. If you are interested in a particular school, look into their scholarship offers. Most private schools offer assistance regarding financial issues or are willing to work with parents on the topic of tuition. Furthermore, a majority of schools offer discounts on tuition if parents volunteer time for functions or activities.

Christian schools focus on religion and incorporate it into the scholastic realm. If you are unpleased with public schooling or want to focus on religion in your childs life, then choosing a Christian school is the perfect choice. If you would like to incorporate religion into your childs life, but are not a Christian, check out other options in your community.

Most parents that choose to enroll their children into private schools do so because they usually provide more specific education for children to meet that childs needs. Kids with learning disabilities usually perform better in a private institution. Private schools usually have a small student to teacher ratio, allowing teachers to provide their students with more one on one interaction.

In the long run, students from private high schools tend to have a better placement rate in colleges and universities all over the nation. This is because many private schools are associated with top level colleges and universities, including the coveted Ivy League schools. Thus, they are not just traditional high schools but are more like college preparatory schools.

Due to the programs like art, drama, sports, science, literature, mathematics, civics and music many children choose Christian schools. With the financial constraints and funding problems many public schools have reduced these specialized programs. Children at public schools generally find themselves at a disadvantage due to the absence of many important programs. So it is advisable to choose a school that fulfills your wards needs and curiosities and makes him or her successful academically and even in extracurricular activities.

Finally when you have decided to enroll your child in Christian school rather than in a private school make a note of your child’s liking and opinion. As he is the one who will be attending the school. Look out for options in and around the area and only then zero in on the right school.

Minn. Survey Shows Impact of Recession on Student Loan Debt

Minn. Survey Shows Impact of Recession on Student Loan Debt

The Minnesota State University Student Association has released the results of a survey it issued in September 2010 to help assess the impact of student loan debt on its members. Because the surveys number of responses is small — just 46 responses to date — the results dont hold tremendous scientific value, but they do paint a picture of how the recession has affected college loan debt and default rates in the state.

According to the compiled results, the survey respondents — all of whom graduated from one of Minnesotas public four-year universities — currently carry an average of $32,456 in student loans. Thats 40 percent more student loan debt than the national average of $23,186.

The respondents reported an average monthly student loan payment of $297 with an average loan repayment plan of 15 years. Although federal education loans have a standard repayment horizon of 10 years, borrowers who hold more than $30,000 in federal college loan debt may request a debt-help repayment plan that extends their repayment term to up to 25 years.

These results are consistent with the findings of the U.S. Department of Education released last fall, which show that Minnesotans leave school with more federal college loans than the average student nationwide but tend to default less often than borrowers in other states.

According to the Department of Education, 55 percent of Minnesota college students take on federal school loans to help pay for college expenses, compared to 37 percent of undergraduates nationwide and 47 percent of undergraduates from Midwestern states.

While carrying higher student loan debt loads, however, Minnesota borrowers have a default rate on their federal college loans of just 3.7 percent, compared to the national default rate of 7 percent.

These default rates are measured from students whose federal school loans entered repayment in 2007-2008 and who defaulted before October 1, 2009.

The 2008 default rate in Minnesota of 3.7 percent marked a rise from 3.3 percent in 2007 and 2.9 percent in 2006. Despite this upward trend in student loan defaults, Minnesota ranks 51st in default rates out of the 54 states and territories assessed by the Department of Education.

Officials from the Minnesota Office of Higher Education attribute the lower default rates in their state to better employment prospects for graduates. They also point out that students who leave school without graduating or who work in low-wage jobs are most likely to default on their college loans. Students who earn occupational certificates instead of college degrees are also at a higher risk of defaulting.

Graduates of Minnesotas four-year private and public nonprofit universities were the least likely to default on their school loans. Just 1.4 percent of students from private universities and 1.9 percent of students from public universities who graduated with student loan debt defaulted in their first two years of repayment.

How Post-Secondary Health Education Courses Can Be Used to Enhance Job Readiness Skills

How Post-Secondary Health Education Courses Can Be Used to Enhance Job Readiness Skills

As the focus on wellness and preventative care becomes the norm in order to reduce healthcare costs, colleges and universities can also get involved by promoting health education courses that are already available on campus. Post-secondary institutions whose primary mission is to graduate students, who are workforce ready, should include a wellness component within the course of study. Many of the people investing in wellness education programs are employers seeking to reduce their own healthcare expenses for employees. Employers invest in wellness programs for their employees to boost morale and increase productivity. Workplace wellness programs not only help to increase productivity and ultimately affect a company’s revenue, but the programs also help to cut long-term healthcare costs for employers that provide healthcare benefits. One study indicated that for every $1.00 spent on wellness programs, healthcare costs are reduced by $3.37. In addition the cost of absenteeism is reduced by $2.73 for every $1.00 spent; with over 130 million individuals in the workforce, wellness programs can save employers a significant amount of money each year (Baicker et. al, 2010).

Many post-secondary institutions engage directly with business leaders and community organizations to create relevant programs based on the labor needs of the community. Health education courses can play an important role in helping to prepare students for the workforce because the classes can be used as a form of preventative care. Most health education courses are already offered on campus as part of the general curriculum requirements or as an elective option. Providing health education courses as part of a workforce readiness model can help employers save more money in addition to what they are already spending to create their own wellness programs. Offering a unique set of courses tailored to the needs of the employer that include a wellness component also provides post-secondary institutions with a unique selling point for job training programs.

Health education courses not only act as a form of preventative care, but the courses also help to promote critical thinking, health advocacy, communication skills, self-care, build self-esteem, promote self-awareness, goal setting, civic engagement, health literacy, self-efficacy, decision-making, and problem solving skills. The curriculum in health education courses provides students with diverse learning experiences on a variety of topics such as wellness as a lifestyle, stress management, mental health, sexual and reproductive health, relationship dynamics, communication skills, infection control, environmental health, and injury prevention. In addition, health education courses teach students about drug and alcohol abuse as well as prevention strategies. Currently drug and alcohol abuse costs employers $276 billion dollars a year in lost productivity (U.S. Department of Health and Human Services, 2009). Health education courses can play a vital role in teaching students the necessary skills to function in the workplace and in everyday life.

Statistical Resources:

Baicker, K. et. al. (2010). Workplace wellness programs can generate savings. Health Aff.2010;29:304-311.

US Department of Health and Human Services. (2009). 14 short employer cost savings briefs. Substance Abuse and Mental Health Services Administration.