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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.

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Dsw School Programs For The Doctorate In Social Work

The DSW school program is the Clinical Doctorate in Social Work program. The degree is designed to prepare students for advanced clinical practice as well as university-level teaching and research. The Clinical Doctorate in Social Work is geared toward the clinical practice and university-level teaching career path. One also can focus on social welfare as well as scholastic studies and research.

Penn Social Policy & Practice is a school in Philadelphia, PA. They are dedicated to contributing to the advancement of more effective, efficient, and humane human services through education, research, and civil engagement. This has been around for approximately one hundred years and has an excellent reputation. Penns Clinical DSW program is one of the most unique programs in the US. The program is geared toward working professionals. University of Penn offers an intensive, accelerated program that allows students to satisfy all degree requirements, including the dissertation, in three years with minimal disruption in their current career.

A few other reputable institutions you can attend that offer the DSW school program are the Columbia University School of Social Work or Hunter College School of Social Work in New York City. The Columbia University School of Social Work offers doctoral studies and advanced courses. Many graduates of the DSW program attend this school with their focus on research, administration, and policy analysis. The Hunter College School of Social Work is a public institution offering a diverse selection of Social Work degrees. It was established in 1958 and accredited through the Council on Social Work Education. Most graduates from the MSW and DSW programs offered attain positions as clinicians, educators, administrators, policy makers or researchers. Both school programs take roughly two to three years to complete the PhD program for social work plus additional time for writing the dissertation.

Remember, the doctoral degrees offered by these educational institutes in the field of social work are intended for experienced practitioners seeking to further their careers through more in-depth training in research and policy analysis. Social work practitioners who are looking to move into research and teaching often choose this program. However, some students enter the program with the goal of continuing in leadership roles in either agency-based or self-employed social work practices. Often times these individuals will still teach part-time in a school or a department of social work while collaborating on research with their academic colleagues.

The DSW school program offers exciting advancements, and you can take advantage of the program at many colleges and universities throughout the United States.

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Australia Colleges and Universities Depend on Tuition of Overseas Students

Economist Stephen King warned that universities and colleges might fall into deficit if Australia government intended to expand higher education on a large scale.

Professor King pointed that the plan of expanding the enrollment of domestic students meant that more overseas students should pay full tuition in order to support local students.

He said that -Where can we find so many overseas students to support local students? Taken the current funds into consideration, the plan of the federal government can only make all universities and colleges fall into deficit.-

Professor King’s comments are based on the reports of HES. One of the reports reveals that overseas students’ tuition support 1,200 yuan to every domestic university student on average. He said that the only unexpected thing was that the subsidy is too little.

He also quoted essays from HES and said that the government’s plan to make 40% young people have at least a bachelor degree and goals of universities and colleges are essentially unrealistic.

He said that -The industry and the federal government want to get more from higher education system. But both sides seem to be unwilling to cost money. And as a professor of pessimistic science, my duty is to tell government and industry that how much you pay then how much you’ll gain. If they want to create top-notch higher education system, they have to pay money by themselves instead of relying on overseas students to support local students.-

To make the comments more interesting, Professor King has just stepped down from College of Business and Economics of Monash University. There are many overseas students who pay full tuition in the college. They have become the critical capital resources of the Monash University.

Since the online game is so popular now, Tory decided to have a try. After a period of time, Tory found it quite simple for he could get wow gold, Tera Gold and RuneScape gold so easily.

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Highlighting Allen University

Allen University, located in Columbia, South Carolina, is a small historically black institution. It was founded in 1870 by former slaves as Payne Institution in Cokesbury, South Carolina. The school had the dual mission of providing educational opportunities for African Americans and training clergy for the African Methodist Episcopal (AME) Church. In 1880 the school moved to a more central location in Columbia and was renamed Allen University in honor of the Reverend Richard Allen, founder and first bishop of the AME Church.

The university is a private, Christian liberal arts institution. Allen University is coeducational, with an enrollment of less than 900 students. The institution has a rather unusual history. Initially the school educated students of all age levels. Young students entered in its grammar school, continued their studies through high school, and then pursued a college degree. The grammar school was discontinued in the 1920s, and the last high school class graduated in 1933. Since that time Allen University has enrolled only college students.

Students at Allen University may pursue eight academic majors. There are 21 areas of concentration available to students including business administration, accounting, finance, English, music, social science, human services, mathematics, biology, chemistry, pre-pharmacy, computer science, pre-engineering, and religious studies. The university confers Bachelor of Arts and Bachelor of Science degrees.

Allen University offers on campus housing, and there are numerous opportunities for students to engage in campus life. Two new residence halls opened in 2009. More than 30 organizations are available to students including civic, religious, and social groups. Students may choose from honor societies, fraternities, sororities, leadership organizations, and special interest clubs. Varsity sports offered at Allen University include mens basketball, womens basketball, and womens volleyball. The university is a member of the National Athletic Intercollegiate Association (NAIA). Students may also participate in intramural sports including flag football, basketball, and volleyball.
Allen University has an urban campus, with buildings that comprise the Allen University Historic District. The most recognizable building on campus is the Chappelle Administration Building, a brick structure completed in 1925. It is listed on the National Register of Historic Places. Arnett Hall was built in 1881, and Levi J. Coppin Hall dates to 1906.

The university is located at 1530 Hardin Street in Columbia. Allen University offers guided tours by appointment Monday-Friday from 8am-5pm. The schools location is convenient to many of the points of interest and activities that South Carolinas capital has to offer.

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Education-savings plans Coverdell vs. 529

If you are a parent or a relative who is thinking of a great way to save college money for the children in your family, Education Savings Plans may be the right choice for you. There are many things to take into consideration if you’re thinking of participating in one of these. First, you have to choose which plan is right for your family based on your financial needs and goals. In addition, the age (under 18) of the beneficiary or of the student who will benefit from the plans is also critical. Because of these factors, the information presented here is mostly useful for parents or relatives of young children who are looking to save money for future college-related expenses.

The two Education-savings plans, Coverdell education savings account and 529 college savings plans, have some similarities. In both plans, the money that is contributed come from after-tax dollars. This means that the money that is contributed to these plans is subject to income tax before it gets to the account. However, the earnings and withdrawal from Education-savings plans are tax-free as long as the money is used in paying for college tuition, living, and other eligible expenses.

Because the two plans are different in many ways, here are a few things to consider:

Coverdell Education Savings Account

These are Education-savings plans that are sponsored by the federal government. There is an annual limit to the dollar amount contributed into these accounts. However, parents or relatives can set up several accounts at various financial institutions as long as their contribution does not go over the annual limit.

Coverdell savings accounts have its advantages in a sense that contributors/donors have the flexibility to choose which types of investments the money will go into. For example, you may invest in stocks, bonds, mutual funds, certificate of deposits etc. In this way, you can choose either an aggressive or conservative investment strategy which will depend on how much time you have to invest or how much risk you are willing to take.

529 College Savings Plans

These are Education-savings plans that are sponsored by the state government. Every American state currently offers 529 plans.

Like the Coverdell account, your contributions are not tax-deductible but your withdrawals and earnings are tax-free as long as you use the money for eligible educational expenses. There two types of 529 savings plans and they are savings/investment plans and prepaid tuition.

The savings/investment plan can be compared to a retirement account such as a 401K which is designed to pay for eligible college expenses. As with the Coverdell plan, parents can choose an investment strategy that fits their needs. Furthermore, parents usually don’t have to be a resident in a particular state to open these Education-savings plans. In this way, parents can search for better deals and will have several colleges to choose from.

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Looking at Specialized Master’s Degree Programs in Education

No one knows learning better than a teacher. But what if youve got your teaching degree and even a job teaching? Is that enough? Like their counterparts in almost any field, teachers know that the higher the levels of education, the better are the opportunities for advancement, job security and a higher salary. But when are you supposed to do all that? Specialized online masters degree programs in education can really give your career a boost, without forcing you to drive back to the old college campus for two more years.

The biggest question may be just which area of education do you wish to specialize in. There are a wealth of booming careers in education for which demand will continue to grow over the next 10 to 20 years and the best of them definitely require a masters degree.
Special Education Teachers: Its true; there are positions out there that will let you work without a masters, but the better positions command salaries of up to $75,000 annually, that with a masters. Check the listings from Walden, Capella and Grand Canyon Universities that will let you get your masters degree online while still working at your current job.

Education Administration: A masters in educational administration, management or even a Ph.D. in Administrator Leadership for Teaching and Learning is a terrific way to advance what you already love doing. Administrative positions can command up to $95,000 per year and you can study online. The programs weve looked at most closely are those from Capella, Walden, Keiser, and Strayer Universities. Each of them allows you to work toward your goals online while still maintaining your current career.

Primary or secondary school principals: Nearly all of the degrees above can qualify you to work as a school principal where youll be earning somewhere between $70,000 and $100,000 annually. A Masters in Educational Leadership could be exactly the right move if thats where your studies lead you.

Instructional and Curriculum Coordinators: Advancing education and lesson achievement has never been more important to todays schools and its all in the hands of the coordinators who lay out the vision. Coordinators can earn anywhere from $60,000 to $90,000 annually and there are a number of very good online only programs offered by Capella, Walden, Keiser, and Grand Canyon Universities
A Masters in Education can mean a $9,000 to $15,000 difference in your starting salary and many states require continuing education to qualify for salary increases. Of course, this can vary a lot from state to state. But educators with a masters degree also enjoy a considerably higher level of job security to go along with the higher salary. Studying online for your masters in education can make all the difference to your career and you can do it while youre still working and without giving up your current schedule.

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Information On Pepsi Educational Scholarship

Good news for prospective college and university students who are aficionado or the Tropicana or Gatorade. Pepsi is offering scholarships to finance your educational expenses. To learn more about this opportunity, read on.
In order to be eligible for Pepsi Scholarship, you should had attended one of these colleges which are City College of New York, Universities like Howard, northeastern, Penn State, Saint Joseph’s, Suny Binghamton, Temple, Virginia Tech and University of North Carolina at Chapel Hill. You are awarded with a $10000 scholarship from the Eastern Division of QTG which is a division of Pepsi and hence it is known as a Pepsi scholarship. You need to be a freshman, sophomore or junior student with a grade point average of 3.0 and have to facilitate the need for the financial aid. Moreover, you need to be student with leadership skills and participating in the extra curricular activities.
Then there are various Pepsi scholarships like Pepsi Scholarship fund which deals with American accommodation and lodging educational foundation. Another Pepsi scholarship is the Pepsi bottling group, where a grant of 10,000$ is awarded to students with GPAs greater than 2.5 and intending to study in Maryland college with secured admission.
Another Pepsi scholarship is the Pepsi-cola public affairs scholarship which needs their students to have completed at least 45 semester hours at the Missouri State University proving it with a public service and leadership activities. Apart from scoring 3.25 GPA, recommendation is also required bearing testimony of student’s skills in public affairs and leadership skills.
Pepsi scholarship also has the Mid-Del technology scholarship wherein the candidates have to be from the Mid-Del technology center and planning to attend the Oklahoma University. Again here you need to provide the 3.0 GPA and also need to prove the financial need, besides this; you also need to have moral character for getting selected.
Few other Pepsi scholarships are the Pepsi service Scholarship, Pepsi/Frito-Lay scholarship which are again available for the freshmen and the residents of Nebraska. The eligibility criteria remain the same with leadership and extra circular activities to be proven along with meeting a tough GPA requirement.
So get cracking on these incredible scholarships and aid the educational expenses. There is a multitude of scholarships on diverse subjects and they are all to support your cause of higher education without financial hassle. Make the best use of this incredible Pepsi Scholarship and find the perfect skills for the career you’ve always wanted. Best of luck.
James Scholaris

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Too Many Universities All Dressed Up With Nowhere To Go

The Coalition Government which has placed so much emphasis on reversing the trend towards dumbing down in education must be extremely dismayed by one side-effect of tuition fees in higher education rising to as much as 9,000 a year. It appears that the drop in university course applications which has followed the fee rise has prompted many institutions to lower their entry requirements in order to keep their numbers up. This is especially true of newer universities and former polytechnics.

According to the Universities and Colleges Admission Service (UCAS), the number of English applicants to all universities has fallen by 10 % compared with last year. The biggest casualty was the University for the Creative Arts which suffered a massive 29.2% drop from 2011. At the top end of the spectrum, Oxbridge applications were virtually unchanged.

In what looks like a desperate last minute attempt to keep student numbers and revenues up, many institutions have lowered A level grade requirements which basically means that young people are being let in even though they may not have what it takes to ultimately gain a degree. Either that or the quality of degrees would have to fall. This is almost certainly not what the government intended when it moved the goalposts on fees.

Take, for example, the situation at Leeds Metropolitan University where the Telegraph reports entry levels on 97 degree courses, including architecture, law, English literature and history, have been cut to 80 points on the UCAS tariff – the equivalent of only two grade Es, the lowest possible pass. The inevitable result is that the average quality of undergraduates at such universities is destined to decline.

Of course, in the past, such establishments would have responded to such developments by focusing more of their education marketing spend on attracting students from overseas but, here again they have been stymied by the governments tightening up on visa requirements for students from outside of the EU.

That just leaves the EU as a potential source of students to compensate for the shortfall in domestic numbers. This may also prove a problem bearing in mind the economic malaise in the Eurozone and the fact that fees in many EU countries like Belgium are actually lower than in the UK.

Nobody it seems has asked the most relevant question which is what is the optimal number of university places in the UK in the first place. It would appear that the quality of graduates, especially in the disciplines which are in such high demand such as technology and engineering, is now taking centre stage in the debate rather than the total quantity of new undergraduates studying at our universities.

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Pebble Hills University Online Degree

In order to deal with the competitive market, working adults are keen to study. You must try to inculcate the skills of selection and maintenance of aim in life. While devoting your energies in pursuit of academic excellence, considerable efforts should be made to spiritual development. Since, in the times of stress, this would provide you the much needed inner strength to carry on with your mission.

Prof. Muhammed Ayinla Omolaja, the President of International College of Management and Technology (Nigeria) and regional director of PHU, Nigeria, claimed that it is the universality of the institution in its approaches that is fetching it so much popularity in recent time among education lovers over and above regional Universities the world over.

Learn to hold on to what you believe is right and just. Be gracious enough to accept your mistakes and resolve to improve. Humility never demeans a person rather it elevates him. Take each difficult head on and see it as an opportunity to learn and excel.

The best study mode for working adults would be distance learning, which is practical for them to balance their work, family and study.

The overriding philosophy of an outstanding distance learning University is to prepare managers, administrators, scientists, engineers, technologists and agriculturists for critical tasks of the moment and for the future. This objective will be met by providing a foundation on which students can build and grow after they graduate; a foundation sufficiently general to be relevant to a broad range of management, social and technology contexts.

Dr. Patrick A. Welsh, the Principal of Caribbean Institute of Business expressed that Pebble Hills University has opened up another door, creating another chance for success for those students in Jamaica who would be left behind by not having a BSc. or an MBA. (Pebble Hills University is a global online university)

Global business is expanding, thats why you need a global institution with a radical outlook towards education. Due to an education system based on real world values, the knowledge gained can be incorporated easily & more practically in the relevant field.

According to Prof. Manfred of Pebble Hills University, the highly diverse community at the University consists from many cultures, nationalities and religions offers students a unique environment and a great experience. Also the students who enrol in to study programs can complete them in their local campus. Also they have the option of completing the selected study with PHU directly, online.

Contact:
Pebble Hills University
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Attending An Online Film School

Many people are surprised to find out that something as technical as learning how to make a film can actually be done online. Today, there are a few online film schools that allow you to learn the skills and techniques needed to become successful in the film industry. There are several benefits to attending an online film school just as there are with attending online schools for any other programs that are available. As you will see from the list of benefits below, this might be your best option if the film industry is something you have always wanted to pursue but never thought you had the time or the resources to do it. Take a look:

1.Perhaps one of the greatest benefits of attending an online film school is the fact that you can study and earn your accreditation at your own pace. With an online film school, you are not forced to complete individual programs by a certain time which means more flexibility to go through the courses at a pace that would ensure you understand everything fully.
2.For many people, there is nothing more rewarding than being able to pursue a college education in the comfort of their own home. Being at home while studying means you will still be able to spend quality time with your family while pursuing the career of your dreams. With an online film school, neither your studies nor your family life will suffer, nor will one take precedence over the other.
3.Attending film school online means that your 9-to-5 job or whatever other activities you do during the daytime will not be affected. Because online programs allow you to work at your own pace and in your own time, you will be able to continue your regular day-to-day activities without worrying about missing a class that is taking place.
4.As part of your film studies, you will more than likely need to work on projects for submission to the school. By attending film school online, you will be able to work on projects in a neighborhood that you know because you are actually studying straight from home. Things like identifying areas for filming or people whose assistance you would need to be a part of the cast will be much easier because you are studying in your own neighborhood. Many students who attend film colleges far away from home usually have difficulty finding subjects or locating an area that is suitable for their film project.

Attending an online film school is definitely the way to go for people who want to have the luxury of their own time and who do not necessarily need the campus experience in order to succeed in a course of study. Spend some time today looking online for film schools that offer their programs via the Internet. Take the opportunity to realize and achieve a dream that you have always had; today, the internet will make the feats that seemed impossible be totally attainable.