education

New Regulations Could Tie Student Loans to Post-Graduation Employment

The U.S. Department of Education is considering a new regulation that would tie a schools ability to offer federal grants and college loans to proof that its alumni can find gainful employment after graduation.

Colleges and universities that cannot demonstrate that their graduates are “gainfully” employable — earning enough after graduation to be able to make the monthly payments on their student loans — would be barred from offering federal financial aid.

Although the proposed regulation — the so-called “gainful employment rule” — would apply to all schools that offer federal financial aid, the rule is aimed specifically at curbing complaints about for-profit colleges that provide occupational education and job training at such high costs that their graduates are often left in financial sinkholes, overburdened with student loan debt and holding degrees that may not translate into anything but minimal-paying jobs.

The Department of Education had planned to release the revised draft wording on the gainful employment rule in November, but wanted to spend additional time reviewing the more than 90,000 public comments made when the rule was first proposed in July. The government hopes to implement the rule by July 1, 2012.

>> Regulators: Gainful Employment = Ability to Repay Student Loans

As outlined by the Education Department in the initial draft of the rule, “gainful employment” will be measured in part by the percentage of a schools graduates whose student loans are in default.

The Education Department already currently considers student loan default rates as a condition for allowing institutions to offer federal financial aid, but the new rule would allow the government to evaluate schools program by program, using student loan default rates specific to each degree program offered, rather than the schools overall default rate.

Some critics of the proposed regulation question the merits of using student loan defaults as a measure of gainful employment, as opposed to measuring employment more directly through other means. These critics point out that borrowers may default on their student loans for reasons other than unemployment or low earnings, and some schools worry that theyll be held liable for defaults that are unrelated to employment.

Consumer watchdogs and student advocacy groups, however, maintain that for-profit colleges encourage students to take on more student loan debt than they can reasonably afford, in order to pay the high price tag that for-profit schools slap onto degree programs with limited or low-paying employment prospects.

Further, these groups says for-profit schools may be enrolling students who are not academically qualified for the programs they enter, creating a higher likelihood that those students will drop out of their program, which in turn means a higher likelihood that those student will default on their student loans. (College dropouts, in general, default on their student loans at a higher rate than do those students who complete their degree.)

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Aspiring Chefs Just Need Passion And Talent. French Culinary Institute Scholarships Takes Care Of Fi

Situated in the streets of New York, the French Culinary Institute recognizes that the potential of culinary talent may be abundant but may be scarce in education funds. With this realization, French Culinary Institute Scholarships are now offered to incoming learners who have passed qualifications on academic merit and financial necessity.

Some of the pride of the French Culinary Institute are master chefs like Jacques Pepin, who happens to be one of its distinguished faculty, and Food Network stars like Bobby Flay, who was once a student in the institute and now is a visiting lecturer. The institute has offered six-month syllabus of day courses and a program with nine months duration for night classes. In supplement to this, the French Culinary Institute has been recognized for their offer to have a series of classes focused on the amateur chef. Unprofessional and full-pledged students both have hands-on training at Lcole, the fine dining restaurant of the institute. Without consideration of a students course, each is eligible to submit an application for French Culinary Institute Scholarships. Some qualifications that needs to be met are US citizenship and permanent residency, which of course ranges from a few thousand to more than ten thousand applicants. These grants also include awards for four Restaurant Management Scholarships in the same number of thousands each focused toward those who want to pursue restaurant management careers.

The FCI Military Scholarship, which awards twenty hopefuls with $5,000+ in the previous years, has been intended for students with culinary and pastry arts interests. Eligibility of French Culinary Institute Scholarships in this category is very specific to those who have worked for any branch of the military for at least 30 days. The Societe Philanthropic/ The Friends of the FCI scholarship is one of the very famous grants given by the French Culinary Institute and has, at one time, given a $6,000+ award to a student who wants to enroll in either the Pastry Evening Program or the Culinary Evening Program. The Friends of the FCI Fall Award is the highest grant of the French Culinary Institute. It had given one individual pursuing studies in either Classic Culinary Arts or Classic Pastry Arts and who would be starting the course in either October or November.

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The Convenience Of Finding Easy Scholarships

For some people, the paper works for entering college and applying for scholarship grants can be overwhelming. The number of applications you may have to accomplish can be even more difficult. It can be frustrating knowing that the money you will get from the grant may not be enough to cover for your educational expenses. You may have to juggle between a part time job and your studies. The good news is that you can now avail of easy scholarships online.
The truth of the matter is getting scholarship money for college need not be challenging or costly. To avail of free online scholarships, you simply have to provide your e-mail address and hope that your name will be drawn. You do not have to fill up several application forms or purchase any product. Getting financial aid on the Internet is easy and free.
Easy scholarships give you the opportunity to win $10,000 worth of financial grants by simply giving your valid e-mail address. This way, you may no longer have to mix working with studying. Likewise, there might be no need for you to take out a college loan for next year. Availing of financial grants on the Internet can free you from future hassles.
To avail of free scholarships on the Internet, you do not have to exert a lot of effort or do something extraordinary. They are very accessible and you will know if you won by month’s end.
Easy scholarships give you the opportunity to win $10,000 worth of financial grants by simply giving your valid e-mail address. This way, you may no longer have to mix working with studying. Likewise, there might be no need for you to take out a college loan for next year. Availing of financial grants on the Internet can free you from future hassles. To avail of free scholarships on the Internet, you do not have to exert a lot of effort or do something extraordinary. They are very accessible and you will know if you won by month’s end. Financial assistance allows you to focus on your studies rather than working your way out and struggling to make ends meet. Online scholarships are your ticket to improved performance and a secured future. So make the most out of every scholarship programs that you find.
Do your best in researching and looking for easy scholarships online. You can also check out schools, non-profit organizations, or government agencies who might be offering easy scholarships.

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Guru Nanak Public School In Punjabi Bagh For Best Education

The insignia on the school is that of the Ek Omkara which people can see even from a distance. The Guru Nanak Public school, Punjabi Bagh established in 1964 was managed by the Sri Gurun Singh Sabha, Punjabi Bagh, New Delhi. An English Medium Co- Educational Senior Secondary Public School, Guru Nanak Public School, fondly called GNPS is recognised by the Directorate of Education and the school is affiliated to the Central Board of Secondary Education.

It is also a member of the National Progressive Schools Conference (NPSC) and the Delhi Sikh Public Schools Conference (DSPSC). In the year 2007 Guru Nanak Public School became a member of British Council. Though the school began with very humble beginnings with very limited resources, presently, the school has come a long way with above 2000 students on roll, with an extremely qualified and competent Academic and Sports Faculty. A low student teacher ratio is maintained at the primary level, to ensure maximum individual attention. Children are taught through the play way method inorder to mould their personality on the whole. Teachers use puppets, and a variety of teaching aids to bring about a conducive learning environment.

The Middle classes are provided with well equipped laboratories while the senior classes are offered optional streams like science, computer science, Humanities and commerce to choose from at class 12 . The school follows the CBSE mode of curriculum but in collaboration with foreign educational institutes in U.K. offers the Global Partnership Programme for Schools. From class I onwards all the students are divided into five houses namely Ajit House, Jujhar House, Zorawar House, Fateh House and Ranjit House to inculcate a healthy spirit of competitions and develop leadership qualities in the students, once these qualities has been developed in the students then they become self-motivated in their whole life.

Online School Admissions is a portal that caters to parents and helps makes school admissions a delightful experience. In case you are on the look-out for schools in Punjabi Bagh from the best Public schools in Punjabi Bagh and dont know where to begin, relax! OSA does everything for you. All you have to do is to fill up your application form, and wait for a date when your child will be interviewed at the best schools in Indore. OSA also posts Blogs on the Internet on topics related to education and parenting and understands a childs world.

The writer of this article is a school advisor in OnlineSchoolAdmissions and provides free of cost consultancy to parents and schools on admissions. Parents can look for the Guru Nanak Public School from the directory list on the site from where they can search for the best schools in Punjabi Bagh in which they think they can admit their child. They can also search for the top 10 nursery schools in Punjabi Bagh as per their choice and can fill up the application forms online.

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Bgs International Public School Dwarka, New Delhi

BGS International Public school aims at preparing students to be responsible citizens. Students are nurtured with a sense of integrity and honesty. The school believes in child-centric education and on the concept of an all-round development of the individual child. The school has a math lab, a science lab and a audio-visual lab. Students also get to participate in work experience activities like Craft, Candle Making, Leather Work, Batik, Embroidery, Gardening, Painting, Flower Making, Electronics, Carpentry and Pot Making etc.

The school also has a wide-range of books in fiction and non-fiction. Also the School has books relating to subjects in the regular curriculum. The school has a literary club. In this club, students get to participate in debate, elocution, public speaking, creative writing, quiz, calligraphy and essay competition. At senior classes, career counseling is provided. Eminent personalities from different fields come to share their views and experiences with the students. Students get to move ahead with the right aptitude and attitude. The school also updates its infrastructure to increase the student strength. The school has separate fully equipped laboratories for Biology, chemistry and Physics.The library is gradually increasing the exhaustive range of books for all ages. The school has Music room Indian and Western with Instruments.

The school has 4 wings. These 4 wings are Montessori, Primary, Middle and Senior. Every wing has its coordinator and teachers. The school follows CBSE curriculum and the medium of instruction is English. The medium of instruction at the school is English. The school also offers second and third languages. The students also get to take part in co-curricular activities. The school has a full-fledged Music Room and a spacious dance room. The school has all the necessary musical instruments. The students also can get training in classical and non-classical music.

Students also get to learn many dance forms like Indian, Western, Folk and Mondial Dance Forms. Children are also taken on motivational study tours in India and abroad. The school organizes literary activities in all 4 languages. These four languages are English, Hindi, French and Sanskrit. Students get to participate in speech, debate, declamation, recitation, spell vocab and advertising campaigns. Through these programs children learn varied talents, accomplishments, theatrical and musical among its students. These skills will be fine-tuned in the years to come. Cultural activities in the school focus on ethnic, traditional, modern and international value-based programs.

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Texas Scholarships For Mothers – Best Way To Find Them

Mothers are the light of every family. But, mostly they identify their existence as the mere care-takers of their family. They do not understand that it is also important to live for yourself and aspire to achieve your dreams. Many state grants have been organized for this purpose of providing necessary financial support to the mothers. For this reason, the second largest state of the U.S, Texas, has arranged various Texas scholarships for mothers.

The state of Texas has structured various scholarships based on merit and talent. An important scholarship amongst this is the Robert C. Byrd Scholarship which is awarded to those students who are amongst the top 10% scorers in their high school class and the award for the same is $1500. A brief description on the other scholarships available in the state of Texas for mothers has been mentioned below.

1. Career Colleges and Schools of Texas Scholarship Program – This is a huge scholarship program available to 6000 freshmen undergraduates studying at any technical college in Texas and the scholarship amount is $1000.

2. Edward S. Roth Manufacturing Engineering Scholarship – This is exclusive for undergraduate students studying engineering at any of the select Texas state colleges and the grant is for $2500.

3. Emerging Texas Artist Scholarship – This scholarship is available to students studying arts. 8-15 undergraduates and graduates are entitled for this scholarship of $500 to $2500, studying at a Texas college.

4. J. A. Knowles Memorial Scholarship – This scholarship is only for the Methodist graduates and undergraduates and every year 70-80 students are entitled for this award of $800 to $1200.

5. Mary E. Bivins Foundation – Every year 50-75 Christian undergraduates or graduates are offered this scholarship amount of $1000 to $2000 who are studying at a Texas college.

6. Outstanding Rural Scholar Program – The scholarship amount for this program is not specified, however, the scholarship goes out to an undergraduate majoring in health field and studying at a Texas college.

7. Ozarka Natural Spring Water Statewide Scholarships – This scholarship of $10,000 goes out to two undergraduates studying earth science and are residents of Texas.

8. Texas Health Resources Scholarship – This scholarship is exclusively ear-marked for a black undergraduate, residing in Texas.

9. Texas Scholarship – This is a general scholarship program for $1000 granted every year to freshmen undergraduate students studying at a Texas college.

Reviewing the various scholarships provided from the state of Texas, displays the fact that the state is very concerned towards the condition of the mothers and in deed, is working hard for the progress of the mothers. Texas scholarships to mothers is a wake-up call to all the mothers to start looking out for the best opportunities which is available to them and go ahead in the path of education without any financial obstacles.

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How To Find And Get Free Money For School Fast, $10,000 With No Credit Checks Or School Loans

With the way the economy is today, and how most college funding sources are cutting back. Its essential, to think outside of the box and find out how to get free money for school. And if you can do it fast, without credit checks or high interest loans the better.

Before I give you the tactic to use to find funding for your school, let me let you in on a big tip to finding the money you need today.

Most financial aid counselors, teachers and parents mean well when they tell you to apply for Fasfa and government aid. But in reality, they have no clue about how things work anymore.

These traditional resources used to work, 10 to 20yrs ago but today they are overwhelmed with all the people entering school and older people going back to school.

This makes it impossible for you to get the money you need, and it leaves you to resorting to getting school loans that leave graduates in debt for an average of 30 to 40yrs.Not Good!

If you are just willing to think different and learn how to get free money for school, from non-traditional sources you would be way better of!

Here is one very effective way you can use this week, to get the college funding you need fast

Im talking about online funding giveaways and contests. Now, before you start forming your own opinion, hear me out

These are nothing like lotteries or empty promise companies, that charge you just to enter for a chance to win something.

There are tons of websites all over the place that offer money for school, that you register to win. What you end up doing is filling out surveys on how you think, how you spend your time online, what mosts interests you online and what are your top visited websites.

They then take this information and sell it to third parties for market research. This helps them structure their advertising and products. So you buy more.

In turn, they pay a fee to the website that sold them the information. This is how they can provide money for your school funding for free.

Very simple, but most students just don’t have the know-how to think outside of what everybody is telling them to do.

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Why do credit card companies target college students

Many credit card companies see the marketing potential in college students. Credit card companies use promotional offers and free gifts like t-shirts, coffee mugs, or CDs to entice students on signing up for their company.

Have you ever asked why? Loyalty is a good reason. Credit card companies are competing to be the first credit card that the student will own. By being their first credit card, it is very likely that even when they graduate from college and enter the corporate world, students will be upgrading their credit cards with the same credit card company.

Students are Big Spenders
Aside from this, college students are great spenders. Lets face it, credit card companies love customers who spend much using their credit cards. The more a person uses his credit card, the better it is for the business. And students are usually prone to over spending or using their credit cards excessively not just for their school necessities but on luxuries as well.

Despite the fact that college students are still in school and most do not have stable jobs to finance them, credit card companies are still doing everything to encourage these students on obtaining a student credit card. Furthermore, credit card companies are encouraging students to use their credit cards as often as they can.

Regardless of whether a student can afford to pay it or not, credit cards are willing to take the risk. Why? Because they can simply charge additional costs on the customers account if they fail to make their payments on time. For instance, credit card companies profit from charging interest rates and penalty fees on their customers. Obviously, customers who fail to pay their balances promptly pay more even if it takes them some time to repay their bill. In the end, the credit card company is still the one who benefits.

Students Need Credit
It is also interesting to know that students will do everything in order to repay their credit card debts. Although, students may fall behind on their payments, they will still find some way to pay off their debts especially as they are about to graduate and find employment. Students may get a part-time job, get a student loan, or borrow from their parents or relatives the money to get off their credit card debts.

Students need to clean up their credit report from any unimpressive records. They need to boost their credit rating so that future employers and creditors can find them worthy of their approval. Thus, credit card companies know that whatever happens, students will find a way to settle their credit card debts sooner or later.

In view of this, it is up to the students on how they will use their student credit cards to their advantage. Credit card companies do not have to be the only ones to profit. A student credit card can provide great help and support during a students college years as long as the student knows how to manage his finances responsibly.

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Getting Through College Without Student Loans

According to statistics compiled by the U.S. Department of Education, two-thirds of college students today leave their alma mater with debt from student loans, and the average student loan debt amount among these graduates is a startling $23,186.

These student debt numbers go hand in hand with reports from the College Board that four-year public colleges and universities now charge, on average, about $7,600 in annual tuition and fees to in-state undergraduate students and nearly $12,000 a year to out-of-state students. Private non-profit four-year colleges and universities average more than twice that, costing students about $27,300 a year in tuition and fees.

With the average tuition cost of a four-year degree running between $36,000 and $108,000 — and thats without counting non-tuition college costs like room and board, textbooks, transportation, and living expenses — its easy to understand why student loans have become such a common piece of a students financial aid package.

An increasing number of students who graduate with college loans, however, are finding it difficult to repay their student loan debt. Department of Education statistics show that nationally, about 7 percent of borrowers who entered repayment on their federal education loans in 2008 defaulted within the first year of repayment, and nearly 14 percent have defaulted within three years. (2008 is the last full year for which student loan default statistics are available.)

As consumer and student advocacy groups like The Project on Student Debt and the Institute for College Access & Success call attention to the spreading problem of ballooning student loan debt, spiking default rates, and the growing number of recent graduates who find themselves in need of debt help, some students are looking for ways to pay for college without taking on debt from school loans.

Graduating from college debt-free is certainly possible, but it can require some careful planning, creative financing, and potentially some adjustments in your college plans.

1) Pay as You Go If your school offers tuition payment plans, consider eschewing student loans in favor of a “pay-as-you-go” model. By taking advantage of a school payment plan, you can pay for college in smaller installments, rather than as one big chunk all at once.

Many colleges and universities now offer monthly payment plans that allow you to spread out the cost of your tuition and fees over the course of the semester and pay for your college costs in monthly installments. You may be charged a small one-time or monthly fee when you opt for a tuition payment plan, but once youve earned your degree, youll be able to leave school with no student loan debt.

2) Scholarships & Grants Spend some time each month searching for college scholarships and grants. There are several online scholarship search engines that allow you to search databases of awards for free. Scholarships and grants provide “free money” for college that, unlike student loans, you wont need to pay back.

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Information On Private Student Loans

Getting an education after high school is becoming more and more expensive. But it is also becoming more and more of a necessity to get a good job that pays well and has adequate benefits. For this, most young people need to attend college or some other type of additional training. Most of them cant afford to pay for their education by themselves and end up looking for financial help of some kind.

Student loans are a popular choice, but federal student loans are based on financial need, and some students do not fit into those guidelines. An alternative choice for these students or their parents is a private student loan. These are loans done through private lenders instead of the government. The advantage of these types of direct student loans is that they have many of the same kinds of benefits as federal loans.

These loans can be used for any and all college expenses. Things like tuition, books, supplies, computers, and living expenses are all things that qualify for private student loan funds. These loans are unsecured, meaning that no collateral is needed. The loans are credit-based instead. This can mean that the student might need a co-signer if they have not established a credit history, or their parents can apply for the loan instead.

A private education loan is usually a low-interest loan. Borrowers can shop around to find the best rate. There are generally no application fees to apply for this type of loan and there are also no deadlines for applying. The money can be delivered in as little as five days, and the money is given to the student instead of the school. The student is then responsible for paying for their various educational expenses.

This kind of loan has other advantages similar to federal loans. The interest and principal payments can be deferred until the student graduates from school. For most of these loans, a student is required to be attending school at least half time for the deferral of payments and interest.

When the student does graduate from college, the loans can usually be deferred for six months until the student finds employment, and then the loan holder will generally have a variety of repayment options available so that the student can tailor their payments to their income.

A private student loan is the ideal answer for students who do not meet federal requirements for financial need or whose educational expenses are not fully covered by their federal financial aid. Many lenders offer private student loans to students or their parents and the application process is simple and free. The loan requirements are usually less stringent and the repayment options are affordable for young professionals. A private student loan is a great way to finance the education of any student that needs financial help.