The Pros & Cons of Private Student Loans

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College students are often cautioned to avoid private student loans unless absolutely necessary, urged instead to take advantage of all other financial aid options first.

The advice is sound. Generally speaking, private student loans, which are offered by banks, credit unions, and other private lenders, dont offer the same level of borrower protections and benefits that government student loans do.

As a student, you should seek out grants and scholarships first — money for college that you wont have to repay — before taking on student loan debt. Then, if youre still going to need college loans, you should, in general, make sure youve maximized all your available federal student loans before you consider taking out a private student loan.

>> Interest Rates & Repayment Options

Federal education loans have fixed interest rates and more flexible repayment terms than private loans. The Department of Education offers income-based repayment options that keep your monthly payments at a figure you can afford, repayment extensions to give you more time to repay, and loan deferments and forbearances that can temporarily postpone your student loan payments if youre facing financial hardship.

If you go to work in the public sector, you may also be eligible for the discharge of some or all of your federal student loan debts.

With private student loans, on the other hand, your interest rate is almost always variable, and private lenders arent required to provide the kind of repayment flexibility that comes standard on federal college loans.

The current foreclosure crisis that began mushrooming, in part, because of adjustable-rate mortgages should be enough to make anyone leery of adjustable-rate loans on anything.

But its worth keeping in mind that when interest rates are low, as they are now, adjustable-rate private student loans can have a lower interest rate than their fixed-rate federal counterparts.

If you have excellent credit, or if you have a parent or co-signer with excellent credit, you may qualify for the lowest-rate private college loans, which currently carry interest rates that are as much as 3-percent to 6-percent lower than the rates on federal student and parent loans.

Interest rates are destined to rise as the economy continues to recover from the recession, so private loan rates wont always be this low, but if you or your parents are in a position to pay that private student loan off relatively quickly, you may be able to save money over a government-issued college loan.

>> Covering Your College Costs

So why take out a private student loan at all?

Private student loans are meant to “fill the gap” in college funding that may be left after you reach your federal student borrowing limits. In many cases, families find that scholarships and federal financial aid simply arent enough to cover the rising cost of college.

Without private student loans, you may not be able to pay for college or continue your studies.

MSc Nursing Masters Degree at the University of Southampton

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MSc Nursing masters degree course offered by the University of Southampton, just visit the Health Sciences website at

“>The MSc Nursing masters degree at the University of Southampton is a pre-registration degree, which means that graduates may register to practice with the Nursing and Midwifery Council.

To enrol on the MSc Nursing masters degree, applicants must meet the University of Southampton’s academic criteria. Typically a 2:1 undergraduate degree is required in a health or science related subject.

Applicants must also have undertaken some formal academic study within the past five years.

The MSc Nursing masters course enables students to become highly competent, knowledgeable and skilful practitioners who are able to provide high quality nursing care in their chosen field of practice.

Opportunities also exist on the MSc Nursing course for Erasmus exchanges, which enable students to study for part of their qualification in another country.

Suitable experience for applicants for the MSc Nursing course may include work undertaken in nursing or residential homes, hospitals, schools, mental health services, services for adults or children with physical or learning disabilities, or community health care.

This type of experience also gives applicants the chance to find out whether nursing is the right career choice for them before embarking on the MSc Nursing programme.

The University of Southampton has a good reputation for training in the field of Health Sciences. It is also widely recognised for the quality of its research activities.

Southampton’s Health Sciences Dean Jessica Corner said she believed that the Faculty was developing the top clinical leaders and first class practitioners of the future.

She also said of the University’s learning ethos: -We are student-centred, meeting the needs of students with differing learning styles and learning needs, we take pride in offering a unique, values-based approach to our educational delivery to the advantage of each of our students.-

To learn more about the MSc Nursing masters degree course offered by the University of Southampton, just visit the Health Sciences website at

Free Scholarship For Mother

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Being a mother you apparently understand that your own priorities are your own youngsters. You have to provide for them best way possible. And the only way to do this is by going back to school. In fact going back to school gives you the chance to earn a ton of money that you might use to provide a better quality of life for both you and your own youngsters. Unfortunately the biggest downside with going back to school is how much it costs.

Nowadays the cost is anywhere from $5000-$25,000 or more per year. This is many money just for school. Typically when faced with this situation many moms will often take out loans. In fact nowadays taking out school loans might be very costly. You might expect to pay higher interest rates and also you will find that you will be forced to pay back thousands upon thousands of dollars back to the school long after you graduate. Lenders have been tightening their credit standards to where you have to have a perfect credit score just get approved for the best rates on school loans.ns.

And as a result of this situation there is now a program on hand that is called the Scholarship For Mother award. The scholarship for mother award is a better option for those that don’t want to put up with paying back thousands of dollars for school fees. The scholarship for mother award offers $10,000 to moms are interested in pursuing their education once again. This money might be used for just about anything from daycare expenses, food, tuition and more. This is basically free money that might be used for anything and doesn’t have to be paid back. In order to take advantage of the scholarship for mother award all a mom contains to do is to go to the web sites on hand that offers the award and simply fill out the basic information required. To finally get instant access to Scholarship For Mother that will pay those expensive school fees just Click Here

Making Money – College Students – Easy Ways

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Its a no brainier that college students need extra money. Going to class, taking notes and studying for tests is what you are spending the big bucks on but there is more to the college experience than these things. It will take extra money and being a wise spender to enjoy the things out of the classroom. Below are some suggestions that will give some ideas on how to have the funds to enjoy the college life and still have time for your studies.

If you have not thought about using the internet to make some extra money, it is time to start. The internet can provide the extra Ka Ching you need. You may not get rich as a student on the internet but you can always have money in you pocket. Who knows it may lead to great income down the road. I personally know a man who graduated from one of the finest universities in the U.S. and got rich on the internet in a area not related to his degree. There is little money or lots of money to be made in cyberspace. It is up to you and you alone.

You will need to sell something or help others sell something. You can do it by creating a simple website or websites and selling you own products and help others sell their products to affiliates programs and advertising programs such as Google adsense. Don’t buy AdWords unless you have deep pockets and you probably don’t or you would not be reading this page. eBay is a great way to pickup some quick cash. Find something to buy very cheap and sell it a reasonable price for the customer.

Some things will bring in way more than you expect, especially if it is vintage tee shirt of some band or star. Check out the good wills, yard sales, etc. They are still out there and owner does not know what they have. They just want it out of their house. When you find something like this and you will if you seek diligently, SHOUT because you are fixing to make some money. These finds are little treasures. It is not hard to get setup on eBay if you are not already. I just play around with it and sell 12 to 16 thousand dollars per year. It is not all profit but it is all money and the money left over feels good in my pocket.

Keep your eyes peeled for junk, curbside, awaiting trash pickup. When Ma tells Pa to clean out his junk from her house that is money in your pocket. Pa doesn’t care, he just wants Ma happy and Ma is not happy with junk in her house.

For more information on how to invest visit Investment Opportunities

No Time To Go Back To School Try An Online Education

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We are so accustomed to seeing college students go to school and obtaining their education the standard way that it is often a big surprise for most of us why online degrees are now being offered. Regardless of whether wed believed that only non-conformists would turn to such actions, we are wrong.

Did you even realize that online education programs are a hit? Many individuals find this program much better than the regular way to go to school because of its comfort. Because of this incredible convenience, online education is very popular among the young and old.

Besides the expenses saved through the lack of commuting, textbooks, childcare charges, or materials, online courses are the very essence of comfort. When others wouldn’t want to just sit in front of the computer and lose the chance of a classroom conversation, other people prefer to study in comfortable clothing, in the comfort of their own home.

All in all the view regarding the efficacy of the online educational system is subjective. However, the latest studies have actually proven that acquiring an education this way is a great solution for the working person, trying to be successful in all possible areas of his life family, career and finances.

Why else is online education a hit? Just about anyone even mothers can easily benefit from the system. Now, far more stay at home parents are presented the option to pursue their desired degree without needing to give up their time for their children. It enables parents a way to balance work, school, and family.

One of the best results of this system is to be able to multi-task. No time is actually ever lost because you will truly be taking advantage of your entire day. You can be part of your childs life and enjoy his or her progress while furthering your own intellectual progress.

A lot of people have a problem handling their time and resources. No matter whether this has been an option before, now, online education lets them manage both. Most people can work to repay their education costs. Almost nothing should be sacrificed for the price of an excellent education.

You will find that lots of individuals who are attending college and also working are still able to enjoy a whole day’s work. That is because online education will provide you with a way to do both. This method gives them the education needed without tiring them with commute from work to college and vice versa. Furthermore, it enables people to make the most of their time.

Accredited online universities Backbone of Online Degree Programs

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Accredited online universities not only provide good degree programs but, are recognized by most of the employers as well. Thus enhancing the future prospects of getting better jobs.

When opting for online education you will have to do a lot of ground work and research. You will need to first find out more about the programs offered in your subject and by universities which offer them online. Once you narrow down your choice to few online universities, do make your self doubly sure about their accreditation status.

Accredited online universities mean that their programs and courses, meet certain set criteria of an outside accrediting agency. This also means that the program will be met with acceptance by most of the employers and your degree will thus hold value. At the same time you will be assured of transfer of credits, in case you opt for another university for completing your selected online degree program.

While checking for the accreditation status, look out for words such as “accredited” and it being used with the name of the accrediting agency. You may even further need to check out the authenticity of the accrediting agency as there are many of them. If you are not careful enough, you may get a fake degree from any of the diploma mills, which will not only defeat your purpose of getting good quality education but will also waste your money and time.

At present, the main accrediting agencies include the Distance Education Training Council (DETC), United States Department of Education (USDE) or the Council for Higher Education Accreditation (CHEA) which is a nongovernmental coordinating agency.

Of date, the University of Phoenix was the first online university to become fully accredited, followed by DeVry University. Capella is another well reputed college to be accredited too. Of all the online universities, DeVry University is very popular as it offers various courses in almost 70 locations. Amongst the rest, AIU Online, Boston Universtiy and IIT Technical Institute are supposed to be known for their online degree programs as well as job placements too.

University of Phoenix, Boston University, American InterContinental University and Devry University are some of well recognized and accredited online universities offering degrees in arts & humanities, Business & MBA, Computers & IT, Education & Teaching, Health & Nursing and Social Sciences too.

So, while opting for your online degree program, do go through and check out the Accredited online universities and enroll for their programs only as they have greater value when you step out for getting a job with them.

Why Play is Valuable for a Child in Early Childhood Education

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The Oxford dictionary describes play as: to fulfill, to occupy oneself, to have the ability to perform, to undertake or exercise activities for pleasure.

Not any particular child, but every child in any nation, environment or circumstance needs play. It’s absolutely necessary for children to play, to express themselves social, emotionally and physically. Play allows itself to be an individual creation or to be shared with others, it can be pulled in any direction letting it be turned into anything a child would like, preparing a healthy start to a lifetime of learning. Play is so special that its generosity even includes having fun; in fact that is one of the most important things about it. It has so many benefits that head off in every direction developing all the important ingredients for strong head start in a child life.

It is the adults job to explore the conditions which are best for maximizing the potential benefits of play for children to develop these social skills. One of the ways to do this is to provide and encourage games that are fun, exciting and positive for children. Many social skills are learnt through co-operative activities allowing the child to learn how to confidently form stronger friendships and relationships with siblings and parents.

Activities that involve interacting with others teach children not only about themselves but also about other childrens feeling needs and wants. Since they have learnt to value others’ emotions they develop skills to handle confrontations and conflicts in the future.

It’s also important for a child to develop physical strengths along with the social and emotional. Play has a huge impact in this development for children of varying ages, abilities and interests. Physical play strengthens a child’s fine motor skills as well as gross motor skills. Fine motor skills include such things as eye, mouth, wrist, finger and toe movements, whereas motor skills are the exercise of the larger muscle groups like the arms, legs and torso. This motor play provides critical opportunities for childrens overall strengthening of muscles, nerves and brain stimulation.

Play involves social, emotional, and physical learning. Included in all these types of learning comes cognitive development, an important result of play. Play gives children the opportunity to understand the world, interact with others in social ways and to express and control emotions. Play is a child’s opportunity to practice the skills they are building, and to try out new tasks. This gives them the framework and knowledge to solve more complex problems. All these things are needed for a child to get a healthy start in life. But the most important part of play is having fun. Play and fun are inseparable from each other. Without play, fun doesnt exist and without fun play cant exist.

For more information on early childhood education and the effect of good childcare on a child’s development check out my section on kindergarten and kindercare at our website.

Students Preparing For IIT JEE Need Coaching

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It is always better to trail a path by holding hand of a person, who knows the path well. Then you are aware of the ups and downs of the path. This holds true for IIT JEE preparation also.

When a student opts for coaching classes then he knows the complicacies of the exam. He is guided by imminent Professors. They take the path of success and students can also trail the path along with them.

A good student puts in all the effort but if there is no proper guidance; then he might not succeed in exam. IIT JEE is a well conducted exam and it needs thorough preparations. Any small mistake may lead to a difference in score and hence a difference in achievement.

The student wants a high score in IIT JEE to get the desired branch and have loads of knowledge in the field of interest. This can only be achieved through high score. The high score is attributed to IIT JEE coaching. A team of highly qualified Professionals are available to coach the students in their field and achieve the target easily.

Students preparing for IIT JEE need proper coaching regular or online as the choice may be. This will help in getting the right path to tread. It needs lot of determination for proper self-study. Students can study well but cant study so well without proper aid.

As it is IIT JEE preparation needs strong will-power and determination. And if the student does not get proper back-up, then the stamina is broken leading to inadequate preparation. And none of the students want this kind of attitude towards preparations.

IIT JEE coaching is a motivational factor to keep the student going. Professors conduct tests on regular basis to assess the students performance and prepare them for future tests. Professors teach the students well and conduct regular tests. These tests allure the students to take up their lessons well and achieve their target with ease.

Professors also deliver motivational talks for students if they dont perform well. Sometimes, students get distracted by some external factors. Professors also take care to get them back to their ultimate goal IIT JEE. All these reasons make coaching compulsory for IIT entrance test.

Martial Arts Student Learn Self Defense with a Walking Cane

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Black belt students and their families at Personal Mastery Martial Arts learned how to defend themselves using only a cane last Saturday. They learned that some of the best tools for self defense can be items that are used every day, like a cane. Although cane seminars have been taught at Personal Mastery Martial Arts before, this was the first one in several years and all of the students came away from the seminar with more knowledge about self defense, feeling safer and more able to defend themselves.

One participant, Kim McGowan-Jackson said, -The cane seminar this morning was so awesome! Everyone was great and learned some fantastic new skills. The cane is up there as one of my favorite in weapons. Love it!-

Although students at Personal Mastery Martial Arts begin to learn how to use weapons, such as long staff, from the time they are intermediate students in the Tae Kwon Do program, this was the first time for many of these students using an every-day tool for self defense. It was a brand new experience that opened up their eyes to different ways in which they would be able to defend themselves, if the need were to arise.

The seminar was taught by Master Instructor Brett Lechtenberg. Brett is known as -Utah’s Leading Family Safety Expert- and has been teaching personal and family safety for over 20 years. He is also the owner of Personal Mastery Martial Arts. He has taught a large variety of safety and self defense seminars from anti-bullying seminars, to women’s self defense, to defense against home invasion. He often visits other martial arts schools across the country and teaches these self defense concepts and techniques to others as well.

Master Instructor John Nottingham, who owns the USA Martial Arts school in Arizona, said, -We had Master Brett Lechtenberg teach the cane seminar at USA Martial Arts and it was outstanding! Practical, fun, and super easy to learn.-

For more information about martial arts in Sandy check out the website: Sandy Martial Arts

Ontario Teacher’s Pension Fund Buys UK National Lottery

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Ontario Teacher’s Pension Fund Buys UK National Lottery

The UK National Lottery has a new owner. Recent news reports say that the popular national lottery has been purchased from current operator Camelot by the Ontario Teachers Pension Plan from Canada. The UK National Lottery Commission will have to approve the deal before it can be completed. Reports say the deal is worth C$590 (385,418,680 pounds or $573,321,862 USD) Camelot executive Dianne Thompson stated, “We welcome Teachers’ commitment to The National Lottery’s ongoing success, and look forward to the opportunity of working with them to continue our progress in developing the business and delivering even more money for the good causes.” Current operator Camelot said that the company’s shareholders Cadbury Holdings, De La Rue Holdings, Fujitsu Services, Royal Mail Enterprises and Thales Electronics have agreed to the sale. The Ontario Teacher’s Pension Plan is known as “Teacher’s.”

Teacher’s also has several other holdings in the UK including Acorn Care and Education, Bristol International Airport, Birmingham Airport, Scotia Gas Networks, InterGen and Thomas More Square Estate. Camelot, which currently manages the UK National Lottery designs new lottery games and markets lottery products and also rune the vast lottery ticket network. The UK national Lottery will undoubtedly be a lucrative investment for the Teacher’s Pension Plan and Camelot reported 5.15 pounds in sales for the fiscal year ending March 2009. (about $7 and a half billion USD) Teacher’s is one of the world’s biggest private investors with assets estimated at $87.4 billion dollars.

The National Lottery enjoys immense popularity with both UK players and European players. The UK national Lottery sells online lottery tickets for the convenience of players and sales have been brisk. Camelot Group will continue to run the lottery and work with Teacher’s to provide players with the best lottery service possible. Teacher’s executive Lee Sienna stated, “Camelot is a world-class lottery business with substantial opportunities to grow, both domestically and internationally.” Sienna also praised Camelot’s previous charity work saying, “We maintain the highest standards in relation to management and governance, which we see as particularly important in the case of Camelot, given its unique role in raising money for the good causes.”

In the UK and Europe most lotteries are using the latest software to offer online lottery tickets in addition to traditional lottery tickets. In the US most lotteries have yet to adopt modern technology but two states, Illinois and Iowa, are researching the possibility of offering players online lottery tickets. The technology is already in place and US lotteries need look no further than the UK National Lottery to see how a highly successful online lottery ticket sales network can be easily implemented.