Student Loan Settlement Is the Loan Subsidized

Ever since Credit 911 confirmed that we could settle unsubsidized student loans, we have spent quite a bit of time explaining what the difference between the two types of loans are.

In short, subsidized student loans are when the Federal Government paid the interest on those loans while the individual was attending school. The Federal Perkins Loans are an example of a subsidized student loan. The interest rate is locked at 5% and the Federal Government pays the interest while the student attends school, there is a 9 month grace period following graduation, and an additional grace period during deferments.

Perkins loans, however, are limited in dollars to those students who show the greatest need.

Most students then turn to the Stafford Loan program for additional funding, these loans fall into our two famous categories Subsidized and Unsubsidized. Again, the subsidized Stafford Loan is based on need, while the unsubsidized Stafford Loan is not.

Most Stafford Loans interest rates range from 4% to 6% depending on what year the student took out the loan. As an example loans taken in 2009/2010 were fixed at 5.6 percent while loans this year are expected to be 4.5%. For the subsidized Stafford the government pays all that interest during your education plus the 9 months discussed above. Additionally, students receiving subsidized loans must be minimally enrolled as a half time college student to remain eligible for the funding.

Those that did not qualify for subsidized loans AND those that needed more money would move on to unsubsidized Stafford Loans. Neither subsidized nor unsubsidized loans obtained through financial aid require a credit check, no collateral was needed, what was most important is that you were somehow able to fill out the very complicated Free Application for Federal Student Aid, more commonly referred to as the FAFSA.

The FAFSA is know for being long and complicated, but the good news is that if you happened to fill this out and you werent in terrible financial shape at the time you probably have a mix of subsidized and unsubsidized loans or all of your loans are unsubsidized.

That should provide you with a basic understanding of the difference and borrowing guidelines between subsidized and unsubsidized student loans. However, for those of you who wish to know a little more about the “education maze” please visit us at www.credit911online.com/blog

Scholarship Applications – The Good, the Bad and the Ugly

So after four years of busting your butt, staying up late, cramming tons and tons of information you have found out that the hard work you put in has finally paid off. You have tons of college offers pouring through your mailbox and now you wonder what’s next. Like millions of soon to be college students out there you can go ahead and sign up for the numerous private loans available for school and get yourself into thousands of dollars in debt before you even pick up your first college book or you can go the alternative path and sign up for as many scholarships that you can qualify for. Signing up for a school loan is relatively easy and the majority of application process depends on your credit score. Thankfully the scholarships application process works in a much more different fashion.

There are a majority of scholarships applications out there that are based on merit. Meaning your previous grades in high school, your athletic achievements, academic achievements. And in some cases you can qualify for a scholarship based on your ethnicity and family background. I’ll have to admit that some of qualifications you have to go through during the scholarships application process can be very difficult.

But not all scholarships are equal. The amount of free money you can receive from the scholarships can range from $100-$10,000 and in some cases it can be even more than that. Thankfully there are some scholarships out there that hand out upwards of $10,000 and the qualification is based on your ethnicity. You can thank your relatives and grandparents for giving you that edge.

Get a head start on other college students whether you are a mother going back to school after some time or you are a current college student by checking out this free and easy scholarships application at

Top Universities in Australia

Australian Universities are famous in the world through quality education, world class educational infrastructure, and very affordable tuition fee. We all know that Australia is one of the top English speaking destinations for Global students. They attract overseas students because of the very affordable price of tuition fee and the popularity of high quality education of every university in Australia. Every Australian universities have the different image in promoting their world class educational facilities and instructional method. They assure also every international students that enroll to their school is protected through the education services they’ve render. Its sounds a safe environment to live and study. And forecast the standard way of living.

Universities in Australia are well known already all over the world. It was globally recognized as the low cost of tuition fee with a world class standard of Educational system. Here are some of the top Universities in Australia that known for their different identity but have a one performance which having a quality education. Adelaide University is known for one of the research-intensive university. Queensland University of Technology is a top Australian university with global connections and reputation for quality undergraduate and postgraduate courses. It has the wide range of studies and applied research best suited to the needs of industry and the community. Queensland Institute of Business and Technology are guarantee the highest standards of teaching which maintained at all times as the part of their programs that delivered by university lecturers and moderated by Griffith University. James Cook University is the Australia’s leading tropical research university. University of Melbourne is a public-spirited institution that makes distinctive contributions to society in research, teaching and knowledge transfer. University of Sydney is the first university in Australia and has the international reputation for outstanding teaching, as a centre of research excellence and as an active and engaged community leader. University of Queensland is one of Australia’s premier learning and research institutions. It is the oldest university in Queensland and has produced generations of graduates who have gone onto become leaders in all areas of society and industry. Victoria University is a university where students really enjoy the opportunity to achieve their goals while developing a desire for lifelong learning.

These are the top universities in Australia that awaits every individual to study and experience the quality education of every university in Australia.

Sms From A Teacher Changes A Person!

In Shan Dong province, a secondary school lady teachers hand phone and a few thousands dollars was robbed by a motorcyclist. After she was being robbed, she sends 21 touching SMS to her hand phone and finally touches the robbers conscience. The robber returned the things that he robbed from her with an apologies letter.

According to the Qi Lu Evening Newspaper, the Secondary School Language lady teacher Pan Aiying was being robbed on Last Friday morning. When she came out from the a local Savings Bank after withdrawing some money and ride on her bicycle to head for home. Suddenly a young man with dark sunglasses riding on a motorcycle appeared from behind and snatched the cloth bag that is hanging on her bicycle handle and went off at high speed. The cloth bag contains 4900 rmb, a hand phone, a pay card and a id.

Initially she intend to report to police but she changed her mind with the intention to contact the robber and to see whether she educate him to be good again. When she reached her school, she borrowed her colleagues hand phone to call her hand phone. After a few ringing on her own hand phone, the robber hanged up the phone. She got no choice but to SMS him. Young man, I am a secondary teacher Pan Aiying teacher, I think today you need money urgently thats why you took away my bag. IF that is the case, I wont blame you. After this SMS was send, still no reply from the robber.

If you need the money urgently, you can keep the 4900 rmb to solve your problem. Please find a way to return the remaining things to me. You are still young. Doing one wrong deed is not terrible. But if you know that it is wrong and do not amend it then it is terrible. Now if you can amend it, it is worth more than any amount of money.

On that night, she continues to send SMS to him and try very hard to educate him. She sends a total of 21 SMS but did not receive any reply. She is very disappointed and intended to report to police the next day. The early next day, while she is leaving her house, she kicked something at her back yard; she picked it up and found that it was the bag that was robbed. She checked the bag and found that all the items were intact and there was an extra item; a letter from the robber. The letter stated: Respectful teacher Pan, I am sorry, I was wrong, please forgave me. I robbed your bag, but you are lenient to me, you educated me through SMS teaching me humanity. I will change and be a good person.

From this incident, we learn that man can revert from bad to good if we are able to touch him.

International Student Loans – Customized Particularly For Learners

There are a lot of student who find it very complex to finance their educational needs. They look out for a source of cash in such circumstances. Here you can opt for international student loans. They are customized particularly for learners.

To make an application for this service through the online mode, you are just required to fill up the relevance form with the details which are necessary. Then after your supplication is approved, the sum is transferred into your checking bank account.

International student loans are advantageous both for tenants and homeowners. They help student to avail cash for meeting your education-related cost. The learner has to repay the sum after he/she gets a proper job. You can make an application for this service through the online mode also.

These finances are in the secured and in the unsecured form. The secured form requires you to give a security and this security can be car, jewelry, stock papers, etc. this form will assist you in availing cash ranging from 500 to 100000 and the settlement time from 1 to 25 years. In the unsecured form, you do not have to give any security. They are beneficial for tenants and homeowners. You can obtain cash stretching from 1000 to 25000 and should be reimbursed within 1 to 25 years.

You have to meet the eligibility criteria for acquiring this finance. These criteria are that you should be a UK citizen over 18 having a checking bank account.

There are many needs which can be fulfilled with the assistance of this service. These needs can be for covering travelling expenses, for buying books, for paying tuition fees, miscellaneous fees, and so on.

Scott Wilson is an expert loan advisor at Students Loan. He is an expert in providing information about loans. To find International student loans, student loans for higher education and student loans visit

Enhance Your Career With Microsoft Certified Courses

For an effective and bright career in the software industry, all you need is a certification from one of the most prominent names in the IT industry, which is Microsoft. It may sound too simple, and it is! All you really need is to make sure that you have been trained under the spectrum that is provided and certified by Microsoft. CMS Institute offers some of the most popular and enhanced Microsoft certified courses in India.

The main reason why someone looking for a career in the IT industry should go for a Microsoft certified course is because these courses are designed by professionals authorized by Microsoft, and they understand the changing trends and requirements of the IT industry. All the courses are extremely professional, and meant to enhance the capabilities the students undertaking these certified courses.

CMS Institute offers Microsoft certified courses in Mumbai that can be opted for by students who are a graduate in any field. For students looking for a career change, these Microsoft certified professional courses could be the solution to their dilemma. Whether you are looking for a career within India, or anywhere else in the world, Microsoft certified courses will open endless possibilities for you, no matter where you wish to be.

At times there are people who have undertaken Microsoft certification courses in the past, and now these certifications are to be put to rest, or in more commonly knows terms, they are to be -retired’. In such cases, you will need to upgrade yourself, and at CMS Institute you have the opportunity to do just that. You can look up the courses that are offered by CMS Institute and select the one that suits your skills the best.

All the Microsoft certified courses that are offered by CMS Institute are conducted keeping with the standards set by Microsoft, and so you can rest assured of the quality of training that you will receive when undertaking any of these courses.

Whether you are looking to dip into the IT industry as a novice, or you are a professional looking for certificate courses that could add to your already impressive resume, CMS Institute has the most to offer in both these cases. Beginners and professionals alike can find their field of specialty through CMS Institute and boost your career in local as well as international markets!

Pros Of Homeschooling

More freedom for you and your child

Are you tired getting frustrated forcing your child to wake up early in the morning, preparing for his lunch etc? Bringing him to school or picking him up? How about his home works? Ah! All these things controls your child’s everyday routine. Time, school obligation, responsibilities and requirements are exactly what deprive your child’s freedom. You child needs quality time to rest and sleep.

Your child will be free from the pressure of drugs or any crime in school

We heard of many stories about bullying, drugs, teenage pregnancy, abuse, smoking and alcohol in school. Homeschooling your child means his own safety from all those possible harms he will encounter if you send him to school

Shape your child the way you want and develop his skill

From the very beginning of your child’s life on earth, you knew him. You know his talents, skills and gifts. Would it not be easier for you to develop him and train him to reach his full potential? How about good qualities, you want your child to be responsible, honest, patient, kind and lovable? If you choose to homeschool your child, it will be all in the power of your hand to shape him. No one will twist it.

Your relationship will be built

You may know your child’s abilities but not his heart conditions. As your child continues to grow, there are many good and bad things emerging from his young heart. As you keep moulding him for his own good, your love and care for him will grow too. As he feels your love and concern, he will learn to love you in return. Your relationship is being built. The more time you spend together, the closer you will be with each other. Truly homeschooling is just a perfect option if you like that the relationship between and you and your child to be built.

Cost you just a fraction

Calculating the amount you will spend if you send your child to school will be thousands of dollars, but homeschooling your child will just cost you just a fraction. These are some of the pros of homeschooling. Of course there are pros of public school too. But we choose homeschooling because we agree the benefits we discussed.

How To Write An Effective Scholarship Essay Introduction

Writers in general, struggle with how to compose the introduction to a book or story. They know that if the introduction is drab and non-stimulating, the reader is apt to put it down, never to glance at the second paragraph. If the introduction is engaging and interesting, the reader will want to read further to see what happens or how it ends. Scholarship essays are no different and should be of the highest caliber and they should be written in way that move your readers. The opening of any scholarship essay is the introduction. The introduction can be composed in several styles but it should be very stimulating and replete of information about the topic of the essay. Three types of introductions are: 1) A general/overall statement: This type of opening gives a larger view before bringing the reader to the detail. By expanding the scope of the subject the author is able to move the reader. But the induction should be materially correct and closely aligned to the topic. Furthermore it should be associated with the angle of the subject. 2) A quote involving the subject: This type of presentation assists the readers to engage but if the quotation is digressive then the opening appears to be forced. Every now and then, one has the temptation to bring about a quotation for its own sake; this is a pointless show of learning. When employing a quotation, be sure to use a quotation that is provoking and states something substantial. The scholarship essay that follows should explain the meaning of the quotation or the resolve for using it in your essay. Your essay must build upon the quotation so that readers will want to read further to find out what you have to say. 3) An anecdote or allegory: Begin by telling a brief story. Many writers begin their introductions with an anecdote or a short story that catches the reader’s attention. Make certain the anecdote or short story brings out distinctly the story that comes after it. If the short story gets too long the content is lost sight of. More over anecdote should be interesting and sensational. The second component of writing a scholarship essay is the main body of the paper. The main body of the paper will discuss in particular all the substantive matters of the paper. The last part of the essay is the conclusion, and here the writer will sum up the complete findings of the paper before finally closing the paper. Make sure that with any of the methods you use to introduce your essay, you conclude the introductory paragraph with a solid, well-developed, and thoughtful thesis statement. The language of the essay should be plain and it should be composed in an effective and interesting manner.

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Home Schooling Methods

Moms who are home makers will have ample time at home after completing the regular or routine household chores. Parents can be the best teachers for their kids as they know what is best for their children. Home schooling becomes easy when parents know what their children are interested in and the kind of skills or abilities they possess. It’s easy for kids to explore their talents at an early stage and spend more time on developing their skills. Parents can motivate their kids to excel in academics as well as other areas such as music, arts, sports, cooking, painting, stitching and so on. There are no hard-core rules to be followed like that of a private or public school.

Various Home schooling methodshave been successful in the past and the same can be applied in today’s way of teaching children at home. Earlier, children had access only to textbooks and notebooks as learning cum reference materials whereas in the modern era, with the simplification of technology, children can learn with the help of computers. The internet is like an ocean full of information which is open to anyone from any part of the world. A variety of resources on homeschooling are available. Even curriculum is available which can be customized by parents for their kids. Online tests can be taken thus minimizing paperwork. Parents can also save lot of time due to this.

To make Home schooling fruitful, parents can use any of the traditional or modern Home schooling methods such as Charlotte Mason method, note book homeschooling, Unit studies, Unschooling, classical education method, Eclectic home school method, literature based method and much more. Charlotte Mason method is a traditional one which focuses more on living books rather than dry, factual books. This method of Home schooling would instill love for learning. The classical method deals with three phases which denote grammar, logic and rhetoric. The main emphasis is on memorization of information and applying logic. In unit studies method, parents make their children concentrate on a single topic at a time, which deals with various subjects.

The Unschooling Home schooling method is all about studying in a relaxed manner when the child is self-motivated to study. The child learns in a practical way from his daily experiences rather than having to stick to the traditional learning methods. In notebook Home schooling methods, the child documents or records whatever information he or she has learnt. The main focus in this method is learning based on one’s interest. Eclectic method is where parents apply a variety of methods instead of following a single method or philosophy for teaching their children. The most popular and oldest of all methods is literature based method. The main focus is on literature based topics and it is more or less similar to the Charlotte Mason Home schooling method when it comes to usage of books.

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.