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.

Benefits Of Homeschooling

A wise man once said, “We can teach our children to have courage, faith, and endurance and show them how to learn, and they can teach us to laugh, to sing, and to love.” In other words, each family member has valuable lessons to teach the family.

When a family homeschools, this reciprocal relationship is magnified. Homeschooling participants are affected by more than just the person who sit at the homeschool table. All generations create and reinforce the bond between family members. Home schooling families spend their time laughing, learning, playing and living with each other 24/7.

You can choose the best curriculum to promote an intrinsic love of lifelong learning. The homeschool curriculum is flexible. The parameters are determined by the best teachers available, the parents, who know and love their children.

Learning never stops in the homeschool environment. The parents are not just lecturers or observers. They are active participants who expand, explain and encourage their children to be inquisitive and explore the specific areas that interest them without the constraints of arbitrary rules set up by an outside source.

Another benefit to homeschooling is that the parents model and reinforce valuable behavior and deemphasize undesirable behavior in a natural manner.

Historically several generations lived in the same home. Everyone benefited from this multi-generational living arrangement, coming away with valuable lessons that cannot be taught in a book. Plus most of the time there was the added advantage of the multi-grade/level schoolhouse for the formal education.

Presently we often put the older generation in nursing homes when they get too bothersome (only to visit them on holidays), and we settle for a failing public school system that has been tasked with being everything to everyone but alienates most participants.

Homeschooling is the best of both worlds. It’s good for both the family and for your children’s education.

The benefits of home schooling are limitless. As a parent who homeschooled three children, I feel that homeschooling is the greatest gift a parent can give their child. Try it. Youll like it!

Looking For A Violin Teacher Here Are Some Pointers

If you are reading this article, congratulations on your decision to pick up the skill of playing the violin. Alternatively, you may be in the process of looking for a suitable violin teacher for your child. In either case, you will need to be aware of the following points:

1.A good violin teacher doubles up as a good mentor

Yes it is true. A good violin teacher is not only a skilled violin player, he or she must be passionate about educating his or her student. If you find a responsible violin teacher, this will all the more accelerate your learning progress. You will find that the process of picking up the skill of playing the violin is smoother.

2.Look for a qualified violin teacher

A qualified violin teacher imparts the right technique to a new student. He or she will teach the student the correct posture when playing the violin, how to hold the violin bow and correct bowing techniques. Learning the violin is very much like picking up any other skills such as swimming. If during the learning stage, you pick up the wrong techniques, it will be difficult to correct the techniques later.

3.Location of the violin lesson

You will also need to consider if you require the violin teacher to travel to your home to teach you or your child, or if you prefer to have the lessons in a studio. A studio would be a better choice as it is sound proof and will not disturb neighbours.

Some teachers prefer to be based in a school or studio, so they save travelling time and can handle more students. There is also the option of taking up group classes in a school or studio.

4.Budget

Finally, you will need to decide on a budget for engaging your violin teacher. Very experienced and qualified violin teachers may command a rate of $100 per hour while those who are just starting out may start at a rate of $50 per hour.

5.Track record of the teacher

If possible, find out the track record of the teacher. Does he or she have a high percentage rate of students who pass the ABRSM exams with merit or distinction? These results tell a lot on the capability of the teacher.

Also, check if the teachers existing pool of students have been with him or her for many years. If the answer is yes, then you have very likely found the perfect violin teacher for you or your child.

Retired Military Dependent Scholarships

Are you currently a dependent of a retired military member? And if so then you are in luck today. The biggest issue that a lot of in your own situation face is how to pay for their expensive school charges.

School fees are beginning to have increasingly higher and higher each and every single year. You ought not be forced to pay so much for something that you could get for much less. This is where the retired military dependent scholarships award comes in.

The retired military dependent scholarships award is a $10,000 award that could be used for things such as daycare expenses, rent, books, tuition fees and much more. The retired military dependent scholarships is practically free money that could be used for just about anything you need without getting to pay a single dime back. It is much better to take advantage of something like this instead of taking out expensive school loans.

School loans can often take you anywhere from 15 to 50 years to fully pay them back. You don’t would like to be stuck with this large amount of debt for so long.

Then again if you can qualify for the military dependent scholarships you should be excellent to go. In order to qualify you need to meet two imperative needs.

1. you have to be at least 18 years of age and older.

2. You have to be the dependent or spouse of an active or non-active military member.

After fulfilling these two requirements you must be excellent to go. All there is simply left to do is to go to online pages that offers this scholarship award and fill out the simple information required so that you could have the very best chance at winning this free money that you deserve for school.

To get Retired Military Dependent Scholarships just click here: Retired Military Dependent Scholarships

FREE COURSES ON RENEWABLE ENERGY

THE GALILEO PROJECT – The European Energy Centre (EEC) has won European funding to train individuals and professionals in renewable energy, allowing them to gain the Galileo Master Certificate. The courses are open to the general public, individuals and companies from all backgrounds. Taught by renowned university lecturers and leading experts with both practical and theoretical expertise, the courses have been running at major universities around the UK and Europe for the past 36 years.

The acknowledged quality of the respected Galileo Master Certificate (GMC) has been fundamental in securing the European funding from numerous organisations; including collaborations with universities and Centro Studi Galileo. The GMC has been recognised as a highly effective way in which to provide individuals with those skills for which the renewable energy industry is showing high demand.

The purpose of the funding is to develop expertise in renewable energy. As part of the funding, participants attending one of the expert Pathways (which include a minimum of 3 courses) will receive all their training for free – as part of the Galileo Project to help develop the renewable energy workforce. Alternatively, prospective participants who wish to attend just one course at Edinburgh Napier University will receive a 50% discount per course.

Major contacts with leading institutions allow the EEC to provide cutting edge renewable energy training programmes, a fact which was central to EEC winning the funding which has made these opportunities possible. Courses leading to the Galileo Master Certificate are renowned for creating quality professionals in renewable energy, and the Galileo Master Certificate is one of the foremost internationally recognised certificates for the renewable energy sector.

Working with the United Nations Environment Programme, the EEC has access to leading researchers, lecturers and universities throughout the UK and worldwide. The EEC’s ties give participants the opportunity to be taught by professors and lecturers at prestigious universities including: Imperial College London, Nottingham University, Coventry University, Heriot-Watt University, Edinburgh Napier University and many more. As each course is in high demand, the EEC requires applicants to make a deposit when registering. On completion of the pathway, which includes attendance at the three courses highlighted below, the deposit is refunded to the participant.

The EEC are global leaders in renewable energy training and run a series of classroom based renewable energy training courses as well as extending their range of renewable energy distance learning courses

Should College Students Do Part Time Jobs

Nowadays, getting into a university means a student has already taken a step into the society where they have to confront many choices. Whether they should do part time jobs is among them. The choices vary from one student to another: some students think that it may affect their studies since doing part time jobs will cost them a lot of time and energy and some of them may get cheated in finding the jobs. However I firmly believe that college students should do part time jobs and it will bring them more than they can imagine.
Firstly, being a college student, to some extent, just means being a freshman in this society. College students not only have to learn the knowledge in school, but also have to gradually adapt themselves into the society. That is, apart from attending classes, they need to practice themselves enough to see the true fact of their society a society full of competition. In this way, taking part time jobs becomes an invisible task for college students which they can choose to practice themselves and get some working experience. Only in this way can they better get involved into the society.
Secondly, to most of the college students, a majority of their free time is wasted in endless and meaningless chatting. Whats worse, some students even put all their free time in computer games. To be honest, we cannot expect college life to be full of excitement every moment. But instead of wasting time doing some meaningless things, doing part time jobs obviously becomes a much better choice not only because it can fully use their free time, but also it can broaden the social communication circle which is of great importance for future development.
Last but not least, as we all know, the expense in the university is just like a bottomless pit. Most parents have to work day and night to support their kids. Whats more, in order to make their children live better in the university, some parents from the countryside even sell their fields. Thus, as college students, they should make full use of our free time to earn some money to share their parents burden. Meanwhile, through doing part time jobs, they can practice their spirit of hardworking and persistence.
All in all, by doing part time jobs, college students can get the precious working experience and broad their social communication circle which can flat their future road. At the same time, it can comfort their parents heart because these students become mature in their parents mind. Therefore, doing part time jobs is a good choice for college students, and they should give it a try.

Finding The Right Music Teacher

If you have done the prerequisite research I mentioned then this should not be an issue. However, guitar playing is such a personal undertaking that finding the right teacher is relative to each student. What works for one, clearly does not always work for another.

Your teacher should care about you and take an interest in seeing you advance as a player. If this were not the case, I think this would be the biggest red flag to me if I was taking lessons all over again. I would want to know that there was some nurturing involved. If you feel that there really is no connection between the two of you then I think this might be a factor you can use to determine whether you move on or not.

It’s tricky. As a student you want the best teacher for you, but you may not know, if there is no barometer to show you.

I also think that many times the student is to blame for being a lousy student. I remember when I used to give private lessons. A few students would come back week after week and had done no practice at all. I found myself explaining the same things over and over and of course we couldn’t move on until the essential groundwork was covered. These students eventually gave up because they had no drive or ambition to improve. This can be very frustrating to the teacher. Other times extremely talented players would come for just a few lessons because all they needed was a little fuel to go off on their own and practice. They were literally sponges. These students are heaven for teachers!

So do the research, then take a lesson or two and see if that teacher is right for you. If you are serious about working at your instrument then you shouldn’t be to blame for being a bad student. At that time it’s simply a matter of finding the right person. Don’t short change yourself.

Panchgani Schools The Face Of Indias Boarding School Education

For a long time now, Panchgani has ranked at the top when it comes to listing the places that have the best boarding schools in India. When it comes to the list of top residential schools in India, Panchgani has not one or two but several names that make it in. Panchgani schools are famous for the open, relaxing and disciplined learning facilities that they provide to their students. Most students here prosper under the disciplined and structured schooling provided here and studies have shown it to have a positive effect on their learning abilities.
Here is a list of some of the premiere Panchgani boarding schools:
1-ANJUMAN-E-ISLAM- Panchgani Dist Satara, India
Tel No :40315
2-ANJUMAN-E-ISLAM (S. S. C)- Panchgani Dist Satara, India
Tel No :40249
3- ARAM VIDYALAYA- Panchgani Dist Satara, India
Tel No :40492
4- BATHE S M- Panchgani Dist Satara, India
Tel No :40205
5- BILLIMORIA HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No :40314 / 40910
6- BHARATI VIDYAPEETH ACADEMY- Panchgani Dist Satara, India
Tel No :40582-40583
7- CAMBRIDGE HIGH SCHOOL- Panchgani Dist Satara, India
Tel No :40519
8- CODESH- Panchgani Dist Satara, India, Tel No :40668
9- DAWN ACADEMY- Panchgani Dist Satara, India
Tel No :40390-40412 .
10-MARATHAVADA GURUKUL HOSTEL- Panchgani Dist Satara, India
Tel No :40010
11-GODEVLI EDUCATION SOCIETY- Panchgani Dist Satara, India
Tel No :40224
12-HAPPY HOURS- Panchgani Dist Satara, India
Tel No :40386/40086
13-HILL RANGE- Panchgani Dist Satara, India 40302-Tel No :40332
14-KIMMINS HIGH SCHOOL- Dist Satara Panchgani, India.
Tel No :40324
15-MAHATMA LAXMANDAS- Panchgani Dist Satara, India
Tel No :40591
16-MAHATMA PHULE VIDYAMANDIR- Panchgani Dist Satara, India
Tel No :40377
17-MAHATMA PHULE VIDYA JR. COLLEGE- Panchgani Dist Satara, India
Tel No :40677
18-NEW ERA HIGH SCHOOL- Dist Satara, India.
Tel No :40246
19-OAKS HIGH SCHOOL- Panchgani Dist Satara, India.
Tel No : 40395
20-PINEWOODS HIGH SCHOOL-Panchgani Dist Satara, India.
Tel No : 40900-40901-40902-40290- 40570-40590-40903-40904-40905
21-SANJEEVAN VIDYALAYA- Panchgani Dist Satara, India
Tel No :40307-40308

22-SCHOLERS FOUNDATION- Panchgani Dist Satara, India
Tel No :40399
23-SHALOM INTERNATIONAL-
Panchgani Dist Satara India.
Tel No :40201
24-SILVER DALE HIGH SCHOOL- Dist-Satara Panchgani, India.
Tel No :40638

There are constant comings and goings of visitors here, either to inquire about the schools here, or to visit already enrolled children. The Ravine Hotel in Panchgani recognizes this as a splendid opportunity to serve such visiting parents. The Ravine Hotel provides several booking concessions and discounts to parents that come here to visit their children. These deals are even available for parents that have come to check out the schools are parents that wish to enjoy some quality time with their wards studying here.

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
Website:

Student’s Help With Wacky Scholarships

Everyone is aware of the soaring education cost. Students always try to get scholarships to pay for their education. When applying for scholarships there is always certain qualifying criterion. But there are many unorthodox ways of getting scholarships inclusive of your interests and your physical features. Sounds weird! That is what strange scholarships are!
Not many students are aware of wacky scholarships. So thousands of $$ are wasted each year in this scholarships simply because no one has applied for it. They are scholarships given to students who have odd or unique personalities or hobbies. They may sound strange to others and hence they are wacky scholarships.
Don’t worry being a left hander is not the only thing which can get you such an curious/wacky scholarships. There are many other strange things which if you do or exhibit will get you a good amount in scholarships. Take a look at some of the common traits found in people which can get them scholarships.
The most common ones are for the tall giants and the shorties. The Tall clubs International awards the scholarship of $1000. You need to be taller than 6’2″ if male and over 5’8″ if female. Then for the shorties the Billy Barty Foundation and The Little People of America offers scholarships to students. IF you are less than 4’10” then you do qualify.
Do people call you Fatty? You surely don’t like being one! Everything is bad about being fat. Not when you are applying for scholarship. The National association to Advance fat Acceptance gives 2 merit based scholarships to NAAF members. Who thought being fat well be helpful? Weird Huh!
If this has boggled your mind, wait till you hear about this one. If you are a diehard star trek fan then you probably have collected the memoirs. All you need to do is just bring that. The Klingon Language institute offers $500 Kor memorial scholarship to one person simply to promote the language. and interestingly enough, prior knowledge of Klingon Language is not even required.
The list of uncommon characteristics is large, so are the number of scholarships awarded on these traits. Unimaginable scholarships pop up every day on websites. Take a look at strange scholarships and decide for yourself. A small effort and consistent follow up can go a long way in earning you your special scholarship. Aggressively pursue these opportunities which so many people ignore or choose to let go just because they are awkward. Who knows you might end up with financing your college education for free.
James Scholaris