Before You Take Out Student Loans Read This

College is expensive and finding the funds to get you through the first four years can be exceptionally challenging. But before you take out student loans read this.

First of all, not all banking institutions and loan providers are on the up and up. Many will tell you what they think you need to hear in order to guarantee that you choose their products over the competitors. Research these entities with as much thoroughness as you would a scholarship opportunity.

Given the rollercoaster ride our economy is on, many banks are closing or selling their branches. Terence McCarthy St. Pete announced just such a situation with First Bank. Be sure the banking entity you are considering has some firm and documented longevity behind it. But there’s more to choosing a loan provider and hopefully the following piece will help you make an informed decision.

Before You Take Out Student Loans Read This

Essential Information About Student Loans

While the job market might look promising for those who are current graduates, walking out of college with tons of debt is certainly not ideal. Since the average debt for today’s graduates is nearing $40,000 students looking to enter college need this essential information about student loans:

  • Save money with direct debit. Making automatic student loan payments will make the process convenient. And, over time, you’ll save about .25% interest off the rate you are offered.
  • Consolidation makes life easier. When you bundle those hefty payments into one loan it’s easier to manage making them. Plus, you could be able to lock in at a lower interest rate than what your initial loans provide. And, there are a number of repayment options, some of which are based on income.
  • Loan forgiveness could be included in your job. Those students who are seeking to enter the field of public service can see their loans wiped clean after 10 years of on time payments and continued employ in that field. It’s a great reason to become a teacher or work for a non-profit organization. Learn more.
  • Payments don’t have to start the day you walk across the stage. There’s a six-month grace period before you have to start paying the loans back. And, there are other loans that offer even larger repayment gaps.
  • Get a tax break. While having to pay back student loans isn’t the ideal situation, it is a reality. At least there is the potential to deduct the interest you pay on these loans from your income taxes.
  • Going into default is a bad idea. Default means that you fail to pay your loans back. And, it comes with some very serious consequences which can include wage and tax refund garnishment. Add to that the fact that companies will sell your unpaid loans and you’ll rack in the exorbitant interest rates these servicers tack on to your already unmanageable debt.
  • There are options if you can’t pay. Federal student loans offer a variety of payment options should you discover that you are unable to pay them. Job loss could qualify you for forbearance, which will temporarily halt the payment requirement until you can find another job. The interest will continue to accrue but at least you won’t be in default.
  • Private loans and federal loans are very different. Private loans are a lot more stringent and are not eligible for the public service loan forgiveness program we mentioned earlier. Click this to better understand the differences.

We know that you might need to take out student loans to afford college. But, don’t do it until you are certain you grasp all the ramifications listed here. If you need more advice, this is a great resource.

5 Reasons to Get a Credit Overview before You Apply for Studies

Pursuing a formal education isn’t easy or cheap.  The cost of a good education is the major drive force behind the popularity of scholarships because it gives businesses a chance to contractually bind employees in exchange for studies and it gives students a means of getting educated for free.  The popularity and demand for scholarships makes it incredibly hard for even the best of students to actually get a scholarship.  Only the best of the best with the highest likelihood of success are chosen for these sought after prizes.  

 

A bad credit record is the last thing you want standing in your way of getting a scholarship.  And yes, a credit check is done on applicants because your credit record gives institutions a lot of information on your personality and commitment style. 

 

Getting a credit overview is a fantastic idea for all scholarship applicants and especially for students that are applying for a student loan.   

 

What exactly is a credit overview? 

During a credit overview your credit record will be examined by a professional credit consultant.  The consultant will be able to determine any bad credit that might be related to your name and will advise you on the best methods for removing bad credit so you can boost your chances of landing a scholarship or study loan. Click here to read the review on a terrific credit company.  

 

5 Reasons to do a credit review before you apply  

It can be so easy to overlook an outstanding account if you are young, wild at heart and if you have a lot of obligations to tend to.  Here are the top five reasons why every young student should get a credit overview before they plunge into their applications;  

 

  1. Improve your credit score 

Credit consultants can improve your general credit score which is essential for students that rely on a student loan for future studies.  

 

  1. Get bad credit reports removed from your credit record 

Bad credit like late payments, outstanding medical bills, bankruptcies, foreclosure and even bad credit linked to your name through your parents can be devastating to your future if you are in bad need of a scholarship or student loan.  Credit experts can have credit reports removed from your name so you can start off with a clean slate.  

 

  1. Terrific advice from experts 

Naturally these credit experts will be able to provide you with the best possible information regarding your current credit record and you will get the best advice on building a good credit record.  

 

  1. Build a good credit reputation right from the start 

With a good credit record right from the start nothing will stand in your way of success.  You will boost the chances of getting any loan or contract.  

 

  1. Overcome credit fears 

A lot of students are absolutely petrified of credit but credit can be a good thing.  In fact, most entrepreneurs rely on a good credit record to make a huge success of their lives.  When you get a credit overview you will learn all of the benefits to building a good credit record for personal and business purposes.  

Mistakes That New Grads Should Not Make

You might be a new graduate but cannot seem to find a job. This year, things have been looking up for new graduates, and so this means that you just haven’t found the right fit yet, or there is something that you’re doing wrong. In this article, we are going to try and figure out what you could be doing wrong in your job search. This is especially so if you’ve sent out dozens of CV’s but not one of them has had a response.

Looking only online

There are many websites where people can look for jobs, and actually get very good jobs, and this include LinkedIn, CareerBuilder and many more. The problem might be that you’re restricting your search for work to job search sites. What you should know is that up to 80% of available jobs are never listed. This means that you need to broaden your search by checking into career centers of your college. Start networking by meeting up with professional mixers that can present the opportunity to meet with new contacts. Something like a college alumni get together could really help, since you would all have something in common.

travel industry

Limiting your options

Your college major should not limit your horizons. Just because you took a major in a certain course, doesn’t mean that you’ll necessarily get a job in that particular field.

Giving yourself a bad reputation

Nowadays, our social media pages say a lot about us, and employers usually check them out. You wouldn’t want the potential employers to find pictures of half-dressed images, make them clean and professional. Not even privacy settings will save you.

Sending the same resume to every hiring manager

You need to customize every resume and application letter to suit the different jobs you’re applying for. One simple trick here, lies in the keywords. Another tip, don’t leave those job applications for the end of the day when you’re tired and can barely think. Also, don’t multitask while applying because you might confuse one little detail.

5. Not knowing what you’re worth

Even if you’re fresh out of college and just starting out, you don’t want to be underpaid. You can try out a PayScale Salary Survey to get an idea of what you’ll be earning. That makes it easier for you to negotiate.

Luis Namnum of Occidental Vacation Club, Reviews Hiring for Service

We are going to look at the sort of things that Luis Namnum, the person in charge of hiring staff for the Occidental Vacation Club looks for when he is hiring. This should be able to give you an idea of what to look out for the next time that you go looking for a job. Luis has vast experience in the leisure and travel industry, having worked with some of the largest companies in the industry before moving to Occidental Vacation Club. Here is what he had to say, “I actively participate in the hiring of upper level management, primarily Area Directors or Vice Presidents.” Occidental Vacation Club place a lot of importance on customer service, and that is one of the reasons for their success. There is also the need for the candidates to show that they can work as team players, because this is the only way that all the different departments can succeed for a common goal.

When it comes to hard fast rules, here is part of what Luis had to say, “I try to look for certain values: hard work, honesty and fairness as well as a personality type that is comfortable working with a diverse, multicultural, multilingual and geographically remote staff.”

The best interview question that Luis asks is, “Based on what I have explained about the job is and what you have read about our company, how much should you make?” this question usually throws the candidates into confusion as regards their self-value and the understanding of the jobs value. That should not scare you, though, because Luis loves humorous interviews too, and his success is attributed to happiness.

Conclusion

New grads should look out of the box if they can’t seem to find jobs, and especially is they are full time, well-paying jobs. Getting into companies like the Occidental Vacation Club could be almost impossible if they are not well prepared. At least have an idea of what the company expects when sending out your resume.

How to Cope with Mental Stress in High School

Moving to high school brings a lot of stress and apprehension in a student’s life. The new environment, a new place to adjust, more score demands from parents, the burden of study, expectations of teachers, et cetera are few of the things that upsurge the mental stress.

Mental stress is prevalent, and if it is not controlled timely, it might lead to severe depression. According to the studies, the percentage of depression among teen groups is higher than any other age group. Coping with the mental illness especially when you are in school is difficult since you feel all alone and uncomfortable in talking to someone.

How to Cope with Mental Stress in High School

For that reason, private school Perth is one of the finest high schools because it offers the best assistance to the students who are going through constant worry or stress. If you still feel awkward about talking your worry conditions, read further ways to overcome your anxiety or stress:

  • Avoid triggers:

Certain things trigger the stress. If you are aware of such conditions and things, you must try to avoid them. For example, some students feel more stressed out when the deadline for projects or assignments is approaching or you have to prepare for your exams in a short time, et cetera. In such case, first off, you should talk to your teachers/counselors to overcome this issue.

  • Manage social and school Life:

Due to the burden of studies, the students do not get enough time for social activities. Being surrounded by books and school lectures all the time kills your social life. You should start managing your activities. Make more friends in school so that you have someone to talk and you will not feel aloof.

Overworking can have a substantial burden on your mind. You must find time to relax. If you are working or studying for one of half day, then you must socialize during the other half of the day by spending it with your family, friends, hanging out, et cetera.

  • Spend time with yourself:

Nothing is more relaxing than spending time alone. It does not mean that you should start feeling lonely and keep your mind occupied with all negative thoughts. Instead, you should do something you love something like your hobby e.g. gardening, reading, watching movies, or walking in the park. These things give your mind a break from a tough routine and keep you mentally fresh and active. More positive you are less will be the mental stress.

  • Do Healthy Activities:

Exercise and physical activities are magnificent for your brain. Exercise is known to calm down the nerves and keep you fit and fresh. It can be tough for a student to join proper training classes or club. There can be other ways like you can accede to the sports team in your school or can set a time every evening to go to park and exercise.

  • Avoid excessive use of Social Media:

As much social media seems to be the latest technology and modern ways of socializing, it is the reason people especially teenagers are getting more depressed. Scrolling the laptops and phones all the time has made students so indulge in these that they have forgotten everything. Instead of spending time with each other; students spend all of their free time on social media which triggers negatives thoughts and feeling of being loneliness in youngsters.

Five Benefits to Choose A Foreign Place to Study

In the hustle and bustle of the modern world, finding a suitable job has become increasingly difficult. The job market is tight, and there aren’t many new exciting jobs for the youngsters that are ready to take on the world and make it a better place. There are various reasons behind this lack of new jobs. First and foremost is due to the quality of education in any given country. The employers do not seem to trust the educational institutes of their respective country and would rather, give preference to a foreign degree holder. Therefore, if you desire a good job as soon as you are done with your education, getting a degree from a foreign university is imperative. Alongside this, some other reasons why you should go ahead and make the decision of choosing a foreign place to study are as follows:

Five Benefits to Choose A Foreign Place to Study

  • Learn a new language:

Learning different languages is of the utmost importance if you like finding out how to blend in with new cultures and people. One major reason why most people avoid moving to a new place is the unfamiliarity with the language. They fear not being able to speak the language there. However, if you were to move to a new location where people spoke a different language, the chances are that you will end up learning it in due time as well. Employers these days have various projects operating in numerous areas. If your CV has many languages mentioned on it, there is a high chance that you will be favored when the time comes to shortlist.

  • Discover yourself:

While living with your parents and family members, your life is spent under a shadow. You do not know how to do things on your own. However, if you were to move to a different country, you will be given a chance to discover yourself as an individual. You will learn to rely on yourself and in the process find out about your strengths and weakness. In turn, you will learn how to get rid of those weaknesses and convert them into your positive points.

  • Get a new hobby:

When you move to a new place, you learn hobbies anew. Living alone can be exciting in the best ways, and you will find yourself doing things you had never expected to do in your lifetime. You could develop a love for music and end up making a fantastic album just like the Green Chimneys.  Green Chimneys is still considered as a cult album that got famous in the year 1984 by Kenny Barron. There is a great possibility that living alone will polish your skills so well that you will become famous as one of the best artists in the world. Therefore, make the decision of moving out to a new country alone, and you will soon realize how vital it is to stay away from your family and friends for some time to find your muse and pick up amazing hobbies.

  • Promotions await you:

No matter if you agree to it or not, the name of a foreign university on your CV is enough to get you promotions faster than ever. Your employer will trust your skills more than he would trust your contemporaries who have the same degree but from a local university. It is a sad truth, but true nonetheless.

  • Better communication skills:

When you move away from your country to a new place where you do not know anyone, you have to approach different people for different tasks; this helps you in improving your communication skills a lot. As a result, you start trusting your communication skills and learn to use them better than before. Automatically, you will change from being an introverted person to an outgoing extrovert whom people will surely come to love.

How You Can Save Money as a College Student

Being a college student is not merely hard because of all the things that you are doing. You already know that you have to balance school work, your actual work that will allow you to earn money and your personal life. There are moments when this would be hard to do. You may find yourself maximizing your credit card limit with no money to pay for the amount you have spent.

It is best if you would let Ovation Credit Repair to help you with fixing your credit. This is a task that you will find to do on your own. Do not waste time trying to research about what you should do when there are experts who can give you the assistance that you need. What you can focus on instead is how you are going to save more money so you will not max out your credit card limit again.

How You Can Save Money as a College Student

Here is some money saving tips that will help stretch out your funds:

  1. Stop yourself from eating out all the time.

You may always be tempted to go out and eat your favorite food from a nearby fast food restaurant especially if you do not have anything to cook in your apartment or in your dorm room. Eating out will cost a lot of money. You may not realize it in the beginning but you do spend a lot of money on food. Try to limit eating out. You may do it when you have something to celebrate. It will also make eating out more special.

  1. Stop your vices.

You should realize now that smoking, vaping and drinking can cost a lot of money. It may cost more if you are doing these entire all at the same time. If you would stop your vices, you will make your body and your wallet happy.

  1. Use different applications to communicate with your loved ones.

It is a good thing that there are applications available right now that will allow you to speak to your loved ones for free. A lot of times, you can even see them through video calling. If you would forego using applications and just call with the use of your smartphone, you can rack up phone bills you could have avoided.

  1. Do not use ATMs with surcharge.

If you are not too desperate to get some cash, you can look for an ATM that will give you the money that you need without the expensive surcharge fee. You may not think that $1 is a big deal but if you would be withdrawing money 10 times in a month, the surcharge would amount to $10 you could have spent elsewhere.

  1. Exercise on your own.

One of the reasons why college students do not have money is because they get unnecessary memberships. Going to the gym may be important to you but you know that you can always exercise on your own without the need for the expensive machines and the equally expensive gym membership.

Can you still think of other tips that you can share with the others so you and other college students will be able to save more money? Feel free to share your thoughts below.

Drama and Acting Scholarships for International Students

For many individuals, the glamourous life of an on-screen actor is a dream profession, yet one that is famously costly and hard to prepare for. There is no certain route in, and these days, courses run from the more hypothetical alternatives accessible from most colleges to the reasonable choices at specific drama schools. On the off chance that you are thinking about drama training, the cost may be a major consideration in your decision. Here are some acting scholarships offered by top schools for international students.

Yale School of Drama: New Haven, Connecticut, USA

Yale is a widely acclaimed institution, and the drama school has various different specialties. Courses include Acting, Theater Management and Dramaturgy and Dramatic Criticism, so students can go into depth in their favored course. The school has core values that incorporate “Assorted qualities” and offers monetary aid to all students on the premise of need. Presently 93% of students gets some type of money related help, however the school additionally gloats the least educational fees in the nation for the kind of courses they offer. There are some actors, like Stephen Collins, who have been able to make their way in the industry based on their awesome acting skills. He is, in fact, so talented that besides being an actor, he is also a writer, director and a musician. Whether you remember him for his awesome performance in 7th Heaven or his unforgettable appearance in Star Trek, there is no doubt in the fact that he has made his mark in the industry based on his amazing talent and skills.

Drama and Acting Scholarships for International Students

How to apply for aid: When applying for a course, international students must round out an online application through the college site by the due date (typically the February before enrolment.) Signed copies of income evidence and tax documents will then be asked for from the candidates and their parents, to be surveyed. Yale University is one of the best schools in the US.

The Royal Conservatoire of Scotland: Glasgow, UK

Alumni of the Royal Conservatoire include James McAvoy (X-Men: Days of Future Past) and David Tennant (Doctor Who) however around 20% of their present students originated from outside the UK. Any individual who tries out for a place at the Conservatoire will be considered for a scholarship consequently, and these will be granted to about 33% of students, in light of a blend of ability and budgetary need. For students from Canada, China, India and the USA, there is likewise Scotland’s Saltire Scholarship grant (SSS). This plan is intended to urge individuals to live, learn and work in Scotland, and gives 100 honors the nation over every time of £4,000.

How to apply for aid: For the Royal Conservatoire grant, you will be sent an application form right after you apply. For the Saltire Scholarship, you should have a conditional or unconditional offer to study at a Scottish college, and after that you can present an application form (accessible from their website).

Canadian College of Performing Arts (CCPA): Victoria, British Columbia, Canada

The CCPA concentrates on offering handy training combined with industry preparation (with an emphasis on the business in Canada.) The CCPA is upheld by the Canadian Heritage Arts Society, so all students may ask for an appropriation from paying the genuine per-student cost (as of now $3425 markdown every year for international students.) There are additionally bursaries and scholarships, which are offered as both need-based and merit-based. Students are likewise urged to search out their own financing, with direction offered at the careers department.

How to apply for aid: Application differs by bursary, however the need-based one should be applied for before starting, while the merit based will be accessible amid the course. Data will be given in the Financial Information Package when you apply.

How Students Can Balance Study, Work and Personal Life

Scoring a scholarship is a lot of hard-work. People seem to think that once you are able to score one and get into a good university, things will be easier from thereon. The truth is, it only gets tougher after that as students need to struggle to balance between their academic and social life. People frequently feel that university students have it simple, going to classes two or three times each week and investing whatever is left of their energy lazing around doing nothing. To be honest, this is a long way from reality for some students. Regardless of the possibility that you are in fact a ‘full-time study, it’s possible and probable that you’re consolidating study with various different duties. It can be pretty exhausting so here are a few tips to ease things for you:

How Students Can Balance Study, Work and Personal Life

Create a timetable

You’ll have been advised over and over not to leave assignments till the very last minute, but rather remaining on top of everything can be dubious — even if you do not procrastinate. When you have numerous assignments due in the meantime, it can be difficult to delegate enough time for each assignment. Your best choice is to take a seat and plan out the semester ahead and make note of when everything is expected, alongside different duties, for example, work or events. Consider how much time you should spend on every assignment and figure out what you can begin early and which assignments can or should be left to a later date. It’s additionally a smart thought to tell the people you’re living with when you will be occupied with study so they can give you your space and not spring last minute plans on you.

Set objectives

Setting objectives is an extraordinary approach to energize yourself for the semester ahead. You may set objectives like improving your grades, involve yourself more on campus or essentially complete assignments by a specific date — maybe to keep you on track or in light of the fact that you might want to have your work finished before an upcoming event. If you’re still struggling with applying for a scholarship, check this out. On the off chance that you require help setting objectives or examining how you’d jump at the chance to improve academically, you can talk to a scholarly counsel on campus.

Make friends

While you might be enticed to cover up in the back corner and mind your own business, going to classes and lectures seems much easier to do if you know there will be some company to attend them with— so don’t be reluctant to strike up a discussion and acquaint yourself with the people alongside you. Your schoolmates will fight similar evaluations and due dates and can offer help and inspiration. You may arrange a group study session, or plan a celebratory dinner or night out after submitting your final projects. Once you make some friends, start making plans for summer and spring breaks. For example, you could go on a road trip with your friends to relax over spring break. Make sure to carry a Car Air Mattress so that you can relax and sleep comfortably while you are on the go!

Healthy Ways for Students to Take Care of Their Health

Becoming a college student can be a bit daunting in the beginning because no matter how many times you have tried to educate yourself with what you can expect, it is still different when you are already there. College is the time when you will learn to become more independent. When you have issues, you cannot just go home and forget about school. This is something that you have to face so that you can acquire a good future.

In college, you can experience more freedom. No longer do you have to go to bed at a certain time and you will not be required to finish your vegetables anymore. You can sleep and party all you can and you can just eat whatever you want. It seems amazing, right? It may be great in the beginning but as your choices start to take a toll on your health, you will begin to realize that the decisions you have made may not be so amazing after all.

In order to take care of your health, you may want to invest in getting health insurance. You can actually get health insurance quotes from Alliance and Associates. This would help you when you get sick and you do not have extra money. All of your expenses will be paid for with the right health insurance. Don’t you think it will be very independent for you not to rely on your parents for your healthcare bills?

Healthy Ways for Students to Take Care of Their Health

Here are some ways that you can take good care of your health.

  1. Learn how to balance everything.

This may be one of the hardest things that you have to do. This is different from multi – tasking as multi – tasking requires you to do so many things at one time. Balancing on the other hand means that you have to set individual time for everything. Have time for your academics, have time for partying and building relationships and do not forget to have time for yourself.

  1. Avoid all – nighters.

Staying awake for 24 hours or even more is actually considered to be a norm in college because of the different things you have to do but this does not mean that you are going to do it the whole time that you are studying. Get enough sleep when you can. You will realize that having good sleep makes it easier for you to concentrate on your lessons better.

  1. Exercise

This is not something that a lot of college students to because they reason out that they are always too tired to do other things. Exercising will allow you to sleep better at night and at the same time, this can help you become strong and healthy. Even 15 – 20 minutes of exercise everyday can already make a huge difference.

It should be noted that eating properly is always going to be essential for you. No matter how much you exercise, nothing good will happen unless you make an effort to think about the food that you eat.

Scholarships and Cell Phones

Yes, you can use your cell phone to look up the best scholarships for you. But, what if there were another way to utilize your cell phone for the purpose of attaining a scholarship? We have discovered some interesting programs that tie the two. That is why we are calling this piece: scholarships and cell phones.

So, if you are currently in possession of a Samsung Galaxy On5 phone, and it is without the proper accoutrements, visit izengate. You can pick up a lovely wallet, flip cover, phone case for under $10. And, you will even have your choice of four colors. That way, your phone will be safe and fashionable as you learn more about the connection between scholarships and cell phones.

Scholarships and Cell Phones

The Link between Scholarships and Cell Phones

College is expensive. So, if you don’t want to walk away with a degree and a tremendous debt monkey on your back, getting a scholarship is in your best interest. However, not all the information we provide here will lead you to those scholarships. In fact, we are just attempting to reveal the link between scholarships and cell phones. Therefore, take some time to learn a little bit more about these connections:

  1. org– They are a global organization focused on social change. With 5 million members, there are a lot of causes that benefit from their support. If you choose to donate a cell phone to them, they will aid those in the midst of domestic violence and enter you into a contest to win a $4000 scholarship. They offer a slew of other simple scholarship opportunities as well. Learn more.
  2. Cell Phones for Survivors– Participants competed to collect cell phones to fight domestic violence. The student who collected the most cell phones won a $10000 scholarship. You might want to look into that one. It is also a DOSomething.org scholarship contest. They collected a grand total of 2,982 cell phones during the contest. On the site you can leave your information and they will let you know when it’s time to try again. Here’s the link.
  3. HCC’s Sociology-Anthropology Club– At Holyoke Community College, the members of this club are collecting cell phones to create a future scholarship opportunity. They send the phones away to a recycling company who pays them for the phones. That money is going into a fund to establish the initial $15,000 endowment necessary to begin offering scholarship monies to future students. They intend to focus the scholarship on HCC students actively involved in environmental causes.
  4. Verizon Wireless Scholarships– They have established the Verizon Foundation as part of their corporate responsibility mission. Dependents of employees are given an opportunity to attain $5000 scholarships which are renewable for three years. There’s also a Black History Essay Contest that awards 37 students with $2500-$5000 each year. A school specific scholarship is on the list as well and in 2010, Verizon partnered with Cape Fear Community College to offer money to a victim of domestic violence. Follow the link provided to get all the specifics about these Verizon supported scholarships.

Surely you were unaware of these scholarship opportunities. They are particularly unique as they are attached to cell phone donations or the company that provides you wireless service. We hope you will learn more about them. Happy searching.