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Minn. Survey Shows Impact of Recession on Student Loan Debt

Minn. Survey Shows Impact of Recession on Student Loan Debt

The Minnesota State University Student Association has released the results of a survey it issued in September 2010 to help assess the impact of student loan debt on its members. Because the surveys number of responses is small — just 46 responses to date — the results dont hold tremendous scientific value, but they do paint a picture of how the recession has affected college loan debt and default rates in the state.

According to the compiled results, the survey respondents — all of whom graduated from one of Minnesotas public four-year universities — currently carry an average of $32,456 in student loans. Thats 40 percent more student loan debt than the national average of $23,186.

The respondents reported an average monthly student loan payment of $297 with an average loan repayment plan of 15 years. Although federal education loans have a standard repayment horizon of 10 years, borrowers who hold more than $30,000 in federal college loan debt may request a debt-help repayment plan that extends their repayment term to up to 25 years.

These results are consistent with the findings of the U.S. Department of Education released last fall, which show that Minnesotans leave school with more federal college loans than the average student nationwide but tend to default less often than borrowers in other states.

According to the Department of Education, 55 percent of Minnesota college students take on federal school loans to help pay for college expenses, compared to 37 percent of undergraduates nationwide and 47 percent of undergraduates from Midwestern states.

While carrying higher student loan debt loads, however, Minnesota borrowers have a default rate on their federal college loans of just 3.7 percent, compared to the national default rate of 7 percent.

These default rates are measured from students whose federal school loans entered repayment in 2007-2008 and who defaulted before October 1, 2009.

The 2008 default rate in Minnesota of 3.7 percent marked a rise from 3.3 percent in 2007 and 2.9 percent in 2006. Despite this upward trend in student loan defaults, Minnesota ranks 51st in default rates out of the 54 states and territories assessed by the Department of Education.

Officials from the Minnesota Office of Higher Education attribute the lower default rates in their state to better employment prospects for graduates. They also point out that students who leave school without graduating or who work in low-wage jobs are most likely to default on their college loans. Students who earn occupational certificates instead of college degrees are also at a higher risk of defaulting.

Graduates of Minnesotas four-year private and public nonprofit universities were the least likely to default on their school loans. Just 1.4 percent of students from private universities and 1.9 percent of students from public universities who graduated with student loan debt defaulted in their first two years of repayment.

Click your way to UK interracial dating

Click your way to UK interracial dating

Just like anywhere in the world, there has been a rise in the use of online dating sites to find life partners. And more and more of the UK singles believe that this is the surest way to find real love. And just like everywhere else, this rise and demand in the internet use as an avenue for finding love has given rise to more dating site; and UK interracial dating sites havent been left out of this dating revolution.

The thing is: most such UK interracial dating sites have large international databases of active members and people from different parts of the world keep joining everyday in search for UK single men and women. Not only do men and women from other countries come here to find interracial love; UK interracial singles have also benefited from these sites. And with such massive databases, finding love in the UK has been made pretty easy; plus it has become much easier for the UK singles to connect with singles from other cultures, regions and nationalities, hence the mega rise in UK interracial dating.

See there are quite a number of specialty UK interracial dating sites. And these websites are created specifically for the men and women who are open to dating anyone no matter the race, culture or skin color. And given that most UK singles pay less attention to such things, I guess this is the reason for the rise in the interracial niche dating sites. And the beauty is that the hassle of running around in search for love has been eliminated from the dating picture. So a dater gets to interact with singles from across the world virtually via webcam chat or other high-tech communication tools that bridge the distance gap. And to add spice to all this, you are sure that you are searching for interracial love on a platform where everyone is open to interracial dating. What a time saver!

With the UK interracial dating sites, whether you want to date someone within your area or internationally, its all up to you. Whether you want to have a quick hook up or a long term relationship, you are the one to decide because once you write down what type of relationship you are looking for, be assured of finding other singles in the same category as you. With online dating, you can have your dating world in your own hands. Just click your way to UK interracial dating.

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Easy Solutions To Assist You Better Prepare For Homeschooling

Easy Solutions To Assist You Better Prepare For Homeschooling

Can a excellent school child pass the GED? Have your child take a test GED test in order to target weak regions and create them a part of their curriculum. This might assist we be capable to concentrate on weaker areas.

Let the elder youngsters assist the young ones. Older children is the perfect tutor for younger ones. That provides older kids confidence, and it enables younger kids to hear the data differently. Children often listen perfectly to elder siblings.

While we might not want a kids to hang out with the kids in public school, they have to have several exterior social interaction. Your kids should have play dates with others inside the neighborhood. Let the kids play with the kids at the neighborhood park. In addition, you should motivate a children to join localized clubs, groups plus companies.

You can conveniently have too much on the plate with regards to combining homeschooling plus your home chores. Your partner must be able to aid we out with chores, nevertheless if not, you are able to hire someone nearby rather.

Take a limited moments to contact other parents which are going by the same task. Not only will you see unique neighbors, you will additionally gain a wealth of information resources. However, we shouldn’t allow others influence each aspect of the own homeschooling practices. That said, it is very good to remember that there are others whom may have a greater amount of experience than you whenever it comes to homeschooling children.

Become familiar with homeschooling regulations in your state. Homeschooling offers we a great deal of versatility however, there are nevertheless laws plus guidelines we should follow. In certain districts, you only need to supply a statement of intent to homeschool your kids. We will also need to administer standardized testing. By recognizing what exactly is needed we can make certain that we are following the proper rules.

If we know others inside the area whom are utilizing a homeschooling program, see in the event you can meet as a group. Establishing a little group of regional homeschoolers which meets frequently, you’ll be providing socialization, field trips and getting much needed support for oneself. This also helps you escape within the house occasionally.

If a child isn’t learning as much as he must in public school, then it can be time to test homeschooling. It can help your child to succeed without frustration. Additionally, you will develop a personalized bond with the child. Homeschooling might be just the thing your child requirements to discover more while experiencing less stress.

Your children’s future achievements depends found on the foundations you lay for them today. You are the person many focused on the child’s success, and this may be reflected by homeschooling. Make use of the data found here plus begin functioning to create a amazing learning plan for the children.

Homeschooling Tips Just For You

Homeschooling Tips Just For You

If you are embarking on the challenging task of educating your child at home, you do not have to reinvent the wheel. With its 70 years of modern history, American homeschooling has been used by a number of parents to educate their kids. From the experience and wisdom of hose parents, combined with our own experience, we bring you knowledge in the form of seven homeschooling tips that should help you be an awesome homeschooling parent.

1. Before starting your home school, you should check your local laws and regulations and comply with them if they require anything from you.

2. Basic educational skills are essential for you if you want to guide your children properly in their education. You should have reasonably good reading, writing and mathematics; if not, it’s a good idea to join some adult classes to improve on them.

3. Having a good working relationship with your child, apart from having a fruitful thing in itself, will help you a lot in homeschooling your child. Setting goals and complying with them is all the easier if you have clear communications and a healthy relationship with your child.

4. As a parent homeschooling your child, which is not the norm in the present society, you will invite a lot of comments and criticism about that decision. This tip is about being prepared about that criticism – sometimes all the evidence that you put forth proving how better homeschooling is as compared to public education, people will not be convinced. So keep a thick skin, and remain ready for the skeptics.

5. As a parent and a teacher, you should be observant of your child’s needs and feelings. As their sole supervisor, they require you to do that, so that you can do any course correction if required.

6. It is normal for any classroom to become quite stressful , and as a guide and teacher it will help if you have a good sense of humor to help relax your child and yourself.

7. Being a parent itself presents a lot of responsibilities. Added to that, being a teacher to your child, and running a classroom with its daily schedule, lesson plans and activities will mean that you will need to have very good time management and organizing skills if you are to successfully wade through all the jobs that are required of you. If you need to, it would be a good idea to join some classes to get some expert help in improving these skills.

Do not try to implement all of these homeschooling tips at once, unless you are in the process of creating your homeschooling program. Introduce one tip and let it work its way into the regular flow of things and then introduce a second and a third.

How Indonesia World Education Today

How Indonesia World Education Today

Dated May 2, 1889 is the day was born Raden Mas Soewardi Soerjaningrat better known by the name of Ki Hajar Dewantara. College Park Student pioneer who later became the National Education Mr birthday and set a National Education Day by the government in 1959.

Continuing the spirit of national education day itself, of course, many efforts have been made by the government in promoting education in this beloved Republic, one of the government’s efforts to raise the passing grade to improve the quality of education and eliminate school fees ranging from elementary to junior high. After all, however, still many who say not optimal and have not fully enjoyed by the people, actually had a chance to go there and available, stayed back to each individual – each want memanfaatkanya or not, because the potential is certainly there.

I believe every human being on this earth comes from the same basic as being born into the world. This means that there is no certainty that ensure that certain groups better (or worse) than other groups.

THEN, IF THERE ARE ASKING HOW THE WORLD OF EDUCATION INDONESIA NOW?

MY ANSWER:

There is no single perception or assumption that can assess the education in Indonesia in general. Generalization assumptions about education in Indonesia is something that has no scientific basis.

Why?

tutwurilogoData-data shows that education activities in Indonesia experienced a variety of striking growth between rural and urban areas. The difference is the speed of education grew strongly influenced by the level of population growth and economic growth rates in each – each region. Areas that are now grown into urban areas has increased the quality of education better and advanced than the territory – territory that until now is still a rural area.

The difference happens to be very far between, such as Jakarta and the island a thousand, or, for example, between Bandung and Leuwi Rosin (Cibeo, Baduy), or, especially, such as between Jakarta and parts of Papua. Therefore, in my opinion, no one ukurpun scale that can be used to generalize the education in Indonesia. Even if it was imposed it would happen “dishonesty” in view of Indonesia as a state entity, or maybe a kind of “selfishness” in the name of the theory.

So in my opinion, education in Indonesia is the world that has many advantages and many left behind. Top keunggulanya we must grateful, and the remaining ketertinggalanya should be felt and in sikapi as part we must think together as members of a major union, the Republic of Indonesia.

Indonesia education forward …

Come with us Cerdaskan ourselves and this nation …

Touch the Realms of Success with Online Adult Learning Courses

Touch the Realms of Success with Online Adult Learning Courses

The internet and the new era technologies have opened vistas of opportunities for all including students. Whether you desire to buy a cosmetic product or sell your car, are looking for any information or want to acquire a professional degree, everything is at your fingers with the internet. Now even adult learning courses which include those in stock broking, food hygiene and safety, IT courses, driving and environment safety are all available through the online vehicle. Whatever the area of your interest, you can get enrolled in an adult learning course and look forward to professional as well as personal development.

When you register on adult learning courses and in particular computer courses with an online institute or website, you can study at your own pace. There is no need to rush or go at a pace you are not comfortable with. If you get bored after a few hours you can take a break and then continue your studies. Some students have a higher learning capacity than the other students. Whereas, some students lack confidence and refrain from asking questions in the fear that they will be ridiculed by their colleagues. Here, online adult learning courses can prove to be a blessing in disguise for these students. There are no hassles or tensions involved of facing fellow students. The introvert students can easily ask the questions thorough the internet and the experts will provide the complete solutions to their questions.

The fuss about handwriting quality can be greatly minimized as you can now mail the exercises and questions to the instructor. Online adult leaning is highly interactive. This entails that you will receive feedbacks from your colleagues and instructors. You can get the benefits of individualized feedback too. Also, the horizons are widened with distance adult leaning and you get the opportunity to connect with students all across the globe. This will have a positive impact on your learning experience and your mind will become attuned to accept different viewpoints. Apart from becoming an expert in the course you have enrolled in, you will also learn how to effectively and efficiently manage your time and plan your schedules. As there are no fixed schedules, you will be the boss and responsible to manage the resources as well as the time. At the end of the course, you will be quite surprised that you have actually learned and mastered much more than you have actually paid for!

Too Many Universities All Dressed Up With Nowhere To Go

Too Many Universities All Dressed Up With Nowhere To Go

The Coalition Government which has placed so much emphasis on reversing the trend towards dumbing down in education must be extremely dismayed by one side-effect of tuition fees in higher education rising to as much as 9,000 a year. It appears that the drop in university course applications which has followed the fee rise has prompted many institutions to lower their entry requirements in order to keep their numbers up. This is especially true of newer universities and former polytechnics.

According to the Universities and Colleges Admission Service (UCAS), the number of English applicants to all universities has fallen by 10 % compared with last year. The biggest casualty was the University for the Creative Arts which suffered a massive 29.2% drop from 2011. At the top end of the spectrum, Oxbridge applications were virtually unchanged.

In what looks like a desperate last minute attempt to keep student numbers and revenues up, many institutions have lowered A level grade requirements which basically means that young people are being let in even though they may not have what it takes to ultimately gain a degree. Either that or the quality of degrees would have to fall. This is almost certainly not what the government intended when it moved the goalposts on fees.

Take, for example, the situation at Leeds Metropolitan University where the Telegraph reports entry levels on 97 degree courses, including architecture, law, English literature and history, have been cut to 80 points on the UCAS tariff – the equivalent of only two grade Es, the lowest possible pass. The inevitable result is that the average quality of undergraduates at such universities is destined to decline.

Of course, in the past, such establishments would have responded to such developments by focusing more of their education marketing spend on attracting students from overseas but, here again they have been stymied by the governments tightening up on visa requirements for students from outside of the EU.

That just leaves the EU as a potential source of students to compensate for the shortfall in domestic numbers. This may also prove a problem bearing in mind the economic malaise in the Eurozone and the fact that fees in many EU countries like Belgium are actually lower than in the UK.

Nobody it seems has asked the most relevant question which is what is the optimal number of university places in the UK in the first place. It would appear that the quality of graduates, especially in the disciplines which are in such high demand such as technology and engineering, is now taking centre stage in the debate rather than the total quantity of new undergraduates studying at our universities.

Top 10 universities offering free online learning

Top 10 universities offering free online learning

Good news for those who want to advance their education but lack money for tuition! It is possible to earn a degree from a highly reputable university free of charge. Below is a list of the 10 best free university courses (in no particular order) available for you:

1. Massachusetts Institute of Technology (mit.edu)
MIT is ideal for those looking for a wide range of free courses offered online. The university’s OpenCourseWare project has more than 1,750 free courses that are in text, audio and video formats. OpenCourseWare is used by students worldwide, most of whom say they would recommend the site to other students.

2. Stanford (stanford.edu)
Stanford University, one of the world’s top universities, has teamed up with iTunes U to offer access to Stanford courses, interviews and lectures. Available courses can be downloaded and played on iPods, Macs and PCs and can also be burned to audio CDs and played in CD player.

3. University of California, Irvine (uci.edu)
UC Irvine, recently teamed up with the OCW Consortium to offer free university level courses online. Although currently there are only a few courses to choose from, the list is rapidly growing. Course materials include lecture notes, assignments as well as exams.

4. Open University (open.ac.uk)
Open University’s (UK) OpenLearn website offer both undergraduate and graduate learners free access to learning materials. The materials cover a wide range of topics, such as IT and computing, education, mathematics and statistics, science, health, business and more.

5. University of California, Berkeley (berkeley.edu)
For almost a decade, the University of California, Berkeley has been providing live webcasts of a number of courses including IT, legal studies, engineering, philosophy, psychology and astronomy. Many of the university’s courses, are currently available as podcasts and webcasts.

6. Carnegie Mellon University (cmu.edu)
Carnegie Mellon University’s program called Open Learning Initiative (OLI) offers several free online courses. OLI courses are aimed to allow introductory college level students to learn about a particular subject without formal instruction. Courses cover a wide range of topics, such as economics, biology, French, statistics and physics.

7. Kutztown University of Pennsylvania (kutztownsbdc.org)
The Kutztown University of Pennsylvania has a resource centre, Small Business Development Center, that boasts the web’s largest collection of free business programs.

8. Utah State University (usu.edu)
Utah State University is also a good choice for those looking for free online courses. The university offers a number of download-able text-based courses ranging from physics to anthropology and theatre arts.

9. University of Southern Queensland (usq.edu.au)
University of Southern Queensland, Australia, offers free online courses through its OpenCourseWare initiative.

10. Tufts University (tufts.edu)
Tufts University, a private research university in Medford/Somerville, near Boston, Massachusetts, has OpenCourseWare that is available free to everyone.Course materials include lecture notes, assignments and other supplementary materials.

Advantages And Disadvantages Of Having An Outdoor Wedding

Advantages And Disadvantages Of Having An Outdoor Wedding

You and your fiance are different and both of you are contemplating an outdoor wedding against a more conventional church wedding! An outdoor wedding holds manifold advantages, especially so for those feeling claustrophobic by church weddings. However, there are certain disadvantages with outdoor weddings as well. Let us consider the pros and cons of outdoor weddings to help finalize any of your decisions in this regard.

Advantages of an Outdoor Wedding:

Church weddings invariably pose restrictions on the themes that can be used for the weddings. With a church wedding, one needs to primarily stick to more conservative themes that are traditional and time honoured. With an outdoor wedding you have a lot more freedom and you can pretty much call all the shots with regard to the themes you would want to have for the wedding. The sky is the limit when it comes to choosing the themes – it can be a beach theme or a western theme or anything else that catches your fancy.

The cost is a great advantage when it comes to outdoor weddings as they are definitely much less costly than what you would incur with a church service. You don’t have to pay for using a public garden or a beach to get married, and the only costs in this regard will be what you need provide to the minister. And this goes with a host of conveniences like discarding formal attire and going with a simple sundress (if you prefer) when getting married in a sunny beach or a warm garden.

Another advantage with outdoor weddings is that you and your guests will feel much more relaxed and comfortable in the casual environment as against a stuffy church environment. Having lots of movement space is also welcome as people don’t have to jostle like in a church.

With outdoor weddings, the same venue can be used for wedding and reception; you just need to find someone for decoration and catering.

Disadvantages of an Outdoor Wedding:

The unpredictable weather can play a big havoc with your wedding. Mother Nature is not under our control and the weather man can be wrong. Moreover, the unpredictable nature of the weather makes it difficult to plan outdoor weddings ahead of time. It can be pouring on the day of your wedding and so it would be a good idea to have a back-up plan when you are contemplating an outdoor wedding.

Also most Catholic priests don’t allow you to marry outside of the church. So, you need to convince your priest first if you really want to go ahead with an outdoor wedding.

To summarize, outdoor weddings work for some people and not for others. So, plan carefully taking into account all pros and cons and figure out what will work best for you.

A Little Trick That Will Improve Your Online Dating Emails

A Little Trick That Will Improve Your Online Dating Emails

One thing I’ve found to make a huge difference in the first messages you write when online dating, and your responses from them, is being in a good mood when you go online.

Women are crazy like that…they just have a sixth sense when it comes to knowing what is going on with you…even if it’s through the internet.

Of course the better the mood you’re in, the better your ideas will be when it comes to what you’re writing in your first email to a woman.

Now I’ve discovered when I’m in these types of upbeat states many things happen while browsing my favorite online dating site.

For one thing I come up with better messages to send to women at a much faster rate. It just comes to me a lot of times. For another, I find it easier to let some of the potentially frustrating things roll off my back; like women who list 8000 pet peeves in their profile, or tell me they like going to the movies AND blockbuster nights in their profile. Yeah, like I’ve never heard that one before!

This isn’t to say of course that a good message will always get a response. There are way too many other factors involved in getting a response besides your message, some within your control and some not.

A lot of times women meet a man they’re interested in, but keep their profile up just in case it doesn’t work out. In the meantime, they just don’t respond to anybody. Other times they get fed up with the ton of perverted sexual requests they get.

However I think being in a good mood and writing messages could get you four or five messages out of ten. Compare that to getting none, or one if you’re lucky, if you’re just sending silly messages she will never respond to.

I wish I had a magic pill that could make you in a great mood all the time. Of course there’s always Xanax, but I wouldn’t recommend that route.

Very few of us are in a good mood all the time, and the few that are can probably be found off meditating in a cave somewhere in India. So it’s ok if you’re not always Mr. Upbeat.

I think it’s a great strategy though to send the majority of your emails to women on dating sites when you are in these positive moods. If you do I’m confident you’ll spend more of your time responding to a first reply from a woman than you were before…

…and I bet that will extend the period of time you’re in that good mood.