Category Archives: Education Share

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.

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.

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.

BSc Podiatry at the University of Southampton

BSc Podiatry at the University of Southampton

The University of Southampton’s BSc Podiatry degree course lasts three years and attracts a government bursary of 3,630 to help students meet the cost of studying.

Southampton’s BSc podiatry course enables graduates to register to practice with the Health Professionals Council. It can also entitle them to embark on a further programme of study at a higher level.

Students on the BSc Podiatry course at Southampton explore both theory and practice in a host of environments: from general clinics right through to surgery. They are trained in the diagnosis and management of foot disorders, as well as how to administer a range of treatments.

It is the job of a podiatrist to manage disease and disorder of the lower limb. The foot is an extremely complicated structure, problems with which can have a huge effect on the overall health of a patient.

In practice, patient management can range from treatment of nail and skin disease, to minor surgery, to the mechanical correction of gait and posture, and more complex surgical techniques besides.

Whilst on work placement BSc Podiatry students get to see what the job involves, and also have the opportunity to speak to practising podiatrists about their experiences.

BSc Podiatry graduates moving into practice treat many different groups of patients, many of whom have a wide range of systemic problems, such as: diabetes, poor circulation, rheumatoid arthritis, skin disorders or those who have more specific lower limb disorders.

All applicants for the BSc Podiatry course at Southampton are strongly advised to organise opportunities to shadow practising podiatrists in a variety of settings in order to find out whether it is the right career for them.

If you would like to learn more about the BSc Podiatry course offered by the University of Southampton, simply visit the Health Sciences website at www.southampton.ac.uk/healthsciences

If you would like to learn more about the BSc Podiatry course offered by the University of Southampton, simply visit the Health Sciences website at www.southampton.ac.uk/healthsciences

Law students can find a wide range of books for EU Law, family law and more at Clarus Press

Law students can find a wide range of books for EU Law, family law and more at Clarus Press

Students pursuing law may find it difficult without guidance from useful and quality textbooks. Legal studies are quite popular among students in Ireland. Students pursue law with an intention to become responsible citizens for their country. Through law practice, they aim at spreading awareness and bringing justice to the wronged. >

The study of law of any country cannot be done effectively without assistance from trusted guidebooks. Clarus Press, the leading law books publisher of Ireland, brings law graduates a one-stop solution to refer or purchase Irish law books. Whether a student wishes to study about civil law or criminal law in Ireland, Clarus Press prints handbooks that encompass every branch of Irish law.

Along with students, any person from a different field will find the law books on insolvency to be a great source of applicable knowledge. Clarus Press sells a guide called The Practitioner’s Personal Insolvency Handbook. Though written from the point of view of a practitioner, this guide provides a detailed view of various proceedings done in relation to a personal insolvent client.

The guide only focuses on personal insolvency and not corporate. The guide provides the outline for the procedure involved during the debt collection process in courts. The procedure is quite important to understand as debt collection process differs based on the whether a client is in a District, Circuit, or High Court. The handbook provides information on bankruptcy, mortgage suit proceedings, Mareva Injunctions and much more.

Clarus Press brings widespread solutions of law students and practitioners for other facets in Irish law. A widely studied branch of Irish law is European Union Law. The publication has varied option for acquiring literature on EU Law. The most popular and basic guide to understand this law is their EU Law in Ireland handbook. Based on the sudden increase in cases pertaining to this law in Irish courts, practitioners look for analytical guides. However, the market has always been short of books that outline the procedures and operation of European Union Law. This publication solves this problem for not just legal practitioners, but students, researchers and government or public workers as well.

A popular section at Clarus Press publication is of Family Law. The law books publisher offers a comprehensive guide called Family Law in Practice: A Study of Cases in the Circuit Court. Earlier, because of the in camera rule, case proceeding under this law could not be recorded and analyzed. However, this is no longer the case. This guide is the first in the market to shed light to proceedings in family law courts.

The author is an experienced Content writer and publisher for Business Development. Visit us to know more about great knowledge about Family Law,Insolvency and more about EU law .

Mata Bhatee Devi Public School Najafgarh Delhi

Mata Bhatee Devi Public School Najafgarh Delhi

Najafgarh is located at the outskirts of the southwestern part of New Delhi, India. This place has a combination of Rural and Urban population from New Delhi and Haryana. Najafgarh is surrounded by a number of villages in the South West District of Delhi. The total population of Najafgarh is 906,452 and the total literacy rate has been estimated to be 82.83 %. Various religious and meditation centers are situated in Najafgarh.

Najafgarh Fort h ad 4 gates but currently only one gate is left which is the Delhi gate built in 1790 AD. Delhi gate is the main entrance to to the old city which is now a Main Market of this area which resembles to be hundreds of years old. One of the famous temples in the area is Sai Baba of Shirdi. A large number of devotees visit almost all the parts of western Delhi.There are a number of renowned CBSE and Nursery schools in Najafgarh.

Mata Bhatee Devi Public School is one of the renowned school in Najafgarh. The mode of instruction is English. The school timings are from 8 am to 2 pm and the school is affiliated to the CBSE board and the strength of each class is not more than 35. It impart education from Nursery to Xth standard. The school provide many facilities for the sake of the students convenience like the computer lab is fully equipped with upgraded systems, latest software, networking and internet facility.

The school has its own Maths lab where students learn the application use of mathematics. It also has own home science lab where students get to learn first-aid tips. The school has a big, spacious library-cum-reading room having a number of books on various subjects headed by an efficient librarian helps the students as well as teachers to enrich themselves with latest knowledge. The school ground is clean and green place where students play vivid games of their choice to rejuvenate themselves after a hectic schedule. Today to meet the challenges and demands of the modern fast-paced world, students need to be techno savvy.

The teachers realize the importance of electronically supported learning and have classrooms equipped with smart boards with special tie up with Educomp to assist learning. The school also has a friendly online system that provides students, teachers and parents with information at the click of a mouse.The school also gives transport facility. In our Endeavour to provide wholesome education that caters to every need of the child. Mata Bhatee Public School believe in providing World class heath care facilities to our students.

The writer of this article is a school advisor in OnlineSchoolAdmissions and provides free consultancy to parents on school admissions. Parents can search cbse schools in Najafgarh or coeducational schools in Najafgarh on the site and they can admit their child. They can also hunt for schools in Najafgarh as per their choice and can fill up school’s application forms online.

Student Loan Crises

Student Loan Crises

We have a student loan crisis here in the United States. Student loan debt in aggregate, an unsustainable bubble of government inspired debt mania, has sky rocketed over the last 10 years nearly 400 percent. The total student loan debt is now nearing 1 trillion dollars with over 10% of that in default or delinquency and much of the rest teetering on collapse.

The government makes these loans available to all manner of students attending a wide variety of schools. Many of these loans are extended to students paying exorbitant tuition rates to traditional non-profit schools rewired and then transformed into “paper mills” or to a whole new category of for profit schools many with even more exorbitant tuition rates and seemingly in indirect proportion to the value received.

Students pay excessively high tuition rates for watered down curricula at a plethora of institutions offering degrees that don’t meet the smell test when compared to the value associated historically with the attainment of a 4-year degree. Many students even after graduation struggle to properly read, write, or do arithmetic as would be expected of a fully educated graduate of a traditional university.

Many profit and non-profit educational institutions are drinking at the government loan spout while at the same time “dummying down” the path to a degree. Government money is fueling the demand and the corresponding tuition inflation is creating a student loan bubble of catastrophic proportions. Many employers no longer value these degrees unless they are from certain very high-level schools; the kind of schools that even student loans from the government can’t cover.

Indentured servitude is a good metaphor for what is happening with the student loan fiasco; this is a truly abusive system that takes advantage of those with high hopes and trying to improve their lives. At least an indentured servant, historically, could learn a craft or a trade that was with them for life; what are these folks getting but membership in a new class of debtor?

With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 student loan debt public or private is no longer dischargeable in bankruptcy court. Many of our younger citizens now carry their student loan debt around with them like the proverbial, “ball and chain” looking for a job from employers many of whom no longer value the degree. What is next? Will they bring back a “debtors prison”?

Our once very fine university system has been severely damaged by this phenomenon. Not all loans are bad and not all schools are “paper mills” but the trend is clear and this will end badly unless this system is rehabilitated.

International Student Loans – Customized Particularly For Learners

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