Scholarship Applications – The Good, the Bad and the Ugly

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

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

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

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

Refinance Student Loans

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Higher education comes with a high price, and most grad students do not have the cash not only to pay for graduate school upfront but also to pay for food, housing, medical expenses, etc., during graduate school. Some grad students may have decent jobs before they start graduate school, but many graduate students have to cut back on working to meet the rigorous demands of their graduate study. Luckily, there are many options to help graduate students pay for grad school, options which include student loans, stipends, and grants. You can use the information in this article to learn more about refinancing your student loans that helped you to pay for graduate school.

Some students choose to refinance student loans to reduce their student debt and monthly loan payments. Students can refinance their loans through various ways, such as consolidation.

Students should consider several things before refinancing student loans. For example, federal and private loans should be refinanced separately. Federal loans have lower interest rates than do private loans because government lenders know that students’ incomes will increase as they continue their educations. Consolidating federal loans with private loans when refinancing will raise interest more so than if the loans were refinanced separately.

Consider Your Credit Score

Students should have good credit scores before they refinance student loans. Bad credit scores will affect interest rates for refinanced loans. Before refinancing, students should review their credit reports and try to fix any problems. After they have fixed any problems with their credit scores, students should request quotes from different lenders to determine which lender would offer the best interest rates for the refinanced loans. Interest rates tend to change around July 1 every year, and though interest rates are currently low, changes in the economy can cause sudden changes in those rates.

Different lenders have different qualifications to refinance student loans. Most lenders do not allow the refinancing of loans that are currently paying for education. Some lenders require minimum balances of varying amounts to qualify for refinancing. Students should research these qualifications before refinancing.

Weigh Interest Rates vs Monthly Payments

Refinancing can either lower interest rates and monthly payments on student loans or redistribute the payments over longer periods. Lowering interest rates prevents long-term payment increases, and lowering monthly payments decreases short-term payments. Redistributing the payments over longer periods of time makes each payment more manageable but increases the overall balance of the loans because of interest.

Loans For Unemployed Students – Higher Studies Are Possible Easily For Every Child

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Higher studies in best college are every student’s dream. It’s a big achievement for them. Students who belong to rich families take admissions very easily in such top colleges but students from poor or middle class families can’t afford such high colleges. Hostel charges, purchasing books, examination fees all these things are not easy for them to handle. To help the students in getting the education of their choice Loans for Unemployed Students have been developed my some lenders.

4 types of student loans are available in the market:

Government Student Loans: These loans are provided directly to the students by the Department of Education and they have to repay the amount with interest charged after completion of their studies. The interest charged is low and the amount issued is decided by the lender.

Private Student Loans: Private institutions like bank and lenders issue these loans. Loan is given to the student and has to be returned after completing the studies. The interest charged on these loans is higher than government student loans.

Parent Student Loans: These loans are granted to the parents of the concerned student and they repay the loan after the completion of their child’s loan.

Other Loans: These are like a home equity loan that offer tax benefits.

These loans are free from every credit check. Poor credit holders and zero credit holders are also eligible for the loan. The loan has two forms: secured and unsecured. Secured loan provide amount between the range of 25,000-75,000 and unsecured loans provide amount below 25,000. Secured loans are available for 10-30 years and their interest rate is less than unsecured loans. Collateral is required to get secured loan whereas, unsecured loans are free from collateral. Such loans have made studies easier for every student who has not so strong financial support.

Loans for Unemployed Students is available online. An application is needed to be filled with general details. The form gets checked by the lender and is than approved. After approval money gets directly deposited in the bank account of the borrower. These loans are provided without any fees. It is recommended to repay the loan in time to avoid any penalty or fine. Loans are available 24/7 and therefore, can be applied anytime directly from the home. Without keeping your future on stake you can easily take the loan to achieve higher education.

Harry Dick is financial adviser for Online Loans. click on the links to know more about Loans for unemployed students and Long Term Installment Loans and Bad credit long term loans here.

The 20 Fattest and Fittest Universities

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Is your university populace fit as a fiddle, sprinting between classes and the gym with the greatest of ease, or is it, as a whole, huffing and puffing its way back and forth from the computer lab to the local late-night hot dog joint? This is, of course, an exaggeration, but Mens Fitness magazine did partner with research organization the Princeton Review to come up with this much-needed, and never-before-produced, list.

Using surveys of nearly 10,000 students from more than 660 of top colleges and universities in the United States, the researchers graded each school on the following criteria:

Student Bodies: Students gender, height, weight and weight gained or lost since beginning college. Exercise: A measure of students participation in weekly vigorous and leisurely physical activity. Bad Habits: A summary of how much fast food, alcohol and cigarettes students consumed on a weekly basis, along with how much time was spent participating in sedentary activities (other than studying), like watching TV or playing video games. Other Lifestyle Choices: Supplement use, amount of sleep per night, and significant others influence on fitness goals. Campus Culture of Fitness: Physical fitness requirements (or recommendations) and student opinions on the overall fitness of their school and whether the campus promotes physical activity.

The grades from each category were averaged to form the final grade. And the survey says:

Top 20 Fattest Universities of 2005

1. University of Louisiana, Lafayette 2. University of New Orleans 3. Mississippi State University 4. Southern Illinois University Carbondale 5. Portland State University 6. University of North Carolina, Greensboro 7. Eastern Michigan University 8. University of Kentucky 9. SUNY College, Brockport (N.Y.) 10. University of South Florida 11. University of Nebraska, Omaha 12. Seton Hall University (N.J.) 13. Louisiana State University 14. Southwest Missouri State University 15. University of Texas, Dallas 16. West Chester University of Pennsylvania 17. University of Cincinnati 18. Winona State University (Minn.) 19. University of Maine 20. Old Dominion University (Va.)

Top 20 Fittest Universities of 2005

1. Brigham Young University 2. University of California, Santa Barbara 3. Boston University 4. University of Vermont 5. Northwestern University (Ill.) 6. University of Colorado, Boulder 7. University of Notre Dame (Ind.) 8. University of California, Santa Cruz 9. University of Wisconsin, Madison 10. University of Wisconsin, La Crosse 11. Boston College 12. Texas Christian University 13. University of California, Davis 14. Georgia Institute of Technology 15. Salisbury University (Md.) 16. Georgetown University (D.C.) 17. College of William and Mary (Va.) 18. College of Charleston (S.C.) 19. East Carolina University (N.C.) 20. California State University, Long Beach

What to Do if You Attend One of the Fattest Universities

Healthy-Living Dorms: Thumbs up to Washington University in St. Louis for opening healthy-living dorms. Students who choose to live in these campus abodes pledge not to use drugs or drink to excess, and exercise facilities are located nearby. The University of Maine at Farmington, Indiana University in Bloomington, George Mason University and many others across the nation have started similar programs.

Why Students Should Study French In France

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French is one of the most spoken foreign languages throughout the world. Additionally, learning to speak French can help students look for employment opportunities in various fields such as administration, diplomacy, and commerce in various European organizations. Moreover, it is not difficult to learn French and has 26 letters as the English alphabets but the pronunciation of each alphabet is different. Students interested in learning French should study French in France to get good exposure and learn the language better. Read on to know more reasons why students should study French in France.

Students should study French in France, as it would help them know the French culture better and learn the language at the same time. Studying French in France will help students communicate with the French people so that they can practice speaking the language they learn inside the classroom. Speaking and writing are some of the best ways to learn a language, as well as help students develop confidence when learning any foreign language. France is a beautiful country with many amazing places to explore and students studying French in France can help students know the history of the place and enjoy their stay in France to the maximum.

Many students choose to study in France, as learning French in France can help them have better understanding of the French culture. Even if students do not choose French as their medium of instruction, they should study French in France to help them improve their language skills. Although there are French programs conducted in different parts of the world but to learn the language completely or know how the natives speak students should study French in France. Students who study French in France can prepare for TEF, TCF, and DALF. Many universities offer summer courses where students can enroll for French courses and study French in France during their summer holidays.

Students should study French in France because it will help them learn the language easily and naturally. Moreover, learning the language when staying in France would keep students completely absorbed in the French culture, as well as encourage them to speak and write in French to gain mastery over the language. Studying French in France is considered to be more effective than learning French in other places. Students willing to study French in France should choose a university helping students explore the French language deeply. Moreover, the university you choose should teach students in way to foster their intellectual and personal growth.

A good university helping students to study French in France would emphasize on the spoken, written, and comprehension of the French language. Students are advised to choose a France university to study French, which provides knowledge on the art and cultures of Europe. Students who want to study French in France should do research and analyze various universities to help them find a good university where they can learn the French language.

Going Back To School At 50 – It Doesn’t Have To Be Hard!

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Some people may think going back to school at 50 is silly, but, in reality, it’s a popular choice. In fact, older students have become the fastest growing demographic at colleges around the country. Whether you want to switch careers, finally get your degree, or just learn something new, going back to school at 50 can be a great choice.

But if you’re thinking of going back to school at 50, you need to do your homework long before your get to the classroom. After all, you’ll be competing with the new generation. Learn about all of the admission requirements. Figure out if you need financial aid. And ask yourself if you want to take classes online, or if you’re interested in physically to community college or a four-year university.

When it comes to going back to school at 50, many older students have some fears, especially older women. For older women, going back to school can mean that you’re the “mom” figure in class – the student who is actually older than the professor, and the one who causes other students to get quiet and start minding their manners.

But for many older women, going back to school is important enough to overcome any fears. Some women simply want to graduate, after giving up their degrees long ago to get married and have children. Or, they want to change careers. Or, they just want to learn something new now that the kids have grown up and moved out.

If you’re an older student who is thinking of returning to community college, many schools are making it easy for you. The American Association of Community College has created a “Plus 50” learning program. Participating schools are learning how to meet the needs of older students by helping them with their computer skills, helping them apply for financial aid, and even helping them locate old transcripts.

And, if you’re thinking about becoming an older student, you don’t have to let money become one of your fears. There are plenty of grants for going back to school, including:

-Many individual colleges offer special grants for students who never went to college after high school
-There are Veterans’ grant programs if you spent time in the military
-Federal Pell Grants are available for students of any age; all you have to do is meet certain income requirements
-There are grants geared towards older women going back to school, whether you already have a degree or not
-Many cities and towns offer special grants for older students, so check with counselors at your school to see what opportunities exist.

Pursue Education In The Right Path With Recognized Universities

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Education always have played an important role in placing once career on the right path. It is a most powerful tool in tackling the present cut-throat competition that people face in their daily life. Today, India is emerging as the great source of education on the global face with thousands of good educational center offering professionals courses. But as there are so many of them claiming to offer the best form of education its really hard for students to students to select a recognized university approved from UGC and ministry of HRD (Human Resource Development).

Every individuals aims to pursue higher education from a well recognized and good university. A well affiliated institution can help you to get a good job as well. In the country like India where students seeking for higher learning , there is no dearth of institutions which are fake and have no recognition. Many a times, students do not make ample research and get admission in unrecognized institutions offering fake degrees. These education centers not only charge huge fee but also do not assists in any form of job. Moreover, there are always chances that these organization can close anytime by government or run-away. Thus, it is always important for individuals to determine between the fake universities and the recognized ones before taking admission.

Education plays a vital role in constructing a strong and successful career in each and everyone’s life. Hence it is crucial to research well about the course and the important subjects that are most integral for your eminent progress. Once, you acquire the knowledge regarding your course, you should find out the top institutions and universities offering the same.

Now-days internet is the best place where one can easily find the details about the intuition, accreditation and courses. Most of the prominent universities have their web presence and provide extend information on the subjects and their certification details. You can easily view the course details, the eligibility criteria, admission process, fee structure, time duration etc. Moreover, you can even find the recognition details about the college and universities. In India, UGC (University Grants Commission) approves various government and private educational institutions like deemed universities, central universities etc.

In the country there are many fake universities, held by individuals or entrepreneurs and running engineering and medical courses without getting approved. Thus, you need to make a healthy search regarding their identity like keep a track at their affiliation, faculty, administration and fee structure. Make sure it answers your questions such as:
Is the University/College UGC recognized?
Is the fee structure worthy?
Is there a placement facility in major corporations?
Is the institution offering internships or training?
How is the faculty?
Is the curriculum justified?The country has strict legal management against these fake educational institutions. Lot of people regularly complain regarding this and there are professionals who help in sorting out with such problems. So, if you are looking for a recognized university then go online and search steadily for the UGC approved list of universities and colleges.

How To Design Science Activities For Middle School Students

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Science activities can be very effective learning tools if they are properly designed. A properly design science activity will engage students, it will entertain them and it will introduce a science concept in an interesting way. Science activities that are not properly designed will be boring and basically a waste of class time. Below are four tips that will help you to design an effective and fun science activity for your middle school students.

Tip #1 Make the Activity Active

The best way to make a science activity more interesting and fun for students is to make it active. Active science activities are going to get students moving and interacting with science tools and concepts. A good example of an active science activity is having the students go outside and to collect data on plant and animal species on the school ground. On the flipside, an inactive science activity is having the student complete a worksheet. As you can see the first activity is going to be more fun for the student because it gives them something novel to do.

Tip #2 Make the Activity Interesting

One problem that science teachers have is making science interesting to their middle school students. This age group has all ready developed a set of interests and anything outside that set of interests is basically ignored or thought to be boring or uninteresting. In order for teachers to develop an interesting science activity they will need to find a way to connect the science concept with something that the students are interested in. For example, if the activity is about electronics concepts then the teacher can incorporate remote control vehicles or robots in their activity.

Tip #3 Make the Activity Relevant

Another way to get kids engaged in a science activity is to design is so that it is relevant to them. This is a good idea as it helps to show kids that what they are learning about does impact them and their lives. Teachers can link science concepts to what is happening in the world today by using news stories and products in their introduction of the science activity.

Tip #4 Make the Activity Quick

Middle school students still have a relatively short attention span, particularly when they are faced with a science activity. Teachers need to make sure that the science activities that they plan do not exhaust students or last longer than the activity can keep their attention. The timing of a science activity generally will be 50 to 75 percent of a single class period for middle school students. Longer activities will need to be a lot of fun or very interesting.

Important Information Regarding Student Loan And Consolidation

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Have student loans been a major headache for you lately? It’s no wonder since the average student has more than $8,000 dollars in student loan debt. It’s been shown that a greater than 40 percent of all college graduates have debts in excess of ten thousand dollars. Some of the college graduates that we polled reported that they owed even greater amounts of debt than the majority of college graduates.

It’s important to remember that a college education can be expensive. Students must pay for books, supplies and other preparatory materials in addition to their tuition. Students need to also pay for their lifestyle, such as, clothing, food and their rent. It’s also important to remember that school will take a large portion of your time, so some of them won’t be able to work part time. This increases the strain on many students making it difficult to concentrate on their studies.

So instead, many college students end up taking on more student loans to pay for the costs of school rather than increase their work loads. Taking out larger student loans will mean that they have a significant amount of debt once they graduate from college.

Luckily, college graduates have options that are available to them. They may continue to attend school for at least half time and this will allow them to defer repayment while in school. Remember that you will at some point need to start paying off your student loans. If you are currently paying on your student loans and are having difficulty making your monthly payments, then you should consider consolidating your loans.

By using a student loan consolidation, you will be able to pay all of your other loans off with a bigger loan that consolidates them. Loan consolidation can greatly simplify the repayment of your school debts by allowing you to pay just one bill each month instead of many. The big benefit here is that you will pay a lower monthly payment. Paying a lower monthly payment each month can greatly reduce the stress on a person.

An important point to note is that since the person is paying less each month on their student loans, they will end up paying slightly more over the life of their consolidation loan. This happens mainly because you will end up paying your loan over a longer period of time. This means that the balance accrues more interest. If you think about it though, it is better to pay the loan off slowly if you are having difficulty making the regular payments.

FREE COURSES ON RENEWABLE ENERGY

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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