The Basics About Financing Higher Education

By Mathew Jade

Education costs have grown rapidly over the years, and students are finding it increasingly difficult to manage their finances. Funding for education is a challenging task, particularly for high school students who want to attend top-notch universities and unemployed individuals who wish to pursue different lines of work. Instead of settling for mediocre alternatives, you can still aim big by paying for your education in the following ways:

money picture

Education Grants

You may consider applying for financial grants for educational purposes. Students can acquire educational grants from the financial aid office of their universities. The best thing about grants is that you don’t have to pay them back. The only hurdle is qualifying — which isn’t necessarily easy.

Scholarships

Excellent high school students are frequently awarded merit-based scholarships, which also do not need to be repaid. The qualification for these scholarships varies, but often requires the student to have great grades and high scores on scholastic aptitude tests.

Work-Study Employment Plans

Some students work on a part-time basis to generate funds for their education. To this end, you may consider applying to your university to see if employment opportunities are available. The U.S. Government currently provides a 60 percent wage subsidy to employers of students engaged in work-study programs.

Internships and Trainings

On-the-job training opportunities and internships may allow you to to combine class attendance with full-time work. Although internships do not provide big financial compensation, they do allow students to gain practical experience, enabling them to decide about their major and possibly resulting in a job offer from the company they worked for.

Private Loans

By requesting private education loans from your friends and family, as well as from various other private sources, you may be able to cover hefty fees and pay them back in installments. Student loans can usually be arranged at either fixed or compound interest rates, which normally require a financially sound co-signer and a credit check if the loan provider is not satisfied with or unaware of your credit history. Many people believe that it is nearly impossible to repay students loans, but that’s not true; there are organizations that provide counseling for students to help them with their repayment structure.

Tax Breaks

Students may be able to get tax deductions in addition to credits towards tuition, costs, fees, and interest from student loans. However, these options are only available after paying tuition fees, and are more like rebates than discounted tuition. You can learn more about education tax breaks on the internet at government tax sites. Families can also qualify for tax breaks for their children’s education.

Mathew Jade is a passionate blogger who loves to write on Economics and finance-related topics. For further updates follow @Mathew_Jade

 


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Are High-Achieving Students More Likely to Have Eating Disorders?

By Anne Davies

Eating disorders are a major problem in our society – one which is growing all the time. Many blame the unrealistic portrayal of physical ‘perfection’ in the media for the rise, and there certainly seems to be little doubt that a sense of personal physical inadequacy and a need for ‘perfection’ are contributory factors in eating disorder development. Other theorized triggers for the development of an eating disorder include a history of being bullied, a poor social and/or home life, and genetic factors. However, what surprises many is the demographics of those who tend to suffer from eating disorders. Far from being a problem restricted to superficial teenage girls, the eating disorder spectrum encompasses a vast and growing range of people from all walks of life – and high-achieving students are particularly at risk.

students eating

Photo courtesy of Penn State via Flickr

Poor Stereotypes

Eating disorders are, unfairly, considered to be a disease suffered exclusively by teenage girls who are obsessed with their appearance above all else. Indeed, such girls are considered something of a cultural joke – the trope of superficial teenage cheerleaders heading merrily to the bathroom to throw up has been played for laughs many times. This is wrong on the one level – bulimia is a serious illness requiring extensive and intensive recovery. It should not be treated as a joke, no matter who is suffering from it. So ingrained is this stereotypical perception of eating disorder sufferers that many keep the fact that they are struggling with such conditions silent, so as not to be considered superficial. The former Deputy Prime Minister of Britain, John Prescott, revealed in 2008 that he had battled bulimia for ten years without breaking silence, as he was ‘ashamed’ of being high profile, high achieving, and male while suffering from the illness. More worryingly, the public’s reaction to the news proved him somewhat right – while many were sympathetic, others responded with incredulity and ridicule. This is deeply unfair. Not only is it cruel and unnecessary to mock someone with a serious illness, there is considerable evidence to suggest that high-profile high achievers like Prescott (and, on a lesser scale, valedictorians) are more likely to suffer from an eating disorder than many other groups.

Perfectionism

It’s all to do with perfectionism. Perfectionism is either a blessing or a curse, depending upon which aspect of your life you apply it to. Many valedictorians will recognize the urge to get things absolutely right 100% of the time. Being used to being good at academic matters, valedictorians sometimes find it hard to deal when they are bad at something – they aren’t used to it, and therefore haven’t built up the emotional software necessary to take the knocks and build from them. This is great when it comes to achieving in many areas of life – valedictorians are made from the kind of stuff that won’t back down from a challenge, and will persevere at something until they get it absolutely right. However, when one lets that perfectionism leak over into other life areas, things can go wrong – particularly when combined with the tendency to over-analyse which comes as part of the package for many high-achievers. Research is increasingly finding that obsessive perfectionism and over-analysis present a major risk for the development of eating disorders. If you can’t switch off and just let certain aspects of your life ‘be’, then you’ll start overanalyzing and trying to control every little thing, which can quickly lead to one becoming obsessively controlling about what they eat – particularly when combined with internal perfectionist pressure to look a certain way.

(Editor’s Note: Check out an article I wrote about students and perfectionism here.)

Control

High achievers often feel an intense amount of pressure – and it is well known that stress can manifest as disordered eating. When one feels pressured, one often feels that aspects of one’s life are spiralling out of control. An easy way to reassert control over one area at least of one’s life is through controlling one’s diet. One eating disorder which high-achievers are increasingly beginning to suffer from is a condition known as ‘orthorexia nervosa’. This manifests when a person becomes so absolutely obsessed with controlling the ‘purity’ of what they eat that their health (ironically) begins to suffer as a result. The degree of control required to sustain an orthorexic diet is phenomenal to the point of obsession, and ensures that the sufferer’s self-esteem quickly becomes dependent upon their diet. It’s frequently a slippery slope from orthorexia to anorexia or bulimia so, while it is of course very good indeed to watch what you eat and ensure that your food is healthy, if your diet starts controlling your life, take a step back and focus on more important things.

Self-Recognition

Perhaps the worst thing about developing an eating disorder is the impact which it has on the rest of your life. Remember, an eating disorder is primarily psychological – and it leaves little brain space for anything else. As such, your studies will naturally suffer while you battle the condition. It is vital, therefore, that you develop the self-knowledge necessary to recognize if and when your eating habits are becoming problematic. If you catch the tendencies early, and seek help as soon as possible, it will be much easier to break the condition and get your life back on track. Speaking out is the most important thing – no matter what sitcoms like Family Guy may claim, eating disorders are not a joke, and no medical professional or person who cares will laugh at you for having one. Help is available – just remember that your health is more important than your appearance!

The Top 10 Graduation Gifts of 2015

By Hayley Irvin

Graduation is a time to celebrate both our past accomplishments and the potential of the future. For many graduates, eight weeks is all that separates them from the end of high school and beginning of college. Help your graduate to prepare for the future by gifting them something that will useful now and in the future. Here are the top ten graduation gifts of 2015:

Wondering what gifts to get your high school graduate?

Wondering what gifts to get your graduate? (Photo courtesy of Emily Orpin via Flickr)

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Update on The Secrets of Top Students: First Translation!

I’m excited to announce that my book, The Secrets of Top Students: Tips, Tools, and Techniques for Acing High School and College, is now available in Chinese!  It’s being sold in Taiwan and you can find it here.  According to Google Translate, the title is “Gifted students do not stay up late! To get into elite precision Learning: time management, note and sit secret.”  I’m sure in Chinese it sounds a little more elegant.

The Secrets of Top Students in Chinese!

The Secrets of Top Students in Chinese!

In other news, my book is now available on the Staples website.

I’d also like to thank The Study Dude for highlighting my book in The Voice Magazine.

How to Embrace College Culture As a Long Distance Learner

Guest Post

Thirty years ago, the thought that people could someday experience higher education schooling on a personal computer without ever stepping foot in a physical class room would have been unfathomable. It has been transformative in a time when cost and convenience are both matters which would otherwise inhibit one’s ability to access education.

However, some might argue that a great part of the experience can be lost in translation. Many people who attend online universities tend to be uninterested, or feel out-of-touch, with college culture since these people tend to be later-in-life students or have limitations in regards to physical access to an institution – and that’s okay.

But for those who want the social and cultural experiences of college from the comforts of a strictly online education, it can be difficult to do without extracurricular activities on your schedule. If you are unable to attend school at a physical campus and you would like to be more involved in the college lifestyle, here are four ways to do that from a distance.

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Should You Choose a Vocational School Over College? 4 Things to Consider

By Ray Holder

The popularity of vocational schools is on the rise. In the past, once you were done with high school, you had two options.

1 – Get into college
2 – Get a job

In most cases the ones who went to college were the lucky ones who could afford to do so either by means of scholarships or their own financial reserves. The few who weren’t so fortunate were forced to get minimum wage jobs as a way of earning a small income. Today, things are much different.

Over the past decade there has been a significant rise in vocational training institutes. People are slowly realizing that they have a lot to offer. In fact, students are now leaning more towards vocational schools than colleges even though they seem to have the money to be able to pay for a college education. And here’s why:

Time to be Safe

1. Vocational schools save time

If you decide to take the traditional route and get a college degree, you would have to spend 4 years on learning the basics of your area of interest. After 4 years, you are free to study further if you wish to specialize. Depending on what you choose to study, you will end up spending 6 odd years on just getting educated.

On the other hand, should you choose to go with a vocational school you would have quite the opposite experience. Vocational courses last for anywhere between 4 and 18 months, depending on what you wish to study. By the end of the course you are more than ready to land a job. There is never any need for further specialization because vocational courses by design are specialized courses.

2. Vocational schools save money

Since vocational schools don’t go on and on for 4 years they don’t cost as much as college. On an average a vocational course from an accredited vocational training institute would probably cost between $14,000 and $20,000. Don’t be daunted by this figure. This is an estimate of total educational costs taking into account all additional costs. Besides, if you enroll in an online vocational school, you will not have to worry about additional costs like cost of living and accommodation.

College tuitions are through the roof nowadays. In addition to tuition you have to consider living costs and accommodation as well. So all in all, it is cheaper and a lot more convenient to attend a vocational school.

Saving-Money

3. Get hands-on experience and be job-ready

Vocational courses are highly specialized courses. They are designed to do one thing and one thing only—prepare you for your vocation. There are no additional irrelevant classes that you are mandated to take. The entire duration of a vocational course is spent in training and preparing students to ensure that they are job ready by the time the course is complete.

You are given a whole lot of training along with practice time and plenty of opportunities for hands-on experience. You needn’t worry about gaining experience in order to land a decent paying job. Vocational courses will give you all the experience you need.
GetHired

4. Land a job easily

Because vocational courses are so specialized and produce highly skilled and well trained individuals, there is a high demand for vocational school graduates in the job market. Also, a lot of vocational schools have placement programs that set their students up with interviews which always result in employment. Some schools also have ties with companies so a certain percentage of students are hired by those companies after every course. Porter and Chester Institute, a vocational training school that is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC) is one such institute that has a placement program for all students who are interested.

With college, there is never a guarantee that you will land a well paying job or any job at all for that matter. Students struggle to gain experience and this puts them at a disadvantage when it comes to finding employment.

So there you have it, the 4 reasons why you should pick a vocational school over a college education. If you are interested in saving time and money and landing a job in as little as 18 months, you know just what to do!

Resources:

http://lifehacker.com/trade-school-might-be-a-better-choice-than-college-her-1484086007

http://www.porterchester.com/

http://www.educationcompass.com/advice-central/top-5-reasons-to-choose-a-vocational-education/

http://www.school-directory.net/career-options/trade-school-vs-traditional-college.html

 

Ways to Keep Your Parents Sane While You’re Studying Abroad

By Lee Reyes-Fournier

The idea of you studying abroad may be scary for your parents, but the benefits are huge. According to the University of California at Merced, 97 percent of students that study abroad find employment within 12 months of graduation, and 25 percent of those make around $7,000 more annually than those that only study domestically.

Instead of being discouraged from learning abroad, create ways to keep your parents sane and connected with you.

graduation student  open arms to welcome the worldwide job

Keep a Rigid Schedule

The best way to keep your parents from freaking out is to communicate on a regular basis. Know the time difference between countries, and set a good time to talk before you leave.

Of course, this can become difficult if you don’t have telephone or Internet service. However, most large, industrialized cities have available Wi-Fi in Internet cafes, restaurants or stores.

Furthermore, instead of trying to rely on cell phone towers, use Internet platforms like Skype and Google Voice. In rural areas, you may need to be your own hotspot, so try hotspot apps like Cellular Abroad’s MiFi, which has service in 33 countries. Most of the packages are under $100 per month.

Share Your Trip

Your parents want to know that this educational trip is worth the time, money and worry. Sharing your trip pics is a good way to keep them in the loop without needing to call and explain every moment of your travels. Use Dropbox or a similar cloud storage service so that your parents can access photos whenever they want. This allows them to easily see that you are safe as well as all of the cultural, historical, educational and fun things you are experiencing.

Geolocation Tracking

Since the day you were born, your parents always want to know where you are, what you are doing, who you are with and that you are safe. This parental instinct does not change just because you are 21 and no longer live at home.

To help combat your parents’ fears, try a geolocation tracking app like Life360, which can tell you where your family member is within 32 feet. This application works with the GPS and texting systems of the cellphone, allowing you to see where everyone in your network is located. It also has emergency functions, which allow you to send an alert to everyone in the family grid with a push of a button.

Get Names And Numbers

There is nothing more reassuring than a person that will pick up the telephone. No news is not good news for parents, so the University of Northern Iowa’s Study Abroad Center recommends getting contact names, phone numbers and emails for your school, home, embassy and any other important people abroad. Furthermore, it may help your parents relax if they can talk to any of these people before you leave.

Also, register with the U.S. Department of State’s Smart Traveler Enrollment Plan to stay informed with any potentially dangerous situations.

Lee Reyes-Fournier is a psychotherapist with 25 years of experience. She is the award-winning co-author of CoupleDumb.com, which is ranked within the top 1% of all relationship sites. She also co-wrote the book “Dysaffirmations” and is co-host of “Relationship Rehab,” a relationship web series – Science!!


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