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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:
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
Going to college? Give yourself the gift of good grades with The Secrets of Top Students
By Anne Davies
Study and exam-related stress is a problem for many students, whether or not they’re focused on achieving academic excellence, and it’s something that can affect students of any age. Nobody is immune to academic stress, but there are plenty of things you can do to reduce anxiety that centers on studying and exams.

Meditation can help you do better on exams. (Photo courtesy of Grand Velas Puerto Vallarta via Flickr.)
Preparation and Organization
There are several key skills that go a long way towards reducing anxiety, just because they form a solid base of preparation and organization that help you stay focused and stay on top of your workload. Having a comprehensive study system is crucial, and it’s also important that whatever system you develop is one that works for you.
For example, having a good note-taking system is essential for college lectures, but the same system won’t necessarily work for everyone. Some people prefer to write notes by hand, others prefer to use a laptop, and some like to take audio recordings of lectures and write up notes at their leisure. It’s just a matter of trying different methods to find out what works best for you. It’s also useful to determine what your learning style is; some people learn best by listening, some by doing, some by reading or writing, and if you’re trying to force yourself into a style that isn’t optimal, studying instantly becomes less effective and more stressful.
One of the most important skills to have is that of time management: being able to organize your time and use it effectively, prioritizing tasks based on how urgent they are, and sticking to whatever schedule you create for yourself. Without good time management, you’re likely to end up completing assignments at the last minute, losing sleep studying the night before exams, putting yourself through a considerable amount of unnecessary stress, and impairing your academic performance. Study and exam anxiety is often related to lack of preparation, so the key way to reduce that anxiety is simply to create a study schedule and stick with it.
And finally, take advantage of the wealth of apps and programs that have been created for time management and study organization. There are some incredibly useful tools available—many of which are free—that can help you improve your study habits and manage your time more effectively.
Of course, for some people, no amount of preparation can help reduce academic anxiety to a manageable level, so it’s also useful to consider other methods of coping with study-related stress.
Relaxation Techniques
The second aspect is learning how to relax and control your anxiety; and while to some this might seem like the easy part, it’s very difficult for many people. It’s especially difficult when study anxiety isn’t rooted in tangible problems like lack of organization, because when anxiety develops for no apparent reason, it’s harder to manage because there are no concrete ways to solve the root cause. Regardless of the cause of the anxiety, however, there are some techniques that can definitely help reduce anxiety and stress, and all of the problems and symptoms they cause. One of these is meditation—a technique that has become widely used all over the world by all kinds of people, is easy to start, and when practiced regularly, is very effective. There’s more than one kind of meditation, however; for example, there’s mindfulness meditation, guided meditation, Taoist Qi gong, and transcendental meditation. While none are specifically aimed at managing stress, the general consensus is that mindfulness meditation, or Vipassana, is the most effective in this regard. Recent studies show that this kind of meditation can improve cognitive function as well as reduce stress, anxiety, and depression, so it’s perfect for students.
Meditation isn’t going to be possible during a test situation, of course, but there are some related techniques that are perfect for reducing anxiety when it hits. Simply spending thirty seconds or a minute engaging in deep breathing—long, slow breaths in and out—can be very calming. Another useful technique is “mindfulness moments,” in which you take a few seconds to engage with your surroundings by taking note of what you can see, hear, smell, and feel. Engaging your senses helps you feel more grounded, and helps you link back to the calming sensations you feel during mindfulness meditation exercises.
For more tips on relaxation and other study skills, order your copy of The Secrets of Top Students today!
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.
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!
By Alison Stanton
As a college student, you probably feel like you figuratively wear many different hats on any given day. There’s your “in class” hat, your “trying to impress the professor during my oral presentation” hat, the “hanging out in the dorms” hat, and, the ever-popular “heading to my first-ever real job interview” hat.
The trick is to create a stylish wardrobe versatile enough that you’re ready for all of these different situations, without spending a zillion dollars or needing a closet that rivals Ivana Trump’s. Fortunately, it’s more than possible to assemble a fashionable fall wardrobe that won’t require you to take out a massive loan. Here’s where to start.

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Going to college? Give yourself the gift of good grades with The Secrets of Top Students!
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.
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:
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.
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.

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.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