Should College Students Take Unsubsidized Federal Student Loans?

One of the first questions on the mind of any college student when they receive their financial aid award letter is, What is the difference between subsidized and unsubsidizedfederal student loans? Sometimes students are only offered unsubsidized loans and they are puzzled about whether they should accept them are not.

Both subsidized and unsubsidized federal student loans are offered through the Federal Direct, or the FFEL Stafford Loan programs, which are administrated through the federal government. Both types of loans must be repaid. Although the terms and conditions of the loans are set by the federal government (generally making them the best loan options students have), the system is set up so that the actual money comes from and is paid back to private institutions – that means banks.

Now, here's what you really need to know before taking out an unsubsidized student loan.

First, with subsidized loans the government covers the interest payments for you while you are in school and / or in deferment. The loan accrues interest just like any other. You're just not responsible for paying any that accrues before you enter loan repayment on the principle. Students who take out $ 10,000 (for instance) in subsidized loans, find that, six months after they leave school, they basically owe $ 10,000 plus whatever interest that gets charged after they start repayment , whenever that might be.

When you take out unsubsidized loans, you are liable for all the interest that the loan (s) accrue, even while you are in school. While managed and during the deferment period, you will be given the choice of making voluntary payments on that interest. Making payments like this is a good idea if you are able; it keeps you from being charged interest on your interest. If you do not pay along the way, the interest will be added to the principle of the loan. This could mean that you pay a lot of extra money in interest, which is the largest drawback of unsubsidized loans.

On the other hand if you have not gotten any subsidized loans, because you were told you had no need because your parents make too much money or something, there's still a good chance unsubsidized federal loans are the best option for you. Subsidized loans are need-based and unsubsidized loans are not. Your level of financial need gets represented by specific numbers calculated from the information you put on your FAFSA application. Without getting in to all the particulars, students who have greater levels of financial need qualify for subsidized loans that those with less need do not. Even if you have no need at all (according to the governings reckoning) you can still be offered and receive unsubsidized loans.

Knowing the differences between these two types of loans can save a lot of confusion, and a surprising amount of money, for you through your college career. If you are ever in a position where you are being offered a combination of subsidized and …

Details of 6 Universities Offering Online Degrees

Academic excellence is very important in a person’s life when it comes to a job or any opportunity for that matter. Highly acclaimed academicians and reputed institutions agree that online education as well as distance learning does not have any negative or slowing impact on the learning process. They also say that it can actually act as a beneficial factor to the students as educations takes on a whole new digital level when it is conveyed online.

We can safely say that, if online education has reached this level now, it will go even higher tomorrow. The main motive behind the launching of online education was to teach those who are living in remote areas or are restricted to their homes because of some medical condition. During the course of education, it may be necessary that the teacher and the students meet at least once or twice for lessons like labs, or exams. This, in any case will not exceed 25% of the total term of the course.

There are many online universities that provide degrees in many subjects. Here is a list of some.

(1) University of Phoenix

Online degrees offered in- business, technology education, health care and criminal justice.

University of Phoenix is considered one of the most reputed accredited online universities currently. The university guarantees superior education. It has locations in the United States, Puerto Rico and Canada. The university is credited by The Higher Learning Commission and is a part of North Central Association.

(2) Kaplan University

Online degrees offered in- business, criminal justice, information technology, paralegal studies, health care management and nursing.

Kaplan University is one of the pioneering institutes offering undergraduate, graduate and professional career education. They provide professional certificates, unite degrees and bachelor degrees. The university is credited by The Higher Learning Commission of the North Central Association of colleges and Schools.

(3) American Intercontinental University

Online degrees offered in- information technology, visual communication, business administration in marketing, health care and human resources.

American Intercontinental University is one of the largest and most successful online universities in the contemporary world. It has produced some outstanding world leaders in various fields. They offer bachelor degrees and associate degrees. Bachelor degrees are offered in IT, visual communication and business administration. Associate degrees in business and IT. Master’s courses in IT and MBA in marketing, human resources and health care.

(4) Strayer University

Online degrees offered in- business, criminal justice, engineering, web designing, culinary arts etc.

Strayer University was founded in 1948 to provide education to career persons. They offer bachelors degree, masters degree and doctoral degrees. The university is accredited by Middle States Commission on Higher Education, Philadelphia.

(5) Everest University Online

Online degrees offered in- business, information technology, social sciences and criminal justice.

Everest University online is a division of Everest University. They offer a flexible program that permits the applicants to complete the course at ease. Everest University is accredited by the Accrediting council for Independent Colleges and Schools.

(6) Grand Canyon university…

Top 10 Universities in the World

It’s not about the money-it’s all about getting the best quality education. And when it comes to earning your university degree, you may want to set your sights on the following top 10 universities in the world first (please note that course fees are just estimates).

University of Cambridge United Kingdom

Description: One of the oldest universities in the world, it has established itself as the hallmark for academic excellence. It has received a lot of commendations from a variety of world-renowned education organizations, such as the Quality Assurance Agency for Higher Education. Students learn not just by lectures and seminars but also by hands-on experiences.

Famous For: Their age-old buildings, plethora of museums and libraries Course Fees: £3,375 for the first year How to Apply: Submit UCAS and Supplementary Application Questionnaire online. Depending on the department, take a test and undergo an interview.

Harvard University United States

Description: Harvard University is notorious for its law program, but in truth, almost all its departments are extremely popular. Besides being the oldest institution in the country, Harvard is also the alma mater of well-known figures such as John Adams, Theodore Roosevelt, and Al Gore. The university strives to continuously push its students to innovate, learn more, and challenge themselves. Like Cambridge, Harvard is also peppered with libraries and museums, including Museum of Natural History.

Famous For: reputable degrees, such as law and medicine Course Fees: $48,000 a year, including health services, student services, room, and board How to Apply: To be accepted, you must be on the top 10 percentile in your high school class. You should also have a score of 2,080 to 2,370 (SAT) or 31 to 34 (ACT).

Massachusetts Institute of Technology (MIT) United States

Description: When it comes to science and technology, MIT should be first on the list. For hundreds of years, it has dedicated itself to the growth and development of science and technology, among others, primarily through lecture and research. The campus is composed of 34 departments and 5 schools.

Famous For: computer science and engineering programs, research laboratories, and nearness to Harvard Course Fees: roughly $50,000 a year, including books and personal expenses, and room and board How to Apply: Less than 15 percent of the applicants are accepted here. To enter MIT, you have to go through rigorous tests including demonstration of academic competence. You can apply for early decision, wherein you submit your application months before the actual application process.

McGill University Canada

Description: One of the oldest universities in Canada, it is the seat of medical studies and degrees in the country. It has its own hospital and offers a wide variety of medical science-related courses such as occupational health, emergency medicine, diagnostic radiology, anatomy and cell biology, biochemistry, and human genetics. Some of the institutes are Bioinformatics, Biomedical Ethics, Bone and Peridontal Research, and Centre of Genomics and Policy.

Famous For: affordable fees, medical and engineering departments, and highly diversified students and staff Course Fees: C$ 24,000 including insurance, …

Mark Gasnier – Brilliant Career Marred By Controversy

Mark Gasnier was born on July 19, 1981 and raised in Sydney in New South Wales, Australia. He is one of the young and popular professional football players in Australia. He plays for the St. George Illawarra Dragons in the National Rugby League.

He is also known to be the nephew of the famous Rugby League legend, Reg Gasnier. Reg Gasnier is named as one of the 20th century's finest players. After his football playing career, he also became a football coach.

Mark Gasnier played for the Australian Schoolboys team in 1998 and 1999, while he attended high school at the famous Peakhurst High School. He then toured New Zealand with the Australian Schoolboys in 1998.

Gasnier debuted in his junior rugby league playing for the Renown United club in the St George District. Mark Gasnier made his 1st Grade debut for the Dragons in the round 8 of the 2000 season against the Newcastle Knights and made his International debut in a 2001 Test match against the Papua New Guinea Kumuls and scored a try in each match.

In 2004, Mark Gasnier was taken out of the New South Wales State of Origin team because of a harsh and controversial phone message he sent.

In 2005, after trudging himself as the best center of the team, he won the Dally M Center of the Year. In that same year, it was reported that Mark Gasnier would be able to progress to rugby union. Gasnier entertained highly publicized meetings with New South Wales Waratahs Coach, Ewen McKenzie and Wallaby Coach, John Connolly. Nonetheless, he finally signed for a new one year contract, with added one year options for the next four years with the St George Illawarra Dragons. In 2006, he once again won the Dally M Center of the Year.

At the start of 2007 it was reported that Mark Gasnier, together with Jason Ryles and Ben Hornby would captain the St George Illawarra Dragons. Gasnier was moved to five-eighth position for the Dragons, even though he was famous for being the center.

After tackling with Nigel Vagana in the Charity Shield pre-season finals, Mark Gasnier unfortunately tore his pectoral muscle. As a consequence, he was not able to play until July. Gasnier made a big comeback to the St. Louis George Illawarra Dragons on July 21 in the five-eighth position. Fortunately, the team won against the Penrith Panthers with a score of 38 – 20.

He was chosen to play for the Australian Kangaroos in October against the New Zealand Kiwis in Wellington.

Gasnier became the sole captain of the Dragons for the season of 2008. He came back to the center position with Matt Cooper.
He is now chosen to join the New South Wales Rugby league team for the 2011 State of Origin series. …

10 Reasons I Love Marketing

Marketing is the profession I chose in college. Yes, I am one of the few people who is actually working in the field she studied in school!

Why did I choose marketing? Why do I still enjoy it after 21 years?

Here are the Top 10 Reasons I Love Marketing.

(1) It's never boring. No two days are ever the same. Because no two projects are ever the same. And, because no two clients are ever the same. So even if I am doing the same task there are always enough variables to keep in interesting.

(2) It's creative. Marketing is about generating ideas. It's about creating ways to make more, get more and sell more. It's a creative industry, filled with creative, idea-generating people. And I LOVE creating!

(3) I get to learn about all sorts of businesses. Over the past 21 years I have created and implemented marketing plans for clients in every industry imaginable. I've marketed fitness, new cars, new homes, resale homes, newspapers, websites, hotels, restaurants, products, and the list goes on. In the process, I get to learn about each of these businesses and it's fascinating.

(4) It involves writing and I love to write. Writing is one of my favorite creative outlets. To have the opportunity to do it every day in my work is pure joy!

(5) It enables me to have my own business. When I decided I wanted to be home more with my kids, I was able to successfully open my own business because I knew how to market. And, it continues to allow me to successfully open new business ventures.

(6) It lends itself to freelance and independent work. Marketing is not just something you can do in a 9 to 5 job. There are many freelance and independent work opportunities available. Because of this I was able to easily transition from a full-time marketing job to my own business.

(7) I get to meet all kinds of interesting people. From clients, to the media, to production vendors, to partners, to podcast interviewees, I have had the opportunity to meet so many interesting people over the past 21 years. And, I continue to meet new ones every single day. It's awesome!

(8) It's always changing so it keeps me on my toes. It seems they are always inventing new ways to market. In the past two years alone I've had to fully learn about Internet Marketing, Blogging and Podcasting – things I knew nothing about before. I'm telling you, it keeps my brain young!

(9) There are so many facets to a marketing career. Over the past 21 years, I've worked in advertising agencies in production, media and account services. I've been a marketing director on the client side. I've run my own virtual marketing agency, DLC Marketing. And, I've had the opportunity to create and build 10stepmarketing, Twin Connections and now 6FigureWorkAtHomeMom.

(10) It has supported me well over the past 21 years! While I admit I did …

The College Admissions Process – Everything You Need to Know

Do you have a son or daughter that's getting ready to think about life after high school? They probably think the rest of their life hinges on their upcoming quest to find a college, and in a way, it does. But, it does not have to be overwhelming. Here is what you need to know to help them make the right decisions along the way.

First things first, you need to get your son or daughter signed up to take the SATs, ACTs, or possibly both. Look at the required testing for admission consideration for each school. Remember, it is better to over-test than under-test. If their chosen schools want to see either the ACT or the SAT, it may be a good idea to take both tests.

In fact, your son or daughter may want to take the tests more than once, since schools accept your highest scores. If your son or daughter scores higher on the math section and lower on the writing section, they can take the test again and use the highest score on each section to calculate their cumulative score. Since the tests are offered multiple times each year, it's best to start early and test often to get the best test scores you can. SAT and ACT prep classes are also available, and many helpful hints can be found online.

Your son or daughter should also start considering what their high school transcripts are going to do for their odds of acceptance during the admissions process. Adding an honors or advanced placement class, just so long as it will not damage them overall GPA if the class is too difficult for them, is a great idea. Encourage your child to get involved in student government or other extracurricular activities. Admissions departments love well-rounded applicants. Community service, hobbies and jobs can also count in your child's favor when it comes to extracurricular activities. However, make sure their grades stay top-notch while they are diversifying their interests.

The last variable in the college admissions process is in the admissions essay. This is the part of your son or daughter's application that lets admissions officers get to know them better as a person. It is critical that the essay has no grammar or punctuation mistakes. A great essay lets you hear the writer's voice clearly. It is best to have the essay proofread by a few different people, if possible. An English teacher and a guidance counselor would be ideal as proofreaders.

It is also important to remember one last vital element to the college admissions process: your emotional support as a parent. High school students have a lot of social pressure on their shoulders to begin with, and the college admissions process is a huge step in their lives. Make sure your son or daughter knows that they can turn to you for support, regardless of whether they're going to an Ivy League school or a community college. Your support will help them make the most …