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Education News and Views
Posts Tagged ‘financial aid’
Tuesday, February 2nd, 2010
The Big Book of Scholarships and Financial Aid is a wonderful guide to helping students find the funding they need to begin their graduate career. Review Copies are now FREE.
(EMAILWIRE.COM, February 02, 2010 ) Fort Lauderdale, FL
With students wanting to attend graduate school desperate for money, Sheila Danzig, director of Degree.com (http://www.degree.com/ the Premier Internet Portal for Online) has steered the website towards helping students find an alternative to the turmoil of traditional education –online study as well as finding hidden sources for funding by offering a FREE review copy of The BIG BOOK.
With her expertise in the way of financial aid, Professor Danzig has accumulated a book that will help students find the proper funding they need in order to further their education and, inevitably, advance their careers. The Big Book of Scholarships and Financial Aid was designed to include a list of scholarships and different outlets of financial aid for students on their way to graduate school. The book isn’t an exhaustive list, by any means, but it does offer a great deal of insight into what’s out there for students. You’d be surprised the amount of work students put into finding aid without actually acquiring the financial stability they need to even apply to graduate school, let alone finance their education.
Professor Danzig has pooled a great number of resources from all over the nation in order to prepare students for the work they’ll have to do as they begin their search for financial aid. She’s found aid particular to states and to professional concentrations, all relevant to the fiscal needs of each student who decides to take a gander at the book. There are scholarships available for those who are veterans, for those nontraditional students (mothers returning, the elderly, etc.), and, of course, those scholarships that are directed towards those students with exceptional academic merit –GPAs upwards of 3.0.
Professor Danzig makes it clear that every state offers its students a way to acquire the funding they need in order to get the degrees they seek. For those students whose professional focus is engineering, for instance, there is money available in most states. Many graduate schools offer concentration specific fellowships that pay for a student’s entire education –a fact that isn’t explicitly pointed out in the Professor Danzig’s book; however, is a point that is important to make. If you’re unable to find a scholarship that fits your needs in The Big Book of Scholarships and Financial Aid, you’re sure to be able to find a Degree program that will offer you the financial aid you need.
Professor Danzig’s book was designed to help those students who need it most get the funding they need to get the education they deserve. And with the special offer running right now at Degree.com, you’re able to download this wonderful book of options for free at http://degree.com/free-downloads.htm. Don’t get trapped without enough money to further your education. The Big Book of Scholarships and Financial Aid is a wonderful guide to the kind of money available to you.
Tags: degree, financial aid, online study, scholarships, Sheila Danzig, www.degree.com
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Friday, January 29th, 2010
The newly proposed regulation regarding federal aid and measures of defining gainful employment against some other variables, have faced great criticism. In light of the situation, the team negotiating – which holds the final word – needs to act fast.
(EMAILWIRE.COM, January 29, 2010 ) Fort Lauderdale, FL
The team of negotiating panelists representing colleges, administrators and students rejected the newly proposed regulations released by the U.S. Department of Education on 15th January. What kind of intervention is needed to resolve this stalemate?
Recently, the draft proposal by the U.S. Department of Education was greatly disregarded by a team of negotiators representing all sectors of higher education. The proposal suggested that a maximum ratio between vocational degree program graduates’ debt repayment burdens and their annual salaries be put into place in order to determine whether such programs prepare their students for what would be termed as ‘gainful’ employment. The two parties involved are still trying to iron out some issues in order to find common ground.
According to Inside Higher Ed the Department apparently ‘stepped back from its suggestion to link programs’ tuitions with the salaries of their graduates’ attempting to develop the new rule based on debt and salary. Although the original suggestion was arguably in sync with the desired ends, major concerns arose. The proposed new rule advocates for a maximum of 8 percent of a recent graduate’s annual income towards debt repayment load for graduates of vocational programs and most for-profit offerings.
The Department’s proposal was somewhat in line with the Obama administration’s plan to restrict borrowers’ maximum annual student loan repayment to 10 percent of a graduate’s discretionary income, considering the team met on the same day that these plans were made public.
Critics however questioned the U.S Department of Education’s authority in dictating price control mechanisms; claiming that such responsibilities should be left to Congress and Mr. President. “President Obama has the good sense to maybe send a message to the department that it’s a legislative issue,” remarked a disappointed and very vocal representative, “not a regulatory issue, and that he proposes a law to do this, not a regulation.”
Sheila Danzig, founder of Degree.com, http://www.degree.com, the premier internet portal for online study, revealed that other panelists did not only question the department’s authority on such a matter but also had a long list of other unintended consequences which would advocate for the scrapping off of the proposal.
As reported, supporters of the proposition argued that, “Although loopholes and consequences might arise, neither should deter us from forging ahead, in regulating a definition of gainful employment for vocational programs… We need to leave this table with something to help students…. Right now the burden is on students and we need to alleviate that.”
Financial Aid seems so hard to attain nowadays, especially considering such stand-offs which leave many Americans uncertain of the next step or course of action to take in order to earn a college degree, on line or traditionally. The good news is that a FREE copy of THE BIG BOOK OF SCHOLARSHIPS AND FINANCIAL AID is available for a limited time for download at http://degree.com/free-downloads.htm. The offer maybe withdrawn at any time so download it today so your dream degree can become affordable.
Tags: degree, earn a college degree, federal aid rejected, financial aid, help college students, higher education, on line
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Friday, January 29th, 2010
The Congress coupled with the credit crunch have made it very difficult to secure finance for funding higher education but students can depend on filling the FAFSA to acquire scholarships and grants, Stafford loans, Federal PLUS loans and as a last resort
(EMAILWIRE.COM, January 29, 2010 ) Miami, FL – The current economic crunch and recent congressional action have caused lending institutions to shrivel up and meet their demise. Which viable options remain for students to get funding for college?
Tuition, room and board costs for the most expensive school in the US averages at $50,000 annually. When it comes to private colleges the same annual bill amounts to an average of $34,000 while for public universities the figure stands at $14,000 – these are no small sums for parents to come up with in a deep rooted recession. Accredited distance learning assumes the same tuition costs for the “brick and mortar” colleges but is a lot cheaper since students leave at home while undertaking on line studies disregarding cost for room and board. And that is just undergraduate studies.
Graduate school presents an even more difficult problem. A graduate degree is more and more important in this economy and it is harder and harder to get financial aid for those programs.
In the recent past, parents defrayed their children’s higher education by securing loans against their assets, for instance, home equity was the most common one but they have greatly been devalued. Reports by various college funding consultancy firms, especially those working with high income families claim that, “Even parents who thought they were fully funded for college are now trying to determine how to fill these gaps.”
Students are left with no other option but to borrow. The congressional action together with the credit crisis has led to the great imbalance in the lending industry over the past two years. Perhaps the biggest blow that hit the lending industry is when Congress froze subsidies to private lenders that issue government-supported loans through the Federal Family Education Loan Program.
The hard blow has seen to it that 45 creditors have stopped issuing private loans and over 160 creditors suspended (temporarily or otherwise indefinitely) their federal loan programs, according to Sheila Danzig, founder of Degree.com, http://www.degree.com, the premier internet portal for online study. She goes on to add that the key provision in the new budget by the Obama administration is bent on ensuring that students borrow from the government directly through their colleges hence eliminating the private organizations which also provide the service.
Borrowers will need to apply wits in securing finance for funding various degree programs. Firstly, they should fill out the FAFSA (Free Application for Federal Student Aid) which opens a doorway to scholarships and grants. Many families complain that the form is too long, complicated and requires providence of sensitive (financial) information. Even if you don’t require the aid now, it is good insurance for the future in an uncertain economy such as this.
Secondly, consider the government-backed Stafford loan even if you don’t qualify for the subsidized version as this one is available to all, irrespective of family income or credit score. It also has a reasonable fixed interest rate of 6.8%.
The third option would be taking the Federal PLUS loan which allows students to borrow up to the full amount of tuition and board. It has minimal credit requirements and payment may be deferred until graduation, however interest would accrue.
The last resorts would be home-equity (even with the devaluation of real-estate) and private loans – as hard as they may be to find and secure.
For a FREE book on Scholarships and Financial Aid go to http://degree.com/free-downloads.htm
This book sells at Amazon for $19.95 so download it now. We do not know how long the free offer will last.
Tags: accredited distance learning, college students, degree programs, financial aid, higher education, on line studies, smart borrowing
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Tuesday, January 19th, 2010
Though the stimulus package does help those students reach for higher goals, encouraging them to acquire higher level degrees, it misses the boat when it comes to helping students get out of loan trouble.
(EMAILWIRE.COM, January 19, 2010 ) Fort Lauderdale, FLPresident Obama has created a stimulus plan to help students focus all their concentration on their education (as opposed to the pain that they have to constantly suffer at the hands of the university collections department). However, as much as the plan has reached many students, helping many fulfill their academic destinies, it does have its shortcomings that many people don’t even realize, let alone talk about.For many students, the package is in place to allow them get the degree that they need to make a name for themselves as soon as they finish their education. This money most aptly goes to those students whose goal it is to acquire an advanced degree –a Bachelor’s degree just doesn’t cut it anymore. Now, the truth is the plan was put in place to encourage more students to continue their higher level education; as such, the money that is being given to students mostly goes towards those who are getting degrees beyond their Master’s. And even for those who are attempting to reach Doctorate or Professional status, there is most definitely a hierarchy amongst the concentrations. Because there is such a desire for nurses, teachers, and IT professionals, the bulk of the money is reaching those departments. It is a much more lucrative idea to attempt to acquire a Master’s in information technology than, say, a Master’s in English Literature.As much as this plan is doing its part to encourage students to reach for the stars, the problem comes after all the classes have been taken, the degrees awarded, and the titles given. Most students have had to apply for loans to fund a portion or all of their education. Depending upon whether or not the student gets employment with a business that offers loan forgiveness, that student will be paying well into their 30s until the loan has been cleared. What the stimulus plan covers in terms of loans are those people who have used loans to pay for a mortgage, a car payment, or any number of expenditures that may or may not have been a direct result of someone’s irresponsibility. Students, on the other hand, are given the short end of the stick. The stimulus package ignores a very fundamental problem amongst students –their inability to go through school without having to worry about excessive debt.The plan does cover certain aspects of education; however, it fails to give help to those who have been directly indoctrinated into the capitalist ideologies of the United States. The cry has been to get as high a degree as you can to become an active member of society; however, in order to even begin to land on one’s feet, he needs to ensure that his credit isn’t in jeopardy. Yes, the stimulus plan does help those students who deign to earn a degree befitting a professional. But the fundamental problem is that students aren’t given the same priority as those who may or may not deserve a second (or third, or fourth) chance.To help with Financial aid Sheila Danzig, director of www.Degree.com is offering THE BIG BOOK OF COLLEGE SCHOLARSHIPS AND FINANCIAL AID which sells for $19.95 on Amazon – as a FREE download athttp://degree.com/free-downloads.htm Go there now as we do not know how long this offer will last.
Tags: bachelor's degree, degree, financial aid, scholarships, www.degree.com
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Monday, January 11th, 2010
The Congress coupled with the credit crunch have made it very difficult to secure finance for funding higher education but students can depend on filling the FAFSA to acquire scholarships and grants, Stafford loans, Federal PLUS loans and as a last resort
(EMAILWIRE.COM, January 11, 2010 ) Fort Lauderdale, FL
The current economic crunch and recent congressional action have caused lending institutions to shrivel up and meet their demise. Which viable options remain for students to get funding for college?
Tuition, room and board costs for the most expensive school in the US averages at $50,000 annually. When it comes to private colleges the same annual bill amounts to an average of $34,000 while for public universities the figure stands at $14,000 – these are no small sums for parents to come up with in a deep rooted recession. Accredited distance learning assumes the same tuition costs for the “brick and mortar” colleges but is a lot cheaper since students leave at home while undertaking on line studies disregarding cost for room and board.
In the recent past, parents defrayed their children’s higher education by securing loans against their assets, for instance, home equity was the most common one but they have greatly been devalued.
Reports by various college funding consultancy firms, especially those working with high income families claim that, “Even parents who thought they were fully funded for college are now trying to determine how to fill these gaps.”
Students are left with no other option but to borrow. The congressional action together with the credit crisis has led to the great imbalance in the lending industry over the past two years. Perhaps the biggest blow that hit the lending industry is when Congress froze subsidies to private lenders that issue government-supported loans through the Federal Family Education Loan Program.
The hard blow has seen to it that 45 creditors have stopped issuing private loans and over 160 creditors suspended (temporarily or otherwise indefinitely) their federal loan programs, according to Sheila Danzig, founder of Degree.com, http://www.degree.com, the premier internet portal for online study. She goes on to add that the key provision in the new budget by the Obama administration is bent on ensuring that students borrow from the government directly through their colleges hence eliminating the private organizations which also provide the service.
Borrowers will need to apply wits in securing finance for funding various Degree programs. Firstly, they should fill out the FAFSA (Free Application for Federal Student Aid) which opens a doorway to scholarships and grants. Many families complain that the form is too long, complicated and requires providence of sensitive (financial) information. Even if you don’t require the aid now, it is good insurance for the future in an uncertain economy such as this.
Secondly, consider the government-backed Stafford loan even if you don’t qualify for the subsidized version as this one is available to all, irrespective of family income or credit score. It also has a reasonable fixed interest rate of 6.8%.
The third option would be taking the Federal PLUS loan which allows students to borrow up to the full amount of tuition and board. It has minimal credit requirements and payment may be deferred until graduation, however interest would accrue.
Another option would be home-equity (even with the devaluation of real-estate) and private loans – as hard as they may be to find and secure.
The good news is that a FREE copy of THE BIG BOOK OF SCHOLARSHIPS AND FINANCIAL AID is available for a limited time for download at http://degree.com/free-downloads.htm
The offer maybe withdrawn at any time so download it today.
Tags: accredited distance learning, degree, financial aid, free downloads, on line studies, scholarips, www.degree.com
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Friday, December 11th, 2009
Colleges are helping students reduce their debt by the time they graduate by teaching them the about credit cards debt. One program cancels a percentage of student loans replacing them with grants
(EMAILWIRE.COM, December 11, 2009 ) New York, NY – Syracuse University canceled part of Ms. Jiminez’s loan and gave her a grant. In return, she has to attend financial training sessions each semester.
The federal credit-card law passed recently (during spring) requires colleges to provide basic education about credit cards and debt as part of their orientation program for new students. This has caused financial literacy programs to be implemented in both traditional and online colleges. Syracuse University seems utterly concerned about how much debt students have taken upon themselves in order to complete their various degree programs and it is evident from the unique – if not unusual – approach they have implemented.
Sierra Jiminez, now a junior was keen on borrowing more than $44,000, majority of the amount in form of private loans, to sponsor her first half of college. Last winter she got news that Syracuse University had cancelled her private loan amounting to $8,119 for the spring semester having replaced it with a simple grant. Perhaps the best part of the deal was that she would continue getting the grant for all remaining semesters for the rest of her years in the institution. Ms. Jiminez intends to borrow a maximum of $12,500 this year: in form of federal loans –having better rates than the private loans.
According to Sheila Danzig, founder of Degree.com, http://www.degree.com, the premier internet portal for online study, “This new Money Awareness Program, or MAP, targets students having very high debts.” It is a measure the university has put into place to ensure that talented students with financial constraints are able to graduate. Prior to receiving the grant from MAP, this student had received significant other grants but she still stands to graduate with a hefty debt which will stand at approximately $60,000. 63 percent of Syracuse graduates exit with an average debt amounting to $28,500; this indicates Jiminez a unique and unfortunate outcome. The program has helped her reduce her borrowing still: she says she is able to manage her money better.
Becky Rose, a loan education specialist who contributed to design the program says, “We’ve stopped saying it [teaching students about their finances] should be done by someone else.”
The financial-aid staff at Syracuse handpicks students who qualify for the program by considering students, for instance sophomores, who have multiple sources of private or federal loans. They also check financial income of the family.
Once selected, the staff returns part of what the students had borrowed to the lenders replacing that money with university grants. Shortly after, they send emails to the students and their revealing how the program works. Currently there is no maximum amount that students can receive per se, but they receive an average between $5,000 and $7,000 annually.
Measures should be implemented to assess the effectiveness of the program, seeing that the university plans on running it indefinitely. Student debt level after degree course completion and graduation rates would be a good start.
Tags: financial aid, Sheila Danzig, student loans, www.degree.com
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Wednesday, December 9th, 2009
Online review copies of THE BIG BOOK OF COLLEGE SCHOLARSHIP AND FINANCIAL AID INFORMATION are now from Shelia Danzig, author of ONE YEAR TO A COLLEGE DEGREE.
(EMAILWIRE.COM, December 09, 2009 ) New York, NY – With finances tightening and students facing more hurdles to get funds for college Sheila Danzig has written a new book of little known sources of scholarships and financial aid. In an attempt to help these students find financial aid for their studies Sheila Danzig is offering the $19.95 book, THE BIG BOOK OF COLLEGE SCHOLARSHIP AND FINANCIAL AID INFORMATION. for for a limited time at http://www.degree.com/free-downloads.htm/ All the reader needs to do is promise to send back a review of the book after they read it.
Money exists for campus based colleges and online degree programs.
The project sponsored by Degree.com, http://www.degree.com/ the premier Internet Portal for online study.
Simply to to http://www.degree.com/free-downloads.htm/ now as this offer can be withdrawn at any time.
Tags: degree, financial aid, one year to college degree, online study, Sheila Danzig
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Monday, December 7th, 2009
With the increase in federal financial aid from Pres. Obama’s stimulus funding, more people are able to attend college than ever before.
(EMAILWIRE.COM, December 07, 2009 ) Fort Lauderdale, FL With the push towards improving the education climate in the United States, Pres. Obama has made stimulus funding available to more people than ever before. Financial aid is not just relegated to high school aged graduates. Single parents, displaced workers, career changers, and nontraditional students are eligible for free financial aid in the form of specialty grants, student work study, and Stafford or Plus loans. This increased financial aid has brick and mortar two-year and four-year universities groaning at the seams with enrollment figures. The available educational funds combined with fully maximized university enrollments makes online education an attractive option for many.
It’s very simple for prospective students to qualify for financial aid. Federal financial aid can be used for all accredited distance learning degree programs. All students must either go online to fafsa.gov or to the prospective university’s financial aid office to pick up a Free Application For Student Aid form. There is approximately $200 million set aside by the federal government for Pell grants. These are especially helpful for students from low income families. Over originally in the amount of student could qualify for was $4730. It has now been increased to almost $5500.
There’s also another $200 million of the stimulus funding set-aside for the student work study program. The work study program allows students to work from 16 to 20 hours a week often in a field closely related to the students major. The work study program is an attractive option to students pursuing an online degree. Quite often students can work as virtual assistants to an instructor from their prospective college. If the online work-study option is not available, many students can finds part-time employment sponsored by community businesses willing to participate in the federal study outreach program sponsored by their university.
Accredited distance learning programs are eligible not only for Federal financial aid, but for several tax credit breaks as well. Prior to 2009, the maximum that financial aid recipients could claim for the Hope tax credit was $1800. It has now been increased to $2500; covering tuition and fees. Instead of two years, the Hope tax credit can be claimed for four years. For a family with more than one family member attending college full-time, the tax credit could put much-needed money back into the family budget.
Sheila Danzig, Director of Degree.com, http://www.degree.com/ the premier Internet Portal of on line studies, isn’t surprised with the increase in financial aid during these rough times. Though many jobs have been lost with the recession, Ms. Danzig insists that people will need a college degree more than ever before. Healthcare occupations, information technology programs, and “green” environmental jobs require more training for people than a traditional vocational certificate.
Though there has been trouble in the banking industry, people who choose to back-to-school will find that funding their education is easier than it’s ever been. Whether it is a traditional two-year, four year, or post-graduate degree, it is a safe bet that there is enough money to cover it all.
Danzig has also made review copies of her book, THE BIG BOOK OF COLLEGE SCHOLARSHIP AND FINANCIAL AID INFORMATION available FREE online at http://www.degree.com/free-downloads.htm
This is a limited time offer so please download it today.
Tags: accredited distance learning degree programs, college degree, degree, financial aid, online education, www.degree.com
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Thursday, November 5th, 2009
Priceless Find For Scholarship Hunters and Financial Aid Seekers: A Free Review Copy of 200+ Page College Money Sourcebook
(EMAILWIRE.COM, November 05, 2009 ) Fort Lauderdale, FL – With finances tighter than ever for families and students, a new book outlining many little-known sources of scholarships and financial aid unlocks a treasure chest of opportunities for college funding. Even better, for a limited time a downloadable copy of the book, which sells for $19.95 on Amazon.com, is available at no cost to any interested person who promises to send back a review of it (http://www.degree.com/free-downloads.htm ).
More than 200 pages long, The Big Book of scholarship and Financial Aid Information includes information on special scholarships and financial aid resources available from the federal government, for residents of 39 states, for those who have been in the military, for Canadians and for those from outside of North America. It also provides a general overview of opportunities and procedures to obtain student aid, reduce college debt and find scholarships.
“We believe the book is the most extensive, up-to-date compilation of scholarship and financial aid available,” says author Sheila Danzig, founder of Degree.com, www.degree.com the premier internet portal for locating online colleges. “Because we’re eager to receive additional feedback on it from those out hunting for funding for their college degree, we’re offering it as a free download for a short amount of time.”
One early reader, Tariq Mizra, delivered this assessment: “Incredibly informative and superbly compiled, the Big Book of College Scholarships and Financial Aid offers convenient access to key information about all sorts of financial aid programs available in the U.S., even for international students like me.”
The free download is sponsored by Degree.com, an Internet portal for online distance learning degree programs whose mission is to help as many students enroll in college and achieve better jobs and a better life.
“I’m not sure how long the free download will remain available,” notes Danzig, “so be sure to download your copy today.”
The Big Book of College Scholarships and Financial Aid can be downloaded at no cost at http://www.degree.com/free-downloads.htm .
Tags: college degrees, college fi, college financial aid, college scholarships, degree, education, financial aid, online learning, online studies, scholarships
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Tuesday, October 20th, 2009
A little known sources of scholarships and financial aid available online FREE for a limited time. Getting that traditional degree or an online degree just got easier.
(EMAILWIRE.COM, October 20, 2009 ) Fort Lauderdale, FL – With finances tighter than ever for families and students, a new book outlining many little-known sources of scholarships and financial aid unlocks a treasure chest of opportunities for college funding. Even better, for a limited time a downloadable copy of the book, which sells for $19.95 on Amazon.com, is available at no cost to any interested person who promises to send back a review of it (http://www.degree.com/free-downloads.htm ).
More than 200 pages long, The Big Book of scholarship and Financial Aid Information includes information on special scholarships and financial aid resources available from the federal government, for residents of 39 states, for those who have been in the military, for Canadians and for those from outside of North America. It also provides a general overview of opportunities and procedures to obtain student aid, reduce college debt and find scholarships.
“We believe the book is the most extensive, up-to-date compilation of scholarship and financial aid available,” says author Sheila Danzig, founder of Degree.com. “Because we’re eager to receive additional feedback on it from those out hunting for college funding, we’re offering it as a free download for a short amount of time.”
One early reader, Tariq Mizra, delivered this assessment: “Incredibly informative and superbly compiled, the Big Book of College Scholarships and Financial Aid offers convenient access to key information about all sorts of financial aid programs available in the U.S., even for international students like me.”
The free download is sponsored by www.Degree.com, an Internet portal for online distance learning degree programs whose mission is to help as many students enroll in college and achieve better jobs and a better life.
“I’m not sure how long the free download will remain available,” notes Danzig, “so be sure to download your copy today.”
The Big Book of College Scholarships and Financial Aid can be downloaded at no cost at http://www.degree.com/free-downloads.htm .
Tags: degree, degree programs, financial aid, online degree, scholarships, Sheila Danzig, www.degree.com
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