Private Student Loans Can Be an Education Safety Net

College students have all the necessary expenses accrued by any non-student: Food, clothing, housing, utilities, transportation, fuel, medical expenses, and a little allowance for recreation. But, they also must consider tuition, expensive text books, basic supplies, lab fees, student union fees, fraternity or sorority dues, and other costs associated with campus life.

A laptop computer, connectivity fees or equipment (air cards or cable hookups if the student is living off campus), special calculators, and a cell phone are more and more becoming requirements in daily life, and especially so for the college or university student. Students and their parents, or other benefactors, should sit down and draw up a monthly budget considering all the expenses and circumstances mentioned above as well as any considerations particular to a specific student. A handicapped student, for instance, will have a number of different issues to deal with.

Starting the School Year Right

Along with deciding which school they might like to attend, students should be heavily weighing how to finance the four years (or maybe even beyond) they will be probably be spending away from home. High school guidance counselors are well-equipped to steer students to the college or university that will best support their life and career ambitions. They are also well-equipped to help students figure out where the money will come from to help them afford their time at a particular institution of higher learning. Costs vary widely and wildly from institution to institution. The student should also recognize that taking a part-time job during the school year, and a full-time job during the summer, could or should be a part of their school life.

Show Me the Money

In an ideal world, the student will have been tucking away money from jobs held in high school to put toward their education. Smart parents will have been squirreling away money to help offset higher education costs. Many banks offer certain savings programs with special conditions to assist students. These types of accounts are available to both parents and children to set up. Any student should exhaust all avenues to get any money, no matter how small. These can be in the form of scholarships, federal student loans, grants, government agency programs, and the list goes on. Even churches or local charities sometimes gather funds to help get their senior high schoolers off to a good start on the road to a higher education.

Private Student Loans

In spite of all this help, a school budget can still turn up wanting. A private student loan may be the answer to supplement the accrual of cash from other sources. First, much shopping should be done to find a lender who will offer the best rates and terms. These can vary widely from lender to lender so a little prudence in shopping can save a lot of money. The student will have to undergo a credit check, as will the co-signers, if any, for the loan. And the student should understand that … Read More

Why You Should Deliberately Use Systems Thinking in Education – Successful Instructors Already Do!

Why You Should Deliberately Use Systems Thinking in Education - Successful Instructors Already Do!

image source

Should Systems Thinking be part of Education? A resounding YES is the answer. Besides the wonderful things it does for students – like improving analysis, evaluation, and creative skills – it is simply the way we think and learn.

Any instructor who has had good success with their craft will tell you that ‘routines and procedures’ are an important part of setting up for good instruction. The students know what to expect, when, and how. They have a good idea of how the social culture of the classroom operates, what is expected of them, and how to go about doing well in their course and more. That is good instruction. That is also an example of the use of systems in education.

Of course, the many and multi-faceted uses of systems thinking in education and instruction goes further than what has just been explained, but the greatest power of systems in education is in the simple structure of routines and procedures and basic instructional patterns.

Think about this: anyone who has ever worked in an environment in which you did not know the expectations, when things are to be done, how they should be done etc knows the ultimate frustration that results. You know you are in some sort of system, but you cannot see it or seem to learn about it.

Systems thinking is most powerful when it is about using knowledge of the systems surrounding us and making clear how those systems operate so that we can use leverage to gain more from them. This becomes very clear in any comprehensive approach in which systems are utilized for maximum instructional and learning gain!

Systems already have a place in education. They just need to have their place clarified and consciously utilized so that we can gain more and, benefit more. There is a good deal more to say on this subject and much more, I will say. Systems thinking in education is a wonderful field that can be used with conscious effort for excellent and very beneficial results.

Try deliberately using systems in anything you teach today! Start by thinking about the ‘whole’ rather than the fragments, parts, or bits of knowledge you want to impart. Come at your instruction by first making a picture in the learner’s mind of what the ‘entire’ concept is all about and how the parts fit together. When you have this communication in place, the fragments, parts, and bits have a place to land! A sticking point, I call it. When learners have frameworks in place, they can learn, store, and recall with much greater ability. Your job is to communicate the system. Good instructors have been doing this forever.… Read More

The TEACH Grant May be A great Source Of Funding To Help With the Price Of An Education Masters

The TEACH Grant May be A great Source Of Funding To Help With the Price Of An Education Masters

image source

For anyone who is considering about your Master’s degree in Education, you might be wondering how you might be going to fund this endeavor. A Master’s degree is usually necessary inside the field of education, particularly for those who have been teaching to get a few years currently. Unfortunately, if your employer doesn’t subsidize the total cost of your education, or in case you are pursuing graduate studies suitable after graduation out of your Bachelor’s plan, you could possibly be experiencing some economic worries. The federal TEACH grant can be capable to assist you together with the expense of your education if you meet particular qualifications.

TEACH stands for Teacher Education Help for College and Higher Education. These grants come in amounts of as much as $4,000 per academic year, and it’s not based completely on monetary neediness. Rather, TEACH grants are made accessible to educators willing to commit to serving low-income, high-need places as designated by the federal government.

To qualify for a TEACH grant, you need to be a US citizen who plans to take coursework related to becoming an educator. Applicants has to be enrolled within a postsecondary institute that chooses to participate in TEACH. You also should meet academic needs for instance a GPA of three.25 or superior or scoring above the 75th percentile in an admissions test so that you can obtain TEACH funding.

When you’re granted a TEACH award, you’re entering into an agreement with the federal government. This agreement states that within eight years of graduating in the plan for which you received TEACH funding, it’s essential to total a complete four years of providing public or private elementary or secondary education in an authorized high-need location. The community in which you teach have to be a federally-designated low-income area.

The high-need areas presently specified by the federal government are bilingual education, foreign languages, math, science, specialized reading instruction, and secondary education. These are areas in which there is certainly presently a shortage of teachers, so these high-need locations are topic to transform. You may overview a a lot more detailed listing, which contains state-by-state shortages as well as certain schools which are experiencing teacher shortages, by accessing info by means of sources on line.

If you are awarded a TEACH grant but you neglect to serve for four years inside a designated high-need field inside a low-income region, you’ll be topic to repaying your TEACH grant. The grant are going to be converted into a Federal Unsubsidized Stafford Loan. You will be accountable for paying back interest on every grant since the date of its disbursement.

If you consider which you might be in a position to meet the requirement of a TEACH grant, check in with your monetary help workplace to ensure your college is often a TEACH participant. You will need to also submit your FAFSA inside a timely manner. FAFSA stands totally free Application for Federal Student Help, and it truly is offered on the first of … Read More

Is a 504 Plan Enough to Help My Special Needs Child?

Is a 504 Plan Enough to Help My Special Needs Child?

image source

Section 504 is a Federal Law that provides for accommodations for people with disabilities. The law requires that any entity receiving federal funding must accommodate people with disabilities. Public schools fall under this category. The accommodations must provide for access to the program. So, what does that mean? Well, that means that any student with a disability or suspected disability should be provided with accommodations or services to allow that student to access and make progress in the program.

I have worked with many students that are on Section 504 Plans. Yet when I start to talk to their parents about the plan, many of them don’t know what it is or what it’s supposed to do. They sometimes think it is an IEP (Individual Education Program). It’s not. The 504 plan only provides accommodations and sometimes services to allow the student access. For example: If a student has a physical disability and is confined to a wheelchair, the school would provide ramps, elevators, adaptive equipment (wheelchair accessible desk) and services could be physical therapy or an assistant to help the student to navigate throughout the school. There is no educational component to the plan as there is in an IEP. If the disability affects the student’s ability to learn and make progress in the curriculum and the student needs specialized instruction, then the student should be on an IEP.

Some accommodations that can be found on a 504 plan are:

  • Preferential seating
  • Opportunities for movement
  • Extra time on assignments and tests
  • Separate testing area
  • Extra set of books
  • Lecture notes provided
  • Large assignments broken down
  • Extra time to get to and from classes
  • Use of a calculator

This list is just a small sample of accommodations that can be listed on a plan. The accommodations should assist the student and should be reviewed and changed, if necessary, once a year. If you feel that the accommodation plan is not sufficient to help your child, reconvene the team to determine if your child in fact needs an IEP.

Teachers are supposed to follow this plan and provide the accommodations listed, however, don’t assume that the teacher can know every child on every plan. I always recommend to my clients that they meet with the teacher at the beginning of the school year. Usually a few weeks after school starts, call and request a meeting with the teacher(s) and the guidance counselor. Bring a copy of the 504 plan with you and talk to them about your child. Explain how your child learns and what he needs. Make sure that you explain that you are there to help and not to complain. I find that teachers appreciate parents that are involved and care about their children. Teachers find it very helpful to get a better picture of a child than what is written on a 504. Also, plan to meet with the teacher in the middle of the school year to see how things are going. But provide the … Read More

The Awkward Like Songs of J Alfred Prufrock, the Catcher inside the Rye, and Smells Like Teen Spirit

The Awkward Like Songs of J Alfred Prufrock, the Catcher inside the Rye, and Smells Like Teen Spirit

image source

The word “wooing” doesn’t get utilized pretty much any longer. Not only simply because the word itself sounds outdated, but for the reason that the relationship scene has changed a tad over the final hundred plus years.

Newfound social flexibility has taken many the ritual out of appreciate, that is good when you never would like to be exchanged for the neighboring villager for a goat but less fantastic when you’re attempting to determine how lengthy to wait before you call somebody back. Or what to say whenever you do get in touch with. Or whether there is anything to call about in the first spot. OR, dare we speculate, in the event the get in touch with could somehow result in marriage, young children, as well as a fixed 10/30 mortgage.

Suffice it to say that the relationship between modernity and adore is “complicated.” In case you struggle with today’s mating rituals, raise a toast to these awkward wooers across the twentieth-century: J. Alfred Prufrock, Holden Caulfield, and Kurt Cobain. Furthermore to becoming tongue-twisted, evasive male lovers, all three figures arise throughout especially fat and content occasions in American history – which absolutely does not aid when you already feel like a loser.

J. Alfred will be the original guy awkwardly crushing around the girl in the celebration. His complete 132-line “love song” is really a speculation about regardless of whether or to not method his enjoy interest, whose identity he doesn’t even possess the guts to divulge. There are lots of alternate interpretations on the Love Song of J. Alfred Prufrock, such as the following:Prufrock approaches the lady he loves, loses his nerve, and gives up with out saying anything.

Prufrock wanders via the city streets imagining approaching stated lady, then anticipates rejection and offers up without having saying something.

Prufrock spends the complete poem at dwelling, where he imagines wandering through the city streets imagining his fantasy self approaching stated woman, getting rejected, and after that providing up devoid of saying anything.

Prufrock is not even in enjoy with any one precise and just likes to torture himself.Folks, welcome to modernism. It does not get any much easier from here.

Quickly forward thirty years towards the Catcher in the Rye: the heyday of Ford Mustangs, drive-in burger joints, the nuclear family, post-war purposelessness, and an unbelievable pressure to conform. Then envision attempting to date.

Though Catcher could possibly not strike you as a love story a lot because the disillusioned ramblings of a na??ve seventeen-year old, once you strip away all the criticism of phonies, meanness, adulthood, and popularity, you are left with… not significantly of anything. That is why we can’t ignore the truth that the two areas of Holden’s life that stay unscathed are his (deceased) little brother, Allie, and his (absent) crush, Jane. These are the rulers by which Holden measures every little thing.

Certainly, Holden in no way functions up the nerve to go through with calling Jane – any from … Read More