How to Evaluate Student Loan Relief Services

Let’s take a look at a real world example

Mark, a 28-year-old family man from Baltimore was a real target for fraudulent debt relief businesses from the get-go.

The year was 2012, and his hours at work had been cut back. He had $40,000 worth of debt of every description.

He had two children and he was desperate for a way to not have to make thousands of dollars in monthly payments. These con artists do look for people like this. When they learn of one, the calls started coming in.

The rep who makes the marketing call and deals with the customers is usually a person with a confident, authoritative and cheerful manner. To someone who’s deep in financial trouble, just to hear a voice like that calling and telling them that there is help at hand, can sound completely convincing.

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Understanding the FSEOG Grant Program

The Federal Supplemental Educational Opportunity Grant (FSEOG), like many other federal funded grants, is designed to cut off tuition and other school related expenses for students who are in need of financial help.

To qualify for the FSEOG program, students must file the Free Application for Federal Student Aid (FAFSA) application form. This is to determine the Expected Family Contribution, which is measured with the following factors: the family’s size, family’s income level and net assets.

The program grants the money to students who have the lowest EFC. Eligible students (with significant financial need) can use the grant money to nearly 4,000 colleges and universities.

The amount of FSEOG grants that are being awarded to eligible students are actually influenced by the educational institutions involved in this particular program.

The money is granted to students who are either currently enrolled or are approved for enrollment in their preferred educational institution. Likewise, it is essential to know that awardees of the Federal Pell Grant are being prioritized for the FSEOG program.Continue reading →

Prevention Magazine

download (14)Dear students who suffer from some overweight: the folks over at Prevention Magazine (and more weight loss product marketers) have apparently discovered the magic pill for fast, permanent, effective proven weight loss success.

AND! The best part? It’s free!!! No, really…..
Excuse the misleading sales pitch but hey – I had to get you to read this blog post! I’ve done the same thing too many diet plan marketers do!

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Scholarships in Oklahoma


Nowadays there are various scholarships available for different levels and categories of students. These scholarships are typically offered to all underprivileged students who aim to pursue higher education.

If you are a parent, you sure have wished to send your children into a private educational institution. Oftentimes, students of under-performing schools are influenced by drugs and gangs resulting to poor values and education.

The Children’s Scholarship Fund is an American privately-funded program that offers assistance for low-income families. The main goal of the program is to help less-fortunate kids receive high quality education through their enrollment into private schools.

The program was founded in 1998 by Theodore Forstmann and John Walton. And since it was established there are over 1.25 million of hopeful children who have already applied for scholarships.

The Children’s Scholarship Fund, however, does not provide full-financial scholarship assistance. This requires the parents to contribute to the children’s overall educational costs wherein parents would typically shoulder half of their child’s tuition.Continue reading →

Budgeting Student Life

For a college student, living on a budget can be extremely challenging. Summer download-9jobs for teens are difficult to come by. More and more summer internships are now unpaid ones.

It’s hard for college students to earn extra money, and so they have to be more savvy and creative in their spending habits.

The first thing you can do as a student is to learn how to budget your money. Tracking all your expenses for a month is key because it is easy to spend money and have no idea where it went.

Some other things you can do to reduce your costs are:

1) Rent books. It’s best to find out your classes as soon as possible so that you will
have time to search online for the right editions before school starts. If you wait until the last minute, you will probably be forced to buy new books.

2) If you have to buy books, buy them used, and sell them back online at the end of the year to recoup at least a portion of your expenses.Continue reading →

How Students Can Get the Most Financial Aid

200508754-001Each year, state and federal governments, colleges and universities dish out $55 billion to college-bound students. As your budding scholar prepares for college, don’t get left out.

I was recently advising students on math prep for college which was part of their homework, and while doing this, we also talked about what they need to earn to get financial aid.

If you earn $50,000 or less each year, some aid is virtually guaranteed. Even those more affluent can receive aid and scholarships. But no one will get one grant that covers all of the costs for a four-year college education. All sources will work in combination to get you through.

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Hidden Costs of College Education

Portrait of young woman indoors standing next to vase with flowers

Many American students rely on financial aid to attend college, and a big part of the college application process is figuring out how affordable a school will be.

Financial aid packages, which can be composed of scholarships, grants, loans, and work study, are sometimes difficult to understand.

Since different schools have different policies, it can be hard to actually figure out which college gave you the best financial aid package.

Finding the best financial fit combines knowing the school’s policies with knowing what your personal preferences are.  Paying attention to these five policies, along with knowing your own preferences, will help you find the most affordable school for you.Continue reading →

Making the Most of College

download-21Colleges and universities promise their students that when they earn their degrees, they will find rewarding, high-paying jobs.

While this claim may have been true in the past, the weak economy has left many college graduates unable to find suitable employment.

In fact, according to a 2015 report published in Student Affairs Today, the unemployment rate for college graduates is the highest it’s ever been, with upwards of nearly 2 million college graduates being unable to find employment as of November 2014, and millions more are underemployed.

A recent government report on “Unemployment Among Young Workers” shows the highest rate of unemployment ever recorded for this age group while the U.S. Bureau of Labor Statistics indicates that the jobless rate for younger workers with a college degree has more than doubled since the financial crisis began.

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Knowledge is just like ocean

images-57Knowledge is just like a vast ocean to quench the thirst of the ambitious learners. A Solid education helps the determined, dedicated and diligent students to imbibe the knowledge and put it to greater use on the professional turf.

Higher education not only symbolizes the professional achievement but also ensures personal contentment. The inventively designed distance learning has emerged as the popular mode for knowledge enrichment and skill enhancement.Continue reading →

Value of Education

dv2020128If you pursue a college education, the value of this experience will be proportionate to your investment of effort.

When you think about your reasons for getting a post-secondary degree, keep in mind that the degree does not guarantee a higher paying job, especially in a globalized economy.

Statistics show that people with four-year degrees earn more over their lifetime, but you must find these higher earning jobs yourself.

Here are four ideas to ponder regarding your motivation for attending college.

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