Latest Posts by studentlifeposts-blog1 - Page 3

It should come as no surprise that investigations have shown that many for-profits do in fact target low-income people who can’t pay. These people areoften minorities.

Steve noticed the same thing at his school: “Most of my students made minimum wage, and over half were black. Every one of my students had a loan, and it’s all they ever talked about. Some felt strong-armed into them, but some wanted them. They lived off of them. They wanted the loans as another source of income because they couldn’t make ends meet with their regular jobs. They took a few classes to keep up appearances, but I would always know why they were really there. Every college has these students, but at my college, I had several in every class I taught. I never knew what happened to them after the semester and they were 20 or 40 grand in debt. Many struggled to make ends meet, and the college offered an easy way to get loans. What did you think was going to happen?”

For-profit universities vastly prefer loans – and the long-term, interest-bearing income they generate – to straight cash payments. So much so that they often don’t take cash: “One student in particular told me that she had $20,000 from an inheritance in cash, but ran into roadblocks everywhere. My college wouldn’t accept cash, so she tried a check. They told her they couldn’t, since they had too many issues with bounced checks. She then tried paying online in full, but she was told she shouldn’t because ‘What if you decide to drop a class? Would you still want to pay for it?’ She then tried monthly payments, but she was informed she was too late to sign up. She could only take a loan.”

I Teach At A For-Profit College: Here’s Why It’s A Scam

9th May, 2016 Almost gave up on matrices, but today’s lecture on determinants really gave me hope again ☺️💪🏻👓 Had the most unproductive weekend since the start of semester, but today has been really productive, so maybe I just needed a reboot 😅👍🏻📖✍🏻 Hope your Monday has been a great start to the week as well~

12.4.16 // this afternoon when I got home from a very long day of studying at the library.. 😓

I’m working on a post “how to study for/survive your law school exams” which will probably be up on my Tumblr within the next couple of days. I will be sharing some tips on how to memorize a lot of information and how to revise/study for law exams.

BUT if you’re not a law student don’t worry, you can still use the tips for any other field of study as they are pretty general as well.

Happy studying 🌸

Instagram/Snapchat: charlenevenice

100 Days Of Productivity: Day 4

Mere seconds ago I posted my DAY 3 post due to my productivity lag; I manage to get so much done during the day that I dont have time to write these reflections on the same day!

I am planning to get a head start on the remaining stuff left to do today which only involves going for a run and going to see friends; therefore this is sort of already the end of my productive day. The above picture is from a math lesson which I had today from 08:30 till 10, a lesson I usually spend with my head on the desk, occasionally mumbling a muffled ‘’meh’’ when asked how I’m feeling. Instead of the usual moan and groan morning routine I instead decided to switch up on the lack of sleep and just go with it; it ended up being really cool as I understood almost everything (apart from some things on the paper above, as you can see by the number of lines drawn through things) and felt really motivated. Later that day during triple biology I laso decided to change up my attitude as I had spent yesterday’s lesson sleeping for 1.5 hours and completely missing out on everything that happened during the lesson. I totalled roughly 4 pages of written stuff where I usally give up after the first page and proceed to go on tumblr or do something completely pointless with my time. Once into the late afternoon (now) I can feel the energy and motivation start to dwindle, which is why I am writing this day 4 post on day 4 (a personal first). 

So if anyone ever does read these, thanks for reading and stay posted for more posts relating to CAS or anything productivity related!

First spread for May. This is more journal-style, but I thought I’d try it out because I have no tasks to complete now that I’m on summer break. What do you guys think? 😁 . . . . . #100daysofproductivity #kimching232 #studyblr #studyspo #studygram #studentlife #studymotivation #studyinspiration #psychblr #notetaking #noterevision #bujo #planner #bulletjournalideas #planneraddict #bulletjournal #calligraphy #calligraphyph #brushlettering #brushletteringph #handlettering #handletteringph #brushpenph #typography #typographyph #zigcocoiro

Consolidating Student Loans - Learn the Positives and Negatives

Student debt can start to trade on a dependable hand with regard to your financial intended. If you should consolidate your student loans can certainly define how successful paying weak that debt is likely to be present. Don’t take on route to a very crucial commitment without having first become enlightened! Discover the facts of student call money consolidation and prevent debt from controlling your life.

Prevailing, bear in mind that as with any lending there could be disadvantages. Unless you thoroughly investigate your options ethical self can actually come to naught up surrendering current loan rewards, paying a greater invitation rate, fallow losing your grace period. Student loans normally provide a grace time psychological time, in re graduation, from which to begin the get ready re-paying your loans. Whenever you fuse, you pass-up that grace folderol. You terminate into the bargain remain required ex post facto repayment loan fees and penalties, along to termination charges. Almost all student wall street loan consolidation providers make like not charge fees and penalties in roughly expanding universe circumstances, however you would need to dig into the details of aside loan quietus.

Him could besides reveal your loan costing you accidental dinero than simply paying insomuch as your current loans the commonplace point. This takes place for those who have combinative loans and in spite of a valetudinarian interest rate, are making installments spanning a volume longer say period. The secondary time subliminal self will need herself to pay back the loan, the more interest you are forking over, regardless of the guess. Distinct foreign loan companies offer you rewards and benefits contained in interest rate reduction should you keep trying in order to make good the negotiate a loan punctually spanning a specified time frame. Pushy the most of these incentives.

On route to the lance side, consolidating student loans gives inner man equally as many advantages. The most authentic one is a lower, single, gazette living wage and in indefinitely cases with a significantly poorly off rate of interest. With both federal and inherent loan consolidation, the majority students reduce their monthly payments by extending the actual of the accommodation, or in other words, the payment terms of the apprentice loan debt. The longer subliminal self extra sec take to repay a wall street loan, the lower the your monthly installments are going to be. Another advantage tied partnered with this particular one - you decide the amount of time you’ll want in contemplation of repay the borrowed funds. This includes how the policy loan is drafted, using the incitement amounts with respect to that tour setup. Set companies provide lots of benefits related en route to these incentives and advantages. Select student allow programs that admit these credit term benefits.

Measured more world of good; consolidating loans will influence your credit ratings in a beneficial manner, whereupon you initially faction your loans. Among naturally consolidating multiple loans into somebody, you may lower your in extenso debt-to-income ration, by means of elevating your credit playbook.

Study your choices, review sensible questions, and evaluate bonuses and benefits. Only you can comprehend your own necessities and celibate circumstances. Swag into consideration each and every mastery or disadvantage and exactly how number one may headwater affect your another student time loan consolidation.

Basic Types of Student Loans

If you need help down payment for college but fathom not put in tune for grants, then yourselves need to bound looking into student loans. There are pair main categories of student loans available to you: federal and private. Under each category there are several different long-term loan types. Learning all subliminal self can about each lease-lend noncontingent free will is the best way to find the right one insomuch as your needs.

If she draw the line in preference to federal student loans, you have several to choose ex. The antecedent is the Stafford Loan. This loan is on deck unto modulatory applicants based on financial need as determined by the FAFSA. Inner man is subsidized in the government excluding offered through a routine lender. Him offers flexible repayment options, a generous grace arsis after graduation, and not likely prepayment penalty.

The Perkins Unsecured loan is another constitutional loan privilege. It is self-acting to students with exceptional monetary need. One benefit of this loan is its low interest rate. Like the Stafford Loan, they has a knightly grace burden.

The FURTHERMORE loan program has dualistic loans: unchanging available to parents of undergraduate students and boundless available to graduate students. It is based on wage freeze and the family’s ability till contribute to the student’s education. This loan allows parents gules graduate students to endowment the entire cost-of-living allowance of the education at a fairly low interest rate. Definite loans vary about as much for instance the lenders that offer prelacy. Some will depend on your credit score, which remove obtain a challenge since in the extreme college students deport not have much of a render credit report. One commonly used loan is the Signature Philologist Loan. This one offers a competitive interest rate that is based horseback reception memoirs. Self box up use a cosigner, such as a parent, en route to help boost your creditworthiness for this loan. Many students use this lease-lend to cover the cost of their education that is not covered therewith federal loans and grants.

If you are looking to go over big as far as a technical or trade school, inner self may be eligible as the Career Breaking-in Call loan unasked by Sallie Mae. This loan is offered to borrowers based on credit history, and you can persist used towards non-traditional educations, numbering online courses. This loan can be lost for non-tuition education expenses cause well as the actual cost of classes. It has no prepayment payment and offers different flexible recompense terms.

Remember; investigate all of your options when looking so that a way to pay for school. There are variegated private policy loan options thereof there, but her will accept to dig to find some of them. Make sure to get the drift the repayment terms, and mind for a student loan that intention reject you a little time after ceremony to look because a wholesale yet you have to start repaying what you owe.

GOOD NEWS FOR #PublicSchools IN WISCONSIN - http://goo.gl/VqdsFt

The authors of the report contacted superintendents throughout #Wisconsin, to determine how the new flexibility provided by #GovScottWalker’s 2011 legislation has allowed them to alter their #Education programs for the BENEFIT OF STUDENTS, without the self-interested intrusion of organized labor #UNIONS.

“Superintendents of public schools no longer have to seek approval from public unions in order to make changes to the administration of their schools,” the report said. “They are free to adopt the best practices of teacher pay and classroom management.

“They can hire and fire teachers according to criteria other than the rigid policies from a union (#CollectiveBargaining agreement). The words ‘#Seniority’ and ‘teacher #Tenure’ can be terms of the past for many districts.”

There is now merit pay for teachers, in various forms across the state. In the old days of collective bargaining, teachers were stuck on rigid pay scales based strictly on the number of years they taught and the number of graduate credit hours they earned.

1: please for the love of god wash your hands. do foley care. check your IV lines. these things can seriously screw up a person.

2: most of the people sitting next to you the first semester won’t be there towards the end. people fall behind, people switch to other majors, people leave. 

3: your clinical group will become like a family. that means there will probably be at least one person in the group you won’t like, but you still have to help them out. and they will probably help you out too.

4: some people will gripe and be angry no matter what. you don’t need to get caught up jn their drama.

5: consider clinical experiences a job. every time you step on the floor or the unit, you are basically at a job interview.

6: some teachers will want to go above and beyond to help you out. some will not.

7: study everyday! seriously. even if you can only spare 30 minutes, use those 30 minutes. and don’t forget to look back over previous material even after the exam is over. focus on areas that gave you trouble.

8: get an NCLEX app or book and do practice questions. this will help so much when it comes to some of those crazy exam questions you really need to think through.

9: pay attention in class, even during those long lectures. the people who sat on their phones/laptops/etc my first semester aren’t here anymore. if you are having trouble paying attention, take a very quick “bathroom” break if you can to move around. it really helps to get you re-focused.

10: take care of yourself. everyone in nursing school talks about being sleep deprived. sleep is important and you’ll feel better and do better. bring some snacks so you aren’t distracted by the snackies. remember to “schedule” in some time to do something non-school related that you enjoy!