College Money Nightmare – Best 10 Ways To Avoid Loans

“In the 21 years I have been directly involved with college financial aid, I’ve had hundreds of students and parents ask the same question, ‘How do we pay off all the student loans?’ Unfortunately, there is no easy fix. Having student loan debt is like owing money to the IRS. Once caught in the snare, there is no way out. You simply pay and pay for years. Here are 10 ways to help you avoid student loans.”

1) Start Early

Without question, students should begin taking the SAT or ACT in the 7th or 8th grade along with test prep classes to bolster results. With proper direction, even an average student can score well on national achievement tests. When you do, you’ll secure a place in line for merit scholarships and grants.

2) Free College Credits

Students, sign up for Advanced Placement classes every chance you get. Millions of high school students are taking AP exams at the end of their school year. The reason is simple: hundreds of colleges will grant up to a year’s worth of college credit if you have successfully passed four Advanced Placement tests, earning sophomore status on day one.

3) Test Your Knowledge

Recently a student earned 39 credit units as a freshman by taking several CLEP tests. Go online and learn more about the College-Level Examination ProgramĀ®, CLEP. You can earn college credits for what you already know. Really. You could start college as a junior.

4) Put Together a Spending Plan

This is the key to college survival. Write down all the funds you have for college and compare that to the costs for tuition, food, movies, housing, transportation, pizza parties, books, and so forth. Then the choice is simple: either manage your money or your money will manage you.

5) Shop Around

Apply to schools where your national test scores, scholastic achievements, and grade point average are well above the freshman average. “The trick is to find a school that considers you a star,” wrote Lucy Lazarony at Bankrate.com. Those schools will find a multitude of grants and scholarships for those they seek. In addition, look for alternative ideas such as distant education classes, a college coop program, a tuition free college, an accelerated degree program, a work-study job, or an athletic, music or talent scholarship.

6) Get Schooling for a Fraction

Attend a local community college before transferring to the “big name” university. You may be able to complete the first two years of a four-year degree at a fraction of the cost. Be sure to check with the college or university where you want to transfer regarding their acceptance of your community college classes.

7) Avoid the Credit Card Trap

College bookstores often have tables set up with credit card applications and free gifts. The free gifts are used as a hook to get you to apply for a credit card. Just say, “No thanks.” Avoid the usual debt problems that lead to more and more student loans. The results could mean that you’ll be back living with your parents again after graduation. What good will scholarships and grants in college do if you walk off campus with huge debt.

8) Consider a Private Institution

Many private institutions have more scholarship monies available with fewer restrictions. Hats off to Princeton and Harvard whose executive boards have chosen to draw upon their endowment funds to help reduce excessive student loan debt.

9) Let Uncle Sam Pick up The Tab

Two, three and four-year ROTC scholarships are available at some of the nation’s finest schools including Johns Hopkins, Notre Dame, Virginia, Yale, UCLA, Wheaton, MIT, Cedarville, Grambling, Duke, and many others. If accepted, your tuition, books, and fees are covered plus you’ll earn a monthly stipend to help cover room and board. In addition, high school juniors may be eligible to apply to one of the prestigious military academies.

10) Apply For a Perkins

You may be eligible for the sought-after Federal Perkins service-cancelable loan. Those who qualify may borrow up to $20,000 for undergraduate and $20,000 for graduate school with up to 10 years for repayment at only 5% interest. In most cases, if you enter the field of nursing, teaching, law enforcement or serve in the military, work as a librarian, a speech pathologist, a medical tech, or full time firefighter, 100% of your Perkins Loan plus interest will be cancelled over a period of five years.

By planning ahead, you can achieve graduation success without a millstone of debt strapped around your neck.

College Education is Overrated – Find Out the Shocking Truth of Today’s College Education

College education is overrated, people feel that you need a college education to be a better person but the truth is you just need it in order to have a job. In order to be something in life you do not need college but you do need to have a purpose and do something.

The way that it works is that pretty much you’re going to college to get good grades in order to get a good job but the one thing that they don’t tell you is that you’re going to graduate into debt from all the loans that you to take in order to go to college. Now that you are in debt you’re going to have to get a job in order to pay the debt.

You do not need a college education but you do need an education in general because you do need to specialize in working in something in order to make a living. But the truth is that college education is the last thing you need because is not something that’s going to help you.

One of the best things to do is to get educated on the Internet and understand that there are many possibilities now for you to actually make an income from home. You do not need to waste time on getting educated in college because it is just going to teach your general knowledge that is useless. When it comes to utilizing education and applying what you learn you’re going to need an Internet education because is the wave of the future.

So if somebody tells you that you need to go to college in order to be a better person in the future you can honestly tell them that you’re wrong because college is overrated and so is the education that they provide.

Take the Time to Write Your Own Poem or Rhyme – Poetry Is Soothing to the Soul, Write a Poem Today

******Writing has always been a way of self- expression. The artist, who is scribing by choice, gained knowledge and introspection the way that the written word is meant to be multidimensional and have multi- purpose abilities. The purpose for written words is not always distinct or seen on the surface. The Hebrew language is written in what appears to be pictures forming words and language. How creative is that?

Words are a world all their own. They offer powerful emotive energy waiting to be released into the open by an eager writer desirous of reaching a captive audience.* Poetry more than just reaches the attention of the masses, it also categorizes or classes the soulful tone of the poet’s willingness to be open, colorfully expressive and emotionally exposed.

Writers are actually revealing small droplets of water from an ocean full of verbiage that they download from their own mind, for themselves first, and then for the rest of the world to read. The poet, who is also the first person to read his poetry, wants to feel illuminated, excited or engaged by the vibration of word expression. The interpretation or the meaning of the poetry or prose is the way he uses to gain understanding and empathy in his craft. Knowing how rhyming words make sense when put together correctly, help calm a tender-hearted person to be better equipped for processing life’s events and challenges more readily.

Life is clearly an expression of events taking place and the need arises for analyzing events or penning rhyming words. Understanding how your mind processes challenging or wonderful events,is accomplished through the power of words. They are then formed into thoughts and shared by the intuitive connection the writer/poet has to his own ability to decipher thoughts through poetic release. He was able to capture understanding from his very heart and through the emotive energy of words and share his understanding with you through rhymes and word synergy.

Rhyming words are joyfully shared by the writer to the reader, or to a captive audience of students or peers. Poets are the type of people that may be more quiet that other artists, lighthearted or nature lovers at best! Most of the poets that I have met became writers after years of working through painful memories. Thoughts or memories of sorrow or sadness may be perceived very intensely causing a need to be further processed through mental questioning. Further understanding of daily events need more review and introspection and need to be released and serve a better purpose. Herein comes the writer to release pain through putting pen to paper by penning a winning war through writing release, writing words that liberate a poet’s disdain and pain.

Pain cannot go unchallenged, you cannot allow pain and hurtful memories to go away without challenging yourself to recycle your pain into something greater than pain. Pain needs to work as a service to assist you, it is to be used as a service/learning and teaching opportunity to humanity, at least in some way.

Scribing and rhyming is a need to share comfort, deliver messages of hope and wellness, or garner a pain-relieving verse. It is to be shared openly with another human being who may be suffering in the same way as the poet did.

I remember as a child that reading was always a great escape to engage people, places, cultures and events that were far removed from my humble beginnings. The initial discovery of poetry is usually done at a very young age. Children have a great capacity to retain information that they find amusing, enlightening or entertaining. Finding comfort in books or rhyming verses- on- tape was always a great way that I found to escape to a place of joyful solitude and connect closer to Divine guidance and peaceful introspection.

Rhyming, at least for me, is a way of gaining and giving simple, subtle or powerful messages with deep thought, especially during time spent in nature. It has also been a serene sense of comfort,a craft. It has been a keen way to speak and write without having the need to be too direct all the time. As a kid, I would write for hours and keep myself occupied while on a long family driving trip or when my parents needed quiet time.

Things of course change as an adult, though the desire to read and write poetry will always be so ingratiating and satisfying for as long as I can think of things to write about. Rhyming, if done in a natural way, is soothing and effortless. You may enjoy writing more when you are happy or content and easily want to scribe about what resonates with your own personal life-style, opinion or passion.

Rhyming and poetry is meant to be of service to humanity or to be an audible form of entertainment, aid another’s life journey, or to engage another person with rhyming words that have meaning. Give or write a rhyming verse to anyone who needs a mental reboot or diversion at best. I believe that poems write themselves and require human vessels to care enough to write down the words that are pouring out of their own heart and hidden thoughts.

Writers also known as poetry writers, are given the task of releasing the subliminal messages and thoughts from their own thoughts, mind and body and then delivered through their voice first. They must in good conscience, do this until the time and date of their expiration arrives. All of us have an expiration date, a time when we are done living our lives, on the earthly plane, and ready to do more work on the other side. The hour of our death arises when our time on earth has been met with satisfaction and atonement; then it’s time to meet your fate. Will we be looking down at you, or will we be looking up at you? It’s never too late to change your fate and rectify your life, or do more good deeds in the time that you are alive and have an unspoken sole/soul purpose to fulfill.

Poetry is one of the first forms of writing that catches the minds attention; filled with words that rhyme and offer simple, subtle or powerful messages.

*** I enjoy learning from you and from others offering me knowledge continuously!~