Thursday, November 14, 2019

80 DIFFERENT WAYS TO GET YOUR STUDENT LOANS FORGIVEN

Scroll down to the podcast!

https://thecollegeinvestor.com/21541/different-ways-to-get-student-loan-forgiveness/

https://www.profellow.com/sign-up/

...Our goal is to make finding fellowships easy. Our database includes information on more than 700 funded fellowship programs for professionals, undergraduates, graduates, and postgraduates across all disciplines. For each fellowship, you can view related articles on the fellowship experience and fellowship application tips from former fellows.

Full funding normally includes full tuition and a stipend for living expenses for the four to six years a student is in the doctoral program. In most cases, doctoral students are expected to serve as graduate teaching or research assistants in exchange for the awards. This responsibility is typically complementary to your PhD research and provides students with teaching experience.

https://www.profellow.com/fellowships/how-to-fully-fund-your-phd/


...when considering a doctorate, research all the potential PhD programs in your academic field, including small and lesser-known schools both in the U.S. and abroad, and ask the admissions office if they fully fund every admitted student. This may have a major impact on the schools you consider applying to....


...a PhD stipend may be substantially less than what you are earning in the private sector. Yearly stipends normally range from $18,000 – $30,000. Small cities and towns have lower costs of living, so another major factor in your consideration should be location...

https://www.profellow.com/fellowships/how-to-fully-fund-your-phd/

Big Ten Academic Alliance

https://www.btaa.org/about/member-universities


https://www.btaa.org/resources-for/students



Y

Member Universities

CIC University NameWebsite LinkDirectory Link
University of IllinoisHome PageDirectory
Indiana UniversityHome PageDirectory
University of IowaHome PageDirectory
University of MarylandHome PageDirectory
University of MichiganHome PageDirectory
Michigan State UniversityHome PageDirectory
University of MinnesotaHome PageDirectory
University of Nebraska-LincolnHome PageDirectory
Northwestern UniversityHome PageDirectory
Ohio State UniversityHome PageDirectory
Pennsylvania State UniversityHome PageDirectory
Purdue UniversityHome PageDirectory
Rutgers University-New Brunswick Home PageDirectory
University of Wisconsin-Madison

IUB- The University Graduate School offers ninety-six Ph.D. programs and/or Ph.D. minors in the College of Arts and Sciences, Kelley School of Business, School of Education, School of Informatics and Computing, School of Journalism, the Maurer School of Law, School of Optometry, School of Public and Environmental Affairs, and the School of Public Health.

https://tinyurl.com/roz5fo5



https://www.google.com/url?sa=t&source=web&rct=j&url=https://bulletins.iu.edu/iu/gradschool/2017-2018/gradschool-pdf.pdf&ved=2ahUKEwigqvWqkurlAhXws1kKHfPBAocQFjAAegQIBhAB&usg=AOvVaw12gV8xujf6sZ7EHd_Dvc0P

Both students and professionals might use showcase portfolios, while learning and assessment portfolios are more common in educational settings. The next few sections will look at how e-portfolios are implemented in different. https://ctl.learninghouse.com/e-portfolios-and-their-uses-in-higher-education/

WHO USES E-PORTFOLIOS?

The use of e-portfolios has expanded to most of the education and career world. This ranges from K–12 education, to undergraduate and graduate programs, all the way up to professionals through corporate training and employment mobility. The earlier and more consistent the use of e-portfolios begins, the more substantial their effects can be.

E-portfolios are useful across a variety of disciplines, not just traditionally visually oriented ones like studio art. For example, business programs value the reflection and self-regulated learning aspects of a well-maintained portfolio, and portfolios give students the opportunity to represent their personal and professional growth beyond traditional academic systems (Morales & Soler-Dominguez, 2016)

Friday, November 8, 2019

https://www.greatvaluecolleges.net/faq/what-is-a-nontraditional-student/

The National Center for Education Statistics (NCES) maintains a list of seven different characteristics of nontraditional students. They range from delayed college enrollment, to part-time studies combined with full-time work, to being a single parent, or simply the lack of a high school diploma. The original definition for nontraditional students only referred to the student being over age 25 when entering college. With about half of current students ranging in age from 25 to 75, being a nontraditional student is no longer rare or unusual, if it ever was.

fast factTwenty five percent of all college students are over the age of 30.Source: Library Journal, 2012

75% of all undergraduate students have a least one of these characteristics and are thus "nontraditional" in one way or another.Helpful TipsAmong students with only one nontraditional characteristic, part-time attendance is the most common (36%), followed by full-time employment (23%) and delayed enrollment (23%).Among students with more than three nontraditional characteristics, having a dependent is the most common (80%)

http://www.youcandealwithit.com/borrowers/nontraditional/nontraditional-undergrad.shtml#main

SCHOLARSHIPS FOR ADULTS - Paradigm Scholarship for Working Women.







http://legacy.chamberphl.com/paradigm/scholarship-criteria-and-application


The Jack Kent Cooke Foundation Undergraduate Transfer Scholarship available to top
community college students that are looking to continue their education by transferring to a
four-year college or university. The Foundation provides up to $40,000 per year to selected
students.
http://www.jkcf.org/scholarship-programs/undergraduate-transfer
The Lillian Lyons Scholarship for working adult students that attend Eastern University that
major in specific programs at Eastern. Eligibility is determined by the student’s financial
need. This is a one time scholarship that is offered annually to eligible students
http://www.eastern.edu/admissions/adult-undergraduate/grants-and-scholarships
Peirce College 17 scholarships available to Peirce students
https://www.peirce.edu/scholarships
Jeannette Rankin Women's Scholarship Fund provides scholarships to low-income women,
ages 35 and older. These scholarships are available to students pursuing an associate's de-
gree or a first bachelor's degree. Students may also use these scholarships for technical or
vocational education.
http://www.rankinfoundation.org/
HRSA is a program that provides loan repayment, scholarship and special loan programs to
health professionals that work in underserved areas.
http://www.hrsa.gov/loanscholarships/index.html
The Association for Non-Traditional Students in Higher Education awards scholarships to
non-traditional student members of the organization.
http://www.myantshe.org/ANTSHE-Scholarships
Bucks County Community College offers several scholarships that are open to students re-
gardless of age. Visit the link above to review the many scholarships for eligibility require-
ments.
http://www.bucks.edu/about/foundation/scholarships/community/
Community College of Philadelphia has a comprehensive listing of scholarships that students
can apply for.
https://ccp.scholarships.ngwebsolutions.com/ScholarX_ScholarshipSearchResult.aspx
Paradigm Scholarship for Working Women For women who work at least 30 hours per
week for a Greater Philadelphia Chamber of Commerce member company (if you do not
know or are not sure if your company is a Chamber member please visit our online member-
ship directory). Must have also completed at least one full year of college and currently en-
rolled at a two or four year accredited institution working towards
an undergraduate degree.
http://www.greaterphilachamber.com/paradigm/scholarship-criteria-and-application

https://phillygoes2college.org/finance/scholarships/

Chegg scholarships is a completely free scholarship search engine used by over 4 million students nationwide. With over 25K scholarships with personalized filters like GPA, Age available for students in high school, college, grad school & beyond, it’s one of the biggest out there

Wednesday, November 6, 2019

Top Ten Student Financial Literacy Resources On The Web http://cheapscholar.org/2011/04/28/top-ten-best-student-financial-literacy-resources-on-the-web/

12 Responses

  1. Great list, Doug. One site I’ve always sent my clients to is the US Department of Education; it may not be a financial literacy hub per se, but it does provide an excellent overview of the types of funding available from the federal government as well as the repayment options available to students once they enter repayment.

    Keep up the great work here.

  2. CHRISTIAN

    Very informative. Another one that I’ve checked out is cuStudentLoans.org – it’s a group of not-for-profit credit unions offering student loans but with a key focus on financial literacy.

  3. […] to say a special “thank yooou!” to website Cheap$cholar.org for including us in their list of “Top Ten Student Financial Literacy Resources on the Web.” If we had known about this honor earlier we would have tidied The Clubhouse up a bit in case […]

  4. Just found another site that should get an honorable mention as being a student financial literacy resource on the web.

    It is: http://www.practicalmoneyskills.com/

    The web resource is sponsored by VISA and the best feature I like is the interactive games like Financial Football or Financial Soccer. I think college students can definitely relate to those sports.

  5. […] Inc., has been listed as a “Top 10 Student Financial Literacy Resource on the Web” bycheapscholar.org. One For Your Money helps students to address their money management needs. The site hosts a […]

  6. I was recently made aware of another student-centric financial literacy resource available on the web. It is http://www.igrad.com/

    On the site they have financial literacy articles, financial literacy modules and courses, career center, a full financial literacy library, a discussion forum regarding financial literacy, videos on the top financial aid questions and much more.

    Definitely should earn a mention in Top Student Financial Literacy Resources on the web.

  7. KYLE

    Thanks for all the information! I am starting to become more involved in this program, and I love all the information and websites provided by all of you! Thank you for your help!

  8. […] to incorporate financial literacy programs into a campus setting has been the goal of many colleges and universities in the past year (and for […]

  9. […] Below is the information for each of the upcoming webinars. In addition, if you are looking for free Student Financial Literacy Resources on the web, you should definitely check out this list compiled by CheapScholar.org […]

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...45 million student loan borrowers in total, ...

According to the most recent data, the total amount of outstanding student debt is currently at $1.52 trillion. There are 45 million student loan borrowers in total, and those that recently graduated held $27,975 on average.


https://lendedu.com/blog/top-college-financial-literacy-programs/

Drug Convictions ( a single conviction under a drug offense could have resulted in immediate and permanent ineligibility for federal student aid. As of 2009, however, it’s become more of a "three strikes" rule...Selling or conspiring to sell illegal drugs has a slightly shorter leash: After conviction for a first offense, students lose aid eligibility for two years and then lose eligibility indefinitely after their second offense. The clock for the ineligible period starts from the date of conviction, rather than the date of the offense...Students who have their federal aid revoked because of a drug conviction can regain eligibility through rehabilitation and drug testing programs.) https://www.usnews.com/education/blogs/student-loan-ranger/2015/04/15/drug-convictions-can-send-financial-aid-up-in-smoke


How can I find out if my drug conviction will disqualify me from federal financial aid?
If you have a drug conviction(s) for these offenses, complete the Student Aid Eligibility 
Worksheet for the drug conviction question on the FAFSA to determine if your conviction affects 
your eligibility for aid. You can also call the Federal Student Aid Information Center at 1-800-4-
FED-AID (1-800-433-3243). 
Even if you are not eligible for federal aid, you may be eligible for aid from the College of Law. 
If you are ineligible for federal financial aid, but then become eligible (for example, if your 
eligibility date arrives or if you complete an acceptable drug rehabilitation program), notify the 
Office of Student Financial Planning at finaid@law.stetson.edu immediately so they can assist 
you in exploring aid options. 
If I do have a covered drug conviction, what are the periods of ineligibility for federal 
financial aid?
If you have been convicted of any offense under any federal or state law involving the possession 
or sale of a controlled substance, you are not eligible to receive any grant, loan, or work 
assistance under Title IV during the period from the date of the conviction and through the 
interval specified below. 
The period of ineligibility for federal student aid funds varies depending on whether the 
conviction was for sale or possession and whether you had previous offenses. If you were 
convicted of both possessing and selling illegal drugs, and the periods of ineligibility are 
different, you will be ineligible for the longer period. 
Possession of Illegal Drugs:
First Offense: one year from date of conviction
Second Offense: two years from date of conviction
Third+ Offenses: indefinite period
Sale of Illegal Drugs:
First Offense: two years from date of conviction
Second Offense: indefinite period
Third+ Offenses: indefinite period
NOTE: A conviction that was reversed, set aside, or removed from the student’s record does not 
count, nor does one received when the student was a juvenile, unless the student was tried as an 
adult. Further, you may be able to resume eligibility before the end of your ineligibility period if 
you satisfactorily complete an acceptable drug rehabilitation program, discussed in more detail 
below.
If I have one or more drug convictions, should I still apply for student aid?
Yes, even if you have drug convictions, you should complete and submit a FAFSA. You may be 
eligible, depending on the date and number of convictions. Even if you are ineligible for federal 
student aid, you may still be eligible for scholarships or other types of aid from other programs.


3
In addition, you can regain eligibility for the federal programs no matter how many or what type 
of drug convictions you have by successfully completing an acceptable drug rehabilitation 
program that meets the standards set by Congress and the Department of Education. Doing so 
means you will regain eligibility on the date you complete the program. This is discussed below 
in more detail.
What is an acceptable drug rehabilitation program?
An acceptable drug rehabilitation program must:
a. have two unannounced drug tests, and 
b. it must either:
1. Be qualified to receive funds from a federal, state or local government agency or 
program, or from a state-licensed insurance company, or
2. Be administered or recognized by a federal, state or local government agency or 
court, or by a state-licensed hospital, health clinic, or medical doctor. 
If you want to find out if a drug rehabilitation program meets the described standards, you need 
to contact the rehabilitation program.
Before enrolling in a program, you are urged to verify that program completion will also serve as
suitable evidence of rehabilitation in support of any subsequent effort to be admitted to practice 
law. Most state bars will look for such information as part of the character and fitness 
assessment for admission to practice law.
I submitted my FAFSA before I was convicted. What do I do?
If you are convicted of possessing or selling drugs after you submit your FAFSA, you must 
notify the College of Law’s Office of Financial Aid immediately. You will lose your eligibility 
and be required to repay all aid you received after your conviction. 
Please remember that this notification is in addition to your independent continuing disclosure 
obligations under the College of Law’s Amendment to Admissions Application policy. In 
addition, College of Law and bar admission disclosure requirements are broader than what is 
asked on the FAFSA.
How can I get more information?
If you still have questions about the law, call the Federal Student Aid Information Center at 1-
800-4-FED-AID (1-800-433-3243). Your personal information is confidential, and you will 
remain anonymous. 
If you have questions about your disclosure obligations under the College of Law Amendment to 
Admissions Application policy, contact the Associate Dean for Academic Affairs. 
Prepared August 4, 2009; revised July 29, 2011.

Our mission is to provide excellent online courses at the university, high school, and middle school levels. Pursuing this mission can have a strong effect on the course of education and increase BYU’s influence across the globe. We offer trusted, quality courses that are accredited by several trusted commissions*. With both online and blended learning courses, students receive instruction and content adapted to their needs, at their own convenience

WHAT DOES TITLE IV SCHOOLS MEAN? In addition to meeting the terms and conditions of its Program Participation Agreement with the Department, a participating school must also comply with the following:34 CFR Part 99 (Family Educational Rights and Privacy), 34 CFR Part 600 (Institutional Eligibility), 34 CFR Part 668 (General Provisions), and 34 CFR Part 682 (FFELP) - as well as other Department directives.State licensing requirementsGuarantor policies, procedures, and requirementsAccrediting agency requirementsAll other related requirements for schools, as specified in the Higher Education Act of 1965, as amended.A school that wishes to apply for participation should write or call the Institutional Participation Oversight Service, Accreditation and Eligibility Determination Division of USDE at the following address:U.S. Department of Education/IPOS/AEDDInitial Participation BranchROB-3, 3915 7th & D Streets, S.W.Washington, DC 20202-5244(202) 377-3173 - telephone(202) 275-3486 - faxsource: https://www.delval.edu/offices-services/bursars-office/refunds/federal-title-iv-refunds

Title IV funds consist of federal student aid awarded from programs administered by the U.S. Department of Education.  Title IV funds include:

  • Direct Subsidized loans
  • Direct Unsubsidized loans
  • Perkins loans
  • Direct Graduate PLUS loans
  • Direct Parent PLUS loans
  • Pell grants
  • Supplemental Educational Opportunity grants (SEOG)
  • Teacher Education Assistance for College and Higher Education (TEACH) grants




Title IV refunds will automatically process within 14 days of the application of the aid to the student’s account, in accordance with federal regulations. The only exception is when a student gives specific written permission to hold all or a portion of the credit balance for additional tution and fees during the same loan period, within the limited circumstances permitted by federal regulations.

If the student signs up for an eRefund, the refund will be wired into the banking system by the fourteenth day. Otherwise, the refund will be issued as a check and will be available to be picked up or mailed by the fourteenth day. 

Students in the graduate and Continuing and Professional Studies programs who borrow federal student loans are more likely to have excess Title IV aid disbursed to their accounts and to be eligible for a Title IV refund. Full-time undergraduates are rarely eligible for a Title IV refund.



cc:http://www.aessuccess.org/higher_ed/summary_for_obtaining_united_states_doe_approval.shtml




What is a Title IV School?

Written by Emma Kane | Feb 16, 2019 2:42:04 AM

Title IV: You might have seen this term around during your college research. Whether or not your school of choice is a Title IV institution will affect how you are able to pay for that school now and down the line.


A Quick History Lesson

In 1965, Lyndon B. Johnson signed the Higher Education Act (HEA) into law. The goal was to increase resources for educational institutions and provide financial assistance to those students pursuing an associates, bachelors or other higher education degrees that was at least two years and would prepare them for gainful employment. Title IV of the act outlines rules related to financial aid.


This both outlines regulations to be followed by the schools that want the ability to offer federal financial aid and the expectations of the students to receive it.


The HEA has been amended a number of times to include changes such as not allowing students with a drug charge to receive federal aid and to require participating schools to make real efforts in encouraging and providing easy access to voter registration for students. These amendments still stand today.

Saturday, November 2, 2019

Bullying -https://www.stopbullying.gov/laws/pennsylvania/index.html/

Pennsylvania anti-bullying laws include the following definitions of bullying and cyberbullying: Bullying” shall mean an intentional electronic, written, verbal or physical act, or a series of acts:     (1)   directed at another student or students;     (2)   which occurs in a school setting;     (3)   that is severe, persistent or pervasive; and     (4)   that has the effect of doing any of the following:         (i)   substantially interfering with a student’s education;         (ii)  creating a threatening environment; or         (iii) substantially disrupting the orderly operation of the school; and “school setting” shall mean in the school, on school grounds, in school vehicles, at a designated bus stop or at any activity sponsored, supervised or sanctioned by the school. 24 P.S. § 13-1303.1-A (2008) Do Pennsylvania anti-bullying laws and regulations cover cyberbullying that occurs off-campus? Yes. Pennsylvania anti-bullying laws cover off-campus conduct. Pennsylvania anti-bullying laws state that a school entity shall not be prohibited from defining bullying in such a way as to encompass acts that occur outside a school setting if those acts meet the requirements contained in the bullying definition in state law.

EDUCATION COSTS - INVESTOPEDIA https://www.investopedia.com/articles/professionaleducation/09/mba-real-costs.asp

Higher education costs in the United States have outgrown the rate of inflation, and getting an MBA has associated tuition expenses along with rent and book costs. MBAs, especially those who go to private business schools, can accumulate between $100,000 and $200,000 in debt and expenses in just over a two-year period. Fortunately, for those who are highly motivated to secure an MBA, there are alternative options one can explore in order to both receive the degree as well as minimize the costs...

So summing it up, $80,000 for tuition, $40,000 for boarding and books, $20,000 for peripheral expenditures brings the total MBA cost to around $140,000, while the lost income brings the tab to a whopping $260,000. That figure amounts to more than four years of salary at an annualized income rate of $60,000

https://www.investopedia.com/articles/professionaleducation/09/mba-real-costs.asp