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A Parent’s Guide to Financial Aid

By Dorian Ramsey

Many believe that being a parent is the happiest moment in the life of a human being. Probably you still remember the excitement that you felt when your wife gave birth to your first child. There are times that you will not sleep because you want to take care of your child even in the midst of the evening. You want to ensure that he/she will sleep soundly through the night.

It is true that happiness comes with children in the family. However, such happiness could be achieved if you are responsible enough with your children. You need to provide all of their needs, starting from their infancy until the time that they are studying. Although it will really cost you a lot, you have the responsibility to your children, especially in giving them the education that they need.

If you have children who are now going to college, you have to think of their financial needs. Probably you still remember your own collegiate years and you are aware of the financial needs of an ordinary college student. However, the difference is that you are now the parent-you will now be the one to think of the different payments that you need to settle for your children’s college education, such as college application, scholastic
assessment test expenditures, transcript of records, and others. Add to it the lodging and food allowance of your children if the college or university is far away from your own residence.

Thinking all of these college-related expenses could be overwhelming and bothering as well, especially if your salary is not enough to support such expenses and your family’s financial needs at the same time. But if you know how to get a college financial aid for your children, you will find out that everything will work out smoothly.

How you will start your search for the college financial aid for your children? Here are some tips that you can start with:

* When your children are still on their high school years, you should start searching for potential universities that offer college scholarships for deserving freshman students as well as financial aid programs funded by different organizations. You
may start your search on the Internet to look for possible college financial aid options for your children.

* Once you find a prospective university, visit their main office and inquire for any college scholarship or financial aid offers.

* Always ask for the cut-off dates of filing and submission of college financial aid application forms.

* Tell your children about the importance of a scholarship to their college education. Make them aware that they have plenty of options to consider as long as they have good high school scholastic records. In this way, you will be able to motivate them to study harder and make good grades, thus increasing your chances of a good financial aid.

* You may also consider filing an application for financial aid programs funded by the Federal government. State-owned colleges and universities offer this kind of financial assistance to qualified and deserving students who want to pursue their college studies despite of financial difficulties. You may submit the FAFSA (Free Application Form Student Aid) personally.

* Make certain that you have completed all the FAFSA requirements (such as present statement of bank accounts, monthly income records, present mortgage information, and others) and understand the rights or specialadvantages before accepting the financial aid for your children. You may also check if the financial aid is renewable.

With different financial aid programs such as college scholarships and federal grants, you are assured of a bright future for your children despite of the financial difficulties
that you are currently experiencing.

About the author:
To read about lying and body language, why do men lie, why people lie, baby strength, worlds strongest baby , toddler health and other information, visit the Knowledge Galaxy site.

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Filed under: Admissions, Applications, College Debt, College Financing, College Planning, Grants, High School, Mothers, Parental Guidance, Pell Grants, Scholarship, single mothers, single parent families, Students, Tuition, , , , , , , , , , , , , , , , ,

Which Loans for College Students?

By Owen Jones

moneyLet’s suppose that you have a teenager who will shortly be graduating from high school. You will feel happy naturally, the same as any other parent. whose child is passing out high school. It is one of those milestones in life that you have successfully circumnavigated, in spite of all the financial obstacles that you have probably experienced. It is time to be happy, for you have fulfilled your role of giving your child a brighter future.

But as most would say, a high school graduation is not the be all and end all. In deed, it is only the beginning of tougher challenges that await you and your child in the following years of college education.

At this moment, you need to begin thinking about how you will finance the courses of your college-bound teenager. With the increasing cost of tuition fees, you need to plan ahead well of time to avoid any problems, especially if you not well-off. I should imagine you already know how hard it is to have to cope with the increasing costs of your child’s high school education before. The earlier you start thinking about your child’s college education, the less you will have financial problems afterwards.

If you think you will ever be faced with financial issues again, it is vital that you know the different financial aid programs available for your college-bound child. Just keep reading to learn the financial aids that can help you:

A Grant: it is the first type of college financial aid that you should apply for. It only requires you to complete a FAFSA (Free Application for Federal Student Aid) application form. Once the form has been sent, it will be checked and if
your child qualifies, he/she will get the full amount of what he/she has applied for. At this moment, you need not do anything much further except provide the name of the college or university that your teen wants to enrol into.

Scholarships: Although a scholarship is mostly intended for students who have the ‘brains’ but do not have the ‘money’, not all college scholarships are intended for academics. Students who do not have the best academic record can still qualify for many other college scholarships. There are college sports scholarships, community service work scholarships, social involvement scholarships and many others. These are only a few of the different types of scholarships for your child if he / she is not that academically talented.

‘Student Loans’: these kinds of loan have rather lower interest rates compared with other sorts of loan. Some loans are off-set, which means that the interest does not accumulate until a student finishes college. Moreover, these loans do not require collateral, and therefore, you do not have to worry about putting your own home up as collateral against the student loan for your child. Most of these loans are available on various repayment plans at low interest rates and low monthly installment payments.

If you haven’t yet started looking for any of the various financial aid programs available, it is advisable that you start now. These financial aids are there to help you and will provide the funds needed for your child’s college education. You can be free from worries about the cost of your teen’s education, if you begin early enough.

About the author:
If you want information on gettingcollege education funding then you really
should visit our website on applying for scholarships and grants

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Filed under: Admissions, College Debt, College Financing, College Planning, FAFSA, Grants, Parental Guidance, Pell Grants, Scholarship, School supplies, single mothers, single parent families, Students, Tuition, , , , , , , , , , , , , ,

Simple Guide For College Students

By Tom Tessin

the-college-prosCollege is one of the best actions that people can take in order improve the quality of their lives. By going to college people not only increase their earning potential and employment opportunities; they also learn how to become more productive members of our society. The process for turning college students into high quality citizens begins in school. Here is a simple guide for students so that they can get the most out of their experience.

Go to Your Classes

Students pay money to attend a university and this means that they should go to their classes. The college experience is ultimately about the education process over anything else. It’s through this education process that a student is being prepared for the profession that they want to be involved in. So the best thing that any student can do is to show up for their class, be on time, and make sure they absolutely learn something.

Pay your Tuition

You can’t go to school without paying your tuition, well if we don’t take scholarships and grants into consideration. Students who have to work to attend school should make it a point to pay for their expenses while attending. Again, this is because the education for your profession is the most important reason why you’re there.

Have a Social Life

Being social in college is okay as long as it doesn’t interfere with your education. Many people get sidetracked in college because they allow the other aspects of the college life to get in the way of their main purpose for being there. Have a social life in college because it’s a part of the process for you becoming a productive member of our society but don’t allow this social life to get out of control.

Stay out of Debt

Many college students have charge cards and loans that they blow on things they more than likely didn’t need. Spending extra tuition money on foolish pleasures or things is not the best thing to do. Don’t get it wrong, it’s okay to spend some of the money on getting some of the things you want, but remember that you’re going to have to pay that money back one day. Also, charge cards are a college student’s enemy. The laws are
changing because credit card debt is out of control in this country and one part of these changes has to do with college students and credit. The bottom line is students under the age of 21 won’t be able to get a credit card unless they can prove beyond a shadow of a doubt that they can pay it off or if they have parents who can.

There are plenty more areas that can be covered for this simple college guide for students but the main thing to remember is that college is about your education and that education is what you will need in order to help you make a better life for your family and yourself.

About the author:
Find great student articles like this, and more of Tom’s work all on his student blog.

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Filed under: athletics, Bay Area, California Colleges, Campus Lifestyle, Career Path, Classes, College Debt, College Planning, High School, Junior College, Public Service, Social Networking, Students, , , , , , , , , , ,


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