Bay College Planning Specialists

Get in College|Stay in College|Without Going Broke

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, , , , , , , , , , , , , ,

Is Home-schooling an option for San Francisco Bay Area Children

By Keith Watkins

Due to the questionable state of our nations public school systems and the current strains placed upon our countries current economy a growing number of families are deciding to educate their children at home. The decision to home-school is a home-schoolerspersonal one and usually a difficult one. Ultimately making the decision to take control of your children’s education can, at first, appear to be overwhelming to a parent but more and more families are making the decision to home-school everyday. Homeschool students have been growing by an estimated 8 percent annually in the U.S. and as of 2007 totaled about 1.5 million.

In many places home-schooling is a legal option for parents who wish to provide their children with an alternative learning environment other than the ones that exists in nearby schools. While academic and religious reasons dominate the motivations for most home-schoolers, parents cite numerous other reasons ranging from a dissatisfaction with the public schools in their area to the desire for better academic test results and in a lot of instances parents cite the price of private school educations as being the determining factor for an ever increasing amount of families. Students who are gifted or have special needs benefit from a home school opportunity because they can learn at their own pace, whether they need to spend more time on a lesson or delve deeper into the content as a way of satisfying their intellectual curiosity. To that end, home schooling offers parents the opportunity to ensure mastery of a concept before moving onto the next, while public schools merely require a demonstration of understanding before moving onto the next concept, largely due to time constraints. 

Other students that benefit from a home school setting are those who live in rural areas and riding a bus for an hour each direction is more a waste of time than anything else. 

Home-schooling can literally be life changing. It creates personal growth for both the parent and the child. Nothing you will ever do in life will have a more profound effect on your child and your family’s future as home-schooling.

Although every families home-school is unique, certain home-schooling “styles” have become universally very popular. Most home-schoolers do not follow one style or method. Instead, they select the ideas and suggestions that fit their family and eventually end up with a method all their own.

Below are some of the most often used popular home-schooling styles found.

School-at-Home Method

Unit Studies Method

“Relaxed” or “Eclectic” Home-schooling Method

Unschooling Method

Classical Home-schooling Method

The Charlotte Mason Method

The Waldorf Method

The Montessori Method

Multiple Intelligences Method

DVD/Video Schooling Method

Internet Home-schooling Method

Did you know that the Scripps National Spelling Bee Winner for 2007 was a local Danville, Ca.San Francisco Bay Area home schooler. Evan O’Dorney, the home-schooled eighth-grader, easily aced “serrefine” — a noun describing small forceps — to become the last youngster standing at the 80th annual 2007 spelling bee. Plus, every year home-schoolers are admitted to hundreds of colleges in at least five different  countries. Those who prepare thoroughly can actually be admitted to some of the colleges of their choices with full scholarships.

Most parents are unaware of the fact that parents don’t need to be California licensed to educate their own children at home.  Home educators may establish, in California, a private school based in their home by filing a Private School Affidavit with the California Department of Education (CDE).

The affidavit does not license, evaluate, recognize, approve of, or endorse a private school. The State of California accredits neither public nor private schools. The affidavit itself is a statistical tool, and necessary to effect the pupil’s exemption from compulsory public school enrollment and attendance. By filing an affidavit you are showing intent to establish a private school, and informing the state, as required by law. Parents have been legally using this provision for many years to conduct their own home-based private schools.

Parent support groups and networks are a terrific way to get started by collectively facing challenging situations, the beneficial offerings of encouragement from other parents, the sharing of ideas, socialization and generally a way to reduce the overall stress of getting started.

If your student is into to sports, he or she may be able to participate at certain schools without actually attending. I have a personal friend that attends a charter school in Oakland, CA. His son is the leading scorer on the varsity basketball team at the public school in his local district. His dad often jokes stating that, “he shows up at games and no one in the home stands has any idea who he is”.

The California Virtual Academies  web site has plenty of free quality information and is a very good place to start your search. They are actually funded by the state of California and use the K¹² curriculum to offer California students in grades K-12 an exceptional online learning experience. With individualized learning approaches, the California Virtual Academies provide the tools kids need to succeed—in school and beyond into their college years.  Here is a news video report describing California Virtual Academies.

Below is an overview of the California Virtual Academies program:

  • Our experienced, California-credentialed teachers, who are available online, by phone, and during face-to-face meetings.
  • The individualized, engaging K¹² curriculum, which covers both the core subject areas and electives. Based on decades of education research, this curriculum packages high-quality lessons with mastery-based assessments that ensure students achieve success at each and every level. Find out more about K¹².
  • The online planning and assessment tools, resources, and hands-on materials ranging from textbooks to microscopes, rocks and dirt to beautifully illustrated classic children’s stories, and much more. 
  • Our active, supportive school community, which organizes fun and informative monthly activities where CAVA parents, students, and staff share their successes, helpful hints, and more. 
  • The high-quality, tuition-free public education that enables a learning experience that is individualized for each child.
  • We’re fully accredited by the Accrediting Commission for Schools (ACS) of the Western Association of Schools and Colleges (WASC) for all academies, grades K-12.

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For more information on a distance based home school program please visit Laurel Springs School. Laurel Springs School is an accredited, college prep private school offering distance learning programs and teacher services for students in grades K-12. Laurel Springs uses web-based communication tools, a standards-based curriculum, and personalized instruction to offer students the highest quality home education experience based on your child’s learning style.

In conclusion, there are many many available options if home-schooling is of interest to your family. There are also many support groups, school affiliations and internet based organizations to assist in getting you started and also to guide families through the maze of of their newly discovered educational freedom. But first do the necessary research by Googling “Home School Organizations” in your City and State to gather as much information as possible.

Local San Francisco Bay Area home schooling parents should plan a visit to the upcoming 23rd Annual Christian Home Educators Bay Area Convention April 24-25, 2009. This event will be held at the Santa Clara Convention Center. Stop by the Bay Area College Planning Specialists booth for additional information concerning financial aid and scholarships for home-schooled students.

So, whether or not you are a parent who home schools your child, the next time you hear someone make a negative remark about parents educating their children at home, keep some of these points in mind. Consider all the benefits that a home school program offers parents, and their children. You might be pleasantly surprised at the many available options that exist for  families and that of their students future in education.

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Filed under: Bay Area, Career Path, Career Search, College Financing, College Planning, College Workshops, Consultants, Home Schooling, Parental Guidance, Public Service, Scholarship, Social Networking, Students, , , , , , , , , , , , , , , ,

Graduate Aptitude Test: helps you make your dreams come true

By Paul Newton

the-college-prosAre you preparing for the entrance test of a university or a graduate school? If yes, you may opt for a graduate aptitude test. A graduate aptitude test will give you an idea about the questions asked in various examinations, such as history, law, medical, and many others. Taking such a test would also help you understand the pattern and level of questions asked in various examinations. This would enable you to crack the entrance examination and secure a seat for yourself in a prestigious university or college.

If you are one of those who aspire to become a doctor, you may take the Biomedical Admission test (BMAT). This graduate aptitude test would help you analyse the kinds of questions asked in the BMAT examination. BMAT is designed to see how a
candidate copes with a medicine or veterinary science degree. The test also determines whether a candidate possesses the set of skills required for being a successful doctor or not. Not only this, the test would also help you find out your weak areas so that you are able to work on them. The BMAT free psychometric
test is a two hour test consisting of: Aptitude, Scientific Knowledge and Written questions.

Another type of graduate aptitude test is the History Aptitude Test (HAT). HAT aims to provide an objective basis for comparing candidates from different backgrounds, including mature applicants and those from different countries who wish to study
History at degree level. On the other hand, students who want to pursue their career as lawyers, the National Admissions Test for Law (LNAT) is taken as a standardised test. This test is used as part of the admission process for undergraduate law programmes.

A large number of educational institutions opt for graduate aptitude tests to select the right kind of candidates. But, you need not be disappointed. There are many online companies that offer different kinds of graduate aptitude tests for free. All
you need to do is visit a reputed site and choose the right graduate aptitude test for yourself. In addition to the graduate aptitude tests, the online companies also offer job aptitude tests to help candidates opt for a career of his choice. As far as a graduate aptitude test is concerned, it is important to practise sample test papers on a regular basis because only then you would be able to have a good grip over the test. Practising regularly would enable you to finish the test on time and also feel confident whilst answering the questions.

In addition to free graduate aptitude test, you may also take help from e-books. The e-books are designed to offer you an exhaustive information on various subjects, along with the practice paper so that you are able to accelerate you career to a new height. One such example is the Graduate Level Practice Tests. Drafted specifically for graduate level candidates, this e-book offers everything you need to prepare for numerical, verbal, abstract, diagrammatic and spatial reasoning tests as well as essential information on how to pass personality tests and assessment centre exercises.

About the author:
Paul newton is well known author who write articles for Graduate Aptitude
Test
.He write on topics Career AptitudeTest,Mechanical Aptitude Test.For more information visit www.psychometric-success.com.

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Filed under: Career Path, College Planning, Graduate School, Graduation, Ivy League Schools, Law Schools, Master's Degree, Med School, Nursing, Nursing schools, Students, , ,

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