Archive for August, 2009
Posted by admin on August 25th, 2009
Years ago, when I graduated high school, I never thought twice about the debt I would rack up while attending college. I signed away on forms at the beginning of each semester not really grasping what was going to hit me once I took off that cap and gown. Six months into the real world, I started paying off the nearly $18,000 in debt I had accrued since my freshman year and I was one of the lucky ones! My parents helped pay for my tuition otherwise I would have been sitting on over $30,000 worth of debt. It puts a knot in my stomach to think of when my children are ready to go to college.
Are these loans really the best idea for our children? They’re starting their adult life in debt thousands upon thousands of dollars. Especially in these economic times where jobs are scarce, how can they even be assured a job once they graduate?
Is there a better way? There’s something to be said for schools where you cannot use Financial Aid. The costs are upfront and you know what you’re getting into, financially speaking. And, most of them offer payment options to make the cost a little easier to digest. I think even some 4-year colleges and universities have monthly payment options although I’m not sure how "affordable" they really are.
What are your thoughts/feelings? Would you still choose to defer the debt if you had an affordable option?
Posted by admin on August 19th, 2009
Students often begin the process of achieving an education and sometimes find, like myself, that even a single circumstance - whether it be a lack of funds or a personal roadblock or any number of other reasons - regrettably, can preempt their education. Ten years ago, I didn’t think I would return to get my degree (although, a small part of me kept that hope alive, obviously). Going to college is a lot of work, not just mentally but physically. So, I was thrilled to discover the online college option, since it offered another, completely different process which ran parallel with my original goal of graduating from college. Furthermore, it led straight to the Commencement Trail. I didn’t have to find my way back to my original path; I forged a new “online” path.
I’ve thought many times about going back to school to get my Masters degree, and I wouldn’t even consider such an undertaking without online options. My life is full right now, as a wife and mother, as household manager, as a writer and now I’m considering an additional work opportunity. Add to that, like so many other parents, the kids’ school commitments, church and community work, training our puppy ( which I threw in as metaphor for “other” obligations that take a lot more time and energy than I thought they would). Now, I could really push myself and attend school on campus, but why? When online options make it so much easier to go back to school and get a degree. Most people want to save time and energy; I, especially, want to save time and energy and quite frankly, I don’t want to push myself anymore. I want results, not an ulcer.
My online university experience was so fulfilling that I’m not certain that I would change anything in my pursuit of an advanced degree; rather, I would blueprint the process so that I could repeat the sequence, it was that effective. I would be tempted here to write, that in order to save time and money, I might consider a local program to get my Masters degree; however, in truth I would research Masters programs at FSU first and foremost. Out of sheer sentimentality, of course (see previous article “Seminole Pride”). Yet, along with being a sentimental gal, I’m also thorough and yes, entertain a pragmatic vein. So, I will look into other programs and weigh all the options, for research is our best tool for decision-making, and often the gateway to a new path that could lead to the next goal.
Posted by admin on August 17th, 2009
Text messages, chat rooms, online forums, MySpace, Facebook … even WEBKINS. Its information over-load when you begin to think about everything out there on "social networking". Many people think of MySpace, LinkedIn, Facebook and other social communities like them when they hear the terms "social networking" but that barely encompasses this growing movement. But what place does it have in education? Can it help us better connect with our young and adult learners?
According to a study by the NSBA (National School Boards Association) over 50% of students use social networking tools to talk about education topics and schoolwork … that is an astounding number. Should schools begin incorporating social networking into their curriculums? Maybe all schools should develop their own social community, like MySpace, where their students can go and discuss appropriate topics, chat in real-time with instructors or other students about homework problems (monitored for cheating, of course), or simply connect with other students like themselves with the same hobbies and interests. For an online school, in specific, this would give the students a sense of community and belonging … creating a virtual campus they can call their own.
It’s amazing how quickly technology evolves and, in my opinion, education should evolve just as quickly. I would love to see social networking incorporated in small ways into schools’ curriculums. What are your thoughts? Would you like to see it included in your school district, college or university’s curriculum?
Posted by admin on August 3rd, 2009
As new and returning college students gear up for the school year about to get underway, NextStudent Inc., one of the country’s longtime premier sources for college financing, has unveiled a new look to its website, www.nextstudent.com, with easier than ever one-stop access to a wide array of education financing options and information.
Since the spread of the post-subprime credit freeze into the student loan marketplace a year ago, non-government channels of student loan financing have shrunk to few and far between. Credit-based private student loans — which families have often relied upon to supplement their federal financial aid — have become especially difficult to come by, as several lenders of private student loans have gone out of business. The few lenders that remain have restricted their qualifying criteria to borrowers with superior credit or stopped offering private student loans altogether.
Even federal student loans, however, can be hard to find for those students whose schools have not yet transferred over to the Department of Education’s Federal Direct Loan Program but remain in the government-subsidized Federal Family Education Loan Program. Students enrolled at a FFELP school must obtain their federal college loans through a bank, state agency, or other third-party lender rather than directly from the government.
NextStudent, however, offers a simple online solution for those students and their families trying to find available student loans and other viable financial aid options.
The NextStudent website offers one-stop access to a network of multiple student loan providers. With just one click, students and parents can access a portal that allows them to compare dozens of student loans from various lenders and shop for the financing option that best fits the family budget. This portal puts students directly in contact with available lenders and allows students and parents to apply for student loans right then and there via these lenders’ online applications.
Courtesy of Marketwire.com
Posted by admin on August 3rd, 2009
Regardless of the progress we’ve made in online education, there still seems to be a stigma that surrounds it. As if it’s not the same quality or worth the same weight when job-hunting as a traditional diploma or degree.
While attending various college fairs, I’ve noticed many parents bypass the online schools and push their kids towards the more traditional post-secondary institutions. However, are these traditional schools always the best option for the student? Each student has a different learning style and some thrive in the classroom; whereas, some students perform better when they’re able to challenge themselves on a more individualized basis.
Not to mention that, for many college students who have to work full-time while going to school, online classes make it just that much easier to achieve their dream of earning their degree. Perhaps, 15 years from now when my kids are in college everything will be online. Given the choice of online vs. traditional brick-and-mortar schools - which would you choose?
