paying for college

paying for college

Free Tuition for Starbucks Employees Through New Program

It’s no secret, college is expensive. For many, that expense has simply gotten too high. College tuition has risen 80 percent in the last 10 years alone. This increase means that some people can’t go to college, or complete their degree, no matter how much they desire to. Starbucks has decided to do something about this problem, and announced the Starbucks College Plan earlier this week.

Starting in the fall, Starbucks will help many of their part- and full-time U.S. partners (employees) complete their college degrees. Through a partnership with Arizona State University (ASU), Starbucks will allow its partners to finish their bachelor’s degree with full tuition reimbursement.

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It’s Almost Time to Submit Your FAFSA for the 2012-2013 School Year

fafsaIf you are one of the many college students who needs help paying for college, there’s an important date in your near future: March 1, 2012. Why is this date important? Well, if you want to receive government funds to help pay for you education, you need to have filled out and submitted the FAFSA by this date in order to qualify for the 2012-2013 school year.

What is the FAFSA? FAFSA stands for Free Application for Federal Student Aid and is a federal scholarship for students. Many students qualify for this need-based aid, but you must reapply for it each year in order to receive the money.

In the past, the FAFSA had a reputation for being overtly difficult to complete. Recently, the FAFSA received a makeover, which makes it easier to understand and complete; however, some people still have trouble with it the first time they fill it out.

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New Haven Schools Offer to Pay College Tuition for Students

Many students who want to to pursue a higher education face a serious problem: paying for this education. The cost of attending college has been steadily increasing for years, and the new high costs make it impossible for some students to continue their education.

While some students need to take out student loans and work full-time jobs to scrape by, all students who attend school in New Haven, CT need to do is two things: maintain a 3.0 GPA and attend 90 percent of their classes.

New Haven school officials recently unveiled the New Haven Promise. The New Haven Promise is a program that pays a student’s college tuition if he/she meets the requirements listed above. Students in qualifying public and charter high schools can apply for this scholarship. Read the rest of this entry »



How to Choose the Right 529 Plan

Paying for college is something that can strap both students and parents for cash. Whether you’re going to college in state, out of state or planning on attending a community college, education is expensive. Many parents are looking for the best option to afford the costs. For those parents that might be planning ahead, there are 529 Plans available to help and have been since 1996. These plans are in place to help you pay for your child’s college education and receive some tax breaks and other incentives. There’s not a lot of attention given to 529 Plans so many people don’t know they exist. Read the rest of this entry »



How to Avoid Debt to Pay for College

credit-cardsNo one ever said college wouldn’t be expensive. In fact, along with all other costs, college expenses are on the rise. Whether you decide to attend a community college for completion of your core classes, or spend all four years at a university, money is going to be a factor. Many students stress about the costs involved, while some students skip college all together because they can’t afford it.

There are a lot of resources to help you pay for college, however, including scholarships, grants, student loans and work study programs. Scholarships and grants are options that don’t have to be paid back while student loans must be repaid, sometimes along with interest, depending on the type of loan. Federal student loans, grants and work study eligibility are determined through filling out a Free Application for Federal Student Aid (FAFSA). Student loans are very popular among college students, but if you are looking to stay out of debt while in college, loans should be avoided.

Some of the best ways to graduate from college without any accumulated debt appear below. Utilizing some or all of these pointers will help you get out of school with no debt: Read the rest of this entry »



Resources for Student Loans

Many people choose not to attend college not because they cannot afford the education. Many individuals believe that they do not qualify for scholarships and simply give up the dream of attending college. There are numerous misconceptions about college loans as well. College loans are an excellent way to pay for school without having to add stress while in school.

A lot of individuals think that they do not qualify for loans. The fact is that banks, companies, private entities and even the government all give out loans for educational purposes. Anything related to education is considered an expense such as tuition, books, housing, lab fees, food and many other factors. The question remains as to how and where can someone receive access to these loans?

The best option is to talk to a college or high school admissions counselor as to what specific loans are best for your personal needs. Once you have found the school you wish to attend talk to a financial or admissions counselor about the specific requirements that the school has concerning tuition and financial obligations. Although rare, some institutions allow individuals to pay for tuition on a payment plan instead of lump sum payments. If you do decide to do a payment plan then you will need a smaller loan over a longer period of time from the loan provider.

Take the time to apply for grants and scholarships. There are thousands of hidden organizations willing to give away money to eager students. Do online research to locate scholarship opportunities. Fill out the FAFSA and SAR government aid options to further augment your monetary situation. After you have applied for financial aid and received any scholarships from the college of your choice, factor in the bottom line total of how much money you are going to need to cover all costs of a college education.

Check with your local bank first before reaching out to a specific college loan provider. Banks will usually offer more reasonable interest rates than other private loan providers. Banks will have college loan options tailored to your specific degree and major. Some banks will also have access to many different types of private and sometimes government loans such as the Stafford Loan, PLUS loans, School Certified Private Loans, which are dependant upon your school’s participation in the program, and Non-Certified Private Loans. The greatest plus banks have is that your loan can be repaid in a time frame that is comfortable with your schedule. Many private loan providers want students to repay loans starting within 6 months of graduation.

Private loan companies such as Astrive Loans, eStudent Loans and American Educational Services make college loans their top priority. Each company is different but mostly offers more information than banks on the student loan process. Students can easily search and apply for thousands of loans, research financial aid options and gain quick access to money. The downside of private loan companies is the structured repayment schedule, high interest rates and the impersonal feeling of not having a private banker at your disposal.

Before making any decision research all options thoroughly and decide which loan is best for your personal situation.





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