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Cell Phones Endanger Children
If your child uses a cell phone, take note. A recent news report has prompted renewed concerns about the safety of cell phone use, especially by children.
In January, 2005, The National Radiological Protection Board (NRPB), an independent...
Family Life or How to buy Tableware
For someone who appreciated the finer things in life,who wants everything to be just right, the luxury and elegance of Spode and MInton is for you.They have something for every stylish dining occasion,whethere formal or relaxed, with friends and...
Mental Detectors Not Metal Detectors:: Family Problem-Solving
At our workshops around the country, youth professionals continue to report seeing more and more children from deeply troubled homes. If you are not a mental health worker, your college training may not have prepared you for working with children...
Scrapbooking For Genealogists: 3 Creative Ways To Preserve Your Family’s History
Whether you've spent several days, several years, or some time in between in trying to uncover your family's history, you’re no doubt looking for some creative ideas for preserving whatever it is that you’ve found. After all, computer printouts...
Tools to Find Family-Friendly Content
The Internet is magnificent in its resources for families. Educational resources abound. Kids can easily find help for their homework blues without venturing to the library. Kids can chat with friends from far away for free; friends who, probably...
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Don't Let Rising Cost of Tuition Put Your Family in a Bind
(ARA) - The rising cost of tuition has put many families in a bind. A survey conducted by the National Association of State Universities and Land Grant Colleges found that tuition at public institutions increased in 37 of the states that responded. In Arizona, California and New York all surveyed schools reported in-state tuition increases of at least 20 percent. Tuition at the State University of New York has increased by 30 percent and at the University of California by as much as 40 percent over last fall’s levels.
While all parents want the best education for their children, financial constraints can be a burden on the long-term investment in their child’s education. However, with diligent planning, families can work together to develop solutions to this problem and be able to afford the best education for their children. Ray Loewe, college planning expert and advisory board member for the GE Center for Financial Learning, offers the following tips on college planning and ways to make the transition back to school more affordable.
* While tuition costs are on the rise, interest rates for paying back college loans will drop to an all-time low. It’s good news to those already paying off loans or who will start paying in the near future. According to “The Chronicle of Higher Education,” someone with $25,000 in debt could save about $5,000 in 20 years if he or she consolidates at this rate.
* Students should try and find a part-time job. Jobs offered on a college campus are ideal because
employers know from the outset that they’re hiring college students with their irregular schedules, tests and exams. They know that education is a priority and are usually more forgiving as a result.
* Many parents think that saving for college will just disqualify a student from getting financial aid. The actual fact is that income most often keeps students from qualifying for financial aid, not their assets. At the same time saving for education is an investment.
* There are four types of financial aid: scholarships, grants, loans and work-study employment. Colleges are not created equal regarding financial aid. Become familiar with your college’s financial aid packages.
* Apply for a loan. Loans are financial aid available to both parents and students. They are subsidized by the federal or state government, financial institutions or the college and may have lower interest rates than regular loans. Generally, you do not start paying back these loans until after college graduation.
There are many ways to prevent future financial hardships that can arise from paying for education, but having a plan is crucial. Web sites such as the GE Center for Financial Learning (www.financiallearning.com) can help you and your family take action to ensure an easy and trouble-free return to school each semester.
Courtesy of ARA Content
About the author:
Courtesy of ARA Content
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