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by Paulina Mis

After passing the Senate and the House in varying formats, a compromise was reached on legislation that would help lenders stay afloat in a troublesome student loan market. The Ensuring Continued Access to Student Loans Act of 2008 was sent to the President yesterday, and rapid approval is expected.

If signed into law, the bill would give the Secretary of Education the right to buy loans from struggling lenders, thus providing them the capital needed to offer new student loans. Worried that lenders may continue to depart from the Federal Family Education Loan (FFEL) program—as fifty have already done—legislators have been scurrying to provide financial assistance before the school year begins. Though the law would only serve as a backup plan, the hope is that knowledge of a federal cushion would make both lenders and students more willing to engage in business.

To decrease student dependence on private lenders, ones generally offering loans options that are more expensive and less flexible than those offered by FFEL lenders, the maximum sum a student could borrow from the government was also increased. According to The Christian Science Monitor, the caps on unsubsidized loans available to students of any income level would increase by $2,000 for each school year. Dependent students would now be able to borrow up to $31,000 for their undergraduate education.


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by Paulina Mis

When doors to the new University of Central Florida College of Medicine open in 2009, they will open with a bang. In the hope of attracting the best and the brightest, medical practitioners and college representatives from the University of Central Florida have raised enough money to reimburse the first class for all four years of medical school. They will cover not only the tuition but also the fees and living expenses. With the Association of American Medical Colleges estimating the average debt of medical school graduates to be at about $139,000, the deal is sweet enough to cause a toothache.

“I think setting the bar high for the quality of the first class will set the stage for the caliber of every class that follows,” said Tavistock Group director and donor Rasesh Thakkar. Fundraisers have been in place since 2007 to make that happen. After tapping all possible resources, the school is expecting to admit a class of about 120 students which, based on a four-year plan, will receive a grant worth approximately $160,000.

Students interested in attending the school may begin applying in June of 2008. If accepted, they will automatically receive the award---no lengthy essay competitions, no laborious commitments, just money. “UCF stands for opportunity,” states the university website. When studies and internships leave little time for outside work, a full tuition scholarship is the epitome of such opportunity.


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by Paulina Mis

After an appeal by the Students for Sensible Drug Policy (SSDP), an international grassroots network of students concerned about the impact drug abuse has had on communities, the court has once again rejected the claim that withholding federal student aid from drug offenders is unconstitutional.

According to the 1998 Higher Education Act, students who have been convicted for having, for the first time, used drugs are to be denied federal college funding, including free aid in the form of Pell Grants, from the government for one year. The length increases to two years for a second conviction and becomes permanent after the third. For those convicted of selling drugs, the punishment is a two-year federal aid loss or, for two offenses, the permanent withholding of federal aid.

The SSDPF has complained that the double jeopardy law, one which prevents an individual from being tried twice for the same offense, makes such procedures illegal. According to The Chronicle of Higher Education, Judge Kornmann disagreed with the claim stating that the law served legitimate federal interests by minimizing college drug use and preventing taxpayers from having to fund the education of drug users or sellers.

Posted Under:

College News , FAFSA , Financial Aid


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A College Loan Glossary

April 29, 2008

by Paulina Mis

Financial aid in the form of scholarships and grants is a student’s best bet when searching for college funding. Families who cannot pay for a student’s education without outside assistance should first turn to cost-free resources. When these prove insufficient, students can consider borrowing money for college.

With recent articles detailing the plights of indebted students and their troubled lenders, it’s no surprise that students are intimidated by the borrowing process. If one’s economic situation calls for assistance in the form of student loans, getting comfortable with the lending process is a good way to get rid of the loan jitters. So before you sign on the dotted lines, familiarize yourself with the following terms:

The Basics:

  • Annual Percentage Rate (APR): The Annual Percentage Rate is the total annual cost of a loan, including all fees and interest, expressed as a percentage.
  • Co-Borrower/ Co-Signer: A person, other than the borrower, who signs the loan promissory note. If the borrower does not pay, the co-borrower is responsible for payment of the debt.
  • Consolidation: The process of combining several federal or private loans from multiple lenders into a single loan. Consolidation is done to reduce the monthly payment amount, simplify the repayment process and/or increase the repayment period.
  • Default: A default is a failure to repay a loan in accordance with the terms of the promissory note. Defaults can also occur if students fail to submit requests for deferments or discharges (cancellations) in a timely manner. For Perkins Loans: Failure of a borrower to make a loan-installment payment when due or to meet other terms of a signed promissory note or written repayment agreement. For FFEL and Direct Loans: Failure to make a loan-installment payment on (a) a loan repayable in monthly installments for 180 days or (b) for FFEL, a loan payable in less frequent installments for 240 days.
  • Interest: Interest is an amount charged to the borrower for the privilege of using the lender's money. Interest is usually calculated as a percentage of the principal. The percentage rate may be either fixed or variable, depending on the terms of the loan.
  • Lender: A financial institution, agency or school that provides loan money
  • Principal: The amount borrowed (may increase because of interest capitalization). Interest is usually calculated as a percentage of the principal.  

The Rest:

  • Accrued Interest: The accumulated interest on a loan. It may be compounded or simple and is usually paid when the principal becomes due. Depending on the loan, the interest accrued between the disbursement date and the time a payment must first be made may be the responsibility of the borrower or of the government.
  • Average Daily Balance (ADB): The sum of unpaid principal on all qualifying loans. The ADB is based on each day’s current interest rate and the number of days in the quarter.
  • Amortization: The process of gradually repaying a loan through periodic payments of principal and interest.
  • Cancellation/Discharge: A cancellation occurs when a borrower meets the requirements necessary to nullify his/her obligation to repay all or a part of the loan.
  • Capitalized Interest: The interest added to the principal amount of your loan. Future interest will be based upon the higher amount. Capitalizing is a consequence of delaying interest payments; it increases the amount of the principal and, consequently, the total amount that must be repaid.
  • Collateral: Property of a borrower that is pledged as security in case he/she does not repay the loan. It may become property of the lender if the borrower fails to repay the loan.
  • Commercial Bank: An institution whose primary function is to make loans to businesses.
  • Deferment: A period of postponement during which loan repayment is suspended. The borrower must meet deferment requirements as established by law to have his/her payments suspended. For subsidized loans, interest is not accumulated during the deferment. Interest does accrue during the deferment period on an unsubsidized loan.
  • Deferred Interest: Interest payments that are delayed while a borrower is not employed, as, for example, when the borrower is a student. This benefit is generally characteristic of federal and state guaranteed student loans.
  • Delinquency: You are delinquent if your payment is not received by the due date. Delinquencies greater than 30 days are reported to national credit bureaus.
  • Disbursement: The release of loan funds to the school for delivery to the borrower. Disbursements are usually made in equal multiple installments co-payable to the borrower and the school.
  • Entrance Counseling: Each institution participating in the Federal Perkins, FFEL, and Federal Direct Loan Programs (excluding PLUS and Direct PLUS Loans) must offer loan entrance counseling to first-time student borrowers. The institution must offer this counseling before the delivery of the first disbursement of any loan to a borrower at the institution. Entrance counseling covers the borrower's rights and responsibilities, the terms and conditions of the loan and the consequences of default.
  • Exit Counseling: Each institution participating in the Federal Perkins, FFEL, and Federal Direct Loan Programs (excluding PLUS and Direct PLUS loans) must offer loan counseling called "exit " counseling to student borrowers. For Federal Perkins borrowers, the interview must take place before the borrower leaves school. In the case of FFEL and Federal Direct Loan student borrowers, the interview must take place shortly before the borrower ceases at least half-time enrollment. During the interview, the borrower's rights and responsibilities are reviewed, details about handling loan repayment are discussed, and the average indebtedness of the school's borrowers must be disclosed. Borrowers are also required to provide updated personal information such as address, telephone number, employer (if known), and driver's license and state of issuance.
  • Fixed Interest: Interest rate that remains the same for the life of the loan.
  • Forbearance: When an FFEL lender (or the U.S. Department of Education for Direct Loans) allows a temporary cessation of payments or reduction of payment amounts for subsidized or unsubsidized Federal Stafford, Federal PLUS, Federal Perkins, or Federal Direct Loans. In doing so, it allows an extended period for making payments or accepts smaller payments than were previously scheduled. Forbearance may be given for circumstances that are not covered by deferment. Interest expenses continue to accrue during forbearance.
  • Grace Period: The period that begins the day after a loan recipient ceases to be enrolled at least half time and ends the day before the loan repayment period starts. Some loans have a grace period so that repayment doesn't begin until several months after graduation. Grace periods are specified in the promissory note.
  • Interest Subsidy: Interest the federal government pays on certain loans while borrowers are in school, during authorized deferment, or during grace periods.
  • Interest-Only Payment: A payment that covers only accrued interest owed on a loan and none of the principal balance. Interest-only payments do not prohibit borrowers from making additional or larger payments at any time if the borrower desires.
  • Loan Disclosure Statement: A statement sent to a loan borrower by the lender before or at the time it disburses a loan, as well as before the start of the repayment period. The purpose of the disclosure is to provide the borrower with thorough and accurate information about the loan terms and the consequences of default. It includes information such as: • amount of the loan, • interest rate, • fee charges,• length of the grace period (if any),• the maximum length of the repayment, the minimum annual repayment, deferment conditions, and the • definition of default.
  • Master Promissory Note (MPN): An agreement a student signs when taking out a Stafford Loan. The Master Promissory Note covers both the Subsidized and Unsubsidized Stafford loans the student may receive for the same enrollment period. If the student is attending a 4-year or graduate school, the Master Promissory Note also covers Subsidized and Unsubsidized Stafford loans the student may receive for future enrollment periods.
  • Origination Fee: The origination fee is an upfront charge deducted from the loan to pay part of the loan's administrative costs.
  • Prime Rate: The prime interest rate is the rate charged by commercial financial institutions for short-term loans to corporations or individuals whose credit standing is so high that little risk to the lender is involved in making the loan. This rate fluctuates and serves as a basis for the interest rates charged for other loans.
  • Private Loans: Private loans provide funding when other financial aid does not cover costs. These loans are offered by banks or other financial institutions and schools to parents and students.
  • Promissory Note: A binding legal document that a borrower signs to get a loan. By signing this note, a borrower promises to repay the loan, with interest, in specified installments. The promissory note will also include any information about the grace period, deferment, or cancellation provisions, and a borrower's rights and responsibilities with respect to that loan.
  • Repayment Schedule (A Specific Timetable): The borrower's repayment plan detailing the amount of loan principal and interest due in each repayment installment and the number of payments that will be required to pay off the loan in full. A repayment schedule traditionally lists the loan's interest rate, the due date of the first loan payment, and the frequency of loan payments.
  • Simple Interest: Interest computed only on the original amount of a loan.
  • Subsidized Loan: A subsidized loan is awarded based on financial need. You will not be charged any interest before you begin repayment or during authorized periods of deferment. The federal government "subsidizes" the interest during these periods.
  • Variable Interest: Interest rates that fluctuate periodically (usually annually). The interests rates of federal Stafford and PLUS Loans disbursed between July 1, 1998 and June 30, 2006 are variable. Those disbursed after this date are fixed.

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by Paulina Mis

Last year, we wrote an article about the Coca-Cola Scholars Program, a scholarship opportunity created to help college students afford an education. Unfortunately, the four-year scholarship program we concentrated on did not take into consideration the numerous deserving students who planned to attend a two-year program. With college costs rising at rates that outpace inflation, the number of students who choose to take the community college route is growing quickly.

Because many scholarship providers limit their awards to students who enter four-year programs, students who wish to enter two-year schools often feel their options limited. Luckily, Coca-Cola did not forget about these students. Since 2000, the Coca-Cola Two-Year College Scholarship Program has been helping students afford a community college education. Those interested in applying for this award should contact a financial aid representative at their college of choice for details specific to their school.

Prize:

1. 350 scholarships of $1,000 each

Eligibility:

1. Applicant must be a US citizen or permanent resident

2. Applicant must have a minimum 2.5 GPA

3. Applicant must be involved in the community as a volunteer or worker

4. Applicant must plan to enroll in at least two courses at a two-year college in the upcoming fall semester

5. Applicant must be pursuing an associates degree

6. Applicant may not be a child or grandchild of a Coca-Cola employee, officer or owner of a Coca-Cola bottling company, division or subsidiary.

Deadline:

May 31, 2008

Required Material:

1. An application asking for biographical, community service and employment information

Further details about the application process and about contacting the scholarship provider can be found by conducting a free college scholarship search. Once the search is completed, students eligible for the award will find it in their scholarship list.


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by Paulina Mis

Many intelligent, talented and hard-working students, ones who have the know-how and determination necessary to succeed at top universities, feel that finances are holding them back from the education they dream about. With the annual costs of Harvard estimated at $34,000, Duke $35,000 and Columbia $37,000, it’s no wonder that students shy away from just the though of prestigious schools. When one considers tuition, a troublesome economy and the weary prospects of student lenders, high school dreams become just that.

However, students are often unaware that many of the best financial aid packages are available to those who plan to attend the most impressive (and expensive) schools. Cream of the crop universities know that many cannot afford their high costs. To avoid missing out on a diverse student body—one that can contribute to academics and cultural perspective—they offer very generous financial aid packages. Elite schools often cut tuition by the thousands, if only students knew that.

If you have high hopes about attending an elite college or university, don’t give up before you start. Instead, become educated about your financial aid options. Check out university websites, conduct a free scholarship search and take a look at the hefty financial aid options below.

Stanford Financial Aid

In the ongoing Ivy League battle for the most promising students, Stanford has once again increased the size of undergraduate financial aid packages. Students whose parents make less than $60,000 will soon be attending the school for free—no tuition, no room and board, no additional expenses. Those whose parents make between $60,000 and $100,000 will have their tuition paid for but will be expected to cover other expenses. Unfortunately for those whose parents make more than that, tuition will increase this year.

Harvard Financial Aid

Like Stanford, Harvard has already eliminated contribution requirements for students whose household income is lower than $60,000 per year. But that's not all; they have also upped financial aid for to the less needy. Students whose parents make between $60,000 and $120,000 will be expected to pay no more than 10 percent of estimated college costs and those making between $120,000 and $180,000 will be expected to pay 10 percent.

Duke Merit Scholarships

Students who apply to Duke are automatically considered for one of Duke University’s Merit Scholarships. A number of awards are granted, and they can be quite generous. Students who are selected for the Angier B. Duke Memorial Scholarship, for example, can win full tuition for four years, a spot at a Duke/Oxford College summer program in England, a $2,500 stipend for expenses and a President Research Fellowship of up to $5,000.

Northwestern University Scholarships

Northwestern University gives away more than $50 million annually to helps undergraduate students meet the financial costs of this private university. All awards are based on financial need and funding availability. About 50 percent of students receive university aid packages which range in size from $250 to $33,000 (with $15,000 being the average).

University of Chicago College Honor Scholarship

Twenty undergraduate students attending the University of Chicago will be awarded the College Honor Scholarship—an award that covers full tuition for all four years. To be considered for this award, students should check the scholarship box upon filling out their college application. The awards are merit-based so students who have an exceptional academic record will be the ones rewarded.


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by Paulina Mis

As far as we know, there isn’t one. Let’s begin by addressing your first question: if there is no catch, who's paying for this, and what's their work incentive? The answer is FlatWorld, and, if things go right for the new company, guidebooks, work materials and requests for in-print versions will be sufficient to cover labor costs and to generate profits.

Since 2007, FlatWorld has been crafting their innovative idea, and it plans to make services available to the public by 2009. The diversity of their textbook selections and the facility of their use will largely determine the success of their new venture, but students aware of FlatWorld will probably, at the very least, check out their site. According to The Chronicle of Higher Education, the average college student spends over $900 on textbooks—annually. Being able to pocket a good chunk of that money will significantly alleviate financial burdens caused by increasing college rates.

Electronic book versions are not exactly new, and companies less geared towards college students dealing with unregulated textbook costs have already offered similar services. Electronic books in general are growing in popularity, especially the fee-based ones. If you’ve done some Amazon shopping or people watched on the train in recent months, you’re probably familiar with the new Amazon electronic reading device. It’s catching on quickly, but, truth be told, there’s just something about physically holding a piece paper. As much as I love branches, I couldn’t help but print out class articles en masse during finals week, ones I could have easily browsed online. (In my defense, I did fit four pages on one sheet.) The ability to quickly scribble a note, double star a sentence or circle a key word just makes the learning process more interactive and complete.

Still, I’m willing to bet that dishing out $120 for a textbook that can’t be resold due to future edition changes can make a little inconvenience worthwhile. Most money management tactics can. And FlatWorld is doing its best to make up in ease what they lose in “that special something”. By making their texts editable to both students and the professors who assign them, they have made their options a bit more user friendly and appealing. Readers can even interact with each other during the reading process—I smell an attractive cliff note opportunity.  Dragging your desktop to the quad may be a bit of a pain, but being able to afford vacation time may give you an incentive.


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by Paulina Mis

In an anticipated statement outlining potential changes to the No Child Left Behind Act (NCLB), the Department of Education Secretary Margaret Spellings announced new plans to amend the act. Key improvements included the standardization of graduation rate calculations and the heightening of awareness about family tutoring and school transfer options.

Based on current regulations, states are permitted to define not only their benchmarks for academic success, but also the methods for determining their high school graduation rates. The problem with this approach became particularly evident after a  study comparing graduation gaps between major cities and suburbs suggested that numerous states fared much worse than their graduation data suggested.

Under the secretary’s new plan, all high schools would have to determine graduation rates by dividing the total number of high school senior graduates by the number of freshman who began four years earlier, with adjustments made for transfer students. Students who took extra years to finish would not be considered to have successfully completed the program, indicated a Los Angeles Times article covering the story.   The issue of assisting students attending “at risk” schools was also tackled, with the Secretary proposing an increase in efforts made to inform parents about alternative scholastic options for their children. Students who attend such schools have the option to switch to a more successful district school and additional tutoring opportunities should be made available to them. To address the problem of transportation costs to new schools, Margaret Spellings suggested that funding set aside for that purpose be increased.

In regards to the frequent requests for flexibility in measuring the progress of students with disabilities and those with limited English skills, the Secretary of Education stated, “the Department promulgated regulations to permit States to include in their AYP [Annual Yearly Progress] determinations the proficient and advanced scores of students with disabilities assessed based on alternate and modified academic achievement standards, as well as regulations that provide flexibility in the assessment of, and accountability for, recently arrived and former LEP [Limited English Proficiency]students.” 

The official version of this statement will be made available today in the Federal Register, and the public will have 60 days to respond before proceedings move forward.

As the NCLB primarily affects students, Scholarships.com has created an opportunity for them to voice their opinions about its effectiveness. In the 2008 Scholarships.com Resolve to Evolve Essay Scholarshiphigh school seniors were asked to determine and elaborate on why the NCLB has or has not been successful in reaching its goals. The number and quality of responses were nothing short of impressive. Winners of the annual Resolve to Evolve competition will be announced on June 30, and their essays will be made available to the public. Top responses will also be forwarded to the proper officials in the hope that we too can be a part of the solution.

Posted Under:

High School , High School News


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by Paulina Mis

To alleviate the affects of the intensifying credit crunch, Sallie Mae has been lobbying for government assistance. In past months, student lenders have been struggling to find buyers for both their loans and their loan securities. Sallie Mae, the largest student lender in the business, has turned to the government for assistance, asking that the US Treasury assuage loan market tensions by purchasing their securities.

In yesterday’s PBS Nightly Business Report, specialty finance analyst Sameer Gokhale and student loan expert Tom Stanton weighed in on the potential effects of such a move. According to Sameer Gokhale, a quick infusion of cash from the Treasury would, “help all of those lenders and ultimately result in a smoother flow of capital back into the student loan system.”

Tom Stanton took a different approach claiming that federal intervention was not yet necessary. “In its last year as a government sponsored enterprise, Sallie Mae made something like 73 percent return on equity, a very generous return. There’s no need at this point to go back to the government and get support,” he stated.  

Even if student lenders continue to drop out of the government’s FFEL program and assistance such as that requested by Sallie Mae is not offered by the Treasury, students will have federal student aid  resources to rely on. A Department of Education lender of last resort measure wherein the government would act as a lender to students denied loans by other lenders would prevent financial catastrophe, but according to the Nightly Business Report Correspondent Stephanie Dhue, resorting to such a plan would be more time consuming than enhancing funds for the one already in place. 

The lender of last resort is yet untested, and, although details are being addressed by Congress, setting up the new program could be painstaking for schools. However, with the Chronicle of Higher Education citing more than fifty FFEL student lender departures, the program may be put into action regardless.


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by Paulina Mis

Each year, the Henkel Corporation awards college scholarships to individuals who are literally stuck at prom. This contest encourages student creativity and expression by rewarding individuals for creating the most tapeworthy prom attire---attire made completely out of duck tape. Submitted photographs from eligible couples will be posted online and voted on by site visitors. Criteria will include workmanship, originality, use of colors, accessories and the quantity of duct tape used.

Prize:

1. One $3,000 scholarship for each individual in the couple

2. One $2,000 scholarship for each individual in the couple

3. One $1,000 scholarship for each individual in the couple

Eligibility:

1. Applicant must be attending a high school prom in the spring of 2008.

2. Applicant must be 14 years of age or older at the time of entry.

3. Applicant must be a legal resident of the US or Canada (excluding the Province of Quebec and Puerto Rico).

4. Applicant may not be an employee of the sponsor or their family member, nor may they live in the same household as an employee.

Deadline:

Wednesday, June 11, 2008

Required Material:

1. Photograph of the couple wearing a prom outfit made completely out of duct tape

2. The individuals’ first names, addresses, telephone numbers, email addresses, ages, grade levels and the name of the closest major city to their home towns

3. A liability, publicity release and consent form signed by each individual; if the applicant is a minor, parental permission is required

4. The high school name, address and telephone number, as well as the date the prom was held. 

Further details about the application process and about contacting the scholarship provider can be found by conducting a free college scholarship search. Once the search is completed, students eligible for the award will find it in their scholarship list.


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