Student Loan Consolidation


Student loan consolidation combines all of your student loan debts into one, lower-interest loan. When you consolidate student loans, you can lock in low, fixed interest rates, reduce monthly payments, and/or lengthen the amount of time you have to repay the loan. You can consolidate student loans using federal or private consolidation loans. You can apply for both right here on our site.

The benefits of consolidating your student loans are substantial. Almost anyone with student loans can benefit from a consolidation loan. With most student loans, your interest rates can rise considerably unless you lock in a fixed rate with a consolidation loan. Here are some of the reasons you might want to consolidate student loans:

* No credit check required for federal consolidation
* Apply online
* Combine all student loans into one easy monthly payment
* Lower your monthly payments by up to 50%
* Get up to 20 years more to repay your student loans
* Get a low, fixed interest rate that lasts for the life of the loan
* No cosigner necessary for federal consolidation
* No origination or application fees
* No prepayment penalty

Interest rates and payments

Consolidation loans have longer terms than other loans. Debtors can choose terms of 10–30 years. Although the monthly repayments are lower, the total amount paid over the term of the loan is higher than would be paid with other loans. The fixed interest rate is calculated as the weighted average of the interest rates of the loans being consolidated, assigning relative weights according to the amounts borrowed, rounded up to the nearest 0.125%, and capped at 8.25%. Some features of the original consolidated loans, such as postgraduation grace periods and special forgiveness circumstances, are not carried over into the consolidation loan, and consolidation loans are not universally suitable for all debtors.

Top consolidation lenders ranked by total FY 2006 consolidation loan originations
Lender name
       # of loans
          Amt of loans ($)
Federal Direct Student Loan Program
        1,169,110
$19,197,268,873
Sallie Mae
866,295
$19,841,423,841
Citibank
232,126
$4,843,119,089
Nelnet
198,624
$4,796,065,812
NextStudent
89,284
$3,320,024,025
JP Morgan Chase
115,777
$2,668,451,098
Goal Financial, LLC
111,426
$2,494,856,673
College Loan Corporation
75,360
$2,245,128,826
AES/PHEAA
166,730
$2,037,618,548
Student Loan Xpress
114,790
$1,880,997,383
Wachovia Education Finance
80,174
$1,674,979,763

Student Loan Consolidation – Thinking About Your Financial Future Today

Student loans influence your future financial decisions and your credit. When student loan debt has exceeded eight percent of your income, it can be seen as bad credit when assessed for further loans such as home loans. This may not seem very important right now, but student loan consolidation can have a positive impact on your financial future.

Two Approaches In Reducing Your Student Loan Debt

1. You could eliminate or reduce the primary balance.

2. You could reduce the monthly total payment. Given that debts are measured by comparing your income to the loan payment, if your payment is reduced, it can help you in improving your credit.

With student loan consolidation, you can merge all of your loans into a single loan with one payment per month.

When interest rates of loans fall, your education loans could be consolidated or refinanced.

There are many kinds of student loan consolidation plans offered today. When students do not consolidate their student loan debt, this will result in the inability to acquire future mortgages, car loans, credit cards, and other kinds of credit in many cases.
5 Benefits Of Consolidating Your Student Loans

1. Easy to maintain, single payments per month.

2. Enables you to have manageable repayments of your student loan after you have graduated, especially if you had huge student loans.

3. Student loan consolidation is also beneficial to those students who have graduated; but find that they're still having difficulties managing the payments of all of the student loans they acquired to cover their college fees.

4. A more organized and cost effective plan, with lower interest rates will help you save some money.

5. A long term plan to paying your loan, giving you a longer time frame to pay for your loan. A longer payment plan also means a lower monthly payment, which gives you more flexibility

It is very simple to apply for a student loan consolidation. While your application for student loan consolidation is being processed, it’s important that you continue to pay for the existing student loans.

The lending institution would pay all the existing loans if you qualify. You would then make the payments for your consolidated student loans.

If you are looking for an efficient and cost effective way of managing your student loans, then student loan consolidation may be the right option.

By getting a student consolidated loan today, you gain more financial freedom and you can save money through lower interest rates and at the same time improve your financial future.


Dean Shainin is a consultant specializing in student loan consolidation. Get valuable resources, tools, information and more articles on student loan consolidation, visit this site: http://www.studentloanconsolidationtips.com


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Consolidate Student Loan Video

Student Loan Consolidation Explained with Play-Doh


Advice and Tips on Getting a Mortgage Loan

How to Master MBA Interviews

The season for interviews! This is the most unpredictable portion of the MBA application process, since every interviewer is different. The same interviewer may even react differently depending on his or her mood that day. For the lucky round one MBA applicants who have been invited to interview by their target business schools, here are several tips for preparing and guidance on what to expect.
The role of the interview varies by program, so if possible, reach out to your network of current or former students at the school for an insider perspective. Most MBA programs will offer the option to interview on campus or with a local alumni volunteer. You should make your decision based on your personal needs,
rather than on the basis of how it may look to the admissions committee.
If you have the time and resources to visit the school, you'll have a great opportunity to meet current students and attend classes. However, if an on-campus interview coincides with a big quarterly meeting at your job, the additional stress would likely make the experience far less beneficial, so it's probably better to interview with a local volunteer. No matter which option you choose, the admissions committee uses the same metrics to evaluate your performance.
[Learn how to map out your MBA timeline.]
The first step in preparing for your interview is to review your applications. A few weeks have probably passed since you hit the submit button, so you'll need to return to the MBA applicant mindset by reviewing your overall application strategy. If your interview is "blind"—meaning the interviewer hasn't seen any of your application materials—this review will help you remember what aspects of your background you want to highlight.
At some MBA programs, such as Harvard Business School, the interviewer will have already reviewed your application and will tailor his or her questions specifically to help the admissions committee learn more about you.
The second step in your interview prep is to review some typical questions. Many candidates post their experiences online in boards, forums, and blog posts.
Once you have a list of likely questions in hand, you can use those questions to practice. Being concise, focused, and enthusiastic is your goal, and knowing what talking points you want and need to share will help. Write out short bullet points to outline what you would say in response to your practice questions.
[Read five MBA interview mistakes to avoid.]
When I was at the Kellogg School of Management at Northwestern University meeting on-campus recruiters for a summer internship, I learned about an interview technique called the STAR method. I consider it one of the most useful frameworks for effectively answering interview questions.
For those unfamiliar with this technique, STAR stands for situation, task, action, and result. The STAR technique can be applied when asked "situational" questions, such as: "Tell me about a time you failed;" "Tell me about a time you came up with an innovative solution;" "Tell me about a time you managed a difficult project;" and "Tell me about a time you led a team."
The power of the STAR method is that it allows you to formulate a very complete answer, but it keeps your answer organized and prevents you from rambling on and on—a common occurrence in interviews.
Here's one example of how you can organize your notes:
Situation: "Product A was losing market share to a new competitor."
Task: "I needed to create a plan to regain our lost share."
Action: "I led a team to implement tactics A, B, and C."
Result: "We regained lost share, plus 10 percent."
And then you stop.
[Avoid seven deadly sins of b-school applicants.]
Often, the interviewer will probe further, asking for very specific details related to your story. You need to be prepared to elaborate, but just start with the basic elements of your story. STAR will help you get there.
Once you know what you need to say, the only thing left to do is to practice. Enlist the help of family and friends, and ask them to provide constructive feedback. After you have undergone several mock interviews, you will feel more relaxed and be able to focus on connecting with your interviewer and demonstrating your enthusiasm for the school.
If time permits, think of a few interesting questions to ask the interviewer at the end of the conversation. Alumni interviewers will enjoy reminiscing about their experiences, and will especially like any questions about clubs or activities they were part of. Current students can provide a great perspective on what they wish they had known, or the most interesting aspect of their MBA experience.
Now that you have done your interview homework, the final step is simply to relax and enjoy the process.
Source : www.usnews.com/education/blogs/MBA-admissions-strictly-business/2012/11/02/how-to-master-mba-interviews

Telling About Cyber Learning

Internet Education or Online Education is highly preferred by teens and adults these days because of its innumerable advantages. Advancement of technology has helped the human race in many ways and one of its benefits includes Cyber Learning. However, a person must not overlook or be blinded by its many benefits as everything has its own pros and cons. So, one must assess all the aspects and then take his/her final decision.

Reputation of any online school or university must be checked properly. Already experienced people are of great help as they know the nitty grittes of this trade. Before taking admission in any e -learning school, always go through the many alternatives and options provided.

Nowadays there are wide ranges of degree rendered by many internet institutes, at the end decision is yours whether your interest lies in computer science or you see your future in a law firm. Go for what your heart wants don't let others pressurize or influence you.

Online education is tailor made for those people who have busy lives and family commitments, can't afford to go to a fulltime school but still want to obtain a degree. Internet education gives you the most anticipated freedom and flexibility, but it also comes with a responsibility. You can't take your education for granted because at the end it's you who will suffer the consequences of being left behind in this competitive world.

Before paying the fees a prudent person should weigh all the merits and demerits of an online program. E-learning comes with the gain of deciding your own study pattern and schedules so the students must devise a proper study plan to achieve the desired results.

Online Schooling is affordable and cheap classrooms. You only have to pay the monthly fees through an online transaction whereas a regular class room demands a yearly lump sum amount. They provide programs of shorter durations like Associate degree, Masters Degree and Bachelors Degree. I know it looks so appealing but don't grab all the opportunities in one go as a single person will not be able to cope with the sudden study load.

Cyber learning also provides with you many helpful references and library books to guide you in your education. You don't have to worry about the geographical location hindrance in distance learning because you can sit in your home and study peacefully.

Self motivation is a prerequisite in e-earning because if you will replace your study time with fun activities then you will not derive any benefit from this facility. So be wise and utilize the opportunity given to its best.

After you have analyzed all the points and you feel that a particular institute will help you in your skill enhancement then there is no need for further delay, you can happily submit your application form.
Source : educationtips007.blogspot.com/2012/01/cyber-learning-boon.html

Tips learning for women

Busy lives, especially those of women, have changed the way goods are marketed and delivered to consumers. The 24-7 marketing strategy of the past decade which makes supermarkets, gas stations, discount chain stores, and even financial institutions, available to their customers 24 hours a day, seven days a week, has now come to education. Today, with distance education, students can attend school anywhere in the world, any time of the day, without ever leaving home.
Tips learning for women
As more and more demands are put on women, they need more options to meet them. For women who need to further their education for personal or professional reasons, distance education may be just the option they're looking for.

Distance education is not a new concept. At one time, it was called correspondence school. The biggest change in recent years, though, is not what it's called but how it's delivered. With videotapes and computers, today's higher education students don't have to go to collegecollege comes to them.

And there are numerous colleges offering distance education. According to the U.S. Department of Education, 44 percent of all two- and four-year higher education institutions offered it in 1997 and had 1,343,580 students enrolled in college-level, credit-granting distance education courses.

Women are a major target for distance education because of their growing and dominant enrollment in postsecondary education. Between 1987 and 1997, the number of men enrolled in college rose seven percent, while the number of women enrolled increased by 17 percent. In 1997, women were 56 percent of all college students compared with 52 percent in 1983. Their enrollment share is expected to rise to 57 percent by 2008.

For many women, distance education is their best choice. Here's why:

*It's accessible. Women can study what they want, not settle for what's nearby. Kimberly Dawn Blum is an example. She earned her bachelor of science degree from California State University- Hayward the traditional way. But after marrying, moving to Texas, and having children, she couldn't find a program close to home to pursue a master's degree in business administration. That's when she discovered distance education and began taking classes at the University of Phoenix. After completing that degree in 1996 she became a doctoral candidate at Walden University, a distance education institute in Minneapolis, Minnesota.

*It's flexible. Women can study when they want, completing course work on their schedule, not the college's. For women, like Blum, with family obligations and others, like Marsha Hunter of St. Paul, Minnesota, with professional obligations, that's one of distance education's biggest benefits.

At age 45, Hunter decided to explore the possibility of leaving her 25-year career as a professional musician to pursue her interest in aeronautics which she developed as an amateur pilot. While continuing to meet her performance commitments she attended, Embry-Riddle Aeronautical University, via computer, in Daytona Beach, Florida, which trains engineers, pilots and air traffic controllers. Hunter's flight in cyberspace from St. Paul to Florida landed her a master's degree in aeronautical sciences in May 1999. She is now an independent researcher and consultant in aeronautical human factors, studying human interaction with aeronautical systems.

* Distance education is a good match for women's learning styles. During the last two decades researchers like Carol Gilligan, Mary Belenky and Dorothy MacKeracher have found that collaboration is the key to better performance by females in the classroom. In 1997 a study at California State University-Northridge revealed that students learning in a virtual classroom tested 20 percent better across the board than their counterparts in a traditional classroom. Jerald Schutte, the Northridge professor who conducted the study, said the results of the research can be explained by the online collaboration created in the virtual classroom. "The students formed peer groups online as compensation for not having time in class to talk," he said.

The study also showed that students in the virtual classroom spent about 50 percent more time working with each other than traditional classroom students. It concluded that collaboration "manifests itself in better test scores" as students formed study groups to "pick up the slack of not having a real classroom."

For women who need to or want to further their education, distance education is an option worth looking into. It can bring them closer to meeting their personal and professional goals.

source : educationtips007.blogspot.com/2010/11/learning-for-women.html

Bangalore University

B.U. is one of the fastest growing university in the field of technology and development.
Bangalore University located in the Garden City of Bangalore aptly hailed as the “IT capital of India” was established in July 1964 as an offshoot of the University of Mysore, primarily to include institutions of Higher learning located in the metropolitan city of Bangalore and the districts of rural Bangalore, Kolar.
Bangalore University has published the B.Com 6th semester exam result and also for BA, MCA, BSC, BCOM, BBM Results.   B.U. provides faculties for Arts, Sciences, Commerce & Management, Education, Law and Engineering and 473 colleges are functioning under Bangalore University.
Get Online Bangalore University Results:Bangalore University Results

The Importance of Educational Professional Development

Professional development education is important for everyone, whether working or not. It is vital to all businesses and professional organizations to strengthen the knowledge and skills of their employees in such department. They must strive to improve the quality of work for improving personal and professional front. Educational professional development is necessary to improve the knowledge and skills with a certified training and occupation.The program promotes the professional development of individual career, plan, research, seminars and workshops, and working with professionals who have extensive experience. People have taken refresher courses in order to strengthen their knowledge in business, education and nurses and to promote institutional development center.


Education professional development courses are general or based. Common professional development focused on generic skills through the core staff education. Professional, on the other hand, refers to the profession, leadership and management skills and improve individual productivity. Courses aimed at developing the individual level of competence and professionalism. The success of this course opens up unlimited possibilities for growth.

Professional development courses are not just for people in business and management, but also important for professionals such as teachers, technicians, nurses and engineers. Some of these courses are officially recognized and the certificates of completion candidates. This recognition is an asset to training in institutes of excellence.

Professional Development provides training and helps beginners to choose a career, at the very beginning. The professional development institutes is aimed to to carry out a series of seminars and workshops to provide knowledge through mentoring and experienced entrepreneurs. There are specific workshops were conducted to provide professionals with detailed information on specific occupations. Programs for career development institutions are very useful in choosing the best career option.

Source : www.the-student-loans.co.cc/category/adult-education

Adult Education Adult Continuing Education Programs Option

If you need to take adult continuing education. There are several different places that you can do. Before you embark on one of these adult continuing education programs, you must first ask you why you should take further education and training of mentally for it. In addition, you also need to decide which option is best for you and your life. There are many reasons why you should consider taking action adult continuing education training programs. Some of the most common causes, because you’re trying to be promoted at your job, you are trying to get a promotion in your workplace, or want to learn new things and acquire new skills. Whatever the reason, most people need for adult continuing education program at some point in their lives.


So, when are you going to get the training you need? There are two different options to choose from, but the most common are:

1. You can find on the Internet, and training network, which can be taken.

It is becoming increasingly popular nowadays. Schools that offer continuing education to realize that this is the fact that more and more to do. They are now an option for you online. There are hundreds of adult continuing education classes classes and courses you can take in the comfort of your home. All you need do is look at them.

2. You can go to a college or university junior, which provides adults continuing education programs that you want to practice. You need to go talk to him to see what they can offer. There are people who can help her.

Some young people from colleges and even universities have to offer adult continuing education online. You should ask about this when you go talk to him. Some of these classes do not offer such a manner, but there are some who will.
Source : www.the-student-loans.co.cc/category/adult-education

Maximizing Prospect Communication with College Coaches

Effective communication between prospects and college coaches can be a critical component in the final choice in the college search. That being the case, prospects should try to cultivate this skill early on in an effort to demonstrate their willingness to be an equal partner in the coach-prospect relationship.
If your mission is clear, the manner in which you communicate becomes the vehicle that will move your college search plan forward in your chosen direction. On the other hand, ill-prepared communication can cause confusion and misdirection. Your ship moves, but with a weak rudder.

The manner in which you present yourself is a direct reflection of who you are and trust me…It will be picked up early on and regularly by college coaches and good recruiters. Realizing you have the ability and obligation to be proactive in this effort not only gives you the chance to register regularly and in good form on the radar of the college coaches, it gives you the opportunity to establish the tone and the direction of what can be a productive relationship.

Develop and maintain a regular awareness and understanding of NCAA contact rules. For example, July 1 was the first opportunity for most college coaches to initiate phone and off-campus face to face contact with rising senior prospects, but developing an understanding that you may call or e-mail a coach at any time, with rare exceptions is critical. The important point here is to practice “persistence with respect” when communicating with coaches. This will give you a better chance in grabbing their attention.

Many prospects get the jitters even thinking about speaking with college coaches and trust me…You’re not alone. College coaches are grounded, down to earth and caring men and women who want you to find the right college match. That aside, they can be brutally honest at times and deliver information you might not want to hear. “Honesty” is the mantra for a college coach and a good recruiter.

Remind yourself regularly that you “own the results of every action you execute in the recruiting process and practice communicating like you would practice anything else in your life that matters. You will never be perfectly prepared to meet and speak with coaches, but you want to always “lean” in a prepared direction. If you falter or stumble when communicating with coaches, simply find your way back to center. Coaches aren’t concerned about the hiccups; they want to see how you recover.

Remember, when college coaches evaluate, they use 3 simple factors to size up a prospect: Academic strength, athletic ability and depth of character. The character component is a grey area coaches like to navigate. They are gut thinkers and who you are on the inside will be easily revealed to college coaches by the manner in which you communicate.

If there is a proverbial “red flag” when it comes to communication, it would be prospects who reach out to coaches with no real agenda. Coaches are looking for information that will drive your chances in remaining in the “A” recruiting file. Whether it is news about improved scores on your ACT exam, or results from a select tournament, give the coaches something that has “grip” and you will improve your chances in boosting your ranking on the recruiting chart.

I use the term “striking a balance in communication” to help develop awareness in prospects and families that effective communication with college coaches is important for two reasons. First, by offering well thought out information that is pertinent to the college search, the prospect sends a clear message to college coaches that a he is well prepared. Secondly, coaches are keen about the importance of time management, and considering the hundreds of potential prospects they work with at any given time; coaches appreciate and remember the effort prospects make in using communication as an effective recruiting tool.

The college recruiting process is not a sprint, it’s a marathon. It should be an effort that is tactical, well planned and with the aim of cultivating sincere relationships with the college coaches. Prospects who embrace this tool as an important part of their recruiting arsenal will give themselves the greatest chance in becoming an integral part of the final decision.

Internationals can't work anymore in UK after studies!

Indian who go to the United Kingdom for higher studies will no longer be able to stay on to work after completing their education. This new regulation, announced earlier, comes into effect on Friday. The number of applications from India for university courses in the UK commencing in September 2012 have already dropped, and the move is likely to trigger a further fall.



Internationals can't work anymore in UK after studies!


The earlier regime permitted overseas students to apply for employment for at least two years on payment of a visa fee of £500.This is being discontinued to reduce foreign workers in a climate of high unemployment in Britain.

Entrepreneur graduates may still find work in UK

While overseas students can no longer work for two years in the UK after completing their education, the British home ministry said other avenues are still open.

A route under tier two - for skilled workers sponsored by a UK employer - was still available, the ministry said. It also cited that a "graduate entrepreneur scheme" for anyone with a "good business plan" was another avenue. "We want to encourage the brightest and the best," the spokesman said.

Under the tier one (post-study work) route, Indian and other non-EU students were able to take up work for two years in the UK after finishing university courses. This was fancied by self-funding Indian students as it enabled them to repay some of the loan they had taken to come to Britain. The experience also improved their job prospects in India.

Barriers have progressively been erected to block bogus students from entering the UK, and at the same time, dubious colleges have been barred from admitting foreign students. A spokesman for the British home ministry said, "The previous scheme was too generous. There were no restrictions and it was being exploited, with people engaging in low-skill work."

"We believe there is no incompatibility between economic growth and controlling migration. Our reformed, immigration system can achieve both," said immigration minister Damian Green.
Source : bizschoolprep.blogspot.com/2012/04/internationals-cant-work-anymore-in-uk.html

5 Tips That Will Help You Save For College

As tuition payments rise seemingly every single year, many students are finding it harder and harder to figure out how they are going to pay for college. If you are about to embark on furthering your education and you are worried about the huge expense that comes with getting a degree, here are some tips to help you save.

1. Budget - if you've heard of the "Ramen Noodle" diet, it's for a good reason. Most college students are on extremely tight budgets as most of their funds get spent on tuition, books, and other education necessities.
Budgeting is going to be a huge part of learning how to manage your money properly so you can spend your money in the right places. You may need to find other options to expensive salon haircuts, buying the top designer clothing, and other things that will no longer take priority during your college stay.

2. Dorm vs. Apartment - you might be surprised to know that renting an apartment may be far cheaper than signing up for a dorm. This will all depend on the area you go to college, and if you can find a roommate to split the expenses of an apartment.

3. FAFSA - Free Application for Federal Student Aid (FAFSA) is what you will need to fill out in order to apply for financial aid. Depending on your particular circumstances, you may be given grants or loans that will help you pay your tuition.

4. Scholarships - scholarships are not just for athletes. You can receive scholarships based on your academic achievements, financial needs, volunteering time, or even based on your race or gender. There are thousands and thousands of scholarships available, some even through your own high school and university. A quick search online will bring up a plethora of websites where you can apply for specific scholarships to help you cover your costs.

5. Extra Credits - the best way to cut your tuition bill is to graduate early. If you take a few extra classes each semester you will be able to accumulate enough credits to graduate a semester or even a year early. This will be made even easier if you take a few AP courses in high school which will also add credits to your total accumulations.
Source : romankp.blogspot.com/2012/05/5-tips-that-will-help-you-save-for.html

Business Schools in Singapore

The National University of Singapore (NUS) Business School and Nanyang Business School (NBS) are the top ranked business schools in Singapore.

NUS Business School is recognized as one of the leading centres of business education in the Asia-Pacific region. It offers one of the top ranked Master of Business Administration (MBA) programs in the world. The School has been accredited by the prestigious AACSB International and EQUIS, joining the ranks of world-class business schools such as London Business School and Judge Business School.


NUS Business School has achieved outstanding rankings for its Executive MBA programs, listed among the world's top 30 in the Financial Times global ranking of the Top 85 Executive MBA programs. The School did extremely well in two of the sub-categories: it was placed in the Top 5 for the categories of 'International Attendees' and 'Top Salaries in IT/ Telecommunications'. In 2008 the NUS MBA program was ranked 9th in Asia and 89th globally by the Economist Intelligence Unit 'Which MBA?' Rankings. It was one of the only two b-schools in Asia to have moved up in league table.

NUS MBA program can be studied via full-time or part-time. The full-time program typically takes 17 months to complete while the part-time program can be completed between 24 and 72 months. Students can opt for a general MBA degree or pursue a specialisation in Finance, Marketing, Strategy and Organisation, Real Estate, or Healthcare Management.

NBS at Nanyang Technological University is one of the only b-schools in Singapore and the third in Asia to achieve both the AACSB (Association to Advance Collegiate Schools of Business) and EQUIS (European Quality Improvement System) accreditations. The Bachelor of Accountancy is also recognized as a professional accounting qualification in the nation by the Institute of Certified Public Accountants of Singapore and the Accounting and Corporate Regulatory Authority. It is also accredited by the professional accountancy bodies in the UK and Australia such as the ACCA, CIMA, Institute of Chartered Accountants in England and Wales, CPA Australia, and the Institute of Chartered Accountants in Australia.

NBS offers one of the world best MBA programs. According to the Financial Times survey 2007, its MBA program is ranked top in Singapore and No. 2 in Asia. In a separate annual ranking by The Economist, NBS MBA is ranked 69th on the list of world's top 100 MBA programs. The School achieved strong ratings for education experience and opening of new career opportunities.
Source : romankp.blogspot.com/2012/05/ranked-business-schools-in-singapore.html

The 10 Poorest High Schools in the U.S

Anyone who has ever read any of Jonathan Kozol’s books, such as Death at an Early Age,Amazing Grace, Savage Inequalities, or Shame of the Nation, cannot help but be affected by the portrayal of the inhumane conditions under which students and teachers in some of the nation’s poorest schools are expected to learn. There are shootings in the streets outside, no heat or air conditioning, crumbling ceilings and walls, classes housed in closets and trailers, overcrowding, malnourished and homeless students, and every dehumanizing condition you would imagine in a Third World country — right here in the U.S. Yet every year, a few students from these schools manage to graduate and find their way to college. This can only be accomplished by the dedication of teachers who choose to work in terrible conditions, for little pay, and who often receive criticism or outright scorn for their efforts.


Mr. Kozol hasn’t written a book since 2007 — even the most dedicated activists and educators grow old — but there has been little change for the better in the poorest schools in this country since then. In fact, with the recent economic downturn, conditions are likely to have gotten worse in many of them. In keeping with the spirit of Kozol’s work to shed light on the plight of students and teachers laboring under terrible conditions, here is a look at the 10 poorest schools in the U.S.


The 10 Poorest High Schools in the U.S


East St. Louis, Illinois, Tomorrow’s Builders Charter School.

Half a century ago, East St. Louis was a prospering and growing community but in the decades since, the city has been in a slow and steady decline that has left it dangerous and desperate. Its schools haven’t been left unscathed during this process, and Tomorrow’s Builders Charter School is no exception. It was ranked as the worst performing public high school in the U.S. by Neighborhood Scout and with good reason: none of the school’s 181 students were proficient in math and just 3% were proficient in reading. Located in a deeply impoverished community, the school has few resources to improve and is battling against one of the highest violent crime rates in the U.S. and rampant gang activity. Today, four in 10 residents of East St. Louis live below the poverty line, two out of five children are born to a teenager, and just under half of the city’s children drop out of school before the age of 15. Amid this environment, it’s no mystery why schools like Tomorrow’s Builders suffer, and with little tax revenue coming in from the surrounding community, reform is a long, slow, and often frustrating process.


Albany, Georgia, Albany High School.

It shouldn’t come as a surprise that an Albany-area school would rank as one of the poorest in the nation, as the community itself is one of the most deeply impoverished both within the state and in the U.S. as a whole. The city has been hit hard by unemployment due to several large businesses choosing to relocate elsewhere, and the resulting 11% unemployment rate has contributed to 27.7% of residents living below the poverty line, the fifh highest poverty level in the U.S. Schools in the area have felt the pinch of this economic turmoil as well, and Albany High School has been hit especially hard, making the Georgia State Department of Education’s list of the worst-performing schools. Just this year, the school was awarded a School Improvement Grant through the U.S. Department of Education, and with this additional funding, hopefully students at Albany High will see improvements in the coming years.


Brownsville, Texas, Porter High School.

The Brownsville School District is one of the poorest in the nation, with 94% of students qualifying for free or reduced lunches district-wide. The city itself has the highest poverty level in the nation, with 36.3% of its residents living at or below the poverty line and a whopping 12.5% without a job. Because Brownsville is a border town, many Porter High School students are recent immigrants and 43% are still learning English. While the community might be poor and the schools may have extremely limited resources, test scores are holding steady in this community. In fact, the school district was recently awarded the $1 million dollar Broad Prize for Urban Education for making academic advances, a sum that will be divided up between the district’s seniors for college scholarships. Porter High is part of this surprising level of achievement, as its students did well on standardized tests, with proficiencies of 70% in math, 79% in reading, 77% in science, and 95% in social studies.


Chicago, Illinois, Paul Robeson High School.

Chicago’s South Side boasts some of the most dangerous neighborhoods in the United States, with gang violence claiming the lives of dozens of high school and middle school students each year. The city’s Robeson High School, located in the infamous Englewood neighborhood, ranks among the lowest performing schools in the U.S., according to data from Neighborhood Scout, with just 2% proficient in reading and 5% in math. It’s not the only school on the South Side to make the list, with Harper High School and Englewood Technical Prep also bringing in pitifully low scores. Robeson’s poor performance and budgetary issues may be due to where the school is located, as Englewood is one of the poorest Chicago neighborhoods. According to City-Data.com 43% of Englewood residents live below the poverty line and the median income is just $22,131. Making things even harder on this already struggling school? About 31% of the school’s students are coming from single-parent homes and the neighborhood led the city in homicides last year, with a large number of both the perpetrators and the victims being high school students.


Reading, Pennsylvania, Reading Senior High School:

Reading has made headlines recently, but not in any way the struggling city would like to do so. Recent Census Bureau data revealed it as the poorest city in America, with the largest share of residents living in poverty for a city of its size, a figure that stands at a staggering 41.3%. In decline for the past decade, the city slipped into despair with the departure of the major industries that had helped to sustain it, and the education system is reflecting these struggles. At Reading Senior High School, almost 89% of students qualify for free or reduced lunches, up from just 44% in 2003. The economic woes of the community haven’t helped test scores, either, with only 27% of students performing at a proficient level in math and 43% in reading. Frustration with the school system may be part of the reason this school has such high drop-out rates, with a distressing 50% of students leaving school before getting their diplomas.

The 10 Poorest High Schools in the U.S


Beecher, Michigan, Beecher High School:

If you’ve ever seen Michael Moore’s film Roger & Me, you have a pretty good idea of the havoc unemployment and poverty have wrecked on the once-prosperous industrial city of Flint. Beecher, a small township on the edges of the city, has been hit even harder, which may be hard to do as the poverty rate in Flint is currently at 21% withunemployment at 18.1% as of January 2012, according to the Bureau of Labor Statistics. Beecher, by comparison, has a staggering 45% of its residents living in poverty. The overall economic sluggishness of Flint and the surrounding areas has made it hard for schools to bring in much revenue, and many, like Beecher High School, are struggling. The school was recently ranked among the worst performing schools in the state, a fact that may be largely related to money: 82% of the school district’s studentslive below the poverty line.


Detroit, Michigan, Central High School:

Detroit has been a city in turmoil for decades, struggling with high unemployment (currently just over 11%) and rampant crime. Schools have been deeply affected as well, and in 2008, Detroit was reported as having the worst high school graduation rate of any city, just under 25%. Central High School has been one of the most strongly affected by the general economic decline of Detroit, with more than 74% of students living below the poverty line. Over the past decade, Central has produced some of the worst test scores anywhere in the city, though Ford, Denby, Mumford, and Pershing high schools aren’t far behind. Just this year, the city announced plans to place these schools under the Educational Achievement Authority, which would regulate instruction, lengthen the school year, and work to improve teacher development. This infusion of cash and resources may be just what this impoverished school needs to get back on track.


Batesland, South Dakota, Shannon County Virtual High School:

According to census data, Batesland is located in the second poorest county in the nation, with most of its residents living on nearby reservations that have extraordinarily high rates of poverty. How high? 45.8% of families and 39.2% of the population as a whole live below the poverty line, including 39.4% of children and 100% of seniors. The community has no traditional high school, instead opting for a virtual school, which has much less overhead and does not require students to travel to attend classes. Unfortunately, the poor quality of schools (perhaps giving students little hope of getting ahead) and the general poverty of the community has taken a toll on students, and during the 2009-2010 school year nine students committed suicide, promoting the USDE to give an emergency grant of $50,000 to the country to help improve conditions.


New Orleans, LA, The Alternative Learning Institute:

While the economy of New Orleans is finally starting to pick up after the devastation of Hurricane Katrina, many communities within the city are still struggling to get by, facing high crime rates, poverty, and unemployment. These factors all trickle down into the local school system and in 2011 a whopping 91 of the 103 public schools in the city were in the failing category according to No Child Left Behind standards, making it the lowest performing school district in the state. These poor scores are undoubtedly related to the economic despair of the community at large, with more than 40% of kids in New Orleans living under the poverty line, lacking basic school supplies, educational resources, and even food at home. The Alternative Learning Institute serves some of the poorest communities in New Orleans, with 95.7% of its students living close to or below the poverty line. With few resources and beleaguered by larger community issues, test scores in the school are about as low as they could be, with only 4% of students being proficient in math and reading.


Baltimore, MD, Frederick Douglass High:

Many schools in Baltimore, particularly those in the most poverty-stricken areas, are feeling the pain of statewide budget issues. Recent changes in a school-improvement grants program that allows funds to go to any school in the state rather than straight to those that are neediest have made things even worse. At Frederick Douglass High, 80.7% of students receive free or reduced-cost lunches and citywide more than 83% of schools have half their students or more qualifying for these benefits. That’s a pretty high rate of poverty, and as you might imagine it has a direct impact on the quality and performance of schools in the city, including Frederick Douglass, one of the lowest performing schools in the state. The school was the subject of a recent documentarycalled Hard Times at Douglass High: A No Child Left Behind Report Card, which documented the academic and financial struggles of the school.


Only the efforts of outstanding teachers and administrators are able to keep these schools functioning at all. Legislation such as No Child Left Behind, the educational reforms proposed by a recent Council on Foreign Relations taskforce headed by Joel Klein and Condoleezza Rice, and even President Obama’s threat to penalize schools with high drop-out rates in his 2012 State of the Union Address, only serve to further weaken these schools by punishing them for "failing" to teach their students. How can even the best teachers reach all of the students who live under the circumstances described here?

In areas where the tax revenue funding system has failed because of urban flight and de-industrialization, or exorbitant tax breaks given to corporations in these impoverished areas, societal and governmental responsibility for providing the support and funding for these schools is needed to help the schools and their neighborhoods crawl out of poverty. The argument that hard work will allow any individual to escape the circumstances of their birth is a myth; you can only pull yourself up by your bootstraps if you have boots to begin with.
Contacts and sources:
Kaitlyn Cole
http://www.onlineuniversities.com/blog/2012/05/the-10-poorest-high-schools-in-the-u-s/

Study Abroad in USA High School, Universities List 2013 Scholarship

Study Abroad in USA High School, Universities List 2013 Scholarship - Today at the time of Globalization General Study is not so helpful to get succeed. There is a need of higher education to be expertise in a professional field. So American Universities or institute is one of best example to fulfill the demand of higher education

All the colleges of USA are still the parts of Traditional Education. So after completing their study students may achieve their goals and become eligible for international services. Regarding the study in USA we are providing you the relevant information about the courses, best Universities and Scholarship programs.


Top Universities/Colleges in USA 2013:
·         Harvard University
·         Stanford University
·         University ofChicago
·         PrincetonUniversity
·         CaliforniaInstitute of Technology
·         Duke University
·         Cornell University
Best Courses in various disciplines
·         Architecture                                Architectural Design BFA
·         Art                                    Bachelor in Art, Photography  BFA
·         Business & Management             BBA
·         Accounting/Finance                     Accounting
·         Economics                                  Economics BA
·         Design/Fashion                           Design & management in BBA, Design &
                                                        Technology in BFA
·         Graphic Design                           Bachelor in computer Graphics & Digital Arts
·         Interior Design                            Bachelor of Fine Arts in Interior Design




Scholarship in USA: Scholarships are offered by the American Government and many other organizations to promote and encourage the students for  study as well as for financial support. Some Scholarships in USA for Indian students is given below:
·         Fulbright Fellowships for Indian Citizens
·         Ambassadorial Scholarships by the Rotary Foundation
·         Learn Hub Dream Study Abroad Scholarship
Essentials issues required for study in USA
1.    Application Forms
2.    Financial Support
3.    Eligibility Criteria
4.    Application Requirements
5.    Academic Records
6.    Standardized Tests
7.    Work Experience Details
8.    Letters of Recommendation
9.    Statement of Purpose (SOP)
10.Interviews (If applicable) 
Source : privatejobshub.blogspot.com

U.S. Public High Schools Welcome International Students

Many public high schools throughout the USA have welcomed international students on the J-1 High School Exchange Program sponsored by the US Department of State for the purpose of introducing students to American culture and allowing them to share their culture with the schools and host families they spend the year with.
Over the past several years, a growing number of public high schools have started welcoming international students of the F-1 student visa program. There are some similarities between attending a public high school on the J-1 and F-1 visas, but there are also many differences. Depending on the student's purpose and goals, one program may be more suitable than the other.


Here are the main similiarities:

1. Participation is limited to one school year
2. Students can join school clubs and sports
3. Students live with local homestay families


Here are the main differences:

1. Students on the J-1 program must return to their home country at the end of the school year and are usually excluded from returning to the USA on any kind of student visa for at least 2 years. Conversely, students with F-1 visas may continue their education for additional years at a private high school or begin their university education without having to change their visa status or return to their country.
2. Students on the J-1 program can only apply through a specially-licensed U.S. organization that can only place a limited number of students each year. Because of the limited number of students that can apply, getting accepted to this program is a very competitive process that must be started almost one year in advance.
3. Fees for the J-1 program are low compared to the F-1 program. The reason for this is that the J-1 program is sponsored by the US government - students do not pay for school tuition fees and they live with volunteer homestay families. The main costs are airfare and placement and monitoring fees that students will pay to the J-1 placement organization. F-1 programs are not sponsored by the US government so students must pay school tuition and room and boarding fees with their own family funds.
4. Students on the J-1 program usually do not have a choice on which location or school they will attend. Students on the F-1 program, however, can choose which state, city and school they would like to attend depending on their qualifications and space availability.
5. The J-1 program application process is long and complicated and the rules are very strict. F-1 visa programs, on the other hand, require a much simpler application and fewer supporting documents. This allows students to begin the application process earlier, and get accepted to the school of their choice much sooner.
6. Students on the F-1 visa program may be able to graduate and receive a diploma from the high school they attend (if they are accepted to Grade 12 and have enough credits to graduate within one school year). Students on the J-1 visa cannot graduate or receive a high school diploma, regardless of the number of credits they have earned.
7. Students with an F-1 visa may continue their education for additional years to complete their high school and university education.

For details about the visa regulations for F-1 students who wish to spend a year in an American public high school, click on this link from the U.S. Department of State website: http://travel.state.gov/visa/temp/types/types_1269.html

American Education Partners (AEP) helps students applying for the F-1 visa to select and get accepted to public high schools throughout the USA. Other AEP services include airport pick-up, housing placement and student service support. For advice and assistance in applying to a public high school for the F-1 visa program for Fall 2011, contact AEP's School Placement Team at: info@americanedpartners.com  
Source:americanedpartners.blogspot.com

More Math, Science and College For U.S. Students Than Ever Before

Earlier this week I posted a piece on the Brookings report that schools are no worse today than in the past, contrary to the hysteria whipped by Ed Deformers and pundits that school’s today are in crisis. Their analysis of PISA test scores indicated that while U.S. math and science scores have been improving slightly, they never were (and still aren’t) very strong compared with other wealthy countries.
However, in many ways, K-12 education has been making dramatic gains. Students today are taking more math and science courses than a generation ago, while more are going straight to college after graduation. Between 1990 and 2009, the percentage of high school students taking chemistry jumped from 49% to
70%, and the percentage taking physics rose from 21% to 36%, according to The Condition of Education 2012, a new report reviewed on the Good Education website. There were similar gains in math, with 16% of students taking calculus in 2009, compared with 7% in 1990, and 11% taking statistics, compared with 1% in 1990.
The number of students entering college right after high school jumped from 49% in 1979, to 70% in 2009. While gains were seen for most ethnic groups and were largest for African Americans (66% in 2010, compared with 43% in 1975), there are still significant disparities in total college enrollment. A higher percentage of white students (70%) and a much higher percentage of Asian students (88%) are going to college right out of high school than black students (66%), while the rate for Hispanic students has remained flat over the past several decades. The most glaring disparities, however, were among different income groups, with only 52% of low-income students attending college right out of high school, compared with 82% of students from high-income families.
source : modeducation.blogspot.com