Online Degree

All necessary clinical experience is coordinated with a local hospital or facility affiliated with the school.
Besides the convenience and flexibility, another major advantage of distance learning is to have access to and be able to interact with instructors and advisors by e-mail, message boards, live chat rooms virtual classrooms, and phone calls. These technologies provide students with online support unlimited and unparalleled teachers and school counselors.
Most nursing students will also have an online school counselor who will work with them online on a one on one basis. As opposed to traditional classroom learning, the curriculum of the student can be customized and planned according to the specific needs of the student and objectives. Online students will be assisted in the application process, scholarships, study plans, and even career planning.
Besides the fact that an online degree is more affordable than going to a traditional school, everything you need to complete most of your course is just at your fingertips, a computer and an Internet connection. Most online universities provide an overview of additional requirements such as books and laboratory equipment. Normally, your program online will cost 30-50% less than a traditional curriculum. Of course, the cost can vary from one school to another with most prestigious schools charge less known. However, going to a well-known school is much safer and reliable. You always want to get your degree from a reputable school wear over your name.
Different schools offer different specializations and advanced degrees, but most online schools offer RN, MSN, and training programs for nurse practitioners. Some masters of nursing programs offered online offer a specialization in science education or combine management or administration of health care. Depending on what you want in the end, you can choose a school that offers the program you want to take. Make sure the school is accredited and certified online by a nationally recognized nursing license and official.

in school for at least half-time, payments on the federal loans will be deferred. For Stafford loans there are also deferments available when a borrower is unemployed, in a rehabilitation training program, in a graduate fellowship, in the military service or following active duty, temporarily totally disabled or caring for a disabled spouse or dependent. Deferments are also available for economic hardship.

Economic hardship deferment applications must be in writing and can be issued in one year increments for a maximum of three years. To qualify for an economic  hardship deferment a borrower must show that they are receiving federal or state public assistance, are a Peace Corps volunteer, have an economic hardship deferment on another loan or is working full time but still at 150% of poverty. An unemployed borrower seeking a deferment must be registered with an employment agency and must show proof of eligibility for unemployment benefits. To obtain an economic hardship deferment on a Parent PLUS loan, all cosigners to the loan have to be unemployed.

In addition to deferments, borrowers can verbally request a discretionary forbearance for causes such as poor health or other personal problems. While a forbearance may be needed for a short term crisis it's important to remember that when a forbearance ends, all interest is capitalized, creating a long term significant increase in the amount of the student loan debt.

The government and banks point fingers at each other when it comes to this issue.  The government blames the banks for not wanting to reduce the interest rates on such loans, which are often carried by people who don't have collateral.  The banks blame the Federal government for regulating the interest rates on those loans. 

Of course, both sides don't want to give up the handsome profits they're making.  They also realize that most student debtors are a captive market:  Unlike, for example, credit card holders who can shift their balances from, say, Capital One to Barclays, those who are struggling to pay education loans don't have the option of moving their debts and balances to another credit provider.

Plus, the loans are one of the few areas in which the Government actually makes a tidy profit.  According to the Center for American Progress, these loans are expect to give Uncle Sam over $34 billion in profits this year by financing $864 billion of the $1trillion in outstanding student loans. In the current budget environment, nobody wants to ask the government to cut off such a cash cow.

Most of those loans are saddled with interest rates of 6 percent or more.  According to the CAP, simply applying a rate of 5 percent to all student loans that currently have interest rates higher than that will save borrowers around $14 billion. 

Then maybe, just maybe, they could take advantage of those lower interest rates on home and other kinds of loans. And they might start to buy the homes, cars and other things their parents were able to buy without having gone to college and endebting themselves for the privilege.

entire set of applications before deciding on who it would like to invite for first-round interviews.  Depending on the position, the applications can run well into three digits.

Just scheduling committee meetings is a major endeavor.  Faculty have different teaching schedules from each other, and staff members’ calendars are different still.  Each committee has to be “charged,” to get its affirmative action training, and to have its “what are we looking for?” conversations.  Then it decides who to invite for first round interviews and has to arrange the internal logistics for 8-10 of those.  Finally, it has to decide on 3-4 finalists to send forward. 

It’s a lot of work.  We have a rule that anyone on a search committee is excused from all other college service for that semester, in recognition of the time it takes.  (College service refers to other sorts of committees, but not to teaching.)  Even with that, some people find the task too onerous.

But there’s no appetite for streamlining, either. 

It wouldn’t be all that hard to streamline.  Let HR decide who to invite for first-round interviews, and bring the committee into play for the first time at that point.  Done and done.

Culturally, though, that’s just not an option.  The committees don’t want to give up control, and control requires work.  The process can be participatory, or it can be low-impact, but it can’t be both.  Participation takes time.

In a context in which most people are teaching four or five classes per semester, that’s not just carping.  Time is at a premium.  That’s even more true as the semester progresses, and just fitting in all the interviews before the deadline becomes a challenge.  And course releases for search committee members are neither economically sustainable -- you’d be surprised how quickly the cost adds up -- nor practical, given that hires tend to come in areas where we’re short-staffed already.  When a department is already running thin, adding several course releases makes it even thinner.

Wise and worldly readers, has your college or company found a relatively practical and sustainable way to balance participation and efficiency in hiring?

loan. For example, switching a Federal Unsubsidized Stafford loan from a 10-year term to a 20-year term will cut the monthly payments by about a third, but it will also increase the total interest paid over the life of the loan by a factor of 2.2. That’s more than double the total interest. A longer repayment term will reduce the monthly payments, but do you really want to still be repaying your own student loans when your children enroll in college?

Find loans, banking benefits and student deals with Simple Tuition.

If you borrow more than twice your expected starting salary, you will be at high risk of defaulting on your debt. You can’t get away from this debt, as the federal government has very strong powers to compel repayment. The federal government can garnish up to 15% of your wages and intercept your income tax refunds without a court order. They can even garnish Social Security benefits. A student loan default on your credit history will make it more difficult to get credit cards, auto loans, home mortgages. It can even affect your ability to get a job or rent an apartment. Student loans are almost impossible to discharge in bankruptcy. A successful discharge requires demonstrating undue hardship in an adversary proceeding, a very harsh standard. Of roughly 72,000 borrowers in bankruptcy in 2008, only 29 had all or part of their federal student loans discharged. That’s 0.04%. You are more likely to get cancer or die in a car crash than to have your student loans discharged in bankruptcy.

Education debt can also have a big impact on your lifestyle after graduation. Students who graduate with no debt are almost twice as likely to go on to graduate and professional school as students who graduate with some debt. Student loans also affect career choices. An extra $10,000 in debt corresponds to a 5% to 6% decrease in the likelihood of a college graduate pursuing a public service career. Students who graduate with excessive debt or who default on their loans are more likely to be depressed. They often delay getting married, having children, buying a car and buying a home. Borrowing excessively can be like having a mortgage without owning a home. The debt may make it more difficult to save for retirement or your own children’s college educations. Live like a student while you are in school so you don’t have to live like a student after you graduate.

So how do you minimize your student loan debt?

Here are several tips on ways to reduce the need to borrow for college costs and cut the cost of borrowing.

Save before enrolling in college.

It is literally cheaper to save than to borrow. Every dollar saved is a dollar less you will have to borrow. If you save $200 a month at 6.8% interest for 10 years, you will accumulate about $34,433. If instead of saving this money, you were to borrow it at 6.8% interest, you will pay $396 a month for 10 years, almost twice as much. The difference is that when you save, you earn the interest, while when you borrow, you pay the interest.

Search for scholarships on free scholarship-matching sites like Fastweb.

Every dollar you win in scholarships is about a dollar less you have to borrow. You can win scholarships even after you’ve already enrolled in college, not just in high school and the earlier grades. Ask each college about its outside scholarship policy. Most colleges will reduce the need-based aid package by the amount of the private scholarships you win. But some colleges will reduce the loans first, letting you save money by substituting scholarships for debt.