Tax Benefits for Students

Some examples of tax benefits available for the 2006 tax year –

Hope Scholarship – This is actually a tax credit, not a scholarship. The credit is subtracted from the amount of tax you actually owe, not your income. You cannot get a refund of this credit, it can only be deducted from the amount you owe. The amount of the credit depends on several factors such as income, cost of tuition and fees, and the amount of certain scholarships received. To receive this credit you need a form 1098-T from the school which is used to fill out IRS form 8863. Your 1098-T form should include contact information for someone at your school who can help you with questions or filling out the form. You can only claim this credit for two years of schooling.

Lifetime Learning Tax Credit – This is also a credit, deducted from the amount of taxes you owe as opposed to a refund. The credit is run pretty much the same as the Hope Scholarship, it uses the same 1098-T and IRS form 8863. The only difference is it is not limited to 2 years.

The Tuition and Fees Tax Deduction – This is an income deduction that you can use even if you do not itemize. You may deduct up to $4000.00 of tuition and fees, no other expenses are eligible. These must be fees you actually paid, no tuition or fees paid by tax-free scholarships, grants or any other assistance are eligible. There was a last minute extension by congress to allow this deduction this year so it is not properly printed on the tax forms. People claiming this deduction are encouraged to e-file because it has been added to the IRS software, otherwise you must follow special instructions to make sure the form is filled out properly. You will need a form 1098-T from your school and a 1040 tax form.

Interest deduction – You can deduct up to $2500.00 of interest paid on student loans, provided it is not deducted somewhere else on your return.

Remember these benefits and amounts change year to year so make sure you have current information when filing your taxes!

Federal Education Services is a company that specializes in federal student loan consolidation, Stafford loan origination, PLUS and Graduate PLUS loan origination and as a resource for students with questions regarding educational financing. For any questions regarding this article please contact Federal Education Services. A friendly loan specialist can be reached at (877) 222-4727 or you can find us on the web at http://www.feded.net

What Are The Pros And Cons To Student Loan Consolidation?

1. Your Grace Period

When you graduate you are given a 6 month grace period before you have to start making your loan payments. When you consolidate your loans, you must waive any remaining grace period. This sounds like a bad thing but remember this is not a “free period.” Your loans will continue to gather interest on the unsubsidized portions whether you are making the payments or not. So while it’s true that you are not required to make any payments for that six month period many students choose to in order to keep their balances from growing.

You may also begin the consolidation process and opt to retain your grace period. Your application is processed and ready for funding but is not actually funded until shortly before your grace period ends. This is a good way to keep your grace period without having to worry about forgetting to apply or not applying in time.

2. Lower Monthly Payments

All federal Stafford, PLUS and Graduate PLUS loans are issued with a 10 year term. This results in a high monthly payment. When you consolidate your student loans, you can increase the term of your loan up to 30 years, greatly reducing your monthly payments.

There are good and bad aspects to increasing your loan term, but they are completely under your control. Increasing the loan term means you will pay more in interest in the long term IF you make the minimum payment for the life of the loan. However, since there are no prepayment penalties you can pay your student loan off at any time. The lower payments of a consolidation can be a great help in the first couple of years after graduation until your salary catches up with your education. Once you have reached your full earning potential you can start making larger payments which will reduce the term of your loan and keep your interest costs down.

3. Graduation

At this time federal law does not allow in school consolidations. This shouldn’t have much impact on students since you are not required to make loan payments while you are still enrolled in school. It can be helpful to have a consolidation lender in mind and your application process started before graduation though to give you one less thing to worry about in the hectic months after leaving school.

4. Loan Forgiveness

Depending on what area your degree is in, you may be eligible for loan forgiveness. Laws and programs vary by state so you will have to check your state’s particular rules, but in general students who work in areas that serve the public, especially in low income areas, are generally eligible for loan forgiveness. Consolidation does not affect your ability to qualify for loan forgiveness with Stafford loans. Perkins loans on the other hand can not be forgiven if they are consolidated. Be sure to discuss this with your consolidation representative when considering student loan consolidation.

5. Number of Separate Lenders

You may find yourself with several different creditors upon graduation. Consolidating them all into one loan has a few benefits. First, you only have to make one payment a month, making your loan easier to manage. Second, having fewer lenders will help your credit score.

5. Payment Plans

Generally your loans have a set payment plan that was established when you took them out and it is usually just a flat payment for the life of the loan. Consolidation offers several different repayment options including graduated payments, extended payments and income sensitive payments. Having choices makes it easier to make your scheduled on time payments.

6. Deferral and Forbearance

All federal loans have the benefit of 3 years of deferral and 3 years of forbearance; this does not change when they are consolidated. In fact, if you have used any of your deferral or forbearance it is renewed to 3 years each upon consolidation.

7. Repayment Incentives

There are a lot of lenders out there who offer many different repayment incentives. Be sure that you weigh out all the options before you decide which company you are going to use. Make sure that you are getting the most savings on your consolidation. Buyer beware: lenders offering a cash back incentive generally give you smaller savings in the long run. Make sure that you weigh out all available plans before you decide which company you are going to be using.

8. Interest Rates

Many student loans are still on a variable rate and it has been steadily increasing over the last couple of years. The only way to fix the interest rate on these loans is to consolidate them. Since the interest rates have been climbing over the last few years it is best to consolidate before the rates increase again on July 1. When consolidating the interest rate is determined by a federally regulated weighted average of your loans current interest rates. One thing to be aware of is if one of your loans has a significantly higher rate it could throw off your other loans. Make sure your loan advisor goes over your interest rates with you to determine the best way to consolidate.

A consolidation is easy and free for you. It requires no credit check or even employment. There are few drawbacks to a consolidation and they can all be managed or avoided by working with a reliable, trustworthy loan advisor. Is it right for you? The best way to find out is to speak with a knowledgeable loan advisor who can go over your individual loans with you and help you determine your best course of action.

Federal Education Services is a company that specializes in federal student loan consolidation, Stafford loan origination, PLUS and Graduate PLUS loan origination and as a resource for students with questions regarding educational financing. For any questions regarding this article please contact Federal Education Services. A friendly loan specialist can be reached at (877) 222-4727 or you can find us on the web at http://www.feded.net

Federal Student Loan Consolidation

Some colleges estimate that as many as 90% of their students have received some form of financial aid. Graduation comes and you have to start thinking about paying these loans back. What is the best way to manage your loan payments? For many students it’s a federal loan consolidation.

There are many benefits to a student loan consolidation.
• Reduces your monthly payment up to 60%

• Locks in your interest rates- protecting you from future increases.

• Simplifies your finances by having to make only one payment each month.

• Improves your credit rating.

• Provides flexible payment options.

• No prepayment penalties

In addition competing consolidation lenders offer repayment incentives which will save you money.

Who is eligible for student loan consolidation?

There are very few requirements to qualify for federal student loan consolidation. The following requirements are the basis for eligibility:

• You must have more than $10,000 in outstanding federal student loans.

• You must be finished with school or taking less than 6 credit hours and attending classes.

• You can not consolidate any defaulted federal student loans until they have been repaired.

In addition, consolidation loans are easy to get.
• You do not need to be employed.

• You do not need to have any form of collateral.

• You do not need a cosigner.

• You do not need to have good credit.

Even Parent PLUS loans can be consolidated! You can combine the loans for all of your children into one easy payment.

Speak to a knowledgeable loan counselor today and find out if consolidation is right for you.

Federal Education Services is a company that specializes in federal student loan consolidation, Stafford loan origination, PLUS and Graduate PLUS loan origination and as a resource for students with questions regarding educational financing. For any questions regarding this article please contact Federal Education Services. A friendly loan specialist can be reached at (877) 222-4727 or you can find us on the web at http://www.feded.net.

College and the Autistic Student

Autism, a neurological-based developmental disability, affects an estimated one in 166 people, according to a 2004 study by the Centers for Disease Control Prevention. Both children and adults with Autism typically show difficulties in verbal and nonverbal communication, social interactions and leisure or play activities, according to the Autism Society of America. Autism affects individuals differently and to varying degrees.

Experts agree on the following advice upon detection of Autism:

1. Seek immediate treatment for your child.

2. If possible, find someone to work with the child at least 20 hours a week, i.e. a therapist, teacher, parent, grandparent or someone from your church or group. Look for progress after one month.

3. Do not allow the child to sit and watch TV all day. Get them engaged and play as many games as possible that require taking turns.

4. New parents learning they have an autistic child must recognize immediately that they cannot do it all by themselves. They should immediately contact Autism societies or chapters to find resources, join support groups and talk with other families about their experiences.

5. Help the child to develop their areas of strength, particularly among high-functioning students with Asperger’s Syndrome (a neurobiological condition characterized by normal intelligence and language development with deficiencies in social and communication skills), and get them job experiences during high school.

Marshall University in Huntington, West Virginia is one of the few colleges in the US that has a special program in their Autism Training Center, which works with Autism spectrum disorders like Aspergers. Although many colleges have counselors and staff familiar with Autism, only Marshall has a program tailored specifically for autistic students. The program serves three of the university’s 16,360 students and may eventually accommodate 10; it will remain small by choice.

“The goal is not for all students with Autism to attend Marshall, but for the program to become a model for other colleges,” says Barbara Becker-Cottrill, the Center’s director. “The true goal is for students to have the ability to attend the university of their choice. Our work will be working with other universities on how to establish a program such as this on their own campuses.”

Kim Ramsey, the Marshall program’s director, had this to say, “The problem is, social and daily living issues are interfering.”

This is not to be confused with a special education program. Like all students, they must meet and maintain the university’s academic standards. The Center offers tutoring, counseling, a quiet space to take exams, and help in the navigation of the bureaucracy and social world of college, i.e. how to schedule classes, join clubs, buy books and replace ATM cards that don’t work.

In a recent issue of the bimonthly, Asperger’s Digest, Lars Perner, an assistant professor of marketing at San Diego State University who has Asperger’s Syndrome, said, “How many college students have forms of Autism is impossible to determine as many go undiagnosed or are simply perceived as a little bit strange. The exact cause is unknown, although both genetics and environmental factors are suspected of playing a role. Some of these students might be able to get into college because of fairly strong academic credentials and a reasonable academic showing. That may not mean they will be able to stay in college.” Perner is also the author of a college selection guide.

Sadly, most autistic students either drop out or don’t even apply to college because they have difficulty with such tasks as doing all the paperwork, time management, taking notes and sitting for exams. Stephen Shore, who is finishing his doctoral degree in special education at Boston University and has been diagnosed with atypical development with strong autistic tendencies, said, “More programs like Marshall’s were needed. I think they would do much better and there would be a much higher rate of success if this type of program were available elsewhere.” However, as researchers learn more about Autism and public school services for Autism improve, more autistic students will graduate from high school and be academically, socially and emotionally prepared for college.

College Selection - Your Number One Priority

The following must be considered, but only after the family has visited the campus and is convinced their student will be able to “survive” at that school:

1. Accommodations: If proper accommodations are not made available to the student, then it would be futile to attend that particular college.

2. Curriculum: Ideally, there will be enough areas of interest for the student.

3. Setting: Urban or rural, close to home or far away, and a large or small student body are all issues that must be factored in.

4. Cost: Last but not least; like the 5th C when searching for that perfect diamond – is the cost. Paying for college is actually the easy part, because no matter what, you can borrow the money! And never lose sight of the fact that all the financial aid in the world is useless without that coveted admission ticket!

Some other criteria that should be particularly important for autistic students include:

1. A highly structured academic program
2. A second-to-none disabilities services program (or its equivalent)
3. A willingness to be flexible
4. Support for individual needs and a centralized counseling center

Experience with Autism is helpful, but the most important characteristics of the disabilities services program and counseling center are the commitment to providing individualized support and a willingness to learn about each student’s disability and needs. Because of the learning differences of students with high functioning Autism/Asperger’s Syndrome, they often benefit from tutoring, organizational and personal support services.

Sometimes, a smaller school is easier for students who learn better in a smaller and quieter environment. For students who will find the degree of independence and organization required for living at college to be intimidating, it can be helpful to live at home for the first year or two of college, and gradually make the transition to more independent living. Some colleges offer cooperative education programs, in which students alternate between taking academic courses and working in related jobs. Such programs have the ability to help students explore potential careers and develop essential work skills.

Academic Assistance and Accommodations

In college, students are given the responsibility of advocating for themselves. They can receive support from the disabilities services program or not, but they will have to be able to make many decisions for themselves.

In many colleges, the disabilities services program will write a letter to relevant professors indicating that a student has a disability and may need special accommodations. This letter might be the student’s responsibility to give to the professor, or it might be sent out to each professor. In either case, it is then likely to be the student’s responsibility to follow up with the professor and request specific help.

Many students will need coaching and support in order to do this. Some counselors may be willing and able to help, others will not. In many instances, it will be necessary and helpful to have a tutor. The disabilities service center will usually be able to assist with the required services.

Academic accommodations have been helpful as well as necessary for some students with Asperger’s High Functioning Autism because they need a little longer to process information and organize responses. This can mean that they will take a little longer in responding to questions in class and should receive the required extra time on quizzes, tests and exams. Due to difficulties in processing and screening sensory information, a distraction-free environment may be important for ongoing studying and for taking exams.

Seating is often important in lecture halls. Sitting at or close to the front and sometimes in the center of the row, can make it easier to hear and understand. Some students find it easier to sit near the front but in an aisle seat, so that they have a bit more room to spread out and are less likely to be bumped.

Seating is sometimes on a first-come, first served basis daily, or for the entire semester. If this is the case, students should get to their first class early, or try to make preparations in advance. Some professors prefer assigned seating for the entire semester. In that case, students may need to talk to the professor in order to arrange for their special seating needs.

Some professors include class participation as a component of the grade and require recitals in front of the class and/or working together as part of a group. Such class requirements can be challenging for students with difficulties in oral communication or working together with others. In anticipation of this, students should be advised to talk to the professor about their disability early in the semester in order to attain special accommodations, if necessary, and the support and understanding of the professor which is always necessary.

Getting Organized

Most students with Autism spectrum disorders need clear, systematic organizational strategies for academic work and most likely for all other aspects of daily living. Calendars, checklists and other visual strategies for organizing activities should be developed with the student.

Course Selection

Many students with Asperger’s/High Functioning Autism will excel in courses that draw on factual memory and/or visual perceptual skills. An intuitive counselor or advisor can help guide the student to a curriculum that will capitalize on his or her strengths and interests.

The most difficult and challenging courses are those that require abstract verbal reasoning, flexible problem solving, extensive writing, or social reasoning. Such courses may be valuable to take, but could require extra time and support.

In her book, Pretending to be Normal, Liane Willey, an adult with Asperger’s Syndrome, recommends taking courses in communication and psychology in order to improve social understanding and skills. “It is often wise,” she advises, “to audit a course if it would take a long time to master the material.”

A somewhat relaxed class load is often the best course of action, especially during the freshman year when everything is new. For some students, a reduced course load can help keep the stress levels more manageable.

A related issue is that many students with Autism need extra time for thinking about problems and for completing work. This means they will need more time than most students for reading and doing assignments. This should be taken into account in planning a student’s course load so they will not be overwhelmed, which could have adverse consequences.

Social Groups and Activities

For some students, living on their own may be overwhelming as they often need more support than most freshmen for making social connections. All campuses have organized social groups and activities. Most students with high functioning Autism/Asperger’s will enjoy participating in some of these, but will need guidance with finding the right groups and introductions.

Always consider the student’s strengths and interests when looking for groups and activities. It might be beneficial to have someone, perhaps an older student, a mentor or advisor point out groups that would be of interest and help with the initial steps of becoming a participant. It may also be possible to mobilize other resources through Student Services, residence advisors and service organizations on campus.

Dorm Life

For many students with high functioning Autism, it is preferable to have a single room. This will provide a sanctuary where they can control their environment, focus on their work and daily activities without distraction, and not be forced to engage in social interaction all the time. Having a roommate can be highly stressful, and most experts agree that to be without one initially is the best choice. However, it is strongly recommended to have a mentor nearby.

When the student is in agreement, it can be helpful to inform the residence staff of their disability and the areas in which support may be needed. It is best if the student can discuss their disability with peers. It can also be helpful to meet with other students in adjacent rooms to discuss why their behavior may appear to be odd at times.

The Daily 9-5

It will prove most helpful to identify the likely pitfalls and provide the student with written guidelines and checklists in addition to advance preparation and training. The following are various aspects of daily life on the average college campus.

1. Meal plans and their rules; where to eat at non-meal times
2. Laundry
3. Spending money; budgeting
4. Using a campus ID and/or charge card
5. Dorm rules
6. Handling fire drills at any hour, especially in the middle of the night
7. Using communal bathrooms
8. Transportation
9. Campus maps
10. Locating security personnel
11. Finding rest rooms
12. Using an alarm clock
13. Campus mail, e-mail and instant messaging usage
14. Library hours and how to get help from a librarian, and for that matter, anyone else
15. Lecture hall procedures
16. Learning about and participating in dorm activities
17. Student health services
18. Medical, non-medical emergencies and non-emergency procedures
19. First aid and how to take care of oneself during a minor illness (including how to get liquids and food when they’re under the weather)
20. Finding time for physical exercise is important for many, not only for health reasons but also to help with stress management.

Plan Far In Advance

Thinking about these issues years in advance is necessary; doing something about it is mandatory! As part of the Individualized Education Plan process, each student should have a transition plan to learn the skills necessary for college. Many important skills that will facilitate success in college can be taught and practiced at home and while the student is still in high school. It is important that the student understand what his or her learning needs are, and the types of accommodations that will be helpful.

In college, students will probably find it helpful to talk to advisors and professors about these issues. This will be easier to do when it has been practiced in the more supportive environment of the home and the high school. At home, high school students should be learning and practicing daily living and independence skills so they will be able to be successful in college…

For further information about Autism and to view country artist Mark Leland’s emotionally charged video, “Missing Pieces,” a song for Autism, please visit Frinkfest.com, and the following:

The PARIS database contains details of all colleges known to The National Autistic Society that cater for students with autistic spectrum disorders. It is available at www.info.Autism.org.uk and is updated regularly. If you require further information please contact the NAS Information Centre.
Tel: + 44 (0)20 7903 3599 or 0845 070 4004.
www.about-disability.com/disability-aids/college-financial-aid-disabled-student-99.html College financial aid for disabled students.

A Few Resources

There are brief discussions of college-related topics in Liane Willey’s book, Pretending to be Normal, and in A Parent’s Guide to Asperger Syndrome & High-Functioning Autism, by Sally Ozonoff, Geraldine Dawson, and James McPartland.

Aquamarine Blue 5: Personal Stories of College Students with Autism, edited by Dawn Prince-Hughes, has 12 essays and an appendix of tips. A recent addition is Succeeding in College with Asperger Syndrome: A Student Guide, by John Harpur, Maria Lawlor, and Michael Fitzgerald.

Eric Clearinghouse on Disabilities and Gifted Education, One of their many useful articles, ERIC EC Digest #E620, is “Selecting a College for Students with Learning Disabilities or Attention Deficit Hyperactivity Disorder (ADHD).”

A web site from the United Kingdom, University Students with Autism and Asperger’s Syndrome, has many helpful links and some interesting articles by university students with Autism spectrum disorders.

North Carolina State University has a useful guide on transitioning from high school to college on their web site. Edmonds Community College and the University of Washington Autism Center.

Experts On The Subject

Dr. Ami Klin, www.info.med.yale.edu/chldstdy/Autism/staff.html

Dr. Klin is the Harris Associate Professor of Child Psychology and Psychiatry at the Yale Child Study Center, Yale University School of Medicine, and Yale – New Haven Hospital, New Haven, CT. He obtained his Ph.D. from the University of London, and completed post-doctoral fellowships in developmental psychopathology at the Yale Child Study Center. He coordinates psychological evaluations at the Yale Child Study Center Developmental Disabilities Clinic, and the diagnostic, neuropsychological, and social cognitive assessments of three large, federally-funded program projects focused on behavioral and neurobiological aspects of Autism and related conditions. Dr. Klin is also Chief of Psychology at the Child Study Center.

His research activities focus on psychological and biological mechanisms impacting on socialization, particularly as these mechanisms are expressed in individuals with Autism and related severe social disabilities. These studies include novel techniques such as the new eye-tracking laboratory that allows researchers to see the world through the eyes of individuals with Autism, as well as to measure their patterns of viewing of naturalistic social situations. He is the author of over 80 publications in the field of Autism and related conditions. He is also the co-editor (with Drs. Fred Volkmar and Sara Sparrow) of a textbook on Asperger Syndrome, published by Guilford Press, and the third edition of the Handbook of Autism and Pervasive Disorders.

Carol Gray, www.thegraycenter.org

President of the Gray Center, Gray initiated and developed the use of Social Stories with students with autistic spectrum disorders, and has written several articles, resources and chapters on the subject. Gray co-authored the first article describing Social Stories, entitled Social Stories: Improving Responses of Students with Autism with Accurate Social Information, published in Focus on Autistic Behavior in April of 1993. Shortly thereafter, Gray edited the first book of Social Stories, The Original Social Story Book (1993), followed by New Social Stories (1994), which is now under the title, The New Illustrated Social Story Book (revised 2000).

Gray has written several chapters on the topic of Social Stories, including: Teaching Children with Autism to “Read” Social Situations, in Teaching Students with Autism, Methods to Enhance Learning, Communication, and Socialization, a text edited by Dr. Kathy Quill (1995, Delmar Publishers Inc.); Social Assistance, in Higher Functioning Adolescents and Young Adults with Autism, edited by Dr. Ann Fullerton (1996, Pro Ed Inc.); and Social Stories and Comic Strip Conversations, in Asperger Syndrome or High Functioning Autism? a text in the Current Issues in Autism series, edited by Dr. Eric Schopler, Dr. Gary Mesibov, and Dr. Linda Kunce (1998, Plenum Press).

Most recently, Gray has edited My Social Stories Book, a collection of Social Stories specifically written for young children. In addition, Gray has extensively researched the topic of bullying. Gray’s Guide to Bullying looks at bullying as it relates to people with ASD (The Morning News, winter 2000, spring 2001 & summer 2001). She has also worked on a curriculum to teach students how to avoid violence.

Gray has developed a variety of other resources addressing additional topics related to the education of children and adults with autistic spectrum disorders. She is the author of What’s Next? Educating Students for Success in the Community (1992), Taming the Recess Jungle (1993), and Comic Strip Conversations: Colorful, Illustrated Interactions with Students with Autism and Related Disorders (1994). She is also the editor of The Jenison Autism Journal (formerly The Morning News), an international newsletter that shares information among those working on behalf of individuals with autistic spectrum disorders. Gray is the recipient of the 1995 Barbara Lipinski Award for her international contribution to the education of children with autistic spectrum disorders.

Stephen Shore, www.Autismasperger.net

Diagnosed with “Atypical Development with strong autistic tendencies” Stephen Shore was viewed as “too sick” to be treated on an outpatient basis and recommended for institutionalization. Nonverbal until four, and with much help from his parents, teachers and others, Stephen Shore completed his doctoral degree in special education at Boston University with a focus on helping people on the Autism spectrum develop their capacities to the fullest extent possible.

In addition to working with children and talking about life of the Autism spectrum, Stephen presents and consults internationally on adult issues pertinent to education, relationships, employment, advocacy, and disclosure as discussed in his book Beyond the Wall: Personal Experiences with Autism and Asperger Syndrome and numerous articles. He also serves on the board of the Autism Society of America, as board president of the Asperger’s Association of New England and is on the Board of Directors for Unlocking Autism, the Autism Services Association of MA and the Asperger Syndrome Coalition of the US.

Reecy Aresty has been a financial advisor since 1977, and is founder and president of College Assistance, Inc., located in Boca Raton, Florida. He is the author of “How To Pay For College Without Going Broke,” an invaluable, critically acclaimed, parent/student manual, (updated from its previous edition, “Getting Into College And Paying for It!”). Arguably the most revealing book ever written on college admissions and financial aid, it is also the only book of its kind available in Spanish. For the past 28 years, Reecy has helped thousands of families send their kids to the college of their choice for less than they ever dreamed possible. For more information on admissions & financial aid, and to checkout the best college book on the market today, please visit: Paylessforcollege.com

Is Going Back To School For You?

A number of years ago I took the plunge and went back to college to complete a night-time degree. While it is good to have the qualification and it was certainly beneficial to me in my career, that road is fraught with difficulties and it is not one that any potential student should take lightly.

Study of any kind, done properly, is time-consuming. Much of the first and second years of my own course involved organising my life around my studies. With many lives taken up with families and careers, managing the study becomes yet another task in your life.

Before signing up for a course there are some important issues to consider.

Take your time deciding what you want or need to do.

Signing up to a flower-arranging or a woodworking class for 10 weeks is an easy decision but a 3 or 4 year course needs careful thought. Make sure it’s something you are really interested in. Why do you want to do it? Is it for work, pleasure or some other reason?

Be Realistic

Look closely at the course you want to do. There is really no point in taking on an engineering degree if you have always hated maths.

Do you think you will be up to the challenge?

Do you have the basic abilities to do this course?

What other course might better match your abilities and interests?

Look at the limitations of your time

For those with families and other outside commitments this is essential. Consider how often you need to go, the outside work - the homework and any other projects. How much time will they take up? Will you actually have the time to do it?

Think of the possible effect on family and those closest to you

The family and those we spend our lives with, need reminders that we haven’t forgotten them. The study is about them as well, as they are affected. They will need attention, maybe a bit more than usual as you focus on your studies.

Look after your health

For many people stress can be a big problem particularly as they have probably been out of education for a very long time. They worry about assignments and other projects. They fret about their ability. They also have much longer days due to the classes. Consequently there is a need to look after your health a little more, with exercise, good food and enough sleep and all those other recommendations health professionals give us.

Is it worth it? Yes I think so. There is a great sense of achievement and it clearly shows that we can take on study at any time in our lives, once we have the will and the time.

Ken O’Brien has over 10 years experience in English language teaching and vocational training. Educated Links(http://www.educatedlinks.com) provides articles and other resources based around a range of education and training topics. Ken was also part of the team that developed the Abacus Communications Business English courses (http://www.abacus-communications.com).

Some Are More Equal

It is true that the world stomps the weak and hails the strong. This has been the case for ages - infinity. Same happens in every field - the weak are overshadowed by the strong. There is, however, a different definition to weak and strong here.

The weak is the one who does not have a degree, the strong is the one who has. The strong is heeded everywhere, the weak is bypassed. Now this does not matter that the strong is a 20-year old who has just graduated bearing a puzzled look on his face, and the weak is a 40-year old, clear in his mind about what he does.

Do they have any comparison? Yes they do. Comparing the degrees, the newbie would come on tops of the other. In terms of defining the concepts, the newbie would emerge on tops again. But - but - when you compare what really matters - how well their real world performance is - how well they apply themselves in real world - the newbie would be left to eat dust by the experience of the other.

Isn’t that what matters - real world performance? I am reasonably sure that that is what really matters. And I am also pretty much confident that no employer would intake an applicant who has excellent theoretical skills but he can not apply them to the real world. Yet again, I am eager to see an employer who would not prefer experience over the newbie.

Then why this bias of degree and non-degree? If a person suits your job, why not take him in? That’s the bias we need to clear if we want to see equality in the masses, if we want to see our people happy.

Anyone in the power corridor listenin’?

Unmet Demand

Like I said, if there are not many graduates to meet the demand of the industry, what are you going to do? Obviously, either trim down your industries or find those who are adept at handling your machines and business.

Oops. I let out the secret word. Find those adept at handling your business. Who are these people? Do I know them? Well…They are those people who you frown upon, these are those people who are your real workforce, these are those people who, though they are not as educated as you are, they do the work as an expert - quite naturally, too, because they are in constant touch with it. Many of these people are those who drop out of college early to start their own business and then later want to work somewhere.

What have these people done? These people have gained valuable experience in their life by doing things their way, learning from their mistakes, and building up on the past. Plus, they have topped it with a life experience degree to prove their experience.

Life experience degree? Yes, life experience degree - a degree which is awarded to those who are in the bracket of 35 and 54 only. A degree which is awarded to those who amply prove their worthiness for the degree. A degree which more and more businesses are accepting by the day. A degree which is recognized.

It is not farce. The degree is a real degree. Like traditionally, your ‘cramming skills’ are evaluated in exams and then you are conferred a degree, life experience evaluates your practical real world experience to award the degree in your chosen discipline.

The universities are a helpful lot. Almeda University is a noteworthy university offering live customer care support to the candidates to solve their queries on the fly and save time.

Why Are They Considered Inferior?

Do they have one or more than two eyes? Are they different than you in physical composition and disposition? Why do you consider them inferior to you in any way? Just because they do not possess a degree as you do?

Is that the way to treat fellow humans? Is that what your high-flying degree taught you morally? What are you trying to achieve here by flaunting your degree? Those that do not have a degree also work, also earn. They also stay happy. Just that they are denied jobs where they would suit perfectly for lack of a degree, nothing else.

But that alone is too much. That is denial of opportunity to the worthy, which is a moral crime. Why would you not employ a person who is twice as much experienced as the other applicant, just because the experienced doesn’t hold a degree to satisfy your requirements?

Universities like Almeda University started giving out degrees to counter this prejudice. The university was met with much upheaval. Why? Why do you deny the worthy their right? They are much experienced than you, is that a crime? They are more skilled at handling the job than you because you only studied for it, they have been doing it. Is that a problem, by any chance?

Why do you try and thwart the attempts made by such universities to bring equality to the employment horizon? Why can’t you accept path-breaking efforts? Any digression from the normal is met with a roadblock. Why? Is that what you call progress?

Forget progress, the nation will not even stagnate if the trend continues. The figures show that there are more people who drop out of universities than those who pass and get a degree. If there are not enough degreed to satisfy the demand of the corporate world, what are you going to do?

Think.

South Carolina Chiropractic Schools

If you are looking for chiropractic training that can lead to a career as a chiropractor, you will find several top chiropractic schools in South Carolina that can help you reach your goals. Chiropractic medicine taught in South Carolina chiropractic schools is comprehensive, focusing on relationships between functional and neurological facets of the spine and how they affect the health of the entire human body.

Chiropractic schools in South Carolina aim to develop an understanding of how physical, spiritual, and mental conditions interact in regard to overall health and wellness. Aspiring chiropractors learn how to treat patients in a holistic fashion so as to promote natural healing through the body’s own, innate abilities.

Chiropractic is a holistic, natural form of healthcare that promotes healing that is free of drugs and unnecessary surgery. All chiropractic schools teach that spinal health is key to overall health of the body, and students learn how spinal misalignment can cause a variety of illnesses and maladies.

South Carolina chiropractic schools train students for determining the health needs of individual patients by considering not only the body, but also the mind and spirit. Assessments will include stress levels, amount and type of exercise, duration of rest, and various aspects of nutrition and fluid intake. Hands-on training in making spinal and joint adjustments is the most important part of chiropractic training, and many chiropractic schools will require students to develop these skills early in the education process.

You should expect courses in anatomy, biology, psychology, chemistry, biochemistry, pathology, microbiology, neurology, X-ray, orthopedics, clinical skills, chiropractic philosophy, and business. As a future chiropractor, you may choose programs ranging from certificates or Bachelor Science (BS) degrees to Master of Science (MS) and Doctor of Chiropractic (DC) degrees. You will find opportunities to specialize in chiropractic neurology, internal disorders, orthopedics, sports injuries, nutrition, or diagnostic imaging.

Incomes for chiropractors will vary, but the well-trained chiropractor can expect a handsome salary regardless of the region of practice. Incomes for chiropractors in the U.S. average around $70,000 annually and max out at about $120,000. Graduates of South Carolina chiropractic schools can expect excellent employment prospects in the field of chiropractic medicine. Yes, the potential rewards can be intriguing for the serious student with high aspirations. Why not begin your chiropractic education today?

To learn more about South Carolina Chiropractic Schools, we invite you to visit our website and contact several schools that appeal to you. You will soon have the information you need to make an informed choice that could greatly improve your professional outlook.

If necessary, you may wish to widen your search to include schools in other states, such as:

- New York Chiropractic Schools

- Connecticut Chiropractic Schools

- Illinois Chiropractic Schools

- Oregon Chiropractic Schools

- Georgia Chiropractic Schools

DISCLAIMER: Above is a GENERAL OVERVIEW and may or may not reflect specific practices, courses and/or services associated with ANY ONE particular school(s) that is or is not advertised on SchoolsGalore.com.

Copyright 2007 - All rights reserved by Media Positive Communications, Inc.

Notice: Publishers are free to use this article on an ezine or website, provided the article is reprinted in its entirety, including copyright and disclaimer, and ALL links remain intact and active.

Michael Bustamante is a staff writer for Media Positive Communications, Inc. Find Chiropractic Schools in South Carolina and other states, such as New York and Florida Chiropractic Schools, at SchoolsGalore.com, your educational resource to locate schools.

Why Traditional Colleges Will Continue To Survive and Thrive

With online education continuing to explode, some people feel the days of traditional colleges are numbered. One online educator even said that traditional colleges are becoming a place vagabond youths go to congregate.

Nothing could be further from the truth. Below are the reasons I think traditional colleges will continue to survive, thrive, and play big roles in society.

1. Going away to college is like a rite of passage. There is nothing like that feeling of an 18 year old moving away from mom and dad for the first time. It connotes freedom. It is Freedom from being told what to do all the time. Why traditional colleges are more expensive than distance learning colleges, I would not have given up the chance at this freedom for a million dollars.

As a parent, I cannot fathom not letting my children have this same freedom and experience. It is an experience I so much enjoyed. It is only natural that I would want this freedom and experience for my beloved children.

2. Traditional colleges offer social networking that online education cannot. It is said it’s not often what you learn in college that matters, it is who you sit next to in class. Some of the people you sit next to in class will become lifelong friends and business associates.

This became more evident to me during the 2007 NCAA Basketball Championship. If you are a college basketball fan, you know the University of Florida won back to back college basketball championship in 2006 and 2007. This was made possible by a group of young men (Corey Brewer, Taurean Green, Al Horford and Joakim Noah) who became teammates and roommates.

These young men while at the University of Florida became special friends. Through this friendship, they bonded together and agreed to try to achieve something that was only done once (win back to back NCAA College Basketball Championship) since 1973. The other school that did it since 1973 is Duke University. Needless to say, they achieved this goal and will forever go down in the history of college basketball together.

Can online education provide such enabling environment?

I think NOT!

3. Traditional colleges have become icons in the communities they are located in. Some of these communities have come to love and identify with their schools.

Take Gainesville, Florida for example. Can you imagine the city of Gainesville, Florida without the University of Florida? The city of Gainesville will suffer untold economic and social hardships without the students of University of Florida.

4. Old habits die hard. There are still people who believe in the traditional way of learning. These people feel being on campus is the best way to learn. They will continue to support and go to traditional schools to do their learning.

5. There are majors that are not amenable to online learning. Until online schools figure out how to do things like chemistry or physics labs online, these type of majors will continue to be the forte of traditional colleges. Sometimes learning just involves getting your hands dirty.

While not exhaustive by any means, these are some of the reasons traditional colleges will continue to survive now and in the future. It is indeed too early to hold their obituary. In fact, such an obituary may never come in our lifetime.

Copywrite Kenneth Echie. Kenneth is a writer for Criminal Justice Schools and Degrees. Get a free info packed report on how to get free grants, scholarships, and loans by sending blank e-mail to: cjfans (AT) getresponse.com.

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