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Cant Repay Your Student Loans 5 Ways to Get Help.

For college students, November and December are filled with research projects and final exams. For recent graduates, however, these months can be exceptionally stressful, especially if a post-graduation dream job hasnt materialized on schedule. For graduates who left school with debt from student loans, November and December can be a month of reckoning.

Government-issued federal student loans and many non-federal private student loans grant students a six-month grace period after they leave school before they need to begin making loan payments. For students who graduated in May and June, then, those college loans come up for repayment in November and December.

And if youre a graduate whos caught up in the current recession and the highest unemployment rate on record for new college graduates, you may be getting your first student loan bill having no idea how youre going to make the payment.

Just ignoring those student loan bills isnt going to help. Defaulting on a federal student loan is no light matter. The government can step in and garnish your wages, once you get a job, or seize any income tax refunds you may have coming to you in order to put money toward your student loan debt.

Both federal and private student loans are nearly impossible to discharge in bankruptcy, so your student loan lenders can keep coming after you for payment, even if a judge declares you bankrupt and wipes out your other debts.

All your student loan accounts appear on your credit report, so your credit rating is also at risk. Repeated late and missed payments on your student loans will drop your credit score, will linger on your credit history for years, and can have a lasting impact on your ability later on to qualify for anything that requires a credit check. You may not be able to get a credit card, take out a car loan or home loan, rent an apartment, or even get a job — more and more employers are conducting credit checks on job candidates as a measure of your responsibility and maturity.

Clearly, keeping your student loans current needs to be a priority, for the sake of your credit and the health of your financial future. Whether youre a newly minted college graduate or a longtime borrower whos now having some financial troubles, if youre facing student loan payments that you cant afford, here are five ways to get help now.

1. Contact your student loan lenders. Whether youre approaching the end of your grace period or youre already in repayment, if you know that you dont have the ability to make the payments on your student loans, contact your lenders immediately, explain your situation, and see what they can do to help.

For your federal student loans, the U.S. Department of Education can grant you additional periods of deferment or forbearance if youre facing financial hardship. With a government-approved deferment or forbearance, your student loan payments are postponed, with no adverse effect on your credit.

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Information On Consolidation Of Student Loans

Paying for college can be a genuine hassle especially when you graduated from the school nearly a decade ago. Many graduates think that the six months they have before the required scheduled repayment of their various college debts is always an eternity. The six months is nothing as compared to the years of payments ahead of you, so many people opt in to consolidate student loans. A consolidation of student loans can make the monthly less painful.

I used to have three separate student loan bills. Two were for my undergraduate studies (which I have decided I actually could hardly afford) and one was for graduate school (which I definitely could not afford). Paying all three bills in a timely manner was a real headache for me.

A part of the issue lies in the basic fact that I have trouble remembering to complete tasks that I really do not want to complete. There has to be some kind of subconscious factor going on here that I haven’t come to terms with as of yet. The best solution for me was to find out the best way to consolidate student loans.

The process of selecting a lender that will accommodate your needs is no problem at all. In fact, many of these lenders come to you. A consolidation of student debts has helped me keep track of my account much easier and it afforded me a few extra dollars every month. Actually, I save about 150 bucks each month through the debt consolidation.

This extra cash is terrific but I also like to put a little more on the principal every month. This is a great way to knock down the principal swifter and avoid paying too much interest. I find that the smaller monthly payments I got through consolidate student loans helps me make an additional payment here and there. This makes a lot of difference.

Another benefit of picking a consolidation of student loans is the interest rate itself. Even though you are refinancing the financial debt you will still get a really good rate of interest regardless of what your credit rating is like. This is a significant advantage for anyone who would like a consolidation of student loans without the fear of hiking rates of interest.

I chose to take this route nearly two years ago and I definitely made the proper decision. I have smaller payments as well as the promise of paying off the whole debt in less time than I thought I would. The consolidation of student loans is an excellent way to gain control of this monster of a debt.

Learn more about how you can can consolidate student loans effectively and without spending a ton of money out of pocket by visiting us at

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Students issued tax warning

The vast majority of people who earn money are keen to ensure they do not pay too much income tax. For this reason, some use an income tax calculator or PAYE calculator to help them assess whether or not they have.

Students may be among those who can benefit most from such activity, research conducted by one organisation suggests.

According to the Low Incomes Tax Reform Group (LITRG), around six million people are likely to now be receiving tax calculations having not paid the right tax under Pay As You Earn (PAYE), and students are particularly at risk of this.

The reason for this, the organisation claimed, is that such people can find that the system struggles to keep up with their working patterns. For example, undergraduates may be working in several jobs at once, frequently moving between roles, doing irregular work with agencies or be involved in a ‘sandwich’ course during which they work for a year.

Students are advised to keep on top of their income deductions, which may involve using an income tax calculator or PAYE calculator. Not only may mistakes mean they overpay, but they may also result in such people paying too little. In such cases, they could be hit with an unexpected bill at a later date.

With this in mind, LITGR issued advice to students. For example, it stated: “If you start a new job without a P45, but your former employer later gives you one … you can still give it to your new employer for them to adjust your tax code.

“But otherwise, you might need to keep an eye on your payslips and contact HMRC to chase up processing of your P46 to make sure you get put back on a cumulative code if it doesn’t appear to be done automatically.”

Earlier this year, HM Revenue & Customs revealed that a number of people had either under paid or overpaid tax and it sent out correspondence to inform these individuals of the errors.

The Article is written by www.besttaxback.com providing Income Tax Calculator and Paye Calculator Services.Visit for more information on www.besttaxback.com Products & Services___________________________Copyright information This article is free for reproduction but must be reproduced in its entirety, including live links & this copyright statement must be included. Visit www.besttaxback.com for more services!

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Renting a House for Students

If you are a student who goes for learning abroad, then the primary things that you will need to concern for yourself is finding houses for rent. Your living accommodations will make a big impact on your education, and you need to make sure that you take the time to find the best housing for your needs.

If you’re fortunate enough to live at home with your parents during your education, that’s great. However, for those who are striking out on their own, choosing a rental house is going to be important. You can find your options in many different ways, depending on what you want and need.

Some people search for house on rent by first searching for flat mates. If you can’t afford to pay the full price for a rental, it’s often easier to find other people seeking mates or a house to live in. In this case, you can often pair up or find a couple of flat mates and then go forward to find a house together.

Many students stay at university and college hostels during their first year. This is a great way to first familiarize yourself with the education facility you are studying at. It also makes new friends whom you can group together with to find a rental house during your second and subsequent years.

After all, it’s much easier to know what you can afford when you have your flat mates already picked out. Alternatively, you can also find a house that you can live in that is already occupied by people looking for another flat mate.

If you’re searching for a house of your own or houses to rent with others, you will need to make sure that you consider a few things besides the cost of the home. What you can afford is very important; but it is not the only deciding factor. You should also consider the location to your education facility, nearby public transport if you don’t have your own vehicle.

Some houses will rent by the week or month while others will want to let them for a year at a time. Additionally, it is a good idea to draft a budget before you commit to a particular place. Also think about how much money you will need for food each week. This financial exercise will give you a good estimate of what you can afford. You should also consider the other expenses so that you can estimate your expenditures beforehand.

About author: The Author Sumit Gurg is a prominent real estate guru and offers guidance to people looking for house on rent as well as writes for a variety of real estate magazine and publications.

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Teacher Training

The primary reason for implementing teacher training is so that teachers are well equipped and knowledgeable when they first start a job in a school or any other education centre. However teachers arent always prepared for what they may come across. Teacher training schools dont teach teachers how to deal and cope with all situations, most of the troublesome problems they face are those, which they encounter first hand and have never had any real experience of. Teachers can be faced with many difficult situations such as student behaviour problems and inappropriate actions, it is only when faced with these problems that teachers will know how they will react to it. This is why the teaching profession has such a high rate of people leaving as you cannot fully appreciate the difficulties of being a teacher until you have witnessed it first hand.
During a teachers professional career a school will need to ensure teachers are regularly trained and kept up to date with new and current methods in education by extra training.

Good teacher education is no doubt one of the most significant things for a successful school. Tutors not only must excel at their applied chosen area but they are increasingly being faced with difficulties, they need to know how to cope and handle tough behaviour from classes, also how to deal with tender affairs students might have.

Teachers are prepared a little when they initially train to become teachers but on occasions it usually needs much more, and guidance from professionals may very well be required. These professionals will guide you on your concern area and will draw on their own skills and experiences to help you. They will attempt to help you master any problems you have and let you continue teaching in a beneficial way to pupils.

To be a teacher you need to have the right temperament and desire to be dedicated to what you do. You should be ready to give up some personal time to join team meetings, mark students work, aid pupils after school or even take part in after school activities. Teaching has a very high decline rate, mostly due to difficult behaviour and teachers deciding that the profession isnt what they originally thought it would be like.

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Sell Your Teacher Made Resources Online

Have you created classroom and teacher resources that make the preschool experience better, or the educators job easier? An excellent tool for sharing those resources is to sell them online. Years of experience teach teachers many techniques for reaching a childs mind and imagination, something that is not always taught to young teachers during their education and training.

When young people use resources provided from the experiences of their elders, everyone benefits. You may not realize that your simple methods for doing things can be sold to a young teacher. Well, they certainly can. It may be a better way to create a bulletin board in the classroom, a fun puzzle for teaching math facts, a game for learning the Presidents of the US, a song to learn the states and capitals, or particular process for science projects.

Methods for Selling Online

1. Websites. If you have a great deal of teacher resources, ideas, books, and projects that can be easily and professionally packaged and presented, a personal website might be the best direction for you. You can advertise your website on education sites, teacher resource sites, and educational exchange sites. However, an individual website is usually more costly and time consuming than other options.

2. Auctions. There are several websites where auctions take place 24-hours a day, 7-days a week, 52-weeks a year. You can buy or sell almost anything. Because of that your things might get lost amid the vast array of other products available. While that is certainly still a viable source, an auction site that specializes in educational resources and child care businesses is probably a better choice. You simply pay a percentage of what you received for the sell as a fee.

3. Stores on Auction Websites. A possibility that falls between the above two methods are individual stores that are located on auction websites. Your items appear as auction items when a buyer searches a particular product. However, the buyer is then given the opportunity to search yourstore for other products. Its generally less expensive than websites, and easier to manage than individual auctions if you have a lot of items. Educational auction sites are generally preferable due to the enormous amount of products on general auction websites.

The route you choose for selling your teacher made materials depends on the volume of materials available and time you can invest in managing the sales.

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Burmese Language An Asset to Learn for Language Students

Burmese is the official language of Myanmar or Burma, and it is spoken by approximately 65% of the Burmese population. Although Myanmar or Burma has approximately one hundred spoken languages, most of these languages are spoken by ethnic minorities.

In Myanmar, Burmese is the primary language of instruction, while English is the secondary language that is being taught in schools. Interestingly, using minority languages in education and government is discouraged and has been not approved; but minority languages can be of course be used at home.

The Burmese language is intriguing, and sometimes foreigners, including language students may confused about the rich heritage of the Burmese language. There have been controversies about the name of the country since the 1930s. In the Burmese language, the country Burma/Myanmar is known as either Myanma or Bama. Military regime thinks that Myanma is more inclusive of minorities than Bama, thus, they gave the Burmese country a new name Myanmar. However, many of the minorities who do not speak Burmese believe that the name Myanmar is actually disrespectful, so many of the Burmese today are still accustomed to the name “Burma” as the most appropriate name of the country.

Burmese may not be the hardest language in the world; however, learning how to read and write this language may involve oddities and difficulties while learning. One of the interesting facts about the Burmese language is that almost every syllable has its meaning in Myanmar language, such as the names of towns and people.

Learning Burmese needs a lot of effort; it does require a combined effort between the teacher and the learner. Burmese culture is embedded in the language itself, and should be given special attention in the process of language learning. This is to ensure that language students will understand and respect the cultural differences between languages.

The Burmese language may not be a major language and has no tremendous linguistic status in the international arena; however, learning this language is an investment, a good asset to complete anybodys academic career.

Although the dominance of the English language is widespread all around the world, it doesnt entirely necessary mean that the vital significance of other languages like Burmese language should be neglected.

Language learning will help students to have a future and a career not only in the translation and interpreting industry, but also it generates major benefits in the working skills of language students in any industry.

Just like any other languages, the Burmese language is important as well. Thus, it should be noted that people should not ignore the importance and value of the Burmese language in communication and to their cultural identity.

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Disorganized College Students Put Tuition At Risk

Next to buying a home, college tuition is the largest expense most families will face. But your investment in college tuition could be at risk. Despite four years of hard work in high school and success in gaining admission to college, your child may be underperforming. And it might have nothing to do with academic skills.

In a recent national survey conducted by research firm Greenfield Online, 47 percent of college students said their high school did not prepare them with the organizational skills required to do well in college. What’s more, 87 percent of students say better time management and organization skills would help them get better grades.

Ironically, for a generation of students raised on computer technology, the survey also found almost half of college students still manage their tasks and schedules by hand writing on a personal calendar. Another 23 percent rely on memory to keep track of their many deadlines and assignments.

“Getting into college is only half the battle. Doing well in college prep courses in high school is not enough,” said David T. Conley, Ph.D., professor of education at the University of Oregon, and author of “College Knowledge: What It Really Takes for Students to Succeed and What We Can Do to Get Them Ready.” “Students need both academic skills and organizational skills to manage the many competing interests that college life offers.”

Every year college students, especially freshmen, face the distraction of greater freedom and the challenge of more course work. As students become increasingly time challenged, their organizational skills are susceptible to compromise.

Fortunately, the ability to organize your college course demands and manage your time can be quickly gained. In fact, you can use technology to actually do the organizing for you.

The software was developed by the makers of the popular FileMaker Pro database software, which is already used in top U.S. colleges including MIT, Stanford University, Syracuse University, Rutgers University, Wheaton College and UCLA.

“High-tech” generation still using paper and pen could jeopardize good grades and tuition investment.

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Different Scholarship Programs and Their Benefits For Students

A scholarship for student is nothing but a reward in form of financial help to pursue further studies at school level, graduation level, post-graduations level and for other higher education programs. In almost, every country government and different private organizations and trusts offer Scholarships for Students to encourage them to continue their studies. Besides the local government, there are various universities and colleges, which offer International Scholarships to students for higher studies.

Education Scholarships Programs play a vital role in carving students professional careers by enabling them to keep their studies continue. In country like India, where many students cant pursue desired courses due to financial issue, Scholarships Program is a boon.

The Government of India, through the Department of Science and Technology and the Department of Atomic Energy provide students with different College Scholarships and School Scholarships. Further, there are universities such as Gayatri College of Biomedical Science, Dehradun, UK and Srinagar Garhwal (Central University), which conduct Education Scholarships Programs for those, who want to pursue PhD in any discipline.

Apart from this, NIIT – Bhavishya Jyoti Scholarship, ITC Overseas Scholarships, Joint CSIR- UGC Test for Junior Research Fellowship and Eligibility for Lectureship, HCL CDC-Yuva Pratibha Scholarship, NATIONAL TALENT SEARCH SCHEME, JN Tata Endowment Scholarship Program, Tata Institute of Social Sciences Scholarships, Jagadis Bose National Science Talent Search and Kishore Vaigyanik Protsahan Yojana (KVPY) are other well known College Scholarships and School Scholarships in the country.

Selection of students for different scholarships is commonly done on following basis:

Merit: Students, who are brilliant in any area, need to be promoted for higher studies. Government and University Scholarships Programs select such students and help them financially to study the desired subject in highly renowned institutes in country and abroad.

Scholarships for Financially Poor Students: Scholarships programs also recognize financially poor students and help them to continue their studies.

Career Specific Scholarships: Some sectors such as nursing, atomic research, coast guard jobs, and different welfare programs of government, which need professional to work with. Government offer scholarships for students, who wish to work for such sectors that dont usually attract students.

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Student Credit Cards And Cashless Lunch Payments

Students apply for a student credit cards primarily for one purpose to enjoy convenience and ease in their transactions. Today, the concept of quick and easy transactions is now being introduced in schools and colleges in the US through the cashless payment systems.

If youre not familiar with cashless payment systems, you may be surprised that this mode of payment does not involve cash at all. Students do not need to fall in a long anymore just to wait for their turn to pay. With this new payment system, students simply have their fingerprints scanned and check out with their lunches.

This new system uses biometric fingerprint scanners to identify and pull up the students account. Afterwards, the amount of purchase will be automatically debited from the students personal account so theres no need to fumble for cash and wait for a change.

Other schools also use other devices such as credit card readers and bar-code readers just like the ones used in department stores and groceries. As a result, each transaction does not need to take longer than a minute or even just a few seconds.

According to the May 2007 survey conducted by the School Nutrition Association,- a non-profit group that represents 55,000 school lunch providers in the US, about 62% of 1, 200 nutrition directors reported that theyre already implementing the automated lunch payment system in their schools or a variation of the cashless payment system.

In the same survey, 4% said they would be implementing the automated lunch system within the next 12 months and almost 11% said they are planning to convert to the new system. Because of the positive response among school administrations and students, automated lunch payment systems are expected to become a part of the industry.

Automated lunch payments and Students

What are the advantages of using an automated payment system? For one, this new system hopes to decreases cases of theft among students. Since students wont have to bring cash with them, lost-money incidents can be prevented.

Students can also enjoy eating their lunch or relaxing during their lunch break instead of spending precious minutes on the lunch line. The new cashless payment system also encourages parents to go online and check out what their kids are eating for lunch.

By logging in into the students account, a parent can track what his kid bought for lunch, what time he had lunch, and how much the meal cost them. Parents also have the option to transfer funds to their childrens account using through the internet.