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Education Loan Programs Questions and Answers

Resolved Question: All resorts for paying college are worn out, or are they?

I can't get an alternative loan. I'm 18, and my dad was denied as a cosigner. I can't do FAFSA, my parents just won't do it. Are there any programs or ways I can pay for my college education? more

Open Question: What do about my sister taking all the money?

My sister has been in college for one year, and has lost all of her scholarships due to poor grades. The college is also hiking the out of state tuition. I am just starting college in the fall, with scholarships, but they don't cover everything. The added loans for my sister's college costs (which are way out of control) will max out my parent's credit range, making it impossible for the loans I need. My sister could easily go to a local school (which actually has a better program for her major and is at less than half the cost of her current school), but she refuses. I know she is going to flunk her other classes at her current school, and in doing so she will have put my education in jeopardy. My mother wants both of us to go to college, since she was forced to drop out due to costs, but my sister is going to make that impossible. What do I do?????? My estimated cost of attendance $17,000. Her estimated cost of attendance is $40,000. I already have a job, and save every single penny, but making $7.00 an hour doesn't really help. more

Voting Question: My daughter just graduated as a Special Education teacher in Illinois. She neds help paying off student loans?

She missed a chance to enroll in reimbursement program. Is there a program for graduates more

Resolved Question: How can I continue to pay for my education?

I'm in a precarious situation. I just completed my first year of college with a 3.6gpa, however I am transferring to another college in Florida. For my first year I went to a private college in new york city and coaxed my father into cosigning on a $20k loan. However, I found out toward the end of my stay there that none of the majors interested me and that I really wanted to be a pilot. anyway, my father's a serious asshole and won't signoff on another loan so I'm looking for alternative ways to pay for college. I'm signing up for the Air Force ROTC in-college program, but for this year I need a way to come up with $36,000. Is there anyway aside from a loan from a private bank with a high interest rate to pay for this year of college? more

Voting Question: Why did Bush order his appointees at freddie mac to make 440 BILLION in subprime loans to minorities?

Here is a link to george bush's official website/press releases at the national archives. http://georgewbush-whitehouse.archives.gov/news/releases/2002/06/20020617.html On june 18, 2002 bush gave a speech in atlanta and in his words "pledges to use the mighty muscle of the federal government to increase minority home ownership by 5.5 million homes." He then requests his appointees at freddie mac to make 440 BILLION in sub prime loans to minorities, or 20 times the amount that democrat presidents had requested" Here is from bush's official press release in the link: Today, President Bush announced a new goal to help increase the number of minority homeowners by at least 5.5 million before the end of the decade. The President's aggressive housing agenda will help dismantle the barriers to homeownership by providing down payment assistance, increasing the supply of affordable homes, increasing support for self-help homeownership programs, and simplifying the home buying process & increasing education. The President also issued "America's Homeownership Challenge" to the real estate and mortgage finance industries to join in his effort to increase the number of minority homeowners by taking concrete steps to tear down the barriers to homeownership that face minority families. Why did bush order 440 billion in loans to high risk people? Did you know his campagin finance chairman owns the biggest homebuilder - ryland homes - and another top donar owns the largest subprime mortgate broker in the usa. And don't forget his cousin, herbert walker, ran the credit default insurance scams at goldman sachs. Looks like all of bush's buddies got filthy rich from the 440 billion he ordered. Do you agree? more

Resolved Question: Please help!!! I am very lazy to do this :D?

1. If you plan to remain in an entry-level job, a high school education is adequate. (Points: 1) True False 2. There is no point in applying to a private college unless you have a lot of money. (Points: 1) True False 3. Colleges and universities offer undergraduate and graduate degree programs. (Points: 1) True False 4. Applying to a college or university entails obtaining application materials, completing the application(s), and submitting the necessary application materials. (Points: 1) True False 5. The ACT and the SAT are two types of tests taken to gain admission to college. (Points: 1) True False 6. When applying for financial aid, you must first fill out a FAFSA form and be scheduled to attend school at least part-time. (Points: 1) True False 7. There are three types of financial aid: grants or scholarships, loans, and work study. (Points: 1) True False 8. If you feel you cannot afford a certain college, you should eliminate it from your list of schools. (Points: 1) True False 9. Because applying for financial aid is a lengthy process, it is best to start early and plan accordingly. (Points: 1) True False 10. Work-Study jobs are jobs in the community that provide money for college. (Points: 1) True False 11. A college or university is really the only choice for post-secondary education. (Points: 1) True False 12. The ACT and the SAT are standardized college entrance examinations. (Points: 1) True False 13. If you plan to eventually earn a degree at a four-year college, you should check credit transfer policies before you enroll in a community, technical, or proprietary school. (Points: 1) True False 14. Good academic performance in high school increases your chances of gaining admission to the college of your choice. (Points: 1) True False 15. Contacting a career center is the best way to obtain information about on-the-job training programs. (Points: 1) True False 16. A person with post-secondary education tends to earn more money than a person who has none. (Points: 1) True False 17. An apprenticeship combines on-the-job training with classroom instruction. (Points: 1) True False 18. Programs in travel careers, modeling, and cosmetology may be sought at proprietary schools. (Points: 1) True False 19. Candidates interested in military academics must meet physical, academic, and medical requirements. (Points: 1) True False 20. Laws concerning apprenticeships are the same from state to state. (Points: 1) True False more

Voting Question: What are some ways to pay for college already know about financial aid and student loans?

I need help paying for college next semster and need some great ideas on how to get the money. Im already on financial aid and do not think I will be able to take out students loans since i have credit card debt. Any other programs besides financial aid and loans or scholarships because my GPA is low. Also no one can co-sign for me that i know already asked. And i think i will be geting work study next year but only enough to buy books. I will be going to a unversity. My major is early elementary education and i will be considered a jr next semster. more

Voting Question: College bound people. ...What do you think of this idea?

This morning I was listening to a professor of public policy from one of the universities. I only caught part of the information...but from what I gather, he is suggesting that the government pay the tuition for all college students with a loan program (no matter the economic status) and once they are out of college, the government will begin collecting 10% of your income for a specified period of time to pay back the loan. He said that this would be good for society as those who had great earnings would help pay off the loans for students who have less earnings. I personally find this policy grossly unfair to those who get the good jobs due to their abilities and education.....because it forces them to pay for those who did not have the ability or eduction to get a well paying job. I would call this policy socialism? I want to hear from those of you who plan on getting that good job after college graduation. What do you think? One of the last sentences in this guys talk was: "This will be good for society because those who get the higher wages will be subsidizing those who get less...." Considering one of the answers below, I thought I had better add that. more

Resolved Question: May I ask for your honest opinion on this Students march to support dream act?

ORANGE â€“ Emboldened by what they believe is growing support in Washington, a group of about 50 students from local universities and colleges marched and at times ran through the halls of Santiago Canyon College today to support their peers who are in the country illegally. Students -- some wearing caps and gowns -- from Cal State Fullerton and Santa Ana and Santiago Canyon colleges kicked off what they said was a string of rallies in support of the DREAM Act, which would allow undocumented students to apply for legal permanent resident status, protect them from deportation and make them eligible for student loans and federal work study programs. Sarah K. Rimack, vice president of the Santiago Canyon College Associated Student Government's Programming Board, who wore a yellow cap and gown, spoke into a microphone to students during the middle of the march. "The DREAM Act would allow these students to give back to America by becoming part of the Social Security system, by paying federal and state income tax and by using their ability and education to be productive members of society," she said. The proposed federal legislation -- introduced by Senators Richard Durbin of Illinois and Richard Lugar of Indiana and Reps. Howard Berman of California and Lincoln Diaz-Balart of Florida -- has been around since 2000 but has faced opposition and defeat in the past. Rimack, a U.S. citizen who has student friends without legal status, said she's encouraged by President Barack Obama's support of the Act and growing support among legislators in Congress. However, opponents of the proposed law say it would reward illegal behavior. "The DREAM Actâ€¦ discriminates against law-abiding American citizen and legal resident students and is yet another taxpayer-funded reward to illegal aliens for violating our immigration laws," California Coalition for Immigration Reform founder Barbara Coe said in a written statement. "Why should law-abiding American taxpayers be forced to sacrifice the education of their own children in order to fund the education of lawbreakers?" Coe, who heads the Huntington Beach-based anti-illegal immigration organization, said her coalition and other like-minded groups are working to defeat the act. Osvaldo Vences, a 20-year-old Santa Ana College student who followed the beat of about three drummers at today's rally, said he think it's unfair that he can't achieve his educational and career goals because of his illegal status. He said he was brought to the United States when he was 2. He's in the process of applying for residency, he said, and hopes to get his master's degree in criminal justice but is unsure if he'll be able to land a job once he graduates because of his legal status. "All we want to do is contribute to society and succeed in life and get an education," Vences said. For now Vences is able to attend college through AB540, a California law that allows undocumented students to pay in-state tuition rather than the higher fee charged to out-of-state residents. However, some students find themselves without jobs after college due to their legal status http://www.ocregister.com/articles/students-legal-act-2421968-status-support May I ask with Calif facing huge deficits how could Calif afford to add to the deficits by offering the dream act ? I mean here and today and not 10 years ahead into the future? Please no 20-30 links either.Thanks more

Resolved Question: Hello I plan on going to Medical School, Law School, and School of Business?

Hello there. I plan on going to these 3 types of Institutions/Schools. I'm concerned as to which one I should do: first, second, and third. I've been really concentrating hard on this, and it has become really tough as to which one is best to do first and last. Well I want to go to medical school and get my Doctorates in Medicine (M.D.), and I also want to get a degree in Law, and a degree in Business. I haven't the slightest idea as to which one is best to do first, second, and last, due to cost in money, financially, debts, loans, economics, living, food,water, and residency, programs, assistance, health, shelter, etc. and all the needs that I as a person will need to survive and do well in life to get my education, knowledge, and learning, and my Degrees from these top Ivy League Schools, Schools, and Institutions in the World and U.S.A. I need help, please. I don't know where to begin and start? Medical?, Law?, or Business?, I don't know where and what is the best place to start off, I really don't want to waste more time and money. Please explain. I'd greatly appreciate it. Help please. Thank you. more

Resolved Question: Education tax deduction 2008?

I took a professional certification course in 2008 for job advancement. Some costs the employer covered, however I had to incur costs too: examination, (3 @ $150), membership dues - $132/year and books ($50). I'm not sure if I'm allowed to deduct these since the taxact website lists "Education The Education topic allows you to enter deductions for interest you paid on a student loan, enter tuition and fees paid for higher education (Hope Credit, Lifetime Learning Credit, or Tuition Deduction), report scholarship or fellowship income, and report payments you receive from qualified education programs. Student loan interest is generally reported on Form 1098-E and payments " The program had no loans - I paid everything via creditcard and have receipts. Thanks more

Resolved Question: Should I double major or try for my masters?

Right now I am an Early Childhood Education major, and I have one more year until I graduate. I will have no student loans by the time I graduate. I am thinking about pursuing a double major in English with a concentration of Creative Writing. I would only have to stay one more year after my intended graduation date to complete the second major. Or I could possible try for the masters program at my school in Creative Writing which takes three years to complete. I am worried though that I might not get in, since I do not have a minor in English. I was thinking that if I got the double major, then that could open me up to many different graduate programs. I would have to take out student loans for the double major, and most likely for the masters. What should I do? When I complete my degree in Early Childhood Education, I will be certified to teach PreK-5 in the United States, and PreK-2 in Austraila. But that is a great idea! Take a high level course in Creative Writing and create a portfolio! Thanks! more

Resolved Question: Screwed up my life and want to get it right?

I am a 26 year old white male living in the state of Connecticut. I am currently unemployed (via layoff) and collecting unemployment, state health, food stamps, and basically making use of the tax money I paid in the 10 years I was employed. When I was younger, however, I made many terrible mistakes especially when it came to my education. I was kicked out of school at the age of 19 for various stupid offenses in school, with only 11 credits completed. Since that time I had made a few attempts at night school and held up enough to gain myself 3 or 4 more credits, however I still could not keep my mind focused on school... and still was not doing well, not even in the night programs. My issues were, and especially now are not strictly behavior related. I was diagnosed with ADHD when I was very young (although I believe what I really have is Asperger's Disorder) and was placed into special ed, a program I remained in until 10th grade when it was determined that ADHD was no longer a legit reason for me to get in-school assistance any longer. At this point I really started having trouble, all my life I had an abundance of help and then suddenly I had to do it all on my own. Boo hoo, right? Well anyway, here I am being 26 with still at least 10 high school credits needed if I were to go for my diploma. I am aware I can go for my GED but this is where question #1 comes into play. Question #1 - Will my G.P.A, which is probably below 1.0, still be part of college's consideration of my acceptance? Or will my performance on the GED count for more than anything? Also, like an idiot, I never took the opportunity to take my SAT's so Question #2 - Are my SAT's required to be accepted into colleges which will provide the education I need. Moving on, believe it or not those first 2 questions are really the least of my concerns, as when it comes to that I will end up doing whatever is best to put myself in a good position to get into college. What I am more concerned about is #3 how do I go about restarting my education at this age? #4 Can I have anywhere near the educational and professional success as those who get an early (aka normal) start? #5 Will I be allowed to stay at the college dorms, if I choose? #6 Will I be socially accepted, just like any other person entering college at any age? Or will it be like "ewww, weird, this old guy is in college what a loser" ? #7 What kind of grants, loans, and scholarships might I be capable of getting, and how much will they help? #8 Is it logical, or even possible for a 26 year old to go through college and not work full time? I really am not too sure if I can focus on both a job AND school at once #9 I am still not sure what exactly I want my profession to be. I feel that I am skilled in so many areas and to choose one would be to abandon another. My mind tells me I should aim at being good at everything, but reality tells me school only trains you for few professions at a time. What's a good way to narrow this down? #10 Is there any free counseling or professional advice I can get on this matter? Well honestly, I could go on - and on - and onnnnn about all my questions, worries, and doubts about getting my education and life back on track. I will be honest, I feel quite hopeless... but I am also quite desperate to find a way before it is too late. I want to live a normal life, get married to a wonderful woman, have at least a decent job, and at least TRY to live the American Dream. I am tired of feeling like I am always over-looked by people in general, and although I strongly disagree with today's overwhelming "need" to go to college in order to be successful, I have also be forced into a position where I need to suck it up and find a way to get it done. So... anybody out there who feels for me, has answers, knows where to find help, and/or wants to actually help please answer my questions... and feel free to provide more info than what might seem requested here. At this point, I feel like I'm wasting away my life and I need answers.... I finally have the will but the ways seem to have gotten more and more difficult as the years have worn on. Help? -Chris- more

Voting Question: US student loan deferment for residency?

I have US student loans, I was wondering if I could get them deferred for a year while I'm in an artist residency program... it's not affiliated with an university but it might fall under education? Any advice would be appreciated... more

Voting Question: Can anyone help ease my fears of going back to school?

I didn't want to go to college right out of high school, because I knew I wouldn't put much effort into it. I mean, if I'm paying for class, I should be trying hard, right? Well I finally applied to college, and I should find out in a few weeks if I got accepted into my program. The only thing is, even though I feel like I'm actually ready to get my moneys worth out of this education, I'm kind of freaking out. Not with scheduling my classes and work and homework/studies, but with loans and being back in school. (You might guess that I didn't love high school, or get a whole lot out of it) I'm nervous about meeting new people again, and how it's possible to pay for school. I'm technically dependent on my parents (because I'm not 24, not married, don't have kids and am not in the military...how dumb is that?) so I'm going to have to pay for this right away without the help of decent loans or any grants. I'm just kind of over having only a high school education, but that's really the only reason I want to go to school again. Everything else about college makes me feel nervous. Anything to share about your experience? Especially if you waited a while after high school to go....I'd appreciate it! more

Resolved Question: Does anyone know if you can get OSAP for Max the Mutt Animation School in Toronto?

I am looking at different programs for after this year and the Graphic Storytelling/Illustration for Sequential Arts program at Max the Mutt Animation School in Toronto has really grabbed my attention. My only problem is that due to unforeseen circumstances I no longer have any savings for my education. Will OSAP cover this program or will I have to try to get a loan? more

Resolved Question: Considering joining the Peace Corps?

I'm 26 and in grad school currently. I have one more semester left (I finish in December). After that, I will be ready to get a job, or start my life, etc. I was considering the Peace Corps. Yes, I will have nearly $50K in education debt (all government loans) but I hear that the Peace Corps can defer them. As an undergrad I majored in multimedia journalism. I'm getting my Master's in Information Science. I know all about web design and graphic design, and how to use programs like Word, MS Office, etc. I've worked as a web designer before, but I have no previous volunteer experience and I'm on the shy/introverted side. But I really want to help others in this area. Do I have any chance at all in getting into the Peace Corps? I'm willing to do whatever I have to do to improve my communication skills, but it won't happen overnight. I think the Peace Corps would actually be a way to help me do so... So what are my chances of getting in? What do I need to do to improve them? more

Resolved Question: Would you want your young kids to join Obama's Youth Brigade?

HR 1388. The Bill was sponsored by Rep. Carolyn McCarthy (D-NY) with 37 others. The Bill was introduced to the floor of the House of Representatives where both Republicans and Democrats voted 321-105 in favor. Next it goes to the Senate for a vote and then on to President Obama. This billâ€™s title is called â€œGenerations Invigorating Volunteerism and Educationâ€ (GIVE). It forms what some are calling â€œObamaâ€™s Youth Brigade.â€ Obamaâ€™s plan is require anyone receiving school loans and others to serve at least three months as part of the brigade. His goal is one million youth! The Bill would forbid any student in the brigade to participate in â€œengaging in religious instruction, conducting worship services, providing instruction as part of a program that includes mandatory religious instruction or worship, constructing or operating facilities devoted to religious instruction or worship, maintaining facilities primarily or inherently devoted to religious instruction or worship, or engaging in any form of religious proselytization.â€ That means no church attendance or witnessing. I will give the source after this posts. http://www.thevoicemagazine.com/politics/512-obama-youth-brigade-church-attendance-forbidden.html more

Resolved Question: Does the government subsidize student loans for new teachers?

For example. If I get a degree in education, then go teach in high demand area where there aren't many teachers (inner city or rural area), are there any government programs that will subsidize my student loans? more

Voting Question: Where can I find grant money to continue to pay for my MFA education?

I'm a painter and I've run out of money to fund my second year of an MFA program at a school that has only just been accredited which means that I can not yet take out bank loans as I did for my undergraduate education...I'm wondering if anyone knows of any foundations or organizations out there that could help me. more

Resolved Question: Do big banks like C H A S E & Bank of America give to A C O R N? Will you close your accounts?

Mortgage Counseling. Chase provides funds to mortgage counseling agencies to help borrowers qualify for a mortgage loan and understand the mortgage process. In 2007, Chase provided more than $7.3 million in philanthropic grants to support financial education programs and initiatives, $2.4 million of which was for mortgage counseling. Organizations receiving funding included ACORN Housing Corporation, Raza Development Fund and NHS of NYC. http://www.businessandmedia.org/articles/2009/20090203060343.aspx But, this latest indiscretion has gone unnoticed by the media â€“ a donation in the amount of $2 million to the ACORN (Association of Community Organizations for Reform Now) Housing Corporation of Chicago, according to a document posted on Bank of America corporate philanthropy Web site â€“ which shows the bank had given the total amount in grant money from October 2007 through June 2009. more

Resolved Question: I'm 25, can I still become a doctor?

I'm 25 years old. I made mistakes in the past regarding school and pretty much everything else. Now I want to turn my life around and focus on myself and my future but I don't know if it's still possible for me to become a doctor. To summarize the big events that happened in my life: I was 2nd in class when I graduated Middle School, I maintained a 3.5 or higher GPA when I graduated high school then met my "supposed" dream girl so when I got to college, I ended up going to a Community college. I took a half-assed "degree" and I didn't do very well, meaning I dropped every single one of my classes. My GPA is probably a 1.0 because I prioritized another person rather than myself. I'm on academics probation. Not only did I not get a proper education (No degree) but my credit is also ******** (having a gf is expensive and those loans I took out for school). Now I know I made mistakes but I want to start over. This my plan: I applied at another Community College for the Licensed Practical Nursing Program, after that, I plan to take the bridge program to RN then possibly get my bachelors after that and then take the MCATs and classes I will need to go on to Med School. Is it possible for me (with my age and even with my credit score being so low) to become a doctor especially with the situation I'm in? I'm looking at this very realistically and I would appreciate honest answers. Thank you. more

Resolved Question: How successful has Obama/communists/liberals/democrat party been at lying to the American public?

List of commie/democrat goals: 1. U.S. acceptance of coexistence as the only alternative to atomic war. 2. U.S. willingness to capitulate in preference to engaging in atomic war. 3. Develop the illusion that total disarmament [by] the United States would be a demonstration of moral strength. 4. Permit free trade between all nations regardless of Communist affiliation and regardless of whether or not items could be used for war. 5. Extension of long-term loans to Russia and Soviet satellites. 6. Provide American aid to all nations regardless of Communist domination. 7. Grant recognition of Red China. Admission of Red China to the U.N. 8. Set up East and West Germany as separate states in spite of Khrushchev's promise in 1955 to settle the German question by free elections under supervision of the U.N. 9. Prolong the conferences to ban atomic tests because the United States has agreed to suspend tests as long as negotiations are in progress. 10. Allow all Soviet satellites individual representation in the U.N. 11. Promote the U.N. as the only hope for mankind. If its charter is rewritten, demand that it be set up as a one-world government with its own independent armed forces. (Some Communist leaders believe the world can be taken over as easily by the U.N. as by Moscow. Sometimes these two centers compete with each other as they are now doing in the Congo.) 12. Resist any attempt to outlaw the Communist Party. 13. Do away with all loyalty oaths. 14. Continue giving Russia access to the U.S. Patent Office. 15. Capture one or both of the political parties in the United States. 16. Use technical decisions of the courts to weaken basic American institutions by claiming their activities violate civil rights. 17. Get control of the schools. Use them as transmission belts for socialism and current Communist propaganda. Soften the curriculum. Get control of teachers' associations. Put the party line in textbooks. 18. Gain control of all student newspapers. 19. Use student riots to foment public protests against programs or organizations which are under Communist attack. 20. Infiltrate the press. Get control of book-review assignments, editorial writing, policymaking positions. 21. Gain control of key positions in radio, TV, and motion pictures. 22. Continue discrediting American culture by degrading all forms of artistic expression. An American Communist cell was told to "eliminate all good sculpture from parks and buildings, substitute shapeless, awkward and meaningless forms." 23. Control art critics and directors of art museums. "Our plan is to promote ugliness, repulsive, meaningless art." 24. Eliminate all laws governing obscenity by calling them "censorship" and a violation of free speech and free press. 25. Break down cultural standards of morality by promoting pornography and obscenity in books, magazines, motion pictures, radio, and TV. 26. Present homosexuality, degeneracy and promiscuity as "normal, natural, healthy." 27. Infiltrate the churches and replace revealed religion with "social" religion. Discredit the Bible and emphasize the need for intellectual maturity which does not need a "religious crutch." 28. Eliminate prayer or any phase of religious expression in the schools on the ground that it violates the principle of "separation of church and state." 29. Discredit the American Constitution by calling it inadequate, old-fashioned, out of step with modern needs, a hindrance to cooperation between nations on a worldwide basis. 30. Discredit the American Founding Fathers. Present them as selfish aristocrats who had no concern for the "common man." 31. Belittle all forms of American culture and discourage the teaching of American history on the ground that it was only a minor part of the "big picture.& Give more emphasis to Russian history since the Communists took over. 32. Support any socialist movement to give centralized control over any part of the culture--education, social agencies, welfare programs, mental health clinics, etc. 33. Eliminate all laws or procedures which interfere with the operation of the Communist apparatus. 34. Eliminate the House Committee on Un-American Activities. 35. Discredit and eventually dismantle the FBI. 36. Infiltrate and gain control of more unions. 37. Infiltrate and gain control of big business. 38. Transfer some of the powers of arrest from the police to social agencies. Treat all behavioral problems as psychiatric disorders which no one but psychiatrists can understand [or treat]. 39. Dominate the psychiatric profession and use mental health laws as a means of gaining coercive control over those who oppose Communist goals. 40. Discredit the family as an institution. Encourage promiscuity and easy divorce. 41. Emphasize the need to raise children awa Internationalize the Panama Canal. Repeal the Connally reservation so the United States cannot prevent the World Court from seizing jurisdiction [over domestic problems. Give the World Court jurisdiction] over nations and individuals alike. Create the impression that violence and insurrection are legitimate aspects of the American tradition; that students and special-interest groups should rise up and use ["]united force["] to solve economic, political or social problems. more

Resolved Question: Question About Enlistment benefits?

I enlisted in the US Army Reserves back in September 2008. I have been in the Delayed Entry Program for about eight months and will be shipping to basic in June 2009. I have a few questions. I have talked to my recruiter but I would like someone else to give me information. First of all, how does the Student Loam Repayment Program for the Army Reserves work? I did some research and it says that it will only pay loans that have been incurred before you enlisted, but my recruiter says that it will repay any loans that I incure while I am enlisted. So my question is, When I come back from Basic and AIT and take out loans to pay for my college education, will it be repayed by the Program? My recruiter is also telling me that I am now eligible for my benefits. My understanding is that I will be eliglble for them when I comeplete AIT, but he says that I am eligible for them if I have been in the Delayed Entry Program for more than six months. So is he correct or not? Please give me links to sites and Army Regulations that discusses these subject matters so I can have concrete proof, Thank You. more

Resolved Question: Spiritually Speaking -- what should I study going back to college?

In 1994, I left college, but was still allowed to go through graduation ceremonies, some hours short of completion. Now that I see it, I have basically 30 hours or a full year of undergrad left. I really wrangled my way into the line for grad. Naturally I never got a diploma for my empty folder. But, my whole family thought I had graduated. I have worked as a freelance writer, holding myself out as having a degree in English. I got 2 books published 4 and 8 years ago, I have published articles, blogs and business and grant proposals. I have done mission trips and ministry work with my writing, and am up for a major journalism fellowship (I did not pretend to have a degree on that application). Lately, I have felt very guilty about pretending to have a degree when I don't. Due to serious illness in our family, the construction and publishing markets (my husband's and my work) and a variety of other factors I'm not going to detail here, our family is on welfare right now. As a bit of background, I have not been offered a full time job in five years in spite of my best efforts. I get part time jobs easily and freelance writing jobs easily -- they just don't pay enough for us to pay our bills. My husband (who remodels houses but doesn't charge near enough to support us) and I have to cooperate with the job placement plan in order to keep getting welfare. It's not that the few hundred dollars is such a big deal, but under the program, and since I don't have outstanding student loans, I can go back to school and finish my degree with distance learning through a university about 40 miles from here. I can take online classes or some classes at a center in my town. It will actually take about 2 years because I have to earn 45 hours at this new school to graduate from it. This program offers adult learners courses at the upper undergrad levels and counts whatever coursework you've done to meet the core education requirements. You have to have completed 60 hours to get in and I've completed 98. Here are possible majors available to me: 1. English. Pro: it was already my major and I have a lot of work done in it. Con: I don't see how it will get me farther than I am now. I'm already a published author and journalist and not making enough money at it. I can already get hired for writing jobs based on my talent -- not to brag, it's just a fact. 2. Psychology -- Pro: I like people and helping others. Con: I have absolutely no hours in psychology right now and would have to start with Psych 101. Like all of these, I have the educational core done, but would have to take a bunch of psych and other social science courses. 3. Business administration. I do have nonprofit experience but my lack of degree has kept me from ever getting a job with it. I have no interest in business courses, I'm bad at math, possibly too chaotic for accounting, but I would make more money I think. 4. Teaching certification -- I would go for secondary English. Pro: very easy for me to finish up and possibly steady work that I'd enjoy. Con: Our local school district cut a bunch of teachers this year and I don't want to uproot the kids. I quit the teaching unit when I was at uni before because I didn't think I would be the best teacher. 5. organizational management -- like bus admin but less accounting and other drudgery. Might help me grow my writing business or get a job with a cool organization. What's your advice? Hope it wasn't too long. I tried to break it up into a lot of paragraphs. Thanks! more

Resolved Question: Finishing my degree -- which major?

Resolved Question: What should I major in to finish my degree?

Resolved Question: A better proposal for student loans?

Tell me what you think -- would this be a fairer way to handle student loans? Federal government provides $15,000 a year student loans to each citizen, and permanent residents, in exchange for their lifetime commitment to pay an additional 1% income tax. A student who takes the loans for four years would then pay an added 4 percent income tax for life, and someone who goes to law school, taking three added years, would pay 3 percent on top of his/her repayment obligation for undergradaute school. Same eligibility rules for schools as we presently have. "Need" by student does not have to be proven, just proper enrollment and citizenship. Student loans would not be affected by bankruptcy. If you get married, the average student loan tax rate then applies to the total income of the family. In addition, student loan tax rate applies to your estate [on top of regular estate taxes, if any are due]. {and yes, persons who later leave the US are still liable for this added tax -- they agreed, after all.} Program to be entirely funded by the Treasury, which issues the usual bonds to provide funding. All required paperwork to be handled by the college financial aid officers, the IRS, and the Dep't. of Education. *** I submit that this program would be cheap to operate, self-funding in the long run, and completely non-discriminatory. Any improvements or thoughts? Maxwell -- the higher tax is for life. In effect, this requires the student who is extraordinarily lucky [the one who becomes a CEO] to subsidize the education of his employees who didn't become CEO. There is no individual account as such, so it can't be "paid off". Lots less record keeping that way, too. more

Resolved Question: I am 22 years old and support myself. FAFSA and parent problems!?

I am 22 years old and currently living in New Mexico as of 8 months ago. My hometown is Greenville, SC, to which I am moving back to in June to try and enroll in the nursing program at a local technical college. I have been trying to get a degree for the past 4 years. I believe I am still a transferring sophomore, because I cannot afford to pay for school. I have been supporting myself for the past 2 years and each semester when it comes time to fill out my FAFSA, I prepare for the most stressful part of my entire year. My parents have been divorced for about 7 years and my mother is remarried. Her new husband, whom I hardly know, does not divulge his finances to my mother, nor would he even imagine to give up that information to me for my FAFSA. This puts me in a gut-wrenchingly stressful situation. I honestly feel discriminated against. I usually cannot use my father's tax information because he always files an extension and by the time he does his taxes, if he even does (he got audited by the IRS this year) it would be too late. I have spoken with FAFSA help over the phone numerous times pleading my case and no one seems to hear or want to listen. It frusterating beyond words that I should have to list my parents financial information when I am a grown adult fully supporting herself--and they would attest to this! My father even mentioned sueing the governement for a violation of civil rights. This year I had to project my father's income even though he has not filed his taxes yet in order to fill my FAFSA out. (because I could not use my mother's information, since I do not know her husband's finances) My prospective school sent me an email stating that I now need to send a signed copy of my father's taxes and W-2 forms, which he has not even filed yet! So now I might have given up the chance of being accepted for this coming fall because I must wait on my father to come up with the money he needs to pay his CPA to file his taxes and then get the results. By that time their programs are likely to be filled up. And as a student wanting nothing more than to be enrolled full time in school, I feel there is nothing more I can do but wait for the day that I turn 24. I should also mention that I am paying for my education entirely myself and am not beggin for government money. I am fully prepared to take out my thousands of dollars in student loans, but now because of FAFSA I might not even have the opportunity for school this fall semester. I have been running into the same brick wall for four years now (two of which I have been a dependant, not claimed on either parents' taxes, and self supporting) Is there any way of getting my story out there and having something done about this? I know I am not the only one. If there is any information or resources that might be useful to me, I would appreciate that so much. -Shari more

Resolved Question: where can I find a list of lenders for a private student loan?

I am a grad student in San Francisco and am trying to get funding for a study abroad program that I am going to this summer. the total cost break down includes: All lodging while in Italy All transportation while in Italy Roundtrip Airfare â€“ SFO â€“ Rome All day trips and excursions including bus transportation All train fares All museum fees Student Information Packet Classroom Fees ISIC student card ( International student discount card) Liability Insurance Coverage for each student Temporary medical insurance and 24 hour emergency care assistance and with tuition, everything comes out to $15,920 I tried to go through Sallie Mae (whom I have my other student loans with) but my finacial advisor will only approve about 1/2 the requested amount because they think it is "irresponsable" to use education money on plane tickets and and medical insurance (even though it is for education purposes) Yes, it sounds rediculous to me too and I have tried to fight it, but they are standing firm. So I tried going through Wells Fargo. They have a student loan that does not need to be certified by the school and it comes directly to the student. However, the denied me becasue of my already high outstanding student loan amounts. So my question is, are there any other lenders out there that have a private student loan, that does NOT need to be certified through the school - and that will approve you even if you have an already high balence of student loans? Thank you! more

Resolved Question: Who thinks is a good idea?

This is a pretty smart idea in my opinion!!! Zeroties Ze â€¢ rot â€¢ ies Â· This decade (2000-2009) needs a name and Zeroties is it. Â· Like the Twenties, Thirties, Forties, Fifties, Sixties, Seventies, Eighties, and Nineties, Zeroties follows the pattern. Â· Zeroties is up against one other candidate name â€“ Aughties/Oughties. This British word â€œaughtâ€ means zero and does not appeal to Americans. (As a hidden bonus, when you say Zeroties you hear â€œAughtiesâ€ in the middle.) Â· Zeroties makes sense because zero has been a very dominant idea and word in this decade. Â· Zeroties â€œsaysâ€ zero ties the decade togetherâ€¦ â€¦and it really does. Â· Once everyone sees the need for and usefulness of the word Zeroties, it will win their hearts and minds. Â· ZERO has my hero ever since School House Rocks declared it so. Ever since kindergarten, zero has rolled off our rounded lips. Â· Zero is both the lowest and the mightiest number. It is a value of none, but it makes the place-value system work. 1 is 1 until 12 zeros follow it. Then it jumps all the way to a Trillion 1,000,000,000,000 Wow! That is going to be a â€œlooo,ooo,ooo,oootâ€ to pay back. Y2K (Year 2000)(The world panicked about how computer programs would crash because they did not have four spaces for dealing with years. Computers would register the year 2000 as 00 and think it is before 1999, which they recorded as 99.) Zero major world crisis caused by Y2K Zero airplanes in the air on New Yearâ€™s night for most airlines Since there is no year 0 in the calendar, the new millennium didnâ€™t even start on January 1, 2000â€¦feeling duped we learn it starts on January 1, 2001 Ground Zero -- The catastrophe of the 9/11(01) â€“ The anchor of this decade and this proposal Zero Tolerance Policies â€“ get IUâ€™s Bobby Knight fired and Swiss Army knife carrying Kindergarteners expelled Eats, Shoots & Leaves: The Zero Tolerance Approach to Punctuation -- blockbuster book published in 2003 Marine â€œmottoâ€ Leave No Man Behind goes to education No Child Left Behind Zero percent â€“ the US household savings rate in 2005 and 2006 Zero Grams of Sugar rather than Sugar Free CokeZero (and Pepsi One â€“ how perfect for the digital age)â€¦Coke runs commercials about how CokeZero steals the recipe of Coke Diet Pepsi packaging â€“ 0 Cal Carb Sug Zero Calorie Sweetener â€“ Pure Via Zero Down â€¦ Zero Interest â€¦ Zero Payments Zero, Zero, Zero Sales by GM â€¦and everyone else â€œHurricane Katrina Zeros in on New Orleansâ€ â€“ as many stories read Zero Calories Zero Grams of Fat Zero Grams of Trans Fat â€“ from McDonaldâ€™s fries to Girl Scout cookies 0.???? second Google searches 16-0 Patriots (2007) 0-16 Lions (2008) Oprah O Magazine, Obama O Logo The Oval is the logo shape of the decade â€“ look at car company logosâ€¦ Zero Weapons of Mass Destruction found Michael Phelps wins his 7th of 8 Gold Medals by .01 secondsâ€¦effectively zero Chinese Olympics â€œBirdâ€™s Nestâ€ a big Zero Zero percent net gain for the NY Stock Market from 1998 to 2008 Zero new large malls built in America in 2007, 2008, and 2009 Zero or No Income Verification Loans Zero principal payment loans Zero Degrees â€“ or a Credit Freeze Zero Dollar is mockingly passed out on Wall Street Zero International banks willing to make inter-bank loans at the global inter-bank clearinghouse in New York City at the height of the meltdown -- this was the official credit freeze 10/10/2008 â€“ this bank-to-bank loan exchange is in-between Ground Zero and Wall Streetâ€¦which are themselves less than 10 blocks apart --- â€œEconomic Ground Zeroâ€ Salary Freezes â€“ Home Depot leads the way Zero raises in many governments Pay freeze for top 100 White House Officials Digital TV (Digital information is all coded as Zeroâ€™s and Oneâ€™s) â€“ digital everything â€“ binary bliss 2009 in binary is 00110010001100000011000000111001 Zero Percent Federal Funds rate â€“ many things in the list like this, insiders would see as rare absurdities Already with no calories, Diet Mountain Dew changes its label from â€œLow Calorieâ€ to Zero Calories NASAâ€™s new fascination is studying Dark Matter -- the nothing in outer space Zero Environmental Footprint Zero Carbon Emissions Zero Pollution Restaurant growth may be below 1% (or 0%) for the first time since it was measured in 1970 For a time Citi (Citigroup/Citibank) â€“ Citibank was the USâ€™s largest bank in May 2008 and Citigroup is the worldâ€™s largest financial network -- trades on Wall Street for less than a dollar $0.?? ... â€¦threatening its listing status 41 Companies trimmed or eliminated their dividends by $40 Billion â€“ Blue Chip Stocks with Zero dividends? â€¦ GE, JP Morgan, Dow Chemical Treasury Bills sold for â€œZeroâ€ percent returns â€“ during the global economic collapse foreigners battle to bu more

Resolved Question: Should I go to college even though loans are a killer?

Right now I'm currently attending Everest College and am enrolled in the Medical Administrative Assistant program. I've taken a few back office programs in high school through the ROP program and I thought that wasn't really what I wanted to do. So i thought maybe Clerical work would be better for me. It's alright, but now that I'm here I'm having strong thoughts on continueing my education when I graduate in October, and going to school for LVN or RN. But I'm scared of the amount of loans I'm going to have to pay back. I already have 10 thousand I have to pay back monthly over the next 10 years. And I'm scared my loans are going to get so high I wont be able to pay it off. =( But this is somethig I'm thinkin I really want to do. but I'm not sure. Any advice? more

Resolved Question: Should I continue my education?

Resolved Question: Corrections and reading proof please! 10 points?

Todayâ€™s speaker was captain Cesar Meneses . The first one the whole family to attend college and graduate. Capitan Menese joined the Mercer County Community College Aviation Program back in the 90s and finished the program in four years, due to the on and off from the program because of shortage in financial funding to his school tuitions and flight costs. His mother was a big support to his education by providing all the loans he needs to finish the program .In the end it was just a matter of time and money to make the graduation event happened. After long period of time from hard work and determination Capitan Meseses start flying charter flights out of North Philadelphia as entry level job. Captain Meneses was lucky to get a job interview with Centennial Express; he was appointed First Officer for four years. Recently he was promoted to captain, he been working for the same airliner for two years as a captain. His future job outlook is flying international routes and getting different type ratings on different jets .He preferred Airliner over privet and charter , because the stability of scheduled flights ; on the other hand where corporate and charter flights doesnâ€™t have a set of schedule for flights and pilots on calls all the time . One his last words at the end of his speech today was , whenever you go for an airline job interview as a pilot add touch of personality in your job interview ; itâ€™s means whole lot to the airliner in evaluating new pilots . I can see lots of similarity here to my situation as going through almost same events he went through ; coming from uneducated family background and considering being the first through four generations in my whole family to attend college ever not only that but on top of that choosing career in Aviation program to be a pilot. Trying to work and go to college at the same time changing my days to night and my nights to days, missing all the fun times in my life for the sake of bringing the dream of being the first to go and graduate college beside becoming a pilot to fly 747 into reality is going to be worth it at the end. I can see great future coming up coming up, and itâ€™s just a matter of trying hard and never giving up. more

Resolved Question: Just need these last questions?

I would greatly appriciate it if you guys could help me out. i only have these last questions left.....thanks Which of these is considered a benefit of a quality child care program? A. The child learns to get along with adults and children outside of the nuclear family. B. The child develops a closer relationship with the mother. C. The child becomes more attached to the outside caregiver than to the immediate family. D. The child becomes more dependent on adults outside of the family. Two forces that greatly altered child care in the United States in the nineteenth century were the A. Great Depression and the Lanham Act. B. founding of Montessori and the formation of the National Association for Nursery Education. C. large flow of immigrants and the rise of industrialization. D. work of Bank Street College and the Merrill Palmer Institute. Two important activities will help to form your child care program design. One activity is studying your program materials and the other is A. babysitting friends' or relatives' children. B. observing child care facilities. C. reading additional books on child care. D. volunteering to help with kindergarten classes An orientation session in a day care center is one in which a new family A. briefs the staff on the latest child care methods. B. is made familiar with the center. C. answers questions concerning their experiences. D. explains their program philosophy. Family day care accounts for ______ of the full-time child care given outside of a child's family. A. 15 percent B. 20 percent C. almost 25 percent D. over 80 percent Which one of the following would require the most frequent verbal or written communications with parents? A. An explanation of the facility's program B. Referral to special services C. An explanation of the facility's goals D. Achievements of and changes in a child As a caregiver, being a good neighbor means A. cleaning up litter in the neighbor's yard. B. caring for your neighbor's child. C. keeping your facility in good condition. D. loaning things to your neighbor. Planning an annual budget is an important requirement for A. meeting licensing requirements. B. being financially sound. C. providing a safe and healthy environment. D. managing staff. Dorothy decides that she would like to open and operate a day care facility in her neighborhood. As a result of questions and surveys, she determines a day care center is just what her town should have. She and her husband figure what it will cost to start and keep the center going. She then decides on activities, and finds and trains several assistants. What important step has Dorothy overlooked? A. Determining the need for a center B. Determining and complying with licensing requirements C. Developing a program D. Determining and meeting start-up and maintenance costs more

Resolved Question: Am I considered an undergrad for Federal Student Loan programs if I'm pursuing a 2nd degree?

I have a BSED in Secondary Education, but...really want to switch careers. I'm considering a 6 month degree in Pasty at The French Pastry School in Chicago. I'm stressing about the financial strain during the transition though. Should I be covered under the Federal Stafford loans? more

Voting Question: Why isn't being a communist ILLEGAL? They want to take over the world!?

Have you seen their list of current goals? CURRENT COMMUNIST GOALS 1. U.S. acceptance of coexistence as the only alternative to atomic war. 2. U.S. willingness to capitulate in preference to engaging in atomic war. 3. Develop the illusion that total disarmament [by] the United States would be a demonstration of moral strength. 4. Permit free trade between all nations regardless of Communist affiliation and regardless of whether or not items could be used for war. 5. Extension of long-term loans to Russia and Soviet satellites. 6. Provide American aid to all nations regardless of Communist domination. 7. Grant recognition of Red China. Admission of Red China to the U.N. 8. Set up East and West Germany as separate states in spite of Khrushchev's promise in 1955 to settle the German question by free elections under supervision of the U.N. 9. Prolong the conferences to ban atomic tests because the United States has agreed to suspend tests as long as negotiations are in progress. 10. Allow all Soviet satellites individual representation in the U.N. 11. Promote the U.N. as the only hope for mankind. If its charter is rewritten, demand that it be set up as a one-world government with its own independent armed forces. (Some Communist leaders believe the world can be taken over as easily by the U.N. as by Moscow. Sometimes these two centers compete with each other as they are now doing in the Congo.) 12. Resist any attempt to outlaw the Communist Party. 13. Do away with all loyalty oaths. 14. Continue giving Russia access to the U.S. Patent Office. 15. Capture one or both of the political parties in the United States. 16. Use technical decisions of the courts to weaken basic American institutions by claiming their activities violate civil rights. 17. Get control of the schools. Use them as transmission belts for socialism and current Communist propaganda. Soften the curriculum. Get control of teachers' associations. Put the party line in textbooks. 18. Gain control of all student newspapers. 19. Use student riots to foment public protests against programs or organizations which are under Communist attack. 20. Infiltrate the press. Get control of book-review assignments, editorial writing, policymaking positions. 21. Gain control of key positions in radio, TV, and motion pictures. 22. Continue discrediting American culture by degrading all forms of artistic expression. An American Communist cell was told to "eliminate all good sculpture from parks and buildings, substitute shapeless, awkward and meaningless forms." 23. Control art critics and directors of art museums. "Our plan is to promote ugliness, repulsive, meaningless art." 24. Eliminate all laws governing obscenity by calling them "censorship" and a violation of free speech and free press. 25. Break down cultural standards of morality by promoting pornography and obscenity in books, magazines, motion pictures, radio, and TV. 26. Present homosexuality, degeneracy and promiscuity as "normal, natural, healthy." 27. Infiltrate the churches and replace revealed religion with "social" religion. Discredit the Bible and emphasize the need for intellectual maturity which does not need a "religious crutch." 28. Eliminate prayer or any phase of religious expression in the schools on the ground that it violates the principle of "separation of church and state." 29. Discredit the American Constitution by calling it inadequate, old-fashioned, out of step with modern needs, a hindrance to cooperation between nations on a worldwide basis. 30. Discredit the American Founding Fathers. Present them as selfish aristocrats who had no concern for the "common man." 31. Belittle all forms of American culture and discourage the teaching of American history on the ground that it was only a minor part of the "big picture.& Give more emphasis to Russian history since the Communists took over. 32. Support any socialist movement to give centralized control over any part of the culture--education, social agencies, welfare programs, mental health clinics, etc. 33. Eliminate all laws or procedures which interfere with the operation of the Communist apparatus. 34. Eliminate the House Committee on Un-American Activities. 35. Discredit and eventually dismantle the FBI. 36. Infiltrate and gain control of more unions. 37. Infiltrate and gain control of big business. 38. Transfer some of the powers of arrest from the police to social agencies. Treat all behavioral problems as psychiatric disorders which no one but psychiatrists can understand [or treat]. 39. Dominate the psychiatric profession and use mental health laws as a means of gaining coercive control over those who oppose Communist goals. 40. Discredit the family as an institution. Encourage promiscuity and easy divorce. 41. E more

Resolved Question: Why are we not doing anything to repeal the invasion of communists towards A COMMUNIST AMERICA!!?

Goals of the communists: 1. U.S. acceptance of coexistence as the only alternative to atomic war. 2. U.S. willingness to capitulate in preference to engaging in atomic war. 3. Develop the illusion that total disarmament [by] the United States would be a demonstration of moral strength. 4. Permit free trade between all nations regardless of Communist affiliation and regardless of whether or not items could be used for war. 5. Extension of long-term loans to Russia and Soviet satellites. 6. Provide American aid to all nations regardless of Communist domination. 7. Grant recognition of Red China. Admission of Red China to the U.N. 8. Set up East and West Germany as separate states in spite of Khrushchev's promise in 1955 to settle the German question by free elections under supervision of the U.N. 9. Prolong the conferences to ban atomic tests because the United States has agreed to suspend tests as long as negotiations are in progress. 10. Allow all Soviet satellites individual representation in the U.N. 11. Promote the U.N. as the only hope for mankind. If its charter is rewritten, demand that it be set up as a one-world government with its own independent armed forces. (Some Communist leaders believe the world can be taken over as easily by the U.N. as by Moscow. Sometimes these two centers compete with each other as they are now doing in the Congo.) 12. Resist any attempt to outlaw the Communist Party. 13. Do away with all loyalty oaths. 14. Continue giving Russia access to the U.S. Patent Office. 15. Capture one or both of the political parties in the United States. 16. Use technical decisions of the courts to weaken basic American institutions by claiming their activities violate civil rights. 17. Get control of the schools. Use them as transmission belts for socialism and current Communist propaganda. Soften the curriculum. Get control of teachers' associations. Put the party line in textbooks. 18. Gain control of all student newspapers. 19. Use student riots to foment public protests against programs or organizations which are under Communist attack. 20. Infiltrate the press. Get control of book-review assignments, editorial writing, policymaking positions. 21. Gain control of key positions in radio, TV, and motion pictures. 22. Continue discrediting American culture by degrading all forms of artistic expression. An American Communist cell was told to "eliminate all good sculpture from parks and buildings, substitute shapeless, awkward and meaningless forms." 23. Control art critics and directors of art museums. "Our plan is to promote ugliness, repulsive, meaningless art." 24. Eliminate all laws governing obscenity by calling them "censorship" and a violation of free speech and free press. 25. Break down cultural standards of morality by promoting pornography and obscenity in books, magazines, motion pictures, radio, and TV. 26. Present homosexuality, degeneracy and promiscuity as "normal, natural, healthy." 27. Infiltrate the churches and replace revealed religion with "social" religion. Discredit the Bible and emphasize the need for intellectual maturity which does not need a "religious crutch." 28. Eliminate prayer or any phase of religious expression in the schools on the ground that it violates the principle of "separation of church and state." 29. Discredit the American Constitution by calling it inadequate, old-fashioned, out of step with modern needs, a hindrance to cooperation between nations on a worldwide basis. 30. Discredit the American Founding Fathers. Present them as selfish aristocrats who had no concern for the "common man." 31. Belittle all forms of American culture and discourage the teaching of American history on the ground that it was only a minor part of the "big picture.& Give more emphasis to Russian history since the Communists took over. 32. Support any socialist movement to give centralized control over any part of the culture--education, social agencies, welfare programs, mental health clinics, etc. 33. Eliminate all laws or procedures which interfere with the operation of the Communist apparatus. 34. Eliminate the House Committee on Un-American Activities. 35. Discredit and eventually dismantle the FBI. 36. Infiltrate and gain control of more unions. 37. Infiltrate and gain control of big business. 38. Transfer some of the powers of arrest from the police to social agencies. Treat all behavioral problems as psychiatric disorders which no one but psychiatrists can understand [or treat]. 39. Dominate the psychiatric profession and use mental health laws as a means of gaining coercive control over those who oppose Communist goals. 40. Discredit the family as an institution. Encourage promiscuity and easy divorce. 41. Emphasize the need to raise children away from more

Resolved Question: Is my retired father a bad candidate for a student loan co-signer?

I am applying for an expensive school loan. I need about 77K to pay for this program I am enrolled in. While my credit seems to be in good standing, with a loan this big I am told there's a 90% chance I will need a co-signer. The problem is that I really have no one to lean on in terms of a co-signer. All of my siblings have worse credit than me, & I don't have a mother. The only person this leaves is my father, who lives many states away and is retired. I'm not sure how well his credit is, and I am afraid to ask him because he hasn't really been in my life much at all, but I think he might have a good credit score. Before I get the guts to ask him, I need to know if this will even help me at all. Would a bank even want an old retired man as a co-signer? Even if he has good credit, I wonder if his fixed income would pose a problem. Please, anyone with information help me out. I don't want to call and stress him out if I don't have to, But I also want my education! more

Resolved Question: How many loan forgiveness programs are there in obtaining a Masters Degree in Teaching or Education?

How many loan forgiveness programs are there in obtaining a Masters Degree in Teaching or Education? I'm interested in programs that offer a Masters Degree in exchange for teaching in public school after degree completion.I'm an American with a BA in History and currently teach in a university in China. more

Resolved Question: Tulane or LSU for Business?

I got into a number of colleges this year, but have narrowed things down to two choices. I plan on majoring in business (with an international concentration), and cost is the main issue for my family, but my parents also want me to get the best education possible. Here are my options: a) Go to the honors college at my state flagship, Louisiana State University, and pay $6,500 a year. My parents can cover this cost and there are a number of classes I can test out of and get credit for. LSU's business school is ranked 62 by the USNWR. Average starting salary for graduates is $47,000. b) Go to Tulane. I was admitted to the honors program, and received a good financial aid package considering the size of the school. I like New Orleans much more than Baton Rouge, but attending would involve me taking out $22,000 in Stafford loans over four years plus my parents would have to pay $10,000 a year. Tulane's business program ranks 54 in the USNWR, and there is no doubt a degree from there would hold more weight than one from LSU. Average starting salary for business graduates is $52,000, but as someone pointed out to me, the $5,000 difference from LSU means nothing because Tulane has more graduates taking jobs on the east coast where the cost of living is higher, so the difference isn't because of the better degree. Which should I pick? Is Tulane worth the extra cost over LSU? Are there other factors I am missing that I should consider in my decision? more

Voting Question: What can I do as a career when I don't have the education?

What can I do as a career? All my career test say that I should be a 'scientist'. But I don't have the education or the money to get one. Because I am 54 I do not want to go into debt by getting a loan. And though I have searched thoroughly I have not been able to find a scholarship and or workstudy program that would enable me to go back to school. what would be an alternative career path? PLEASE READ THE ENTIRE QUESTION! I am 54 years old. I have taken career testing..For both ability and interest. They show that I should be a 'scientist'. I have no resources to attend college...including scholarship even though I have looked extensively!! more

Resolved Question: Can I become a naval officer after graduating a 4-year degree program, attend OCS, and get loans repayed?

I'm currently in my senior year, and I've done some research. I know that NROTC or enlisting now would negate my college fees somewhat (and that the NROTC would lead to Ensign status upon graduation), but I wish to spend my four years of college as a civilian. However, the information I've found suggests the the Navy Loan Repayment Program only applies to Enlisted Personnel. Namely, from the Navy website: "For college students and graduates who qualify for the Loan Repayment Program (LRP), the Navy will pay for up to $65,000 of qualified loans acquired from a post-secondary education. To be eligible for this enlisted program the loan cannot be in default and it must be the applicantâ€™s first enlistment. The LRP is available to all active duty Navy ''''enlisted'''' positions!" Notice, "enlisted". Now, my question is: by going to Officer Candidacy School, do I no longer qualify for that loan? Actually, in addition to that, I should ask: the site mentions "qualifying" for the NLRP. Do I have to be from a financially challenged household or the like? Thanks in advance. more

Resolved Question: Questions for military wives/husbands who have gotten their degree while their spouse was active?

Just want to say thank you in advance. I know this is long but I have lots of questions. My husbands being deployed soon. I'm going to be moving back home and living with his parents so I can get help with our newborn. The baby will be born and then a month later he deploys. So I really want to be around family and he wants me down there. Now. I need to go to school so I can get a decent job. I really want to become a nurse. However, that schooling is two years long. So I've decided to wait until he comes back so I don't have to stop halfway through. Then I was looking into becoming an LPN...that schooling is a year long. So I'd have to stay down in FL for a few extra months. I don't really want to do that as my husband will be spending those months alone up in WA. I don't want to leave him up there alone. Especially sine he will just be getting back from deployment. He says he wouldn't mind, but this is our first deployment. So I know his feelings about that may change. So...I figured I'd go to school to become a phlebotomist (three months long) and just work while he is deployed so we can save more money. Then when he gets back go to school to become an LPN. Which will be a nice pay raise...then go to school to become an RN. I realize that this will take longer but I'd really like to become an LPN and get experience before I become an RN. My husbands mother stays at home and she said that she would love to watch the baby while I attend school or work. Which makes me feel good because I don't have to leave my child with some stranger. I can't take online classes because I need the classroom interaction. It's just how I am able to learn. OK. Now for my questions...there are a lot of them so if you can't answer all of them I completely understand. Can you get your degree even though your family is moving around so much? What are the day-cares like on base for when I return to WA? Does this plan make sense to you? Is it possible? Are there any kind of programs for military wives who are interested in nursing? I know they have one for wives who want to become teachers. Are there any specific loans or grants for military wives? I've googled it and a bunch of spam popped up... My husband says his GI Bill can cover some of my schooling. Is this true? Is this an appropriate topic to talk to the education center about? Or is the education center just for active duty persons? Are civilians allowed to draw blood in military hospitals or are all those people active duty military? more

Resolved Question: Is it possible to have the army pay for my education to become a physicians assistant?

All I've seen is their loan repayment plan, but I was wondering if they had some program that payed the six years tuition to become a PA in return to some sort of commitment for after I graduate. more

Resolved Question: Should I Go To Grad School or Straight to Work?

I am a senior in college who is graduating in May and recently have been accepted into a very prestigious Master's Degree program in Human Resources Management (Krannert School of Management, Purdue University). Obviously with the poor state of the economy, grad school seems like a good idea, but I can't help but wonder. Is it worth it to go on another 2 years and spend a significant amount of money on my education, or should I keep job-hunting? I am coming out of 4 years of college with only $6K in student loan debt, so I'm ahead of the financial game as it is. I would appreciate any advice or input on this matter!! Thanks. more

Resolved Question: Why does Jill Rose believe that illegals should not be held to the same laws as Americans?

For instance, an illegal arrives in America he has no SS# therefore are special privileges assigned to the illegal that we simply forgive the fact fake or stolen documents were in fact use to collect wages to secure work from this is normal documents needed to secure work but Ms Rose suggests we are to dismiss this aspect of what an illegal did and offer amnesty as the illegal just wanted a better life.Why Does Ms Rose blame Americans for the decision any illegal makes a point to use fraud and fake docuemts she claims well he paid taxes and SS therefore the fraud of the illegal is offset by the taxes and SS and furthermore Ms Rose believes any illegal who used true or untrue documents is entilted to SS payments ,since they paid into the system regardless of how they paid into it, the mere fact SS was paid by illegals under ,unlawful means still since they did pay with fake or stolen documents, they deserve any monies paid into SS even if 50 other illegals used the same number. Ms Rose feels the law is unjust therefore be it one fake or stolen SS number or a million , still these hardworkers deserve any monies paid in even to SS even if it means the true owner of the number will never get anything but again, Ms Rose believes ilegals come before Vets, before citizens, before children as the illegal with children their kids she is wanting a from them to have a free college education, as we all know, no illegal making pennies a day can afford college for his kid, but MS Rose is all for the dream act ,so illegals from any where in the world shall be give priority over American citizens living in Poverty including children, teens, vets her central concern is seeing to it illegal be considered for free loans and housing and Ms Rose blames Americans living in Poverty as lazy, unwilling to work and Ms Rose believes all these programs for Americans surely work in theory but what you see is not what you always will get. I challenge Ms Rose to list 30 things that illegals comply with the law that has them any illegal in good standing to collect entitlements even Americans cannot obtained.Is Ms Rose will to put Americans second as Ms Roase believes a higher payer is gilding her to help illegals as a test of faith.Waht do U think Melissa so illegal does not any documents to secure work ? Seems Ms Rose is a no show and cannot offer 30 reasons more

Resolved Question: What should I do about my upcoming college situation?

Hey everyone, thanks in advance for voicing your opinions and providing helpful suggestions that Yahoo! Answers always seems to give me.Let my start my story now. So I am an 18 year old only child Indian boy who is a senior at a college preparatory high school in Chicago, Illinois. I live with both my parents who in my opinion are some of the most hardcore Indian parents out there. They expect the best grades, highest respect, and zero room for error. Lets just say I'm not the cookie cutter outline of a "good' son in most aspects. I don't get into any real trouble, but the things I do really get my parents angry. Let start with my grades first. Coming from a school with a senior graduating class of 43, I'd say everyone is pretty smart. I myself have around a 90% numerical average and a 28 ACT (Everything was above a 30 except science, which was the death of me 3 times). Also I had notably gotten a 5 on my US History AP test and a 4 on my English Language AP. I am very involved in Debate(captain, national semifinalist) and so a variety of other activities associated and not associated with the school. Anyways, I had a pretty clear direction of what I wanted to be when I grew up as of July '08. After watching some surgeries, I knew I wanted to be some kind of doctor. Above other things, I wanted a medical degree. I then went on to find schools that were known for their education, but still provided a fun environment. I narrowed my choices down to a few places. In no particular order: Saint Louis University (10k a year academic scholarship), Loyola University Chicago, Marquette University (11k a year academic scholarship), and the University of Illinois Urbana (deferred early admission, wait listed regular admission). I applied to the Biology/Pre-Med programs of all the choices. Right off the bat U of I was my first choice, but after I got deferred, my parents got really angry and questioned my work ethic and maturity. "If I can't get into a state college, how am I ready for college?" What my parents failed to realize was competitiveness of the Biology program and the sheer multitude of applicants this year. Then they started screaming community college and waved it around me like that was my punishment for not pulling in grades that were acceptable to them. And at first I thought, maybe they were right, but after talking to some of my closest advisers I realized that 2 year at a community college would hinder my chances of later succeeding in a pre-med course at a 4 year college. So now the two school I am looking at are Marquette University and the University of Illinois. Both two schools where I could see myself for four years. It comes down to paying for it. I have the 11k academic scholarship for Marquette and am still waiting on the financial aid. I can be notified about my acceptance to U of I anytime by early June. My question is can I take out loans that will cover the rest of the costs without having my parents cosigning. Because all they say is that "Once you cant pay the loan and we cosign, we are responsible for them if you can't pay them" What loans can I take out by myself. How long do I have to pay them off? Will I have to pay them off before medical school or after. Any thoughts or ideas would be greatly appreciated. Thanks Again more

Resolved Question: What is he doing for the students?

I am very concerned after I read what Obama said about the financial aid for students. Because I'm trying to get into college but I can't do that if their is no financial aid for us. Here is what he said. The House measure also backs Obama's plans to essentially eliminate the federal guaranteed student loan program, replacing such loans with direct loans made by the Department of Education. The proposal would be advanced on a fast-track under the plan, which the Congressional Budget Office estimates would save $92 billion over 10 years that could be used to fund other aid to students. more

Voting Question: Should I go back to college?

I was hoping to get some unbiased advice here on a bit of a quandary I'm facing in my life.... I entered college when I was 18 to pursue a career in aviation (specifically, as an airline pilot). Flight training, for those who may now know, is extremely expensive - it quickly wiped out my savings as well as the money that my parent had saved for my education (even when taking the need-based financial aid into account). Due to this difficulty, I was forced to pursue outside work to meet the increasing costs of continuing my education and flight training. As time went on, my academic performance dwindled due to an inability to concentrate on academics w/ the full time+ job I was involved in at the time. I grew disheartened by my situation, but continued to take courses, though far fewer credits considering my work schedule. I dropped below full time, triggering repayment on two of the loans I had outstanding, which further exacerbated the financial hardship. If that wasn't enough, a condition with my sinuses caused my FAA medical certification to be revoked, thereby eliminating any chance of pursuing my original career path. The obvious course of action at the time was to withdraw from school, pursue more lucrative employment to repay a portion of my debt, and then return to pursue an alternate degree. I withdrew with 59 credits on my transcript and a 2.2 GPA (due mostly to the flight courses I failed since I couldn't complete them considering I had lost my medical certification) I'm currently 25 and have seen a reasonable degree of success in my current career field managing the production operations of a mid-sized factory. I feel I have some talent in this field - as such, I feel it would be advantageous for me to pursue a degree along these lines. The issue here lies in the course of action to take... Considering my poor academic performance towards the latter part of my previous college experience, do I even have a chance of being considered by ANY college? My SAT and ACT scores were relatively high in HS - would it make more sense to apply as a freshman to avoid having to work past this issue and abandon my previous credits? A contributing issue here is the fact that the program I'm specifically interested in seems to only be offered by fairly prestigious institutions (UPenn, U of Delaware). Do I have any chance at all here considering the schools that offer these programs are extremely competitive? Does my work experience have any bearing here? Thanks in advance for your advice. more

Education Loan Programs News

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Education has always been one of places hit most by economic downfalls. In an attempt to balance the budget, the governor has proposed cutting the Cal Grant program. While it is not official yet, the very proposal has drawn my attention to a mindset ...

Letter: Proposed budget cuts imperil state's future - Appeal-Democrat

So believes the incoming dean of Stanford University 's Graduate School of Business, Garth Saloner , who has been putting that principle at the core of the school's changing curriculum. "We need to look beyond the narrower issues of 'functional ...

New Stanford dean touts 'critical thinking' - San Francisco Gate

Lois Yost thinks she has seen enough demand among immigrants for higher education to warrant the building of a Chambersburg branch of Harrisburg Area Community College. Yost runs a program through Presbyterian Church of Falling Spring to help ...

Community college site sought for Chambersburg to help Hispanics with ... - Public Opinion

In one room, volunteers from the West End Neighborhood House give a seminar on financial management to a few dozen former autoworkers. In another corner, a pantry and two freezers hold food for those in need of an emergency supply. Lights are turned ...

As industry fades, the unknown awaits - Delaware Online

June 8-July 24: Registration for incoming kindergarten students. Parents must bring kindergarten students with them when submitting registration packets, along with a current picture. June 10 to July 8: Summer school for students who need additional ...

EDUCATION UPDATE - Guam Pacific Daily News

Student loans â€“ the thorn in my side, the burr under my saddle, the rock in my shoe and the monkey on my back â€“ you get the picture. Itâ€™s the bane of my existence. Donâ€™t get me wrong. While student loans are always on my mind, this financial ...

Sask. gets student loans right - Meridian Booster

Effective summer 2009, the Federal Direct Loan Program will ensure funding to students. The banks and the Financial Aid Program have decided to become synchronized, because of todayâ€™s economy. There are two federal student loan programs, the ...

Auburn Welcomes Direct Loan Policy - Auburn Plainsman

Last summer, when Nevada's economic troubles began to take a toll on the state budget, Assembly Speaker Barbara Buckley, D-Las Vegas, vowed she'd spend the next year working on dramatic reforms to the state's financial structure so lawmakers would ...

State budget troubles are far from resolved - Reno Gazette

Much of the year in education was centered on President Barack H. Obamaâ€™s agenda for higher and lower education. Any presidential turnover brings a host of fresh policies, but Obamaâ€™s were of special interest because of the high quality of ...

From Student Loans to School Uniforms - Harvard Crimson

HELENA - A lending group says that student loans will be available as usual this fall despite ongoing turbulence in the credit markets. The Montana Higher Education Student Assistance Corp. says that the Student Assistance Foundation and the Montana ...

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