Student Loans : Applying for US Department of Education Loans
The first feeling to do when applying for US Department of Education loans is to complete the FAFSA. Find out what awards a student is unwed for ...
The first feeling to do when applying for US Department of Education loans is to complete the FAFSA. Find out what awards a student is unwed for ...
For the last year, the Education Turn on and Congress have debated measures of "gainful employment" for graduates of for-profit vocational programs. And media outlets have competed for the most appropriate stories about unemployed liberal-arts graduates. But the question of whether higher education can be held leading for failing to warn would-be students about the poor job prospects of graduates may really be intriguing off with regard to law schools.
On Wednesday, a New York City law firm filed group actions against two law schools -- New York Law School and Thomas M. Cooley Law Train -- charging that the job placement information they released to potential students was sufficiently imperfect as to constitute fraud. Those suits follow a similar one filed in May against Thomas Jefferson University of Law. All of the suits argue that students were essentially robbed of the ability to make worth decisions about whether to pay tuition (and to take out student loans) by being forced to rely on incomplete and inaccurate job placement bumf. Specifically, the suits charge that the law schools in question (and many of their peers) mix together different kinds of livelihood (including jobs for which a J.D. is not needed) to inflate employment rates.
All three law schools revoke the charges. And Cooley has already filed a defamation suit against the lawyers suing it. But the case comes amid a broader debate over whether the American Bar Association and others are doing enough to further the release of accurate information, and whether there are too many law schools for the current job market.
While legal experts were still examining the lawsuits and were roughly not ready to weigh in on whether or not they will succeed, several said that the litigation points to longstanding problems with how job order has been tracked, and that changes currently under consideration are overdue.
"The fact that you have some serious genre action law firms filing suit should give anybody pause," said William D. Henderson, a professor of law and headman of the Center on the Global Legal Profession at Indiana University, and a frequent prime mover on job placement issues. "The whole industry hasn't released useful numbers for consumers," he said.
Henderson said that he strongly backed contemporary moves by the American Bar Association (likely to then be adopted by U.S. News & World Dispatch for its rankings) to shift from a standard of being employed nine months after graduation to being employed in a job for which a J.D. is needed. Those suing today (and those in brand-new years who were disappointed by their success at finding jobs) relied on statistics that didn't exclude those whose "jobs" were fellowships paid for by their law schools, who were in part-age or temporary jobs, or who were in jobs they could have gotten before they went to law school, he said.
Several years ago, Henderson started noticing and editorial about the seeming oddity that bar passage rates were declining at a time when law schools were reporting increases in trade of graduates. For this to be true, he speculated, more people were getting jobs that didn't command them to go to law school. "You are counting people who are selling insurance," he said. "Anybody can find a job to pay the lease."
The New Lawsuits
The new lawsuits are class actions on behalf of three graduates of New York Law Primary and four from Thomas Cooley. (Both are freestanding law schools.)
Jesse Strauss, one of the lawyers bringing the suits, said in a briefing for reporters Wednesday that he was not denigrating the excellence of the legal education provided by the law schools, and that he knew good lawyers who were graduates of each creation. But he said that the information about job placement rates was deceptive. "This is more like a feigned advertising claim than a product liability claim," he said.
Strauss said that the deceiving information about job placement rates is "distorting the market." With advance information, he said, some students wouldn't go to law school, and the population of new lawyers would contract.
The lawsuit charges that the schools' methods of reporting their placement rates gave would-be students an fallacious view of their likely outcomes.
"[T]he school during the class period claims that a sizeable majority of its graduates -- roughly between 75 and 80 percent -- unexposed employment within nine months of graduation. However, the reality of the situation is that these seemingly robust numbers involve any type of employment, including jobs that have absolutely nothing to do with the legal industry, do not be lacking a J.D. degree or are temporary or part-time in nature," the suit against Thomas Cooley says. "Rather, if Thomas Cooley was to peach the more pertinent employment statistic -- i.e., those graduates who have secured full-time, unchangeable positions for which a J.D. degree is required or preferred -- the numbers would drop dramatically, and could be well below 30 percent, if not even cut."
The suit against New York Law School states that it "blatantly manipulates" its hiring statistics (which suggest that 92 percent of last year's class is employed). The uniform says that the law school engages in numerous efforts to "pretty up" its statistics, such as including part-once upon a time work, and including the 5.6 percent of its employed graduates who are in temporary fellowships funded by the law teaching -- not in real jobs.
The law schools released statements that did not offer tally-by-point rebuttals of the suits, but defended the integrity of their statistics. "To the capaciousness the lawsuit challenges our post-graduation employment and salary statistics, we dispute by our reporting to the National Association for Law Placement, and any claims that prospective students or our graduates have been misled or legally harmed by our reporting are merely baseless," said the statement from Thomas Cooley. (Even as the law school is being questioned over its job locating record, Thomas Cooley is expanding -- and this week announced plans to flexible a campus in Florida. )
A statement from New York Law School said: "These claims are without claim to and we will vigorously defend against them in court."
The Broader Debate?
What's next in the debate over law hiring and these legal cases is the subject of much debate. Officials from the ABA, the Association of American Law Schools and NALP: The Group for Legal Career Professionals did not respond to requests for comment on Wednesday. Privately, two law public school officials expressed doubts about whether the class actions would succeed in court, but indicated that defending against them might be shaming for the law schools involved and for legal education generally.
For an example of the potential public relations challenges, reckon with the response of Thomas Jefferson to its class action. As reported in the blog Above the Law, Thomas Jefferson defended itself by noting that the U.S. Hearsay job placement figures on which the plaintiff relied were adjacent to figures in the magazine for the law dogma's bar passage rate. The law school's bar passage rate was lower and Thomas Jefferson's grade many years was "significantly lower" than the employment rate, the law faction argues in its brief. So "any reasonable reader" would know that pithy numbers of the law school's graduating classes were not working as lawyers. The blog's headline for the pillar: "Is the Answer Worse Than the Allegations?"
While the three law schools that have been sued are not among the country's most prestigious, the lawyers who sued on Wednesday stressed that they saw the issue as going well beyond those institutions. At the word conference, they pointed to a recent article in The New Republic that analyzed data from an unnamed "top 50" law coterie, suggesting that one-third of graduates reporting themselves employed are in part-time positions -- drift that well under half of graduates of a recent class are employed in full-time permanent positions, not the nourishing majority that the official statistics would suggest.
Kyle McEntee, executive steersman of Law School Transparency, a group that has critiqued job placement rates at many law schools, said he was not surprised by the lawsuits. "I notion of we are going to see more of them," he said.
He said that the moves by the ABA are in the right direction, but that his categorize wants to see even more information. Law School Transparency urges law schools to release, graduate by graduate, word for word what happens to each new lawyer (without their names). That way prospective students won't get deceived by averages that may be skewed by a few well-compensated lawyers, and will be qualified to distinguish between true stepping-stone positions (judicial clerkships, for admonition) and volunteer work that doesn't put someone on the fast track.
Will the ABA Reforms Work?
The proposed ABA surveys on m deal with many of the criticisms that have been made of past data. For instance, they would ask specifically about whether positions are funded by the law sect, whether positions are long term or short term, etc.
But there is controversy over whether these efforts will business. NALP, which has been the primary source of law school placement data, has expressed fears that law schools will no longer gather up data for its surveys, and that it is better able than the ABA to analyze the data. (A limitation of NALP's text is that they are not available institution-by-institution, which is why U.S. News 's rankings, which include institutional statistics, have become so valued by law school applicants and so important to law schools.
WILMINGTON, NC (WWAY) -- About this values bright and early every year students get ready for school. At Cape Fear Community College, registration is this week, and many students are looking for fiscal aid. For some, that aid will not be available.
The US Department of Education recently implemented what is known as program integrity rules. As a sequel a student's eligibility for loans is limited based on time. That means a student can only get financial aid for 150 percent of the stretch that is normally allotted to complete a degree, certificate or diploma.
This was not good talk for Brandon Eaton. The 28-year-old had been going to Cape Fear Community College on and off for the existence couple of years. Now his financial aid is gone.
"They sent me an e-mail and said you're no longer appropriate for financial aid. Now you can't get your tuition unless you try to file an appeal," Eaton said. "They said the worst thing they could do would be in 15 days give me some more information, but that's well past when tuition is due and past the cut off for buying my books on faith. So either way I'm out a semester of school."
CFCC Director of Financial Aid Jo-Ann Craig said the notwithstanding away from school is never counted against a student in regards to this rule. She also said that the school has already processed more than 5,200 students for $21 million in federal Pell Grants. That is $3 million more than all of last year.
None of those statistics do much for Eaton who will blunder at least a semester of school and without financial aid and cannot pay for a place to live for the time being.
I'm actually the student about which this book was written. It has absolutely nothing to do with academic suspension, but the fact that Cape Fear did not let me separate that they were changing their policy a few days before my tuition was due. My financial aid money had already posted over the summer and they actively took it away a few days ago. There were a lot of "closed doors" and "off the track record" comments made yesterday by this business in which I was paying money to attend, on how this was only the beginning of the supervision cutting financial aid and so on. For the comment on how financial aid isn't for living expenses... I wasn't getting liberate federal money for living, I was getting a student LOAN, that I had to pay back with interest to cover my living expenses, so that I could take as many classes as feasible and finish my degree as quickly as possible. As an added slap in the face I found out today I was only a few classes shy of being about to turn over out of there with an Associates Degree.
I am also one of those people who will be having their financial aid cut off soon. I was informed via email that I had monies to protect against this semester but soon,and they didn't tell me when, my financial aid will be gone. But the problem here seems to be the pike at CFCC. When I first started going to CFCC about 10 years ago, I was in the Computer Engineering program. This was swiftly before the dot-com bubble burst and it seemed at the time to be a great idea. Od course mid way through the program not only did the fizz burst but I realized this was not the path I had really wanted to take. I then dropped out and went into the business force for those years. Recently,I decided it would be a good idea to finish my education,so my first routine out of keeping with was to go to career counseling to see what I should really be doing. There,I was told to sit at a computer and take the same career placement assay you can take at home on your own computer. Then after getting my results the 'guidance counselor' didn't give me any sort of critique but simply asked "Well what do you want to do?", not tell me what I would be good at. The friend I went with got the faithful same treatment and instead of trying to give us options,this guy simply agreed with whatever we said. I could have handily said 'underwater basketweaving' and he would have said "Oh yes...according to your scores you'd be great at that."
Then the economic aid office is not much better,instead of spending the time to navigate through the often confusing amounts of grants and loans,they completely hand you paperwork and tell you to fill it out. Instead they should have brought up my records and said 'Well,you have against this much of your financial aid...here is what I suggest' or 'Well since you are wanting to do this,here are some grants you should apply for'. I personally am studying adventures with the hopes of becoming a teacher,it wasn't until I went off on my own and did some research that I found there are many programs that potential teachers can strive for in order to pay for college.
Finally,I think alot of this blame lies on the shoulders of the Dept. of Education who fails to fulfil that business trends chane,and what is a good degree one year,is a junk step little by little the next,and allow for those students who show initiative and maintain good grades,to be exempted from alot of their restrictions. It's not as if students like us are taxing to exploit the system for free money,alot,like myself do very well in school and are striving to raise ourselves and our communities,I personally work full time,go to school full time barely affirm ends meet and then to only have the money yanked away at near completion, is a slap in the fa.
But I think a closer look needs to be taken at this issue because alot of lofty and hardworking students are going to become victims of this legislation, and years down the road, when we are looking for community leaders, most of them will be sitting on the sidelines with unfinished degrees. This blanket way does not help matters, but only aggravates alot of problems our industries and educative systems have been facing for years.
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The hearing will be focusing on a recent GAO report that recommended that the Department of Education improve the monitoring of the basic skills tests required for students, who don't have a high school diploma or GED, to qualify for federal aid. The GAO's investigation uncovered instances where test administrators gave out answers to the students as well as instances where test results were tampered with.
Here are some questions worth posing to the witnesses, which I developed after my own research on Ability-To-Benefit tests (technical name for these exams) :
For Mr. Miller: How prevalent are these ATB tests at career colleges? What percent of incoming students in the last three years enter a career college by passing an ATB test? What research (if any), has your association done to assess the success of this cohort of students who qualify for federal aid through these ATB tests? Are you aware of any research that any of your member institutions have completed on this topic? Success would include persistence as well as default rates on federal loans Does the association or individual colleges have policies about how these tests are to be administered to ensure that test tampering and other irregularities do not occur? As the leader of this association of career colleges, how do you respond to taxpayer concerns, after reading a report like this, that federal aid is being squandered on students who may not be qualified for post-secondary education? What corrective action, if any, is the association planning? For Mr. Scott and Ms. Mitchelson: The report indicates the results of your undercover operations at for-profit schools: "For example, in 2008 we sent two GAO analysts who posed as prospective students to a local branch of a publicly traded proprietary school to deliberately flunk an ATB test. Each analyst was sent separately to the school and on both occasions, the independent test administrator gave them and all the test takers in the room–about 20 in total–answers to some of the test questions. We later obtained copies of the analysts’ test forms and found that they had been tampered with–their actual answers had been crossed out and changed–to ensure the analysts passed and would become eligible to receive Title IV funds." Later in the methodology section, you indicate "To do so, GAO analysts, acting in an undercover capacity, posed as prospective students on two separate occasions to take and purposely fail ATB tests at a local proprietary school." Why didn't your analysts visit more schools to understand better the prevalence of these practices? At which publicly traded proprietary school did this specific occurence take place? What actions have been taken/will be taken against this proprietary school for this regulatory violation? Based on your knowledge of the information that test publishers provide the Department, how confident are you that the publishers have the right systems and incentives in place to flag irregularities? Based on your research, did you come across any examples of a test publisher actually decertifying a school due to irregular test results? What is the right interval to monitor test results from test publishers? Annually? For Mr. Shireman: The GAO report indicates that "Education followed up with test publishers in the spring of 2009 to obtain missing test score submissions. In addition to ensuring the timeliness of submissions, Education should also ensure that the analyses conducted by test publishers are sufficient to identify improper testing." What is the level of granularity of the data provided by test publishers? Is a consistent set of data available provided by each provider? Can you describe what analyses the test publishers have provided to you to root out any potential irregularities? What has Dept. of Education asked the test publishers to provide regarding this analysis? Does the Department of Education have the internal capability to complete its own analysis of the test score data? With the test score data provided by the publishers in spring 2009, how many irregularities were flagged by the publishers and how did Education follow-up? What were the most common irregularities found? How many people in the Department are responsible for monitoring the test publishers? The report led me to believe that it was one person: "Education officials told us the employee responsible for test publisher oversight and review of test submissions retired in 2008. Since that time and until March 2009, no one at Education had followed up to obtain unsubmitted test score analyses, increasing the risk of unidentified test violations and fraudulent access to federal student aid." For each of the last three years, how many ATB tests have been scored and what has been the pass rate? Does the Department have the resources to implement the recommendations provided by the GAO report to more closely monitor test providers and diploma mills? What is the action plan? In the upcoming negotiating rulemaking sessions, what are the regulatory gaps that you hope to close pertaining to ATB tests?Do you have any questions that you want answers to..." Leave them in the comments section below.
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On the subject of another test, this NY Times editorial provides some interesting data on large differences between states when it comes to pass rates on the GED:
"The most fortunate live in states — such as Delaware, Kansas and Iowa — that have well-managed programs in which 90 percent or more of the test-takers pass.
The least fortunate live in New York State, which has the lowest pass rate in the nation, just behind Mississippi. Worse off still are the G.E.D.-seekers of New York City, which has a shameful pass rate — lower than that of the educationally challenged District of Columbia. This bodes ill for the city, where at least one in five adult workers lacks a diploma, and the low-skill jobs that once allowed them to support their families are dwindling."I may be alone on this one, but I fail to see the value of ATB test. Typically these are given to individuals that failed to complete high school and were unable or unwilling to get a GED. The demonstrated lack of persistence by these individuals does not bode well for their post secondary pursuit. There is a certain level of self discipline that should be demonstrated before taxpayer’s funds are committed to those that have shown little or no inclination to complete any educational program in the past.
Bulletin Board Letters, Opinions, & Commentary Local News Michigan News Michigan’s “Term Limits” Debate Arises–Again! National News State of Our U.S. Economy Special Report: Reverse Mortgages Politics…As Usual U.S. Troops & Veterans News Two Opinions re: Afghanistan Elsewhere in the World Celebrities in the News Police Files Solving Our Health Care Problems Baucus’ Health Care Bill Health News Science News Rx: Laughter, P.R.N. Tracking Local Gas Prices: October, 2009 “…One change in the benefits law that would be vital to many veterans at a time of turmoil in the home mortgage is an overhaul of the veterans’ home loan program that makes it easier for people with non-VA loans to refinance their mortgages through VA. This is done by raising the amount VA will guarantee and reducing the amount of equity a homeowner must have in order to refinance…” Especially when aiming for a government job, I reject the standard career-counselor advice to use your network to gain access to people with the power to hire you. My clients increasingly find that it’s more time-effective to search the best job Web sites regularly by keyword and zip code for on-target job openings and then craft a top-notch application for each. . It lists positions, including many overseas (Iraq or Afghanistan, anyone?), that are filled via personal service contracts. Those jobs are less secure than government jobs but usually pay more. Federal agencies, especially the EPA, State Department, FBI, FDIC and Treasury Department, often fill unadvertised openings at job fairs. Some are listed at . For state, county and city jobs, visit your local government’s Web site. To find yours, enter, for example, “government jobs” and “Chicago” in a search engine. Lots of stimulus dollars are going to federal contractors — independent firms that the government hires to do its bidding. Want to become one? The government’s portal for potential contractors is Because there are so many applicants for most government jobs, you probably won’t stand a chance unless you at least minimally meet most or all the requirements listed in the job announcement. Save your energy for the good fits. There are so many government openings, for everything from chef to chief, you’ll likely find plenty. Federal jobs will be most abundant in areas the Obama administration has listed as priorities: renewable energy, the environment, infrastructure, health care and education. Lily Whiteman, author of How to Land a Top-Paying Federal Job, says jobs are particularly plentiful for contracts and grants managers, procurement officers, financial managers/auditors, IT specialists, intelligence experts, and people with knowledge of the culture and language of Middle East countries. Don’t worry if your first government job isn’t perfect — your priority should probably be just to get into the government. That means applying for jobs you’re fully or even overqualified for. Once you’re a government employee, you’ll find it easier to transfer to something you’ll like better. Applying for a government job is usually cumbersome. That’s good news for you. So many people get frustrated with the application process that they do a shoddy job. If you craft a solid application for all the jobs you can, you’ll likely prevail. And remember, the pot at the end of the rainbow is quite golden: moderate work hours, unmatched job security, great benefits, and ample vacation and holidays. Thank you, taxpayers. Research your target agency. Whiteman suggests you review its Web site and, particularly, its recent press releases. Then reflect your knowledge of the agency in your application. Call the hiring manager to get application tips. Yes, there’s a chance you’ll be viewed as pushy, but there’s a greater chance you’ll get inside information or even develop enough of a relationship to gain an edge against the competition. Use a two-column cover letter. Hiring managers are overwhelmed with applications, so yours should quickly and clearly demonstrate that you’re a great fit for the position: On the left side, list the job’s major qualifications; on the right, say how you meet each requirement. Tell PAR stories. In interviews and in job-application essays (in federal job applications they’re usually called KSAs, which stands for knowledge, skills and abilities), tell one or more anecdotes that demonstrate you have one or more key attributes listed in the job announcement. Each anecdote should usually follow the PAR formula: a problem you faced, how you approached it, and its positive resolution. Create a portfolio. Consider creating a Web site consisting of your work products and resume. Of course, include its URL on your job applications. Make sure your message is clear. Whiteman says that before submitting an application, it must pass the “30-second-test.” Ask a person you trust to identify your best attributes from your application in 30 seconds. If he or she can’t, it’s unlikely a hiring manager will be able to do so. It’s difficult to be a good parent and simultaneously work well at home, says Durst, because most jobs require blocks of uninterrupted time to accomplish tasks, and children’s schedules are less than predictable. For those who do choose to walk the tightrope between paid work and parenting, consider deadline-oriented work. Durst says it’s generally better for those with younger children than schedule-oriented hourly work. Steven Rothberg, president and founder of CollegeRecruiter.com, says “an increasing minority” of entry-level workers, are attracted to these gigs. He says he believes social introverts make good candidates. “They like working with people (but) they like interacting by e-mail and by being on the phone. They dislike working in person with a lot of others,” he says, due to meetings and other “time-sucking problems” at an office. A growing number of employers appear to believe telecommuting is a good deal for them as well. It reduces overhead expenses, allows access to talented workers who may not be available locally, provides off-hours support and helps retain employees, says Sara Sutton Fell, CEO of FlexJobs.com, a Web site that aggregates hand-screened telecommuting/work-at-home jobs. “We’ve seen a real broadening of the audience of both employers and job seekers.” This is a field with much potential, in part because the title description covers many things. “You can fit your offerings to what you know how to do,” says Foster. One can own a virtual assistant business or work from home for a company that makes you available to other employees or clients. Homewiththekids.com, for example, currently features a dozen such companies. Small businesses hire virtual assistants to help when they can’t justify a permanent employee. The International Virtual Assistants Association, which Durst co-founded in the 1990s, began with 28 members and has grown to more than 600, who charge from $15 per hour to more than $100 per hour. As Foster knows, being a medical receptionist is a demanding job, and nearly every company listed on her site seeks applicants with experience and/or training from certain schools. The work involves listening to and typing up dictation from doctors — some of whom have difficult accents, slur words together, and even “eat, drink, chew gum (and) talk to other people in the room” while dictating, she says. But hearing about medical matters can be interesting, and good transcriptionists are in very high demand. Expect initial earnings of less than $10 per hour, but some transcriptionists earn $20 or more per hour. The national mean hourly wage for translators and interpreters was $20.74, with a mean annual wage of $43,130 as of May 2008, according to estimates by the Bureau of Labor Statistics. Some industries pay significantly higher, with the highest paying jobs generally in the management, scientific and technical consulting services areas, in which the mean hourly wage was $56.50 and the annual mean wage was $117,530. Information technology is the sector, Durst says, where most of the home-based hiring is being done. Terri Orlowski, a virtual assistant and Web developer based in Ledyard, Conn., offers services such as custom Web site design, template modification and redesigns, code updates, hosting, and usability reviews. She previously held administrative positions in a variety of industries, and makes a higher per-hour rate now. The job is in high demand. Of the more than 15,000 new monthly work-from-home job postings on Odesk.com, Web developers are in the greatest demand, says spokeswoman Elizabeth Gordon. A list of companies that post at-home tech jobs is available at ratracerebellion.com. When you phone to order something from a catalog or infomercial, a big office with rows of cubicles may come to mind. But the person on the other end of the line is likely to be sitting in a home office. “It’s a huge and growing industry,” says Durst of companies that hire independent contractors to take calls from home. She says the “home-shore movement” started in response to complaints about the many companies that looked offshore for workers. While some Web sites, such as Alpineaccess.com, actually hire representatives, most use subcontractors. Just be aware that the pay may be by the minute rather than by the hour, so you may not be paid for time you spend waiting by the phone. A list of companies that hire call center reps can be found at Homewiththekids.com. Call centers also hire technical support specialists to work remotely. Kate Lister, co-author of “Undress for Success: The Naked Truth About Making Money at Home,” names it as one of her top three “best-bet work-at-home jobs.” And according to the Occupational Outlook Handbook, jobs for computer support specialists (on-site and remote combined) were expected to increase by 13 percent from 2006 to 2016 — much faster than the average for all occupations — with 71,000 new jobs. Scams abound in the travel industry — particularly organizations that charge for information on how to break into the field. But operating a home-based travel agency can be an excellent business, says Tom Ogg of the Home Based Travel Agent Information Center. “Real home-based travel agents have experienced robust growth over the last decade, and there are probably around 35,000 of them and growing.” A growing (although small) number of people earn $100,000 or more a year, he says. “A solid business concept and plan focused on profitability will take you a long way to achieving your monetary goals.” There’s also the joy of helping others enjoy their leisure time. From postsecondary education to elementary schools, there are opportunities for students to learn virtually. Along with that, come opportunities to teach (and tutor) virtually. While distance learning is not new, advanced technology, collaborative multimedia software designed for schools and high-speed Internet connections have created more opportunities for teachers and students to work together from afar, says Fell. Durst has also noticed more teacher jobs being posted, and she knows of one professor who works mainly online and makes six figures — although income “depends on how many hours you’re applying to it and the type of classes you’re teaching.” A resource center for online teaching jobs is available at GetEducated.com. Yes, the print publishing industry has been suffering, but Durst is seeing frequent listings these days for writing, editing and proofreading, particularly for the Web. Even those without writing experience can join the blogosphere. Not only can blogging be lots of fun, Foster says, but also there’s money to be earned blogging for someone else’s site, getting paid to post on your own blog or through revenue-sharing arrangements. A list of blogging opportunities, for which the pay range is less than $5 per post to more than $20 per post, can be found at Homewiththekids.com. It’s a no-brainer: Owning a business can be the road to at-home work. For an initial investment, franchises may offer a ready-made business with brand awareness, a system and a territory, says Leslie Truex, founder of the Web site Work-At-Home Success. She advises considering businesses that target the over-50 crowd or the self-employed, involve health and wellness, relate to the “green” movement, or involve electronic or online devices (i.e., accessories, applications). The hirer is an established company. The ad includes the company name and does not have applicants reply to a blind e-mail address. Human resources personnel are available for questions. There is mention of information commonly associated with “real” employment (benefits, vacations, policies, etc.). There is an application and interview process, not simply an e-mailed offer. The employer can detail the job duties and expectations. References/work samples are requested. 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Whistleblower: Loan consolidation -- for a fee
We condign push the paperwork process through the bureaucracy of the Department of Education." This month, the California BBB opened a fill in on National Student Loan Solutions, also known as Nationwide Processing Center, after an investigation about it,
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Number of the Week: Student Loan Bubble But there are some big differences between student loans and shelter. For starters, mortgage credit absolutely dwarfs lending for higher education — by wellnigh a 10-to-1 ratio. Troubles in an $8 trillion market stance a much higher systemic risk. |
Grads Have Options to Manage Student Loan Debt
The Reckon on of Education has different repayment plans available for federal loans. If payments under a paragon 10-year repayment plan seem high and unsustainable, about that you may not need to select this plan. Consider switching plans if you
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Student Loan Debt Collector Gets Paid $454000 In Taxpayer Money Complaints against student lend debt collectors are increasing, according to a report by the National Consumer Law Center. Last year, the count of complaints (1406) received by the Department of Education increased by 41% over 2010. |
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MICHELLE SINGLETARY: 2012 college grads should think 'CASH' If you have off the record loans, contact the lender to be sure you're clear on what you owe. Go to the National Student Advance Data System at www.nslds.ed.gov to get information about your federal loans. This site is the US Department of Education's primary |