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Students Loans?

Jan 31, 2006 by Ladeanna | Posted in Other - Education

Is there a way for my students loans to die out?

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The only way to get out of a lend is if you have a be-on-time loan other than that your stuck...

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students loans?

Jun 26, 2007 by dg | Posted in Financial Aid

my interview is where can i get a student loan? would California Department of Rehabilitation help with college calasses books and transportation?

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They richest way to know is to ask them.

Also, you'll be able to get school loans through the college you plan on attending. They will be able to assist you.

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News Wrap: Federal Student Loan Default Rate Jumps to 8.8%

In other intelligence Monday, the Department of Education reported that the come up short rate on federal student loans jumped to 8.8 percent of borrowers in ...

Career Services Professionals Do Their Best

Career services occupies an odd space among employers and alumni who are savvy about what students will need to become smart professionals, law students and their parents who want jobs right now, and deans who want employed alumni.

Because the admissions office does not screen for the entrepreneurial spirit, students are admitted with vastly different skills, interests, and intent, including those who have not yet decided to become lawyers. Unlike lawyers who get to select their clients, astonishingly understaffed (300:1) career service offices serve all comers after November of the first year of law school.

Career services ought to teach

In my 17 years at Minnesota, the career office sponsored more than 1,100 programs featuring alumni speakers. Most were sorry to have given short shrift to legal writing, and equally sorry to have ignored alumni who urged them to acquire business skills. They nearly always pointed out that students would be in charge of their own careers.

Had it been available, most would have endorsed the “Lawyerist List of Key Career Skills” (marketing, branding, business development, client service, pricing and professional services delivery, business-model innovation, and small business/solo start-up tools). But, hindsight is always 20/20, and they were delivering a message that was hard to hear.

To be effective, branding and entrepreneurship must be part of a law school’s DNA and be . Career services has limited power and influence. Law faculty are notoriously unpractical, and only the most motivated deans are likely to be eager to change the fundamental characters of their schools.

Smart career development is hard. It is easy to submit a resume for an electronic job listing. The real work of career planning is personal and time consuming. It earns no grade. It competes with course credits, journals, moot courts, mock trials, clinics, paid and unpaid employment, and with students’ need to sleep and eat. Aaron’s estimable recommendations for coaching and vectoring toward innovative business opportunities may not be timely for 2Ls who have missed the “ legal market has changed ” message or who have no interest in any aspect of business.

Knocking career offices for spending “zero time focusing on creating career-savvy legal professionals” has its limits. Leaving aside just how closely the programs and services of nearly 200 ABA accredited law schools were studied, this position is disrespectful to the choices that students are free to make that don’t fall within the “Lawyerist List of Key Career Skills”. Not every student is ready to embrace the entrepreneurial life, and for many, despite looming loans, law school is a place to hide. I know that career offices have been inserting practical skills concepts into their schedules for more than a decade. Leading horses to water has never been a reliable way to make them drink.

The complication of alternative career paths

The earnest recommendation that career offices generate alternative career opportunities misses the point that most alternative career searches are complicated and unique. Recruiters evaluate “yield.” Managers would question their judgment if they spent time and money at law schools to find one qualified applicant in five years, when they could see dozens at a school that trains for their occupation, and where they could connect immediately with a large qualified alumni applicant pool.

Similarly, a dean would question the use of scarce resources if the office attempted to gin up scores of non-legal positions for which few law students would be qualified, and even fewer would have interest. An alternative career search is hard. What is an alternative career for a lawyer is someone else’s traditional career, so there is no law school OCI, and the jobs are posted where the other professionals look for work.

I agree that in today’s economy, more students may be interested in the “Lawyerist List of Key Career Skills” then in the recent past. I hope so. But converting “interest” into a real entrepreneurial spirit, active networking, and skill development requires students’ time, energy, and commitment. While they serve as teachers and cheerleaders for students and alumni, career services professionals do not have the power to make people engage in these activities.

What do prospective students want from career services?

However, in this economy, law school applications are increasing exponentially, and I would be very curious to know what prospective students expect from law school. Are they coming to avoid the worst of the economy, or do they have practical plans for becoming lawyers in the new economy—whatever that is?

(photo: toffehoff )

Susan Gainen served for 15 years as Director of Career & Professional Development at the University of Minnesota Law School. She currently runs Pass the Baton LLC where she helps employers and employees navigate generational change in the workplace.

Source: Lawyerist

Workers Party of Belgium: The International Capitalist Crisis and Our Tasks

Report presented by Baudouin Deckers, member of the National Bureau, head of the International Relations Department.

The economic crisis is getting deeper

When the financial crisis broke out end of 2008 it brought about a world-wide crisis of the economy. This was inevitable. Indeed, the financial crisis is rooted in a structural crisis of over-production which has been worsening in successive waves since the first years of the seventies. As marxists, we know that it is tightly linked to the production mode of the capitalist system.

Such thesis has been developed time and again, at the International Communist Seminar of May 2009 among other platforms, as is attested by the Declaration which was endorsed there.

Since then, a number of banks and companies have been registering benefits again. The slightest signs of recovery are bringing about convulsive movements of euphoria on the stock exchange. Various bodies of the capitalist world are issuing rather optimistic health reports: the disease seems to be as good as warded off. Judging from what they say, the world will not be confronted with a repeat of the years 29 and 30 of the past century.

Can it be surmised that capitalism is in a position to really surmount its crises?

The capitalist States have used their entire financial arsenal of weapons in order to avoid a long-lasting depression.

The relief provided by the States to the great capitalists has reached limits which are unheard of. At world level, they have spent more than 2,000 billion $ in order to rescue banks from bankruptcy, in Belgium alone, 20 billion $. The States have provided guarantees in order to restore the confidence, both between banks and atÿ investors’ level. They have intervened massively in order to buy back obligations and toxic credits.

These enormous efforts (which will have to be paid for by the population…) have given a certain result, temporarily, contrary to what happened after ’29. We are coming out of a period of recession and re-entering one of slow growth, though at a much lower level than a year ago.

A sharp rise in unemployment will nevertheless remain the outstanding feature of the coming months and years.

There is an excess of capacity and the period of restructuring, liquidation of capital and rationalization is only starting. No investments are made for the time being, except for take-overs and restructuring. The slight recovery is mostly due to the reconstitution of stocks. In Belgium, the Bureau du Plan foresees an increase of 175,000 unemployed between 2008 and 2011. And of over 200,000 if the growth of the active population is to be taken into account. In the US, the unemployment rate has overshot the 10% mark for the first time since 1983. As a result of the sharp increase in unemployment, pressure on the salaries will be maintained (which in turn reinforces the weakening of the purchasing power.

Recovery will remain weak, very hesitant and unstable

As a result of job losses, income decrease, and scarcity of loans, consumption has dropped and savings are on the increase.

The financial risks (banks) are far from being eliminated, the possibility of new crashes cannot be excluded. Suffice it to refer to the bankruptcy of the DSB Netherlands bank and to that of the American CIT, which rates fourth in importance in the history of the US.

A large amount of toxic products is still present in the financial circuits. Moreover, the economic crisis is now taking its toll on banks as well, since the latter have more and more to do with debtor companies in default. This situation encourages the central banks to pursue their low interest-rate policies. Massive intervention by the central banks amounts to massive minting which, in turn, could result in a very important inflation rate.

The States have run into debt more than ever before in order to save the banks and the big companies. The budgetary deficits are exceeding all norms.

The dismantlement of services and public enterprises is speeding up, once again the health care and education budgets are affected. Plans for savings or an increase in various taxes are going to burden the income of households yet further.

In order to re-establish their benefits and counter the danger of inflation, the capitalists have resorted to perceptible cuts in salaries and an increase in productivity. In the US, the wage cost per unit produced has gone down by 3.4% in the third quarter of 2009. All this is not going to make it easy to get out of the crisis.

A relapse is certainly not to be excluded.

Consumption in the US is not pulling the world economy anymore, and there is no one to face the challenge for the time being. The Chinese economy still shows the highest growth rate (between 7 and 8%). However, it cannot replace American consumption as the driving power of the world economy. The Chinese GIP is only one-fifth of the American GIP. Furthermore, consumption in China reaches only 35% of the GIP, while in the US, it reaches 70%.

We may say, by way of conclusion, that both the plans to boost the economy and the use of incitements have gotten us out of the predicament, but it should be stated that all these measures are very temporary.

The financial and economic crisis gives an impulse to a new world order

After their victory over revolution in 1989, the great imperialist powers believed they could ensure global control by a militarist policy. In fact, their attacks on Yugoslavia, Iraq, Afghanistan and elsewhere have deepened the gap between them and the rest of the world. The financial crises in Asia in 1997, Latin America in 1998 and globally in 2008-2009 increasingly discredit the free market system itself, imposed in addition by antisocial measures dictated by the IMF or the WB. For it is precisely that system which is pushing much of the world’s economies to the brink.

Meanwhile, Asia and Latin America, countries with socialist regimes like China or Cuba, nationalist-progressive regimes like Venezuela, Bolivia, Brazil and others, or emerging powers like India have managed to break the yoke of total dependence and underdevelopment in which imperialism had locked them up for over a century.

China and Cuba and other emerging countries have become powerful levers of a new world order. There is indeed a long way still to go. But nobody can doubt the inevitable decline of imperialism.

Already the dollar is being widely questioned as an international currency. Joseph Stiglitz, Nobel laureate and renowned professor of economics spoke recently of “a worldwide battle over ideas over what kind of economic system is likely to deliver the greatest benefit to the most people. Nowhere is that battle raging more hotly than in the Third World, among the 80% of the world’s population that lives in Asia, Latin America and Africa. In much of the world the battle between capitalism and socialism still rages. They are increasingly convinced that any economic ideals America may espouse are ideals to run from rather than embrace.” [1]

Global environmental crisis

Capitalism is not only discredited because of the economic disasters in which it plunges the world, but also by its complete failure to respond to that other major crisis: the one that threatens life itself on our planet.

The “United Nations Environment Program (UNEP) has recently submitted to the G20 a document entitled” Global Green New Deal “. The first sentence of that document says exactly what it is: ” In response to the financial and economic crisis, UNEP has called for a ‘Global Green New Deal’ for reviving the global economy… while simultaneouslyÿ accelerating the fight against climate change”. Environmental technologies according to this report must primarily serve to revive the global economy, the market economy. They are certainly immense opportunities for capital seeking investment and will contribute to some economic recovery. Since the economic criterion is dominant, however, it limits at the same time the scope for saving our planet. It was this unlimited pursuit of profit which led both to the financial and economic crisis and to the disastrous situation of our environment. It is not private capital seeking ever greater profits, which will be able to resolve the immense environmental crisis in which our planet is plunging.

History has shown that capitalism can only overcome its crises by destroying each time immense productive forces. ” During the depression of the 1930s it was not the ‘new deal’ that saved capitalism from languishing but the Second World War. We are facing a period of sharpened contradictions, with capital becoming more aggressive. This risks leading to new armed conflicts.”[2]

Our tasks as Communist Parties

Everywhere workers are active and protesting. Some worry that class struggle is lagging behind in face of the scale of capitalist crises. We must remember that it was not in 1929 that the most important struggles of the working class took place, but some years later. It is only when workers feel the full weight imposed on them by governments and employers that they react. In addition, we must not underestimate the void left by the counter-revolution. In 1930, workers saw that socialism in the USSR was the alternative. Today, workers are increasingly losing confidence in capitalism, but they do not see what to oppose to it.

The European Left Party persist in defending a left reformist position, an updated version of social democracy. Obtaining partial improvements within the current system is already sufficiently ambitious. We will never collaborate with these attempts to bind workers to capitalism and imperialism.

It’s up to us to help both blue-collar and white collar workers, as well as the unemployed, students and self-employed to realize that this is not our crisis, but that of capital. That the fundamental problem is the private ownership of the major means of production, combined with the continuous search for higher profits by the few holders of big capital. Only a truly socialist economy, planned by the workers’ state can ensure that production is determined by the needs of the masses and not by profits for a minority.

This understanding does not pass so easily today in our imperialist countries. It is no good whining about this, for we know the reasons: the overthrow of socialism in the USSR and the increasing stranglehold of a few large monopolies in the media. We must start with reality and discover the ways in which workers can now move in an anti-capitalist direction.

We have decided to walk on two legs. On the one hand, we want to get rid of rigidity and dogmatism in our mass work: we must start from what people understand today: correct demands for which they are prepared to act – whatever the level – and support and help develop the struggles they undertake. For example, we are currently engaged in a major campaign for a tax on millionaires, a tax that would hit the 72,000 euromillionnaire families in Belgium. Compared to the population, it is the largest number in the European Union. Taxing the very rich is a claim that has already met with some support in various trade union circles …. But bourgeois political circles claimÿ it is absurd and “unrealistic” …. We are also advocating a reduction of VAT on energy, from 21% – the current rate – to 6%. We have already collected over 200,000 signatures and we will continue this campaign as long as the measure has not been applied. I could give you a much longer list of demands or actions that we undertake and which are at a level people can engage with.

The danger of turning to the right of course exists. … This would be a real risk, if we did not also walk on the other foot: the strengthening of Marxist-Leninist education in our party, through party schools and our theoretical journal and through open conferences.

We must strengthen the revolutionary communist movement. This requires deepening our understanding and our Marxist critique of capitalism, in struggle with reformist and social-democratic ideas. This requires that we strengthen our cooperation at this level. We also share more experiences in organizing the masses, and organization of our own Communist parties, as our experience in tactics. All our work must be based on scientific socialism. But it is clear that the specific response to typical problems of our time will not be found as such in these messages. It can arise only from the scientific assessments we make of our experiences.

[1] Vanity Fair, Joseph E. Stiglitz, July 2009

[2] Declaration on the Economic Crisis, 18th International Communist Seminar, Brussels, 15-17 May 2009

Boudewijn Deckers (WPB):“the financial crisis is rooted in a structural crisis of over-production which has been worsening in successive waves since the first years of the seventies. As marxists, we know that it is tightly linked to the production mode of the capitalist system. Everywhere workers are active and protesting. … Today, workers are increasingly losing confidence in capitalism, but they do not see what to oppose to it.” “… this is not our crisis, but that of capital. … the fundamental problem is the private ownership of the major means of production, combined with the continuous search for higher profits by the few holders of big capital. Only a truly socialist economy, planned by the workers’ state can ensure that production is determined by the needs of the masses and not by profits for a minority.” “The European Left Party persist in defending a left reformist position, an updated version of social democracy. Obtaining partial improvements within the current system is already sufficiently ambitious. We will never collaborate with these attempts to bind workers to capitalism and imperialism.”

When a communist organisation which claimed to be the van-guard doesn’t discuss and propagate concretely about the need to organise for a revolution to overthrow imperialism, than they can just “follow” the class-struggle of te workers and suggest “some” reforms as a goal for the class-sruggle: “This understanding does not pass so easily today in our imperialist countries. …. We must start with reality and discover the ways in which workers can now move in an anti-capitalist direction. … we must start from what people understand today: correct demands for which they are prepared to act – whatever the level – and support and help develop the struggles they undertake. For example, we are currently engaged in a major campaign for a tax on millionaires, a tax that would hit the 72,000 euromillionnaire families in Belgium. …We are also advocating a reduction of VAT on energy, from 21% – the current rate – to 6%. We have already collected over 200,000 signatures and we will continue this campaign as long as the measure has not been applied.” “We must strengthen the revolutionary communist movement. This requires deepening our understanding and our Marxist critique of capitalism, in struggle with reformist and social-democratic ideas.”

The WPB has become under leadership of Peter Mertens and Boudewijn Deckers a revisionist organisation: Political line =reformism argumentated in Marxist fraseology.

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Source: The Marxist-Leninist