Guide To Student Loans

Guide To Student Loans

College education is said to be a ticket to a better future. It is an integral process in gaining skill and knowledge to be able to contribute to the society. With a college education, many opportunities can open up. From job security to better living standards to getting connections whom can be valuable later on in life. The benefits of college education are plentiful. However, with rising costs of college education, more students are considering to take loans to help pay for school. What options are available to obtain such loans?

Student Loan Guide

Types of Loans

It is important to understand the types of loans that are available for the student to get. This will help in choosing the loan that is right for you. There are two kinds of loans available to choose from, the federal student loan and the private loans.lkjhgfdsfghjk

The state provides the federal student loans. One is required to fill out the FAFSA, or Free Application for Federal Student Aid. Once compiled one is required to submit it and await their financial aid award package which is determined and sent by the college or university. The award package will outline the type of aid being offered which could be scholarships and grants.

Most federal student loans have limits and student are only able to borrow particular amounts depending on their need or year in college. Hence many opt to take private student loans. Typically most private student loans are offered by banks. Also, institutions like credit unions or other lending companies provide such loans.

Investigate All Options

It is important to know the loan options available and requirements before applying. This will help one find and get the best arrangement for their needs. One needs to shop around, visit the institutions and ask all the relevant questions. Once this has been done, sit down and compare the loans and benefits then one can make a decision.

Factors To Consider

Confirm loan details. Be sure to be clear on the interest rates. Federal loans have a fixed rate which helps in predicting payments. Private student loans rates vary depending on the lender. It is thus paramount to have clarity on the rates. Likewise, be clear on the first payment d;lkjhgfghjkl;kjhate, the total cost of the loan and the deferment period.

Find out when the money is disbursed. Will the money go to the school directly or will it be sent to the borrower’s account? Such information is critical for it will avoid confusion of where the money has been sent, preventing delays in settling the student’s account.

Finally, ensure to choose a lender with good customer service. Student loans are a big commitment. Hence you need a lender who has a reputation of handling their clients well.

Campus Safety Guide

Campus Safety Guide

Reality checks in when you or someone you know is affected by an incident whether a crime or a threat of an assault. Otherwise one would remain detached and separated from such issues and its effects. It is thus critical to be equipped and aware of what to do and how to prevent oneself from such incidents occurring. What safety guidelines are there to help someone.

Safety Guide

Get information about the school campus safety office;lkjhgjklo;kjh

Familiarizing yourself with the school’s campus safety or security office is good. Campus Safety Magazine reports can offer more insight on this. Get the numbers of the security office and find out what time are the office hours. Also, inquire about the programs they offer, it could be a campus escort service or a safety map.

Know the campus and city crimes

Understanding and knowing about the crime in your area will be of great benefit. The better you will be equipped in preventing such incidents happening again. Most colleges provide statistics on campus crime, and one can also get statistics on a cities crime rate from various sites. These will include the type of offense and location it occurred. Being knowledgeable is one way of preventing a reoccurrence of an incident.

Be cautious at night

It is a fact on average that most offenses and crimes occur at night. Likewise, one should not be scared assuming that danger is around every corner, one should also not take unnecessary risk. If you must walk at night or have work, adopt the buddy system of being with a friend or call the campus security to give you a ride home.

Lock Up Always

Remember to close and lock up your door whether room or car door. Even if one is stepping out for a few minutes, it is wise to have the rooms under lock and key. A criminal always takes the path that is the least resistance. Hence, locking your doors is one way to protect you and your property from such incidence.

Know where you are going

Every time you set out to go somewhere, be aware of where you are heading to and how
to get there. Inform your friends of where you will be heading to, possible routes you may take and what timlkjhgfhjklkjhe you may be back. This will be helpful in the case you do not return on time. Furthermore, always carry some emergency cash.

Some final tips would be to watch what you drink, especially if you have left your drink unattended. Never accept substances from people. If you are with friends and they leave a place, leave together with them. Also, have safety and security supplies readily accessible like pepper spray. Lastly, remember to report any suspicious incident.

College Dorm And Campus Living Checklist

College Dorm And Campus Living Checklist

Going to campus is an exciting time for many students. The thrill of finally studying in your dream college and being a part of a prestigious center of learning is exhilarating. Your time will be spent in the lecture halls and your dorm room. One requires planning well for the college life. One needs to plan out a checklist and purchase for dorm room essentials that will be space efficient and durable. Remember, dorm rooms can be space limiting and storage maybe inadequate. What then are the essential dorm room essentials that one will need?

Campus Living Checklist

Linens And Laundry Supplies

Carry your duvet or comforter, pillows, and sheets. Bring two sets of linens, for easy of also bring a lint brush and a mini sewing kit. Remember also change when laundr;lkjhgfhjkl;kjhy needs to done. It is important to find out from the college the size of beddings needed. Also, have bath linens like towels and a bathrobe. Likewise, carry a laundry basket for putting dirty linen and cloth hangers for hanging and organizing clothes, these also help with storage. One can to carry cleaning supplies.

Room Storage, Organizers, And Requirements

Some essential room requirements include a bedside lamp to light your bed, an alarm clock to help in waking up and time management. A desk lamp necessary for reading. Storage boxes and bins are useful for storing things under the bed or a corner in the room.

Kitchen And Dining

Inquire which appliances you are allowed to have like a toaster or a coffee maker. It is important to coordinate with your future roommate(s) for easy and purchase. Also, carry dishes, glasses, and utensils to have at hand, though most of the meals may be eaten in the school cafeteria.

Desk And Office Supplies

Stationery are essential tools in the process of learning. Having notebooks, pens, and pencils, folders with pockets and highlighter pens go a long way in jotting down what one is being taught. Also, having an electronic storage tool like a memory card and USB flash drive will help in keeping information and data about assignments and other necessary information. Otlkuytryuioiuyther office supplies can be rulers, stapler, and staples, scissors, tape, pencil holder, and sharpeners. The is endless, it all depends on the requirements of the student.

Some other supplies to have are your organizers like a shower tote, a cosmetic desk organizer for a lady. Electronics like laptops, MP3 players, portable speakers, cell phones and cameras also need to be on the list. Lastly, remember to carry your personal items, toiletries, and clothes. Also do not forget important documents like your ID cards, driving license, registration forms, and any other relevant documents. Finally, if you are on prescribed medication, bring enough.