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PLUS Loans it’s never too late to subsidize your child s education cost

 by: Vanessa McHooley

PLUS Loans it’s never too late to subsidize your child s education cost

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Rising. Soaring. Skyrocketing. These are the words that seem to begin every article about college tuition costs and they are words guaranteed to make every parent cringe. According to the College Board, costs for the 2004-2005 school year at four-year private colleges are up 6%, while costs at four-year public colleges are up 10.5%. Scary? Yes. Impossible to handle? No!

The good news is that there is more financial aid available than ever before. One of the most interesting financial aid options is the Parent Loan for Undergraduate Students, or PLUS Loan.

What is a PLUS Loan?

PLUS Loans are federal loans taken out by parents to help pay their children s college costs. PLUS Loans offer several advantages:

• Interest rates are adjusted each year, but are consistently kept low. For the 2004-2005 school year, the interest rate is 4.17%. It is capped to never exceed 9%.
• Financial need is not a determining factor in receiving a PLUS Loan.
• No collateral is required.
• There is no penalty for early repayment.
• Loans can be consolidated.
• If you are eligible, up to $2000 in interest may be tax-deductible under the Hope Education Tax Credit.

Who is eligible for a PLUS Loan?

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If you are a parent with dependent students attending college at least part-time, you are eligible to receive a PLUS Loan. You do need to have a good credit history. The following credit issues will reduce your chances of getting a PLUS Loan:

• Bankruptcies
• Defaulted loans
• Payments overdue by 90 days or more
• High debt-to-income ratio

If you are turned down for a PLUS Loan because of poor credit history, you can find someone to co-sign the loan with you and then apply again.

How much can I borrow with a PLUS Loan?

You can borrow up to the total cost of undergraduate education expenses, minus other financial aid already received. Expenses can include tuition, room and board, supplies, lab expenses, and travel.

How do I apply for a PLUS Loan?

You can apply for a PLUS Loan through the Federal Family Education Loan (FFEL) Program or through the William D. Ford Federal Direct Loan (Direct Loan) Program. FFEL loans come from private lenders or loan servicers, such as your bank. PLUS Loan applications are available from your school or your lender. To apply for an FFEL PLUS Loan, you complete the application and then submit it to your school. The school completes its portion of the application and sends it to the lender for approval.

Direct loans come from the U.S. Department of Education s Direct Loan Servicing Center. To apply for a Direct PLUS Loan, you complete a Direct PLUS Loan application and promissory note and submit it to your school s financial aid office. This form is available from your school s Financial Aid Office.

You can take out one loan per enrollment period for each eligible student in your family.

PLUS Loans do require an application fee of up 4% of the principal of the loan. These fees are deducted from the loan principal, so no up-front money is required. The fee includes a 3% origination fee charged by the federal government and a guarantee fee of up to 1% charged by the guarantee agency. However, most guarantors waive the guarantee fee.

How are PLUS Loan funds disbursed?

Funds are sent directly to the school s financial aid office for scheduled payments over the course of the academic year. As with other federal loans, there are usually at least two disbursements, one for each school term.

The funds are first applied to tuition, fees, room and board, and other school charges. If any money remains, you can receive it as a check or you can put it in your student s school account. This remaining money must be used for education expenses.

When do I repay PLUS Loans?

You start paying back PLUS Loans 60 days after the final disbursement of the school year. So, if the final disbursement is made in January, as is typical, repayment generally begins in late February or early March. PLUS Loans are the financial responsibility of the parents, not the student. If the student agrees to make payments on the PLUS Loan but fails to make the payments on time, the parents are held responsible.

What is the difference between PLUS Loans and other student loans?

The other student loan generally available to students is the Stafford Loan. The table below illustrates the similarities and differences between these two loan programs:

PLUS Loan

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Federally guaranteed

Made to parents of dependent students

Interest rate is low, but not as low as a Stafford (currently 4.17%)

Repayment begins 60 days after final disbursement for the academic year

Loan borrowing can be up to 100% of college education costs

Stafford Loan

Federally guaranteed

Made to students themselves

Interest rate is lowest available (currently 3.37%

Repayment begins six months after graduation or leaving school

Loan borrowing is capped:

• $2,625 for first-year undergraduates
• $3,500 for second-year undergraduates
• $5,500 for third- and fourth-year undergraduates

Loan can be needs-based and requires a FAFSA

Interest charges do not begin until repayment begins, after graduation

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about PLUS Loans at http://www.NextStudent.com.

About The Author Vanessa McHooley My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD. http://www.nextstudent.com/

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To Stress or Not to Stress?

 by: Lesley Spencer

Today it seems that no matter who we are or what we do, we have more stress in our lives than our parents or grandparents did. There are many factors and demands that cause stress in our lives: things such as demanding careers, relationship conflicts, financial worries, health concerns, parenting challenges, legal issues, fear of the unknown and so many others.

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If that were not enough, the stress and worries these situations cause further diminish our ability to function well and to be healthy. In fact, stress can cause depression, fatigue, irritability, withdrawal, insomnia, appetite changes, head aches, lower sex drive and many other ailments and diseases. Some studies suggest that as much as 80% of all major illnesses are attributed to stress. Take note of that again — as much as 80% of all major illnesses are attributed to stress! It is quite obvious — stress is NOT good for us, and we are wise to get rid of as much of it as possible.

So how do you do that? First, do you know what things in your life are causing you stress? Think about it and write down those things. Next, go through your list and write possible solutions and ways to ease stress for each of those stress causers. Then, make a plan to do those things. That plan may look like a daily reminder that you read, post-it notes on your computer or a daily quiet time of prayer.

For those stress items that we cannot remove from our lives and for the unexpected stress that creeps into our lives, try these tips:

When you feel tense or stress, stop what you are doing, close your eyes and take several deep breaths. Inhale slowly counting to 10 and exhale slowly counting to 10. Try to do this at least three times. You may need to do this several times a day.

Start an exercise program. You may be amazed how much stress is relieved when you exercise. The endorphins that are released can reduce your stress, improve your mood and give you an energy boost.

Play relaxing music or soothing sounds that calm and relax you.

Plan a day off or at least plan some time just for yourself and do whatever is relaxing to you: sleep in, lay in a hammock, have coffee with a friend, take a bubble bath, have a glass of champagne, go for a hike, get a manicure or read a book.

Count your blessings. Record things you are happy and thankful about. Read them daily and add to your list as you recognize new blessings and things to be thankful for. The goal is to have a longer thankful list than stress list. Focus on the positive and remind yourself of the positive things in your life often.

Simplify your life. Are there unnecessary things in your life that you could remove? Are you over-extended or over-committed? Are their things in your life that you can outsource to simplify your life? Are your children in more than one extra-curricular activity? Is that adding more stress than is worth it?

Find more joy. Are their things that can truly add joy to your life? What are they? Are you focusing too much on work or negative things in your life? Are you taking time to stop and enjoy your life, your family, and your children?

Make today the day for new beginnings and for removing as much stress from your life as possible. Find joy. Make joy.

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About The Author No doubts about the clarity of this excerpt, still the persons are quivery about its benefits. It was like a blessing for those folks who were looking for baby sleep night. All can not get the positives from it. Only you have the intelligence to be the finest judge of this write-up. Just grasp all the words to get the worth of this article. Lesley Spencer is founder and president of the HBWM.com, Inc. Network which includes: http://www.HomeBasedWorkingMoms.com, http://www.WorkAtHomeKit.com, http://www.edirectoryofhomebasedcareers.com, http://www.momsworkathomesite.com, http://www.HBWMconferences.com, http://www.HBWMcanada.com and http://www.HireMyMom.com (coming soon!). She has a Master’s Degree in Public Relations and has been featured in numerous media outlets including CBS News, Forbes, Business Week, Parents, Wall Street Journal and USA Today. She has been working from home for over 10 years and has twochildren whom she absolutely adores! hbwm@hbwm.com

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Evangelical Skepticism: Pursuing Your Right To Be Wrong

 by: Maya Talisman Frost

Michael Shermer speaks with the energy and passion of an evangelist, so it’s not too surprising to learn that he used to be one. What is surprising is that he has made a 180-degree turn in his approach to belief. As a college student at Pepperdine University, he knocked on doors to spread the word of the gospel to anyone who would listen. Now he preaches the power of skepticism in the true sense of the word.

Like a war hero who becomes an anti-war activist, this turnaround is both curious and inspiring. His story underscores the complexity of the concept of belief and our need to hold on to some form of validation.

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Shermer is the publisher of Skeptic Magazine. He is quick to point out that what many people think of as skepticism is really cynicism. Being skeptical has nothing to do with being a grumpy curmudgeon who discounts any idea that disrupts his world view. It is less a position and more an approach using science and reason.

Skeptics are open to looking into anything and everything, but are reluctant to latch on to theories without sufficient evidence to back them up. Skeptics don’t sit around trashing the ideas of others–that would be a waste of thinking time. Instead, they luxuriate in the opportunity to further explore interesting notions.

The motto of the Skeptics Society and Skeptic Magazine is a statement made by the 17th-century Dutch philosopher Baruch Spinoza: “I have made a ceaseless effort not to ridicule, not to bewail, not to scorn human actions, but to understand them.”

This is a fabulous approach to life, even though it may require more patience than most of us can muster. If we can’t count on any absolute truths and we don’t want to get bogged down by the muddy thinking of relativism, we’ve got to do our best to establish what Shermer calls “provisional” truths. He uses the word “provisional” a lot to refer to those pretty good truths and almost universal ideas we tend to think of as fairly consistent. Is infanticide bad? Yes, almost always. There could be, in some cultures and in some specific circumstances, ethical reasons to justify infanticide, but we recognize that those are few and far between. Provisional ethics allows for continued discussion and exploration in a way that a black and white view never will.

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Shermer was in town recently to talk about the third book in his trilogy on the power of belief: The Science of Good and Evil: Why People Cheat, Gossip, Share, Care and Follow the Golden Rule. He offered compelling theories and groundbreaking scientific results regarding the evolution of human ethics. Thanks to magnetic resonance imaging, we can now see what’s going on in the brain while we perform certain tasks. It turns out that the pleasure centers of our brain “light up” when we engage in activities that are cooperative- sharing, being generous, helping others. Just as though we were eating our favorite comfort foods, getting a massage, or making love, our brains register this activity as highly pleasurable. There is (some) reason to believe that cooperation has evolved as a highly prized survival skill, and thus we are “rewarded” by feeling good about it.

Engaging in competitive activities–trying to beat a rival, striving to gain control–shows up in an entirely different area of the brain. Of course, this is also a very important survival skill, but it tends to come with its own tangible rewards–more food, more wealth, the mate of your choice, etc.

I’m still waiting for research on highly competitive individuals. Do their brains light up in the pleasure zone when they win? Is there some sort of shift that happens? What about sociopaths? Do their pleasure centers flare when they lie, cheat, steal, or harm someone?

There’s just no end to thinking when you view the world with a healthy dose of skepticism. Socrates observed that the only thing he knew for sure is that he knew nothing. Sticklers are all too happy to point out that this, in fact, suggests that he knows that nothing exists, knows that he knows this, knows that he knows that he knows this, ad nauseum. By the same token, if you are skeptical about everything, you must be skeptical of your own skepticism! Just when you think you’ve got something figured out, it’s time to be skeptical again.

This isn’t the mainstream approach to thinking. We tend to like having ideas we can hang on to. We choose a couple of stable concepts, tie up a hammock and swing there contentedly.

That’s one way to live.

Another way is to hang that hammock on a couple of sturdy ideas, sway there a bit, and then go off and find another place to swing. It’s a lot more work, but you cover a lot more territory in the process. Your intellectual journey may be arduous but infinitely rewarding.

Because there are limitations in scientific investigation and plenty of mysteries remaining, the Skeptics keep in mind the words of Albert Einstein: “All our science, measured against reality, is primitive and childlike–and yet it is the most precious thing we have.”

Einstein believed in the power of the unknown and reveled in the right to figure things out as best we can. He valued imagination over knowledge, but persisted in searching for evidence that what we dream can be described and reported scientifically.

Skeptics are cautious believers. They hope for magnificence, they dream of infinite truths and they doggedly pursue their right to be wrong. They are forever moving their hammocks and testing untried trees.

And they are downright evangelical about it.

About The Author Maya Talisman Frost is a mind masseuse. Her work has inspired thinkers in over 80 countries. She serves up a satisfying blend of clarity, comfort and comic relief in her free weekly ezine, the Friday Mind Massage. To subscribe, visit http://www.massageyourmind.com today! Completely admissible! The endurance till this point means that you are too much curious in stop panic disorder and health. Get additional benefits by reading further. maya@massageyourmind.com

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