Community Education Portal http://www.cybertesis.cl Educating communities worldwide Mon, 29 Aug 2016 23:10:50 +0000 en-US hourly 1 https://wordpress.org/?v=4.4.11 http://i0.wp.com/www.cybertesis.cl/wp-content/uploads/2016/03/cropped-favicon.png?fit=32%2C32 Community Education Portal http://www.cybertesis.cl 32 32 Strategies You Need to Know to Get Out of Debt After Graduation http://www.cybertesis.cl/student-loans/strategies-you-need-to-know-to-get-out-of-debt-after-graduation/ Mon, 29 Aug 2016 23:10:50 +0000 http://www.cybertesis.cl/?p=103 If you find yourself in a lot of debt when you graduate from college, know that you are not alone. In fact, many students graduate with student loan debt and the average amount is somewhere around $30,000 to $40,000. That is A LOT of money and you will find it difficult to wrap your head […]

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If you find yourself in a lot of debt when you graduate from college, know that you are not alone. In fact, many students graduate with student loan debt and the average amount is somewhere around $30,000 to $40,000.

That is A LOT of money and you will find it difficult to wrap your head around it, especially if you do not have a job yet. Luckily for you, you do not have to start paying back your federal student loans until six months after your graduation. This means that you can look for a job and start getting paid BEFORE you have to worry about your debt.

Ready to start working on getting yourself out of debt?

  1. Identify Which Loans to Pay Off First

fsd5shg33If you have multiple loans in your name, work to identify which ones need to be paid down first. For instance, you want to pay down the ones with the highest interest rates even though they may be the smallest ones.

Interest on your loans can easily skyrocket the total cost of your loan and you will pay thousands of dollars over the course of the loan’s term.

  1. Refinance Your Loans

Refinancing your student loans is a good idea, especially if you are qualified to do so. When you refinance, you will receive a lower interest rate from the new lender and this results in thousands of dollars in savings.

The first place you will see the savings is in your monthly payment and the second place is in the length of the loan terms. For example, if you pay 6.8 percent interest now and your new lender drop the interest to 3.5 percent, you will save $10,000 or more in interest payments over the course of the loan.

Before you get too excited, you do have to apply for and be approved for refinancing, which often means you need a cosigner.

  1. Pay More Than the Minimum

One of the fastest and easiest ways to get out of debt after graduation is to pay more than the minimum amount required on your student loans. Your loan lender will send you a monthly statement that tells you how much you need to pay to keep your account in good standing. This amount is usually dragged out over 10 or 20 years.

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Even if you can only afford to send in an extra $10 or $20 per month, you will find that you can cut the term of your loan in half in many cases. If you do not have the extra to send each month, send in extra when you receive a cash windfall. A cash windfall is best described as a lotto winning, a tax refund, etc.

If you have recently graduated and you are trying to get out of debt, consider the above ways to help get you out of debt quickly. You will find that if you set realistic goals and work towards them that you can get your debt paid down.

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5 Ways to Save Yourself Money on Your Student Loan Debt http://www.cybertesis.cl/student-loans/5-ways-save-money-student-loan-debt/ Wed, 15 Jun 2016 15:20:04 +0000 http://www.cybertesis.cl/?p=95 If you are thinking about taking out student loans for college, it is important that you sit down and think about your options prior to signing any contracts. Many students find themselves buried to their eyeballs in debt because they end up not paying attention to the amount that they are borrowing. Remember, all student […]

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If you are thinking about taking out student loans for college, it is important that you sit down and think about your options prior to signing any contracts. Many students find themselves buried to their eyeballs in debt because they end up not paying attention to the amount that they are borrowing.

Remember, all student loans must be paid back and you are responsible for the debt, whether or not you can afford it. Below, we will go over some of the different ways that you can save yourself money on your student loan debt.

  1. Only Take Out What You Need

The first way you can save yourself money on your student loans is to only take out the amount of money you need. For example, if you are offered $5,000 for one semester, but you know you only need $3,000, do not take out the whole $5,000.

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Taking out too much money is how students find themselves drowning in debt when they are out of school. That $5,000 does not seem like a lot now, but five semesters and you already owe $25,000 and likely do not even have your Bachelor’s degree yet.

  1. Exhaust Free Money Options

Before you simply apply for loans and accept them, make sure that you exhaust all free money options that are available to you. When we say free money options, we are talking about scholarships and grants.

For example, see if you qualify for the Pell Grant. Students with a financial need often qualify for this grant and you can receive up to $5,000 or more. Sometimes, depending on your program and the school you choose, you may only need to take out a small loan to finish paying off your college tuition.

  1. Pay Interest While You Are in School

The next thing you can do is pay off interest while you are in school. If you receive federal student loans, you can opt in to pay interest while you attend school or you can opt to not pay it until you start making actual payments.

To keep your costs lowered, you should pay the interest. Most interest is only a few dollars per month and no more than $50. If you can afford it, make sure you send the payments. Trust us, interest can add up to thousands of dollars over the course of your loan.

  1. Create a Budget

A budget will help you properly plan to make your student loan payments and also save money for your future. If you are working a job that does not pay a full livable salary, you will quickly find out that you have to give up some of the things you love the most to pay your debt down.

While these sacrifices may be hard, you will definitely thank yourself later for living a year or two in a tough position to not have to worry about paying your student loans when you are 40 or even 50.

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  1. Make a Plan for Yourself

Lastly, you need to sit down and make a plan for yourself and this plan should include what your goals are and how you plan to save and budget. It may seem easy to make a plan, but as you get into the meat of it, you may struggle to figure out how you will pay for some bills and how you will afford to eat.

While you consider and write out your plan, think about some of your payment options as well. Federal student loans offer an income-based repayment program that structures your payments based off of the amount of income you make per year. This is beneficial for you because if you have a tough year, your payment amount could essentially be $0.

While paying down your student loans is not something you want to do, it is something that needs to be done. The above five tips will help you save as much money as possible on your federal student loans. When you do consider a loan, make sure you think about it first and evaluate your situation BEFORE you just sign the contract. Planning will help you make wise decisions.

 

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Essentials Of Education http://www.cybertesis.cl/education/essentials-of-education/ Mon, 15 Feb 2016 15:29:32 +0000 http://www.cybertesis.cl/?p=34 Education plays a critical role in our lives. Notably, this topic has attracted heated debates in the recent past. This begs the question, what is education? How different is it from schooling? Well, the main reason many people fail to arrive at a consensus is that most of them confuse education with schooling. As such, […]

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Education plays a critical role in our lives. Notably, this topic has attracted heated debates in the recent past.

This begs the question, what is education?

How different is it from schooling?

Well, the main reason many people fail to arrive at a consensus is that most of them confuse education with schooling.

As such, when the word is mentioned, what comes into their minds are places or institution of learning and a couple of professions that rely on formal education.

In this regard, this article explores education definition oxford.

First, education is a process of inviting facts, getting those facts and giving them time for discovery or application.

As such, notable scholars consider it a part of life and not the concept of preparation for a future living (career contexts). In this regard, real educators focus on acting with people and not on them.

Their primary objective is to develop some potential in the learners.

Essentials of Education

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Intention

Education should be a deliberate process. When educating others or being educated, act with an on objective of developing and cultivating important skills for future application. As such, the purpose of being educated can be for personal development (self-education) or helping others met their life goals.

Respect

For educators to achieve their objective of teaching others, education should be a process that is accompanied by respect for all stakeholders involved.

As such, there should be an attitude or mutual feeling between the educators and the learners. Ideally, when there is respect, were able to develop focus and derive meaning in what we are doing.

Informed Educators

According to education definition Oxford, to facilitate learning, the subjects involved should demonstrate a clear understanding of the subject.

Notably, teachers and educators should possess some knowledge that learners do not have. This is an essential part of knowledge transfer.

Actions

Education demands more than having educators and learners that are willing to learn.

For the process to complete, this process should be accompanied by some actions.

This includes educators making deliberate efforts of transferring knowledge and learners acting with some sensitivity of improving themselves.

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Acting with a Hope of sharing In future

As far as education is concerned, we have seen a thoughtful process accompanied by deliberate actions.

In this regard, education should be accepted with an objective of helping and individual or the society in future.

The commitment to improve lives is vital in education.

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Why you need to attend education technology conferences in 2016 http://www.cybertesis.cl/technology/need-attend-education-technology-conferences-2016/ Mon, 26 Oct 2015 15:34:03 +0000 http://www.cybertesis.cl/?p=40 Attending an educational technology conference is an excellent networking method that many people especially students don’t know. It will actually give you an opportunity to meet many people as well as exchange contact with people whom you share same ideology with. There are many educational technology conferences conducted in the US. In this article, we […]

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Attending an educational technology conference is an excellent networking method that many people especially students don’t know.

It will actually give you an opportunity to meet many people as well as exchange contact with people whom you share same ideology with.

There are many educational technology conferences conducted in the US.

In this article, we are going to focus on the benefits of attending education technology conferences 2016.

1. Networking.

Do you know that it is actually easy and simple to build a relationship with people in person rather than doing it over the phone or internet?

When you attend an education conference, you can talk with other like-minded people physically.

You can also interact in person with people whom you have been communicating with via Facebook, Twitter or LinkedIn, a factor that will help you expand your network.

2. New relationships

Attending an educational conference usually involves spending several days at a certain venue.

Therefore, if you attend such conferences, you will actually get a chance of forming new relationships with people whom you share the same ideologies.

It is actually a good arena to form a long term collision with other like-minded people who have attended the conference.

3. Career choice

Educational conferences are usually attended by real professionals who are currently working in that particular industry.

Attending an education conference in 2016 will give you a chance to interact with those professionals to help you make an informed decision on which career path to choose.

It will also help you know if you have chosen the right career path.

4. Gain knowledge

computer-472016_640This is arguably the most beneficial factor of attending an education conference.

Besides making contacts and establishing new relationships, education conferences will also help you gain knowledge or skills that you did not have before.

Education conferences are usually full of professionals who are eager and willing to share information with people who have attended that particular conference.

Besides gaining information on the career path that you have majored in, you will also get general skills from people who have attended the conference.

By the end of the conference you will become a better person both in terms of skills, experience as well as in expanding your network.

In conclusion, there are many education conferences that will be conducted this year.

These conferences are very beneficial especially to young people who are doing professional courses or those who are intending to do them. You should therefore try as much as possible to attend them at all cost.

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