KNOWLEDGEFINANCIAL.COM
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An investor, who represents a Florida real estate
investment Corporation
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An investor, who represents a Florida real estate
investment Corporation
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FINANCIAL AID
FREE SCHOLARSHIP FOR SCHOOL
FREE GOVERNMENT GRANTS MONEY FOR SCHOOL
LOW INTEREST RATE LOANS FROM THE NATION LARGEST SOURCES OF LOCAL, NATIONAL,
SPECIFIC SCHOLARSHIP.
THE EXECUTIVE MANAGER OF KNOWLEDGE FINANCIAL GROUP AND INVESTMENT IS WORKING
HARD TO MAKE SURE YOU KNOW WHERE AND HOW TO FIND THE NECESSARY HELP TO BOOST
YOURSELF WITH KNOWLEDGE, EDUCATION.
IT IS JUST A MATTER OF TRUST WHEN IT COMES TO SCHOOL LOANS, GRANTS FOR SCHOOL,
AND SCHOLARSHIP
My very first advice to you is exactly what our gut may be telling us about the financial aid
system.
Don’t trust the financial at any college, technical, or any university. There were and still certain
events have shown us that the people in charge of guiding folks to the best student loans were
only guiding kickbacks right into their own pockets.
Students listen to the school advisors only later learn that the advisor couldn’t care less which
agency had the best deal for the students, only who has the best under the table deal for
him/her.
Since KNOWLEDGEFINANCIAL.COM is promoting purely and simply education, financial
knowledge.
Let me give you a little back-to -school advisory about the student loan industry. This one of
those important areas where you need to look before you leap, and bring your reading glasses,
a sophisticated magnifying glasses would be better to help you read the fined print before you
sign anything.
WHEN IT COMES TO FINANCIAL AID LOANS, YOU HAVE THE RIGHT TO SHOP AROUND FOR THE
BEST RATES AND EVERYTHING IS NEGOTIABLE.
FEDERALLY GUARANTEED LOANS
Federally guaranteed loans are the best and the most desirable, they offer better interest rate
and better terms.
THE US DEPT. OF EDUCATION GIVES OUT IN LOANS, GRANTS, AND STUDENT AID. ----FOR MORE
INFORMATION CALL 1-800-4-FED-AID {1800-433-3243} OR VISIT EDUCATION WEBSITE FOR
GOVERNMENT HELP. CLICK HERE
| FREE SCHOLARSHIP FOR SCHOOL, FREE GOVERNMENT GRANTS MONEY FOR SCHOOL. LOW INTEREST RATE LOANS FROM THE NATION LARGEST SOURCES OF LOCAL, NATIONAL, SPECIFIC SCHOLARSHIP. AND FIND THE SCHOOL OF YOUR CHOICE.. |
I want to give you a very quick overview of the federal student loans. The basic student
loan is the Stafford loan. There two types that fall under this umbrella.
THE FEDERAL DIRECT STUNDENT LOAN PROGRAM [ FDSLP] ARE THE GOVERNMENT DRECT LOANS TO STUDENTS.
AND THE FEDERAL FAMILY EDUCATION LOAN PROGRAM [FFELP] ARE LOANS GIVEN BY PRIVATE LENDERS BUT ARE
GUARANTEED BY THE FEDERAL GOVERNMENT.
THERE IS ANOTHER FEDERAL LOAN CALLED THE PERKINS LOAN. THE SCHOOLS HAVE FUND PROVIDED BY THE GOVERNMENT
FOR THESE LOANS.
STUDY ABROAD---FREE OF CHARGE
The US department of education has all kinds of programs designed for current students to travel abroad to study. Free money
to fund traveling and living expenses. FOR MORE INFORMATION VISIT:WWW.ED.GOV/PROGRAMS/IEGPSFLASF/INDEX.HTML
IN ADDITION, SEE WWW.WORLDSTUDY.GOV/OVERVIEW2.HTML FOR SCHOLARSHIPS AND FELLOWSHIPS THAT PROVIDE
SIGNIFICANT FUNDING FOR STUDY ABROAD AND I US.
THERE ARE COUNTLESS PROGRAMS AVAILABLE TO YOU. YOUR LOCAL COMMUNITY MAY HAVE PROGRAMS TO HELP YOU WITH
AFTER SCHOOL CARE. FOR FREE CARE INFORMATION, CONTACT: GO TO SCHOOL WWW.SALVATIONARMYUSA.ORG BE
SUCCESSFUL OR WWW.VICTORY CATHOLICCHARITIESUSA.WIN ORG
MANY GRANTS AND FELLOSHIPS ARE AVAILABLE, CONTACT: FREE MONEY, GRANTS MONEY FROM THE GOV. AND PRIVATE
SECTOR.
The federal student loan programs offered at www.staffordloan.com
a service of the Student Loan Network. As part of the full suite of products and services, the Student Loan Network offers
Stafford Loans for undergraduate and graduate students and federal loan consolidation services for recent graduates.
You must submit the Free Application for Federal Student Aid (FAFSA) if you want to apply for federal and state financial aid.
Many colleges and universities, especially public institutions, also require the FAFSA. You must submit the FAFSA every year
that you want aid.
The best option is to complete the web-based version of the FAFSA at www.fafsa.ed.gov, known as FAFSA on the Web. It
includes step-by-step instructions for completing the online FAFSA as well as pre-application worksheets. You can obtain a PIN
to electronically sign the form by visiting www.pin.ed.gov. If you have technical questions about using FAFSA on the Web, call
1-800-4-FED-AID.
Students have the possibility to consolidate their school loans to a lower interest rate. FOR MORE INFORMATION, CLICK ON
Loanconsolidation help.ed to school.gov
Getting a student loanSallie Mae has helped millions of students and families achieve their dreams of higher education. For
more than 30 years we've offered a broad range of federal and private student loan programs featuring low interest rates and
flexible repayment options. VISIT: WWW.SCHOOLSALLIEMAE SUCCESS.COM
loan is the Stafford loan. There two types that fall under this umbrella.
THE FEDERAL DIRECT STUNDENT LOAN PROGRAM [ FDSLP] ARE THE GOVERNMENT DRECT LOANS TO STUDENTS.
AND THE FEDERAL FAMILY EDUCATION LOAN PROGRAM [FFELP] ARE LOANS GIVEN BY PRIVATE LENDERS BUT ARE
GUARANTEED BY THE FEDERAL GOVERNMENT.
THERE IS ANOTHER FEDERAL LOAN CALLED THE PERKINS LOAN. THE SCHOOLS HAVE FUND PROVIDED BY THE GOVERNMENT
FOR THESE LOANS.
STUDY ABROAD---FREE OF CHARGE
The US department of education has all kinds of programs designed for current students to travel abroad to study. Free money
to fund traveling and living expenses. FOR MORE INFORMATION VISIT:WWW.ED.GOV/PROGRAMS/IEGPSFLASF/INDEX.HTML
IN ADDITION, SEE WWW.WORLDSTUDY.GOV/OVERVIEW2.HTML FOR SCHOLARSHIPS AND FELLOWSHIPS THAT PROVIDE
SIGNIFICANT FUNDING FOR STUDY ABROAD AND I US.
THERE ARE COUNTLESS PROGRAMS AVAILABLE TO YOU. YOUR LOCAL COMMUNITY MAY HAVE PROGRAMS TO HELP YOU WITH
AFTER SCHOOL CARE. FOR FREE CARE INFORMATION, CONTACT: GO TO SCHOOL WWW.SALVATIONARMYUSA.ORG BE
SUCCESSFUL OR WWW.VICTORY CATHOLICCHARITIESUSA.WIN ORG
MANY GRANTS AND FELLOSHIPS ARE AVAILABLE, CONTACT: FREE MONEY, GRANTS MONEY FROM THE GOV. AND PRIVATE
SECTOR.
The federal student loan programs offered at www.staffordloan.com
a service of the Student Loan Network. As part of the full suite of products and services, the Student Loan Network offers
Stafford Loans for undergraduate and graduate students and federal loan consolidation services for recent graduates.
You must submit the Free Application for Federal Student Aid (FAFSA) if you want to apply for federal and state financial aid.
Many colleges and universities, especially public institutions, also require the FAFSA. You must submit the FAFSA every year
that you want aid.
The best option is to complete the web-based version of the FAFSA at www.fafsa.ed.gov, known as FAFSA on the Web. It
includes step-by-step instructions for completing the online FAFSA as well as pre-application worksheets. You can obtain a PIN
to electronically sign the form by visiting www.pin.ed.gov. If you have technical questions about using FAFSA on the Web, call
1-800-4-FED-AID.
Students have the possibility to consolidate their school loans to a lower interest rate. FOR MORE INFORMATION, CLICK ON
Loanconsolidation help.ed to school.gov
Getting a student loanSallie Mae has helped millions of students and families achieve their dreams of higher education. For
more than 30 years we've offered a broad range of federal and private student loan programs featuring low interest rates and
flexible repayment options. VISIT: WWW.SCHOOLSALLIEMAE SUCCESS.COM
When applying for a
student loan it's
important to understand
the financial aid
process, your rights and
responsibilities as a
borrower, how a
cosigner could save you
money, and how to
check the status of your
loan once you've
applied. FOR MORE
INFORMATION --
CLICK RIGHT HERE WWW.
FLORIDASTUDENTFINANC
IALAID.ORG,
FAFSA.ED.GOV on the Web
offers several benefits,
including: WWW.TO PIN.ED
LEARN. FAST.GOV
You will get your Student Aid
Report (SAR) sooner than with
the paper or PDF forms.
Your FAFSA will be more
accurate, since the FAFSA on
the Web has built-in edit
checks to catch simple errors
and you avoid errors
introduced by the OCR process.
You will save the federal
government money by
reducing their processing
costs. WWW.HELP FOR YOU
FINAID.LEARN ORG
The online FAFSA allows you to
list up to ten colleges, while
the paper FAFSA has space
only for four colleges
The exceptions involve
organizations that work with
underrepresented populations
and students that do not have
access to the Internet or a
phone.) However, students
may obtain up to three copies
of the paper version by calling
1-800-4-FED-AID ----( 1-800-433-
3242 ) or 1-391-337-5665.
(Hearing impaired individuals
should call the TTY number 1-
800-730-8913 .) Paper FAFSAs
can be ordered starting
November 1 of each year.
2008-09
Critical Teacher Shortage
Student Loan Forgiveness
Program
Fact Sheet
How Does a Teacher Apply?
Application
The teacher will:
Submit for 2008-09 Teaching
Service, a fully completed
error free 2009-10 Initial
Teacher Florida Financial Aid
Application to the Florida
Department of Education
(FDOE), Office of Student
Financial Assistance (OSFA)**
at www.
FloridaStudentFinancialAid.org.
Select State Grants,
Scholarships & Applications,
Apply Here, and then Initial
State Teacher Application. This
application is available online
January 1, 2009.
The deadline is July 15 of the
first school year in which the
applicant taught full-time for at
least 90 days as a certified
teacher in a CTS subject area.
If a teacher has taught more
than 90 days but fewer than
180 days, the teacher may
reapply as an initial applicant
during the next application
period or receive a prorated
award for the current
application period.
Contact OSFA toll-free at 1-888-
827-2004 if the application
acknowledgement
correspondence has not been
received within ten business
days following date of
submission.
Submit academic transcript(s)
from postsecondary
educational institution(s) from
which a baccalaureate degree,
or higher, was received prior
to becoming a certified
teacher in a CTS subject area.
If the applicant attended a
Florida postsecondary
institution (PSI), the
Postsecondary Institution
Certification Form must be
completed by the institution’s
designated employee online
using the PSI Teacher
Certification Reports at www.
FloridaStudentFinancialAid.org,
and submitted to OSFA by July
15, 2009.
If the applicant attended an out-
of-state institution, he/she
must submit transcripts to
OSFA by July 15, 2009. An
applicant may request that the
out-of-state postsecondary
institution(s) submit his/her
transcript(s) to OSFA** or the
applicant may submit an
unofficial transcript(s). All
submissions must verify that a
degree was received.
An applicant should validate
FDOE’s receipt of the
completed form or transcript
information online by using the
User ID and PIN*** issued in
the application
acknowledgement
correspondence.
student loan it's
important to understand
the financial aid
process, your rights and
responsibilities as a
borrower, how a
cosigner could save you
money, and how to
check the status of your
loan once you've
applied. FOR MORE
INFORMATION --
CLICK RIGHT HERE WWW.
FLORIDASTUDENTFINANC
IALAID.ORG,
FAFSA.ED.GOV on the Web
offers several benefits,
including: WWW.TO PIN.ED
LEARN. FAST.GOV
You will get your Student Aid
Report (SAR) sooner than with
the paper or PDF forms.
Your FAFSA will be more
accurate, since the FAFSA on
the Web has built-in edit
checks to catch simple errors
and you avoid errors
introduced by the OCR process.
You will save the federal
government money by
reducing their processing
costs. WWW.HELP FOR YOU
FINAID.LEARN ORG
The online FAFSA allows you to
list up to ten colleges, while
the paper FAFSA has space
only for four colleges
The exceptions involve
organizations that work with
underrepresented populations
and students that do not have
access to the Internet or a
phone.) However, students
may obtain up to three copies
of the paper version by calling
1-800-4-FED-AID ----( 1-800-433-
3242 ) or 1-391-337-5665.
(Hearing impaired individuals
should call the TTY number 1-
800-730-8913 .) Paper FAFSAs
can be ordered starting
November 1 of each year.
2008-09
Critical Teacher Shortage
Student Loan Forgiveness
Program
Fact Sheet
How Does a Teacher Apply?
Application
The teacher will:
Submit for 2008-09 Teaching
Service, a fully completed
error free 2009-10 Initial
Teacher Florida Financial Aid
Application to the Florida
Department of Education
(FDOE), Office of Student
Financial Assistance (OSFA)**
at www.
FloridaStudentFinancialAid.org.
Select State Grants,
Scholarships & Applications,
Apply Here, and then Initial
State Teacher Application. This
application is available online
January 1, 2009.
The deadline is July 15 of the
first school year in which the
applicant taught full-time for at
least 90 days as a certified
teacher in a CTS subject area.
If a teacher has taught more
than 90 days but fewer than
180 days, the teacher may
reapply as an initial applicant
during the next application
period or receive a prorated
award for the current
application period.
Contact OSFA toll-free at 1-888-
827-2004 if the application
acknowledgement
correspondence has not been
received within ten business
days following date of
submission.
Submit academic transcript(s)
from postsecondary
educational institution(s) from
which a baccalaureate degree,
or higher, was received prior
to becoming a certified
teacher in a CTS subject area.
If the applicant attended a
Florida postsecondary
institution (PSI), the
Postsecondary Institution
Certification Form must be
completed by the institution’s
designated employee online
using the PSI Teacher
Certification Reports at www.
FloridaStudentFinancialAid.org,
and submitted to OSFA by July
15, 2009.
If the applicant attended an out-
of-state institution, he/she
must submit transcripts to
OSFA by July 15, 2009. An
applicant may request that the
out-of-state postsecondary
institution(s) submit his/her
transcript(s) to OSFA** or the
applicant may submit an
unofficial transcript(s). All
submissions must verify that a
degree was received.
An applicant should validate
FDOE’s receipt of the
completed form or transcript
information online by using the
User ID and PIN*** issued in
the application
acknowledgement
correspondence.
Loan Forgiveness Programs
VISIT:WWW.ATF.
ORG/TOOLS4TEACHERS/LOANS
-FORGIVENESS.HTML
REPAYMENT AND
FORGIVENESS PROGRAMS
OPM--The office of personal
management is an authorized
government agency to set up
student loan repayment
programs. For more
information, visit: www.opm.
gov
LOANS FORGIVENESS
PROGRAMS; PROGRAMS THAT
ALLOW TO SAY BYE BYE LOAN,
MEANS THEY CANCED IT OUT,
ADIOS,IT’S GONE BY DOING
VOLUNTEER WORK, TEACHING,
SERVING IN THE MILITARY,
OR PUSUING LEGAL OR
MEDICAL STUDIES. VISIT:WWW.
FINAID.
ORG/LOANS/FORGIVENESS.
PHTML
VOLUNTEERING
AmeriCorps. You must serve at
least 12 months to receive
about $4000.00 for your
student loan repayment.
PHONE--800-942-2677
PEACE CORPS. You must serve
for at least two years before
you can defer your student
loans. PHONE----800-424-8580
VOLUNTEERS IN SERVICE TO
AMERICA[VISTA] You must
serve 1700 hours before you
can receive about $4000.00----
PHONE--800-942-2677
TEACHING
Those who willing to teach in
low-income areas will receive
partial loan forgiveness or
repayment.
THE FEDERAL STUDENT LOAN
FORGIVENESS LAW: COLLEGE
COST REDUCTION AND
ACCESS ACT OF 2007*
Visit: WWW.
EQUALJUSTICEWORKS.ORG
VISIT:WWW.ATF.
ORG/TOOLS4TEACHERS/LOANS
-FORGIVENESS.HTML
REPAYMENT AND
FORGIVENESS PROGRAMS
OPM--The office of personal
management is an authorized
government agency to set up
student loan repayment
programs. For more
information, visit: www.opm.
gov
LOANS FORGIVENESS
PROGRAMS; PROGRAMS THAT
ALLOW TO SAY BYE BYE LOAN,
MEANS THEY CANCED IT OUT,
ADIOS,IT’S GONE BY DOING
VOLUNTEER WORK, TEACHING,
SERVING IN THE MILITARY,
OR PUSUING LEGAL OR
MEDICAL STUDIES. VISIT:WWW.
FINAID.
ORG/LOANS/FORGIVENESS.
PHTML
VOLUNTEERING
AmeriCorps. You must serve at
least 12 months to receive
about $4000.00 for your
student loan repayment.
PHONE--800-942-2677
PEACE CORPS. You must serve
for at least two years before
you can defer your student
loans. PHONE----800-424-8580
VOLUNTEERS IN SERVICE TO
AMERICA[VISTA] You must
serve 1700 hours before you
can receive about $4000.00----
PHONE--800-942-2677
TEACHING
Those who willing to teach in
low-income areas will receive
partial loan forgiveness or
repayment.
THE FEDERAL STUDENT LOAN
FORGIVENESS LAW: COLLEGE
COST REDUCTION AND
ACCESS ACT OF 2007*
Visit: WWW.
EQUALJUSTICEWORKS.ORG
Knowledgefinancial.com has been created to serve as a comprehensive website for all things pertain : Investment,
Real Estate market, Mortgage & Loans, American Credit Card system, the Financial market and to discover new
money making, money saving tools & ideas etc.
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Phone- 786-709-6577
Licensed Real Estate Agent
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Licensed Insurance Agent
Website:
www.knowledgefinancial.co
m
Exclusive INFORMATION and
Products About: Grants, Tax
liens, Tax Deed, Foreclosure
Deals. FREE ACCESS! Learn
More..
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,,FREE Business Ownership.
SECURITY ECONOMIC PLAN--
FINANCIAL, INSURANCE &
INVESTMENT SOLUTIONS
to help you start your own
business. Learn More...
Be your own boss, make
extra money, secure your
financial future, obtain
financial freedom.
NO-COSTS, NO CHARGES!
YES!
--------------------------
,,Grant Money, free Money
From the U.S. Government.
You May Qualify For Real
Government Funding. Find
Out What You Need to Know
to APPLY... Funding
Opportunities Available for
All United States Citizens.
APPLY KNOW!
--FREE, FREE: How to make
profits with a financial
services company?.. Start
your own business EASY &
SIMPLE, be your own boss,
make extra money, secure
your financial
future, obtain financial
freedom. LEARN MORE!--
.FINANCIAL SERVICES
ADVANTAGES, TERM
INSURANCE GENERAL
KNOWLEDGE. Buy the term,
and invest the difference.
FREE SERVICE..
INVESTMENT PRODUCTS:
Investing & Money
Management Basics.
FINANCIAL SOLUTIONS,
TOOLS & RESOURCES.
LEARN MORE...
INSURANCE PRODUCTS: How
to make profits with the
insurance companies?
SECURITY PRODUCTS for
yourself and your family--
FREE SERVICE--SECURITY
ECONOMIC PLAN---
FINANCIAL, INSURANCE &
INVESTMENT SOLUTIONS--
to help you start your own
business--
ANTONY JEANTY
Phone- 786-709-6577
Licensed Real Estate Agent
Licensed Mortgage Broker
Licensed Insurance Agent
Website:
www.knowledgefinancial.co
m
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Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are steps
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Insurance Products: How to make profits with the insurance companies? Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid personal financial plan. The right insurance policies will go a long way
toward helping you safeguard your earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL KNOWLEDGE, GLOBAL
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FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND
BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their
standards of living, can help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are steps
you can take regarding the third - lifestyle. You could lower your insurance premium if you:
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6 Tips to Pay Less for a College Degree
FREE STUFFS
Judging by the headlines, it’s easy to believe the cost of college puts it out of reach for all but the most affluent. According
to the College Board, average annual tuition at a four-year private college now tops $26,000. If you just look at the sticker
price, four years at a private university approaches the cost of a Rolls Royce.
But that doesn’t mean only the rich need apply. While the sticker price may be $26,000, the College Board says the average
price actually paid at private colleges is less than $9,000. How can that be?
Here are six strategies you can harness to get your degree at a discount.
1. Scholarships
The search for scholarships isn’t just for those just graduating from high school. It’s a process that should continue
throughout your college career. It’s something you should never pay a fee for.
Start with the web. Here are some sites that can hook you up with free scholarship searches:
•College Board
•ScholarshipCoach.com
•FinAid.org
•College-Scholarships.com
•College Answer
And don’t forget to beat the local bushes as well. Awards from the local Rotary, YMCA or Kiwanis Club may not be as big or
as convenient to apply for, but there’s also less competition. You can find out about home-grown awards at your local
library or high schools.
2. Accelerated Degrees
While it’s not easy, it’s possible to earn a four-year degree in three years at some schools and in some fields by taking
accelerated classes: essentially stuffing a full semester’s worth of work into six- or eight-week classes. Not all schools
offer this option, but those that do can save you a ton of tuition money.
3. Start at a less expensive school
Consider a community college or other less expensive option for the first two years, then transfer to the university whose
name you’d like to see on your degree. This is probably the single biggest way to save on a college education. Not only do
you save on tuition costs, attending a community college might also allow you to stay under your parents’ roof and save
housing expenses as well.
Be careful. Make sure the courses you’re taking at your less expensive school will transfer. Look for an articulation
agreement from the school where you intend to graduate to see which schools they accept credits from, as well as the
grades they expect you to maintain in order to transfer.
4. Love the school that loves you
In the video above, University of Miami Financial Aid Administrator Jim Bauer says, “”You can’t shop for a college the way
you shop for a car. If you walk in to buy a car, you aren’t going to sit down with a salesman and have them say, you’re a
good guy, you’ve lived a good life so far, so we’re going to knock another $10,000 off. That doesn’t happen in other kinds of
purchase other than essentially education.”
Why would a school make tuition more affordable for some students? Because they want those students. While Harvard
might not be knocking down your door, there could be other schools that want you enough to offer enticing discounts, aid
and scholarships.
What you have to do is look for the school that’s looking for you. Obviously, the more you have to offer, the more of these
schools you’ll find. But consult college guides, comparing your grades and SAT scores to the averages at various schools.
If you’d fit in the top 20% to 25%, consider applying.
While this strategy may not land you in the university of your dreams, there’s still the option of transferring later – and
saving a ton of money in the meantime.
5. Check out schools that don’t charge tuition
According to this article in Business Week, there are at least 11 schools that offer a tuition-free education for some
students. Here they are:
6. Volunteer for loan forgiveness
If you’re going to incur debt to get your degree, consider exchanging post-graduate community service for federal
education debt forgiveness.
Debt-forgiveness programs are available for teachers, medical professionals, lawyers, nurses and others.
•For medical degrees, the National Health Services
•For teachers, see this Federal Student Aid .---
•Nurses should check out the Nursing Education Loan Repayment Program.--
•Law students should ask their law school about loan forgiveness or loan repayment programs, but here’s an
American Bar Association list of law schools that offer loan forgiveness.---
•Peace Corps volunteers can get forgiveness of Perkins loans: here’s the info.---
•Volunteer for AmeriCorps or Volunteers in Service to America (VISTA) and you can get educational awards of $4,725 for
each year of service. These awards can be applied to student loans or future education expenses.
FREE STUFFS
Judging by the headlines, it’s easy to believe the cost of college puts it out of reach for all but the most affluent. According
to the College Board, average annual tuition at a four-year private college now tops $26,000. If you just look at the sticker
price, four years at a private university approaches the cost of a Rolls Royce.
But that doesn’t mean only the rich need apply. While the sticker price may be $26,000, the College Board says the average
price actually paid at private colleges is less than $9,000. How can that be?
Here are six strategies you can harness to get your degree at a discount.
1. Scholarships
The search for scholarships isn’t just for those just graduating from high school. It’s a process that should continue
throughout your college career. It’s something you should never pay a fee for.
Start with the web. Here are some sites that can hook you up with free scholarship searches:
•College Board
•ScholarshipCoach.com
•FinAid.org
•College-Scholarships.com
•College Answer
And don’t forget to beat the local bushes as well. Awards from the local Rotary, YMCA or Kiwanis Club may not be as big or
as convenient to apply for, but there’s also less competition. You can find out about home-grown awards at your local
library or high schools.
2. Accelerated Degrees
While it’s not easy, it’s possible to earn a four-year degree in three years at some schools and in some fields by taking
accelerated classes: essentially stuffing a full semester’s worth of work into six- or eight-week classes. Not all schools
offer this option, but those that do can save you a ton of tuition money.
3. Start at a less expensive school
Consider a community college or other less expensive option for the first two years, then transfer to the university whose
name you’d like to see on your degree. This is probably the single biggest way to save on a college education. Not only do
you save on tuition costs, attending a community college might also allow you to stay under your parents’ roof and save
housing expenses as well.
Be careful. Make sure the courses you’re taking at your less expensive school will transfer. Look for an articulation
agreement from the school where you intend to graduate to see which schools they accept credits from, as well as the
grades they expect you to maintain in order to transfer.
4. Love the school that loves you
In the video above, University of Miami Financial Aid Administrator Jim Bauer says, “”You can’t shop for a college the way
you shop for a car. If you walk in to buy a car, you aren’t going to sit down with a salesman and have them say, you’re a
good guy, you’ve lived a good life so far, so we’re going to knock another $10,000 off. That doesn’t happen in other kinds of
purchase other than essentially education.”
Why would a school make tuition more affordable for some students? Because they want those students. While Harvard
might not be knocking down your door, there could be other schools that want you enough to offer enticing discounts, aid
and scholarships.
What you have to do is look for the school that’s looking for you. Obviously, the more you have to offer, the more of these
schools you’ll find. But consult college guides, comparing your grades and SAT scores to the averages at various schools.
If you’d fit in the top 20% to 25%, consider applying.
While this strategy may not land you in the university of your dreams, there’s still the option of transferring later – and
saving a ton of money in the meantime.
5. Check out schools that don’t charge tuition
According to this article in Business Week, there are at least 11 schools that offer a tuition-free education for some
students. Here they are:
6. Volunteer for loan forgiveness
If you’re going to incur debt to get your degree, consider exchanging post-graduate community service for federal
education debt forgiveness.
Debt-forgiveness programs are available for teachers, medical professionals, lawyers, nurses and others.
•For medical degrees, the National Health Services
•For teachers, see this Federal Student Aid .---
•Nurses should check out the Nursing Education Loan Repayment Program.--
•Law students should ask their law school about loan forgiveness or loan repayment programs, but here’s an
American Bar Association list of law schools that offer loan forgiveness.---
•Peace Corps volunteers can get forgiveness of Perkins loans: here’s the info.---
•Volunteer for AmeriCorps or Volunteers in Service to America (VISTA) and you can get educational awards of $4,725 for
each year of service. These awards can be applied to student loans or future education expenses.
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REALTOR. AT: 786-709-6577 -- Fortune International Realty. --- CLIENTS COMPLETE SATISFACTION GUARANTEED !
HOME-SELLING --
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REALTOR. AT: 786-709-6577 -- Fortune International Realty. --- CLIENTS COMPLETE SATISFACTION GUARANTEED !
HOME-SELLING --
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| ..Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! ..Insurance General Information: Ways to Make Money & Save Money on Your Insurance. Learn More... ..Term Insurance Advantages, Term Insurance General Knowledge. Buy the Term, and invest the difference. Learn More... ..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or Check How Much You Can Pay For a Life Insurance... ..Investment Products: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... Insurance Products: How to make profits with the insurance companies? Learn More. ..Five Insurance Policies Everyone Should Have Protecting your most important assets is an important step in creating a solid personal financial plan. |
| About Twitter Twitter is an easy way to keep up with the people, organizations, and events you care about - and to share your thoughts instantaneously. CLICK ON: Twitter-1 ----- Twitter-2 ------- Twitter-3 About Facebook-1... ANTONY'S PAGE-1... Millions of people use Facebook everyday to keep up with friends, Share Important Information, News, Events, links photos, and videos. About Facebook-2--- ANTHONY'S PAGE-2... About Tagged, Connect with me on Tagged Create a community on tagged and you can share photos, journals and interests with your growing network of mutual friends! Click here to see how much you can accomplish... ''Business People, Professionals, Investors Connect to Linkedin- Link With me Now For Questions and Answers''-- |
1. -10 Things People Buy They
Should Get Free--
There are plenty of free things
you can Get from the web as
well as from libraries, parks,
banks and other businesses.
Here’s a look at more than a
half dozen valuable freebies:
2. FREE STUFFS, Free
Unlimited Calling, Local &
Long-distance Free, Free 411
Information calls : Make
Google Voice, Skype,
Magicjack Work For You.--
Free Cable TV.
Get Free Stuffs Now.
3. -FREE Faxes, FREE Books
and FREE Music--
FREE STUFFS, More Free
Things Your Hotel Desk Clerk
Won’t Tell You.
Click Here For Hotel Free
Stuffs...
4. 6 Tips to Pay Less for a
College Degree.
FINANCIAL AID
FREE SCHOLARSHIP FOR
SCHOOL
FREE GOVERNMENT GRANTS
MONEY FOR SCHOOL--
5. -Medical and Nursing
Resources for professionals
in the Medical & nursing
industry- Information on
nursing, hospital, Nursing
News, Nursing Jobs,
Nurse Continuing Education,
Nursing Schools and Financial
aid information --
6. - Apply for unemployment,
Apply Food Stamps,
Find Jobs, Register a
Business--
Should Get Free--
There are plenty of free things
you can Get from the web as
well as from libraries, parks,
banks and other businesses.
Here’s a look at more than a
half dozen valuable freebies:
2. FREE STUFFS, Free
Unlimited Calling, Local &
Long-distance Free, Free 411
Information calls : Make
Google Voice, Skype,
Magicjack Work For You.--
Free Cable TV.
Get Free Stuffs Now.
3. -FREE Faxes, FREE Books
and FREE Music--
FREE STUFFS, More Free
Things Your Hotel Desk Clerk
Won’t Tell You.
Click Here For Hotel Free
Stuffs...
4. 6 Tips to Pay Less for a
College Degree.
FINANCIAL AID
FREE SCHOLARSHIP FOR
SCHOOL
FREE GOVERNMENT GRANTS
MONEY FOR SCHOOL--
5. -Medical and Nursing
Resources for professionals
in the Medical & nursing
industry- Information on
nursing, hospital, Nursing
News, Nursing Jobs,
Nurse Continuing Education,
Nursing Schools and Financial
aid information --
6. - Apply for unemployment,
Apply Food Stamps,
Find Jobs, Register a
Business--
Have You Talked to a
Primerica Representative
Lately? If not, Give them a call..
Sout Florida #: 786-709-6577
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Primerica is in the Business
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Be Properly Protected, and
Financially Independent. How?
South Florida,
Call a Representative
at: 786-709-6577 --
A JOB, OR A BUSINESS
OPPORTUNITY IS AVAILABLE
FOR YOU, YOUR FRIENDS, OR
FAMILY MEMBERS... IT'S
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TO LEARN MORE: South
Florida, JUST CALL ANTHONY
AT: 786-709-6577
GET HIRED, START WORKING
IMMEDIATELY WITH
ONE OF THE GREATEST
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COMPANY.
Primerica Representative
Lately? If not, Give them a call..
Sout Florida #: 786-709-6577
--New Opportunities Are Only
a Phone Call Away.
Primerica is in the Business
of Changing Lives by Helping
Families Becoming Debt Free,
Be Properly Protected, and
Financially Independent. How?
South Florida,
Call a Representative
at: 786-709-6577 --
A JOB, OR A BUSINESS
OPPORTUNITY IS AVAILABLE
FOR YOU, YOUR FRIENDS, OR
FAMILY MEMBERS... IT'S
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TO LEARN MORE: South
Florida, JUST CALL ANTHONY
AT: 786-709-6577
GET HIRED, START WORKING
IMMEDIATELY WITH
ONE OF THE GREATEST
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COMPANY.
IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL Mr. ANTONY A PROFESSIONAL
REALTOR. AT: 786-709-6577 -- Fortune International Realty. --- CLIENTS COMPLETE SATISFACTION GUARANTEED !
HOME-SELLING -- -' -REAL ESTATE SERVICES-- HOME-BUYING -- REAL ESTATE INFO.---- MORTGAGE LOANS INFO. -- ''
'INVESTMENT & FINANCE: METHODS, TECHNIQUES, AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
REALTOR. AT: 786-709-6577 -- Fortune International Realty. --- CLIENTS COMPLETE SATISFACTION GUARANTEED !
HOME-SELLING -- -' -REAL ESTATE SERVICES-- HOME-BUYING -- REAL ESTATE INFO.---- MORTGAGE LOANS INFO. -- ''
'INVESTMENT & FINANCE: METHODS, TECHNIQUES, AND STRATEGIES. WHERE, WHEN, HOW TO INVEST?
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hospitals with job position open..
-FREE SCHOLARSHIP FOR SCHOOL--''FREE GOVERNMENT GRANTS MONEY FOR SCHOOL---LOW INTEREST RATE LOANS FROM THE NATION
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LARGEST SOURCES OF LOCAL, NATIONAL SCHOLARSHIP--
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Complete Your FAFSA Now for Federal
Student Aid. By Phone or Online.
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Student Aid. By Phone or Online.
--Home - FAFSA on the Web-Federal Student Aid
Electronically submit the Free Application for Federal Student Aid
(FAFSA). All students interested in financial aid for college will need
to complete this form.
Electronically submit the Free Application for Federal Student Aid
(FAFSA). All students interested in financial aid for college will need
to complete this form.
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''Federal Stafford Loans are a form of Federal
Financial Aid to help an undergraduate or graduate
student pay for their education.
''Subsidized Stafford Loans - They're in Your Interest
Subsidized Stafford Loans are federal Stafford Loans
that are offered to undergraduate and graduate
students who demonstrate a financial need. In order
to qualify, a student's Expected Family Contributions
Subsidized Stafford loan
Stafford Loan Benefits:
•Fixed interest rate - as low as 3.4%
•No payments while in school at least half-time
The subsidized Stafford loan is the best, first choice
for students looking to borrow money for education.
What are the benefits of a subsidized Stafford loan?
•Low fixed interest rate, as low as 4.50%
•No payments while enrolled in school or in deferment
•No interest while enrolled in school or in deferment
•Acceptance not based on credit
Who is eligible for a subsidized loan?
In order to be eligible for the subsidized Stafford loan,
you must meet the following qualifications:
•US Citizen or eligible non-citizen
•Enrolled half-time or more in an accredited academic
program
•Have completed the FAFSA
•Have completed high school or equivalent (e.g. GED)
•Not in default or delinquent on any existing federal
loan
Once you complete the FAFSA and receive the results,
the Department of Education and your school will
determine your final eligibility for the subsidized
Stafford loan and what amount you may borrow, if any.
Financial Aid to help an undergraduate or graduate
student pay for their education.
''Subsidized Stafford Loans - They're in Your Interest
Subsidized Stafford Loans are federal Stafford Loans
that are offered to undergraduate and graduate
students who demonstrate a financial need. In order
to qualify, a student's Expected Family Contributions
Subsidized Stafford loan
Stafford Loan Benefits:
•Fixed interest rate - as low as 3.4%
•No payments while in school at least half-time
The subsidized Stafford loan is the best, first choice
for students looking to borrow money for education.
What are the benefits of a subsidized Stafford loan?
•Low fixed interest rate, as low as 4.50%
•No payments while enrolled in school or in deferment
•No interest while enrolled in school or in deferment
•Acceptance not based on credit
Who is eligible for a subsidized loan?
In order to be eligible for the subsidized Stafford loan,
you must meet the following qualifications:
•US Citizen or eligible non-citizen
•Enrolled half-time or more in an accredited academic
program
•Have completed the FAFSA
•Have completed high school or equivalent (e.g. GED)
•Not in default or delinquent on any existing federal
loan
Once you complete the FAFSA and receive the results,
the Department of Education and your school will
determine your final eligibility for the subsidized
Stafford loan and what amount you may borrow, if any.
''Unsubsidized Stafford Loan
Stafford Loan Benefits:
•Fixed interest rate - as low as 3.4%
•No payments while in school at least half-time
An Unsubsidized Stafford Loan is a federally
guaranteed loan that is not based on financial need.
Interest will accrue from the time the loan is disbursed
to the school. You do not have to make interest or
principal payments until six months after graduation,
or six months after you drop below a half time status.
Unsubsidized Loan Benefits
•Increased limits - borrow up to $12,000 per year
depending on degree status and years in school
•Fixed interest rate - 6.8%
•No payments required while enrolled in school
''Click Here to Request Stafford Loan Information--
Stafford Loan Benefits:
•Fixed interest rate - as low as 3.4%
•No payments while in school at least half-time
An Unsubsidized Stafford Loan is a federally
guaranteed loan that is not based on financial need.
Interest will accrue from the time the loan is disbursed
to the school. You do not have to make interest or
principal payments until six months after graduation,
or six months after you drop below a half time status.
Unsubsidized Loan Benefits
•Increased limits - borrow up to $12,000 per year
depending on degree status and years in school
•Fixed interest rate - 6.8%
•No payments required while enrolled in school
''Click Here to Request Stafford Loan Information--
| '''50 States Contact and Information - U.S. Department of Education.. Find your state department of education, ''Lists of school districts in the United States. Alphabetical listing... |
| '''50 States Contact and Information - U.S. Department of Education.. Find your state department of education, ''Lists of school districts in the United States. Alphabetical listing... |
''KNOWLEDGE: 'Finance and Investment Knowledge Research Invention And
Discovery. Saving and Investing - Financial Knowledge, Financial Literacy,
Financial Education And Resources For All. --
''AMERICAN BANKING SYSTEM: BANKING HISTORY; GREAT THINGS TO KNOW
ABOUT THE AMERICAN BANKING HISTORY
BANKING AND FINANCE, COMMERCIAL BANKING: The fundamental functions of a
commercial bank during the past two centuries
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GETTING RICHER. 66 WAYS TO SAVE MONEY
MONEY MANAGEMENT: Ten Resolutions to Make Your Financial Life Easier. 10
Ways to Avoid Overdraft and Bounced Check Fees
''INDEX FUNDS -What You Need to Know About Trading and Investing in
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''MONEY: '45 Ways to Improve Your Finances This Year.
Whether you want to ramp up your earning power, finally start a retirement
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'' Market Advice Plus The Definition Of The Financial Terms:
''Financial Freedom Strategies Methods And techniques to win. Financial
Freedom,the ways to obtain, Look for them, find them and take action!Path to
financial independence
'' RETIREMENT: SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE. HOW
DOES
SOCIAL SECURITY WORK? Does someone can depend only on Social Security
check?
''SAVING MONEY: THE SECRETS OF SAVING; WAYS TO SAVE A LOT OF MONEY
AND GETTING RICHER
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money have changed and it’s time for you to get smart with your money! --
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN SEPTEMBER, 2008. A shocking
series of events that forever changed the financial markets.
AMERICA’S MONEY CRISIS / Bailout 101: What new law says. Here's a rundown
of key provisions of the financial rescue plan that United State Senate voted,
Wednesday October 1; and the house voted Friday October 3, 2008.
FORTUNE, CREATION AND INTRODUCTION: When you invest in stock, you buy
ownership shares in a company. Before You Invest; Before undertaking any
investment program, it is critical that you assess your current situation and
form goals. Evaluating a Stock, Creating an Emergency Fund
Trust Account: Definition of a Trust; Land Trust, Living Trust, Revocable Trust. In
general, a "trust" is a legal entity that is able to own property and other assets. --
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is the
most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach
County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...
Discovery. Saving and Investing - Financial Knowledge, Financial Literacy,
Financial Education And Resources For All. --
''AMERICAN BANKING SYSTEM: BANKING HISTORY; GREAT THINGS TO KNOW
ABOUT THE AMERICAN BANKING HISTORY
BANKING AND FINANCE, COMMERCIAL BANKING: The fundamental functions of a
commercial bank during the past two centuries
SAVING: THE SECRETS OF SAVING; WAYS TO SAVE A LOT OF MONEY AND
GETTING RICHER. 66 WAYS TO SAVE MONEY
MONEY MANAGEMENT: Ten Resolutions to Make Your Financial Life Easier. 10
Ways to Avoid Overdraft and Bounced Check Fees
''INDEX FUNDS -What You Need to Know About Trading and Investing in
Leveraged ETFs. What Does Index Fund Mean?-
''MONEY: '45 Ways to Improve Your Finances This Year.
Whether you want to ramp up your earning power, finally start a retirement
savings account.
--
'' Market Advice Plus The Definition Of The Financial Terms:
''Financial Freedom Strategies Methods And techniques to win. Financial
Freedom,the ways to obtain, Look for them, find them and take action!Path to
financial independence
'' RETIREMENT: SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE. HOW
DOES
SOCIAL SECURITY WORK? Does someone can depend only on Social Security
check?
''SAVING MONEY: THE SECRETS OF SAVING; WAYS TO SAVE A LOT OF MONEY
AND GETTING RICHER
'' RULES OF SUCCESS, RULES OF MONEY: THE RULES OF SUCCESS-The rules of
money have changed and it’s time for you to get smart with your money! --
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN SEPTEMBER, 2008. A shocking
series of events that forever changed the financial markets.
AMERICA’S MONEY CRISIS / Bailout 101: What new law says. Here's a rundown
of key provisions of the financial rescue plan that United State Senate voted,
Wednesday October 1; and the house voted Friday October 3, 2008.
FORTUNE, CREATION AND INTRODUCTION: When you invest in stock, you buy
ownership shares in a company. Before You Invest; Before undertaking any
investment program, it is critical that you assess your current situation and
form goals. Evaluating a Stock, Creating an Emergency Fund
Trust Account: Definition of a Trust; Land Trust, Living Trust, Revocable Trust. In
general, a "trust" is a legal entity that is able to own property and other assets. --
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN...
..RULE OF 72: The compound interest and financial success. Rule Of 72 is the
most important and simple rule of financial success.
..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset
..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!...
..GOVERNMENT: Government's general information; Local, State, and Federal.
Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach
County
..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF
SUCCESS...