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One Cent At A Time

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Pick a College or a Major with Future Career in Mind

June 1, 2016 18 Comments

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The other day I was consulting my cousin. She wants to come to the United States for higher studies. I did some research for her. This post is an output of that research. There are careers, high paying ones, that don’t require you to have a college degree. Career after college

On the other side, there are careers which do need an appropriate college degree? For me, I am from an orthodox family which always have advocated for education. Even knowing that career can be had without a degree. Even when my father didn’t have enough money to send me to college, he encouraged me to do so. Luckily the college I was admitted to had govt. subsidized education system.

As for my cousin, she’s been an excellent student all throughout her school. I am sure she’ll get scholarships as well. What about you? Or your son/daughter? How are you envisioning the career search? Will you go for your desire? Or, you’ll go for a career with a high potential for earning.

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Reducing Your Student Loan The Smart Way

June 19, 2015 1 Comment

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No one wants to graduate with a huge student loan, so why not think about reducing it whilst you’re still at college, and/or immediately after you graduate. That way, it’s not hanging over you for years?

Reducing Your Student Loan The Smart Way

Reducing Your Student Loan The Smart Way

The burden of student loans is much heavier than it was a decade ago. On average, a college graduate today has about $25,000 in student loan debt. In 2005 that figure was a mere $10,000. Education is going to be costlier over the years. So, what should a student do?

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3 Ways Easily to Reduce Student Loan Interest Rate

March 4, 2015 Leave a Comment

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Each year, 20 million students attend college in the United States, and approximately sixty percent of those students borrow money to cover the expenses of tuition, textbooks and fees. With college being the first major financial decision many young adults make, you’d be surprised to find out how many are genuinely confused about the application process. Many do not consider that the amount borrowed and the interest rate of the loan could impact your finances for the rest of your adult life, long after college is over.

3 Ways to Shop Student Loan

For those who are confused, the basics are this: the average student takes out nearly $30,000 in student loans over four years. With an interest rate of 9% annually, the student can expect to pay nearly $15,700 in interest over ten years, if it took them ten years to pay off the loan. That is a lot of money in interest, over half of the original amount borrowed. The monthly payment on this amount would be $380, which is a lot for someone right out of school and making entry-level salary.

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5 Ways to Tackle Student Loan Burden

January 26, 2014 3 Comments

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Education is very expensive and even more when you target schooling at the best institutions. It is at this point that education loans have become very helpful in enabling you to advance and reach career objectives.

Student loan

However, the moment you are through with your education, you must get the right method of repaying the education loan. This has become burdensome to many. Here are the five ways to tackle the student loan burdens.

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Using RESP to Prevent Student Loan Debt

November 27, 2013 4 Comments

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This post is geared for my Canadian readers. They have a special program, called RESP where individual can deposit money for their future need of child education. In US state govt. offer similar programs. Wish we had a child and we were saving for his/her education as we speak. But, readers if you live in Canada and are parent, this post may come in handy for you. Enjoy the post!

College Education

If you have children, the prospect of paying for their college education may seem overwhelming. So many students are now graduating from college with tens of thousands of dollars in debt from school loans, and it is natural to want to spare your children that sort of burden.

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Online or Traditional School, Which One Will You Choose?

March 20, 2013 8 Comments

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“Online learning can be more than lectures. Another element involves presenting information in an interactive form, which can be used to find out what a student knows and doesn’t know” – Bill gates

Online or traditional college

Nowadays, the options to get a degree are growing. Online degrees are becoming more and more popular among students with increasingly busy lives. That’s not to say that on-campus degrees are becoming the minority to online degrees, but students are choosing the alternative. This post talks about some pros and cons of both the options.

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Should Parents Co-sign a Student Loan?

February 25, 2013 8 Comments

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Every parent wants the best for their child and a college education usually leads to better jobs and a brighter future. in Us that means arranging a lot of money. Private institutions may charge over $50,000 a year for a 4 year program and the average student is graduating with more than $25,000 in student loan debt. So, should you as a parent, co-sign a student loan?

Should Parents Cosign student Loan

 

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FAFSA Scam And How To Be Prepared

September 26, 2012 3 Comments

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The premise of FASFA, as the first abbreviation denotes, is to extend free financial help to needy learners. FAFSA is not totally scam proof.

FAFSA Scam

Before we start with anything else, Here’s a good article by department of education on college scholarship fraud issue. If you are applying for college or know someone who is doing, this article can be an useful resource for you.

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Top 5 Financial Aid Mistakes students Make

July 26, 2012 8 Comments

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Now that you have carefully picked the college and major, you should think of getting financial aids, not to blow the student loan bubble further.

The reality is, most college students have a difficult time when it comes to paying the school expenses. As we all know, school fees are either maintained or increasing every year. Your decision is what matters most because it will determine your future and any mistake might hurt it. But don’t worry; there is still a solution to your every problem and it might not be too late to repair the damage.

 College students

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