Free Online Home Schooling With Theoretical Instructors

Several educational services sponsor free online home schooling in which an online schoolroom is offered for the use of home schoolers everywhere. As a teacher any home schooling parent can be taken who creates resources and activities on this site. Since it is a free online home schooling, all that you need to do is to go to the site and enroll in the class.

Teacher

If you want to be enrolled as a teacher, just post a message in the general introductions forum, in which you talk about yourself. Some teachers who are enrolled here are in several private online classrooms and online schools as well as in formal, online courses. At any centre which provides free online home schooling, the home schooling children have access to highly qualified intellectual role models.

The group of teachers is diverse and better than traditional schools. The major core subjects are covered, and English is done through college entrance level, and maths is through calculus. The teachers generally have many years of public school experience and they are deeply aware of the problems inherent in traditional schooling methods. They provide a highly flexible and inspiring alternative learning environment and a systematic online home schooling program.

Moodle

There is a free online home schooling course provided by the Moodle online course software which includes facilities like quizzes, forums, chatrooms, assignments, surveys, journals, lessons and workshops. This is being conducted presently as an experiment in collaborative online education. If you use the facilities on this platform, it can prove beneficial not only to you but also for other home schooling families who can learn from seeing what the others are doing.

In the free online home schooling the parents have to take over the role of the teacher, and create an educationally friendly environment. Naturally all parents cannot feel confident about teaching all the subjects to their children. The home schooling classes which are provided are an excellent alternative to just learning from the parents.

Free World U

Another interesting example of free online home schooling is the Free World U, which is a new site for home schoolers. A method of accelerated learning is used here and it works much faster than the conventional school methods. The curriculum covers the grades preschool through 12.

Teaching by flashcards is the method of learning here and it works very fast. Every information is broken up into simple fact units and placed on flashcards. and the flashcards have graphics or diagrams as illustrations. The students mark the flashcards as correct or incorrect and through this method they sort the units into learned and unlearned categories.

Hence free online home schooling is actually studying that the child does at home under the supervision of academic teachers, but the parent needs to get involved in the education of the child, but not teach the daily lessons.

Australia Colleges and Universities Depend on Tuition of Overseas Students

Economist Stephen King warned that universities and colleges might fall into deficit if Australia government intended to expand higher education on a large scale.

Professor King pointed that the plan of expanding the enrollment of domestic students meant that more overseas students should pay full tuition in order to support local students.

He said that -Where can we find so many overseas students to support local students? Taken the current funds into consideration, the plan of the federal government can only make all universities and colleges fall into deficit.-

Professor King’s comments are based on the reports of HES. One of the reports reveals that overseas students’ tuition support 1,200 yuan to every domestic university student on average. He said that the only unexpected thing was that the subsidy is too little.

He also quoted essays from HES and said that the government’s plan to make 40% young people have at least a bachelor degree and goals of universities and colleges are essentially unrealistic.

He said that -The industry and the federal government want to get more from higher education system. But both sides seem to be unwilling to cost money. And as a professor of pessimistic science, my duty is to tell government and industry that how much you pay then how much you’ll gain. If they want to create top-notch higher education system, they have to pay money by themselves instead of relying on overseas students to support local students.-

To make the comments more interesting, Professor King has just stepped down from College of Business and Economics of Monash University. There are many overseas students who pay full tuition in the college. They have become the critical capital resources of the Monash University.

Since the online game is so popular now, Tory decided to have a try. After a period of time, Tory found it quite simple for he could get wow gold, Tera Gold and RuneScape gold so easily.

Enhance Your Study Skills with Study Skills Tips

When we sit to study we need our full concentration which most of the time is lacking as our mind is most of the time lost in other things, and too much pressure on our minds at a time leads to confusion as a result of which we are not able to gasp the syllabus in the way effective enough to get us good results. To overcome such difficulties while studying it becomes necessary that you find some solutions which can help you in Improving Study Skills and let you complete your syllabus even within time restrictions. It is not at all necessary to study in any bounded way, because one can explain you your chapters but can’t teach you how to put them in your mind as every mind works at its own speed and pace and so same technique of studying can’t prove out to be useful for everyone. So the best way to put it is to find your own effective way of studying which prove out useful for you and help you complete your syllabus on time. When you have to finish a huge chunk of your course before your examinations then apply few of these Study Skills Tips to get through it. First and the foremost tip to keep in mind while studying is not to create a chaos and take it easy, as chaos only leads to confusions and no results. Try focusing on the important stuff essential for attempting your papers and avoid any unnecessary piece of information if it’s not very much required. Apply speed reading to fasten up the learning process; it saves your time both from learning and reading and to avoid the fear of missing out words try reading more than once. Improve your memory through some memory techniques and insert bulletin points, visual images and flow charts in your notes to make it less complicated and more interesting. Syllabus in colleges is harder and vast thus requires more time and better memory and so the College Study Skills also need to be different. To cope up with speed completion of the syllabus and vast variety of things to learn it becomes essential to let go word to word reading and understanding and to focus on getting the grip of what you need to study and then mould it in the form which helps you understand it all within less time and efforts.

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Homeschooling Tips And Advice Straight From The Education Experts

Public schools are not always adapted to the needs of every child, which is why many parents are choosing homeschooling instead. Homeschooling may not be as simple as you think. This piece includes key material if you are considering homeschooling.

Keep crafting materials on hand in your homeschooling area. If you are homeschooling two children, one child can do an independent crafting project while you teach the other his lesson. Encourage your children to be creative and to use the supplies to create something related to the last lesson you went over. It is a great way to learn.rn.

Homeschooling gives your child many unique benefits that aren’t possible in the typical school setting. However, if you want to make sure that your education is keeping your child in line or ahead of their peers, you may want to take part in the standardized testing your state offers. If your child tests below average, you may want to hire outside help to teach them that subject.

Educate yourself on homeschooling laws. Homeschooling rules change in different states, so you need to know what you are required to abide by. For example, some states require standardized testing, while other states do not require such testing. Some states force homeschool parents to register as private schools.

Be sure to be thoroughly prepared prior to embarking on the process of homeschooling. Set a workable schedule and use teaching methods that work for your child’s learning style.

Older children should be helping younger children at all times. If there are children who are older or who are more advanced in their education, you can let them help the younger kids. You will help the older child build confidence and allow the younger to learn in and different way. They might be able to relate better.

Plan your family meals well in advance to ease the stress of meal prep during the school day. You can cook in bulk and freeze your meals to serve at a future date. Cooking ahead of time is a good way to remain focused on the lessons of the day. Experiment with different schedules to determine the best course of action.

Learn what local laws you must follow. Regulations vary from state to state; some require formal registration, while others just require certain testing procedures. Don’t forget to let the school board know your children won’t be attending their schools any longer.

Get your kids outside! You can use these in a number of ways. Have smaller children collect some leaves. Another teaching opportunity would be identifying different tree species and listing them in a notebook. Older kids might investigate the various species they run across. Allow them to bring a camera so they don’t bother mother nature.

There are always new things that you can learn, even when you are the teacher. Read more articles and go to workshops and seminars to prepare yourself for homeschooling. This will make sure that your homeschool environment will always be the best for them.

Why You Should Consider Photography Courses

There are many options available for those looking to buy a new camera. Some cameras are better suited to professional use, while others are perfect for capturing pictures from your weekend getaway. When you make the purchase, though, you are purchasing a tool that will allow you to capture incredible images. If you want to learn how to use the camera to its full potential or learn how to use it to create art, you should consider the benefits of photography courses. These courses have something to offer photographers at all skill levels, and picking the right course can change the way that you use your camera.

Learning to Use Your Camera

Cameras are expensive devices. Unfortunately, some buyers buy an expensive camera only to find that they have no idea how to use the product. While this might leave you with a quality device, it also leaves you with little more than an attractive paperweight. If you do decide to buy a camera, you should always make sure that you purchase a device that is at your skill level. If you really want to get the most out of one of those new Nikon cameras, you are best served by taking a photography course that can teach you how to use them correctly. You might not learn how to create art, but you will learn how to justify your purchase.

Creating Art

Of course, some truly do want to use those new Nikon cameras to create art, and photography courses can help to teach you quite a bit about the process. Photography courses can offer students many advantages that a textbook cannot, especially when it comes to the actual art of photocomposition. Working with an experienced teacher can help you learn the various techniques used to get the most out of a single picture, and it can help you to learn how to make the most out of your camera purchase.

Honing Your Skills

Even if you already know quite a bit about using a camera, it is likely that your skills can still use a little work. You might be a professional photographer or an individual who participates in amateur competitions, but good photography courses can help you to hone your current abilities. You might learn about new apertures or lenses that can make a huge difference in your picture quality, or you might just be able to brush up on those basic techniques that you have left far in the past. No matter what, though, there is a better chance of becoming a photographer if you spend time working with a professional.

No matter what your intentions, though, these courses will give you the knowledge necessary to take better pictures. If you are willing to invest in a camera that is more than just a disposable toy, it is always worth your time and your money to make sure that you know how to use it to its fullest potential.

Finding The Right Music Teacher

If you have done the prerequisite research I mentioned then this should not be an issue. However, guitar playing is such a personal undertaking that finding the right teacher is relative to each student. What works for one, clearly does not always work for another.

Your teacher should care about you and take an interest in seeing you advance as a player. If this were not the case, I think this would be the biggest red flag to me if I was taking lessons all over again. I would want to know that there was some nurturing involved. If you feel that there really is no connection between the two of you then I think this might be a factor you can use to determine whether you move on or not.

It’s tricky. As a student you want the best teacher for you, but you may not know, if there is no barometer to show you.

I also think that many times the student is to blame for being a lousy student. I remember when I used to give private lessons. A few students would come back week after week and had done no practice at all. I found myself explaining the same things over and over and of course we couldn’t move on until the essential groundwork was covered. These students eventually gave up because they had no drive or ambition to improve. This can be very frustrating to the teacher. Other times extremely talented players would come for just a few lessons because all they needed was a little fuel to go off on their own and practice. They were literally sponges. These students are heaven for teachers!

So do the research, then take a lesson or two and see if that teacher is right for you. If you are serious about working at your instrument then you shouldn’t be to blame for being a bad student. At that time it’s simply a matter of finding the right person. Don’t short change yourself.

NCAA Youth Football Players Compete for College Football Scholarships

The college football is a famous and popular sport loved by the youth people. The youth people cannot only build up their body by playing football but also get some other benefits form it such as they can get the college football scholarships by playing football. The hunt for college football scholarships is really come September. College football coaches can start calling you once a week if you are elderly and could be sending your recruitment materials if you are a junior first begins in September. You can call the other side of the coaches as much as you want. Firstly, you would receive letters and phone calls from your coaches. Does this mean that you are an employee of a college football scholarship? Yes and No. And the coaches must pick up the excellent players who play football well with wearing David Pollack White jersey. Letters and initial phone call is just the beginning of a long recruiting season full of football coaches. Colleges send our thousands of letters and questionnaires for players of all levels. We’ve heard players who receive dozens of letters, but not as much as a phone call later. Secondly, Coaches, assistant coaches and in particular Graduate (each team has two), whose task is to draw players to 100-200 per day. From the perspective of coaches, want to start with so great and the recruiting base as possible in contact with thousands of players. If you do the first time they are asked to send a tape for review. Coaches may decide to add, move you or a potential place for you in a lot of minutes. Thirdly, you should choose some useful strategies to deal with these letters and phone calls to help navigate the recruiting game. It can be difficult to tell who is really interested in you and who is simply making contact to build a database. During the month of August, you should make your list first recruitment from 50 to 100 schools that match your academic and athletic profile. Players often wear cheap nfl jerseys in their training. Start contacting coaches in September and send your parcels recruitment. The real rush to recruit college football begins in late October. It is best to get in touch early to beat thousands of other high school players who want the same college football scholarship. With the popularized of college football, there are more and more college students join in playing football. It does not influence their study, instead, it can help them to get the college football scholarship to benefit their study.

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The Teacher becomes the student

A relationship expert once said that during an argument, there’s usually three sides to every story: his side, her side, and of course, the truth. This is something we must definitely keep in mind as teachers. Many educators (especially professors), have been accused of having the biggest egos this side of Mount Rushmore. One of the quickest ways to burn out in education is to refuse to embrace change. Keep in mind whether we want to admit it or not, life moves and changes constantly.

Students are constantly exposed to material we once never dreamed existed. Ironically, although students are exposed to more, they typically know less and are less mature than the generations before. However, that does not discredit the fact that students still bring a unique perspective to our classroom; it’s through their eyes that we can become better teachers.

One useful strategies for maintaining a high level of motivation in the classroom, can come from the Sales industry. Rule #1 in Sales is that in order to bring the customer to where you are (your level of understanding), you must first go to where they are (they’re current level of understanding). In simple terms, you must know your customer (in this case, your student).

Relating this concept to the education arena, you must simply and clearly define your objectives and what you would like to see happen over the course of a semester (or even a brief interaction) with a student, and then you help your students to do the same. In other words, know where YOU want to go, help them find out where THEY want to go, and then come up with a strategy for both of you to get there. In negotiating terms, they call this a win-win solution. Obviously, this strategy can only work if you value the student, and you believe he or she can make you a better teacher.

Students aren’t as concerned with the subject matter itself as they were with how the subject matter is being taught. They are more concerned with the Teachers attitude than the answers they are given. This might be a revelation to many eductators

If you want to become a more productive educator in or outside of the classroom, the key is student input – you must seek it. They say that the definition of insanity is doing the same things over and over again, but expecting different results. If you listen to and solicit feedback from your students, you won’t have to repeat the mistakes of the past. So value your students and their input; trust me, they hold the keys to your success.

Disadvantages Of Examination-oriented Education System

Although kids may appear to be jumping and laughing all day, they also face the threat of stress. This can come from many sources be it family issues, bullying issues or even education system. An examination-oriented education system can bring unneeded stress with improper implementation.

Grades are all that matters in an examination-oriented education system. Get a high grade and you get the affection from the teachers while other students gawk at you in awe. Low grades invite low-self esteem and isolation. This is because the students are bound to be highly competitive and subconsciously, they create caste among their friends. Those who have low grades are seen as unworthy to fit into their circle of friends.

Students are forced to know and learn everything their study by heart in order to get good grades during examination. This can be easy for some while it can be very difficult for others, especially those who are hands-on type of people. Inability to perform may only result in embarrassment although being shunned by other friends will bring harsher impact to the students’ lives.

A student will have to invest a lot of his or her time if a student wants to excel in studies. They will lose their childhood in the process, missing the chance to mix around with their peers. This can hamper their social skills learning skill, a skill that is bound to be important throughout their lives.

Once the aim is set to get higher grades in tests, other activities will have to be sacrificed. Teachers are bound to cut extra-curricular activities such as sports and also discourage creative activities so that students can study longer. This should not happen because the students have worked hard in the class and studying so they should be allowed to take part in such activities as an outlet to release stress. How can they reduce stress if they have to pore over a book day and night?

Examination-oriented education system may have a noble aim. However, the implementation should be done carefully so it will not affect the students. Everyone should understand that every individual is unique; some may excel academically while others can rely on hands-on expertise.

Scholarship Scams And Disadvantages Of Financial Aid Types.

Identifying the number of financial aid programs that one may be eligible for is only a start of the long-lasting, demanding and challenging application process. There is a set of tips at the governmental sites and various forums on what scholarships to choose and how to choose the best variants possible, but there is still a threat that the student may turn out to be a victim of the scholarship scam. The ways to avoid the disappointment and to secure oneself from internet financial scammers are outlined in the present article.

How Can One Secure Him- or Herself from Financial Scams in Scholarships?

1. The first and the most important rule on choosing a valid scholarship plan is to assess the possibilities offered by a certain sponsor realistically. There are some cases in which the sponsors offer very good conditions without any specific eligibility criteria. They may offer to solve all students problems and pay for everything, but in fact they will perform only a fraud with his or her direct participation. One has to be absolutely objective when reading the benefits offered by the scholarship program and realizing whether he or she is actually worth it.

2. The second rule that has to be observed to secure oneself from a fraud is not to pay anything for obtaining scholarship. The essence of any scholarship is to provide financial aid; thus, there is no need to ask for money from those to whom the money will be later given. In case obtaining a scholarship requires financial costs, it is a definite scam.

3. Finally, all information has to be transparent and clear. The sponsors offering scholarships have to have all documents certifying their legality and should possess permission for provision of financial aid. Hence, one should consult the legal sources to understand whether the scholarship is real.

Study Abroad Education Programs

Study abroad programs become the first choice when it comes to pursuing higher education. The advancement of technology and increasing liberalization have also elevated education abroad as a viable option for many. However, what has made these programs popular among the students of developing countries and other hitherto marginalized sections of the population is the availability of numerous study abroad scholarships and International fellowships.

Over the years, USA seems to have captured the imagination of the youth who wish to pursue higher education abroad. Canada, United Kingdom, Australia, Germany, New Zealand and Singapore are some other places that have witnessed tremendous flow of International students. India and China are two other countries that are attracting a growing number of foreign students at present.

However, taking the decision to go abroad for studies is not an easy one as it involves considerable expenses. But with numerous education loans and scholarships around, it has become much easier today. Most of the countries that seek to attract students from other countries offer scholarships on a wide variety of study abroad programs that may include courses in medicine, engineering, arts and humanities, science, management, law, fashion design & technologies, and various other courses. For example, if you are willing to study in USA, you can think of applying for Fulbright Scholarships, Marshall Scholarships, AFLSE Scholarships, Miss America Scholarships and so on. In order to qualify for certain scholarships you may have to fulfill certain criteria like merit, need, ethnicity etc.

For specific information on a country’s study abroad programs, it is always helpful to visit the local office of the country’s embassy or the office of the High Commission. Moreover, certain countries has also opened office specifically to cater to the needs of the International students. Certain good educational websites also provide information about the study abroad programs that are available in a country and other related information. Another option to take the right decision is to go for professional help and visit an experienced education consultant.

Jobs for Students

School is out and summer season is right here! Summer time jobs for students are a fantastic method to make extra money and get some wonderful on-the-job experience as well. You can find plenty of jobs for students situated across the country for young adults and college students, which include part-time and summertime profession, or work analyze applications. Part-time jobs for large school students aren just restricted to mowing lawns, babysitting, and paper routes. You will find opportunities through schools and the neighborhood government for summer support with kids?recreation and actions applications, including sports camps, Scout camps, arts and crafts days, field trips, as well as other sponsored summertime youth events. A minimum age requirement differs from state to state for teens and it also depends on what kind of job is included. Paperboys need to be twelve and older in some rural states and have to be sixteen in others. Other jobs for students need teenagers to be at least sixteen, for example a carhop at Sonic for instance, and eighteen to perform as a cashier in the grocery shop, based on the grocery shop naturally.

Jobs for higher education students is usually accessible by way of a higher education function study system either for the summer or by the semester. Candidates have to qualify financially to participate in operate analyze, which may possibly or may not be associated towards the student major course of study. It is an awesome way for students to assistance themselves whilst in school and not have to leave the campus. Operate research schedules are often quite flexible and could be adjusted according to academic schedule and other part-time job. Jobs for students are posted at different locations during the campus and in the human resources department. Quite a few times students go back to their properties during the summer, which leaves additional jobs for students who remain on campus. Compensated summertime internships may well also be an choice for some students. Moreover to getting compensated, they earn credit toward degree completion. And needless to say, jobs for students are also abundant out from the community for year round part-time, hourly, or summer time employment.

The internet can be a great location to visit when searching for jobs for students. Young adults and college-age students can discover jobs on www.groovejob.com or www.jobdoggy.com. You will find also part-time and summer season work possibilities obtainable with the federal government at www.studentjobs.gov. These jobs for higher education students can include teaching opportunities with several federal agencies, and internships at the White Home (yes, exactly like Monica Lewinsky!). Jobs for students could be quite competitive, so the earlier the application is turned in the better, specifically if it’s connected to work post-graduation or is academically associated.

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Student Loans Consolidation Advice Loans for students head towards a brighter future

Seeking finance as higher education is what you are planning for? But don’t have sufficient finances to bear the cost of education? Now you need not worry about the cost of education and financial constraints as you can grab finances by applying for loans for students which by providing adequate financial support allow you to pursue your dreams. Students can pursue graduate, post graduate and other professional courses of their choice without any obligation.

Loans for students are offered by government aided and private institutions as well. The funding for students offered by government can be classified into Stafford and Perkins loans. These government loans provided you with best terms and condition that well fit your requirements. The amount acquired can be utilized for meeting various education related expenses such as paying accommodation fee, admission fee, buying computer or stationery etc.

Those students who are unable to qualify for government loan can procure loans for students from private institutions and banks. These are available in secured and unsecured form. If you want to raise a higher loan amount then secured loans is the best option and can be entailed by pledging your valuable asset as security. The loan term is longer and can be easily met by students. Whereas, if you are unable to meet the collateral requirement or don’t wish to pledge your asset then unsecured loans are ideal solution. You can borrow a small loan amount for a short time period. The loan amount generally depends and varies according to your course fee.

The repayment of these loans is quite feasible as students are required to start the repayment 6 months after the completion of their course. These loans are offered at lower and reasonable rates of interest so that students can repay conveniently.

One can easily apply for these loans through online medium. The online loan processing and approval takes less time. You can even look around and find a lender that offers attractive deal.

Study Finds Popular Cholesterol Drugs Vytorin, Zetia Not Effective

A recent study appearing in the New England Journal of Medicine has questioned the effectiveness of the popular cholesterol medication, Vytorin and its sister drug Zetia. Vytorin, a combination of Zetia and the generic drug Zocor, is the second most profitable pharmaceutical manufactured by Merck & Co. The Securities and Exchange Commission reports that sales of Vytorin and Zetia have raked in an astonishing $21 billion worldwide since 2003.

Although ezetimibe, the active ingredient in Vytorin and Zetia, has been shown to reduce cholesterol slightly, its ability to unclog coronary arteries is less than that of niacin, a cheap B vitamin, often available over the counter, according to the article. Additionally, Vytorin and Zetia competitors have been shown to prevent heart attacks, strokes and other cardiovascular diseases at a less expensive price tag, whereas Zetia and Vytorin have not been proven to do either, according to the study. In contrast to Lipitor, Zocor and other statin-type drugs which block cholesterol production in the Liver, Zetia prevents cholesterol absorption in the intestines. The difference between how the drugs reduce cholesterol has helped Zetia’s popularity, despite the fact its effectiveness has been questioned. Many patients have been prescribed Vytorin as an alternative to the unconfortable side effects of Niacin and other statins’ including liver problems.

This is the third study in the last two years that has cast doubt on the effectiveness of the pharmaceutical giant. Additionally, in August 2009, Merck and Schering-Plough agreed to pay $41.5 million to settle class-action lawsuits accusing the companies of withholding unfavorable information about the drugs. Due to their recent merge in Nov. 2009, both companies are responsible for the lawsuit. Vytorin has been linked to potentially harmful side effects, including a high rate of cancer deaths, according to a controversial study released in 2008.

These studies also question whether the Food and Drug Administration prematurely approved the drugs without requiring additional studies that illustrate the drugs’ effectiveness or ability to prevent heart attacks. Merck waited three years before starting a research study to examine the effect on heart attack rates among Zetia and Vytorin patients.

Additional studies will be conducted to further examine the effectiveness of the drugs, including heart attack prevention; however results are not expected to be available until at least 2012. Leading cardiologists have advised patients to use cholesterol drugs like Zetia and Vytorin only if his or her cholesterol levels have not improved with the use of other medications and life-style changes. Oftentimes, patients pursue a Vytorin lawsuit to seek monetary compensation to cover medical treatments due to cardiovascular complications.

Student Loan Crises

We have a student loan crisis here in the United States. Student loan debt in aggregate, an unsustainable bubble of government inspired debt mania, has sky rocketed over the last 10 years nearly 400 percent. The total student loan debt is now nearing 1 trillion dollars with over 10% of that in default or delinquency and much of the rest teetering on collapse.

The government makes these loans available to all manner of students attending a wide variety of schools. Many of these loans are extended to students paying exorbitant tuition rates to traditional non-profit schools rewired and then transformed into “paper mills” or to a whole new category of for profit schools many with even more exorbitant tuition rates and seemingly in indirect proportion to the value received.

Students pay excessively high tuition rates for watered down curricula at a plethora of institutions offering degrees that don’t meet the smell test when compared to the value associated historically with the attainment of a 4-year degree. Many students even after graduation struggle to properly read, write, or do arithmetic as would be expected of a fully educated graduate of a traditional university.

Many profit and non-profit educational institutions are drinking at the government loan spout while at the same time “dummying down” the path to a degree. Government money is fueling the demand and the corresponding tuition inflation is creating a student loan bubble of catastrophic proportions. Many employers no longer value these degrees unless they are from certain very high-level schools; the kind of schools that even student loans from the government can’t cover.

Indentured servitude is a good metaphor for what is happening with the student loan fiasco; this is a truly abusive system that takes advantage of those with high hopes and trying to improve their lives. At least an indentured servant, historically, could learn a craft or a trade that was with them for life; what are these folks getting but membership in a new class of debtor?

With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 student loan debt public or private is no longer dischargeable in bankruptcy court. Many of our younger citizens now carry their student loan debt around with them like the proverbial, “ball and chain” looking for a job from employers many of whom no longer value the degree. What is next? Will they bring back a “debtors prison”?

Our once very fine university system has been severely damaged by this phenomenon. Not all loans are bad and not all schools are “paper mills” but the trend is clear and this will end badly unless this system is rehabilitated.