Record Number of College Graduates Defaulting on Student Loans

As college costs continue to rise, so does the number of students taking out student loans: Nearly two-thirds of students attending four-year schools now graduate with debt from student loans. Over the past decade, student debt levels have shot up by 108 percent.

While these numbers are significant on their own, the number of borrowers who are defaulting on their student loans has also skyrocketed to the highest level in over a decade. Preliminary data from the Department of Education shows that federal student loan default rates are coming close to topping 7 percent, compared to 4.6 percent just two years earlier, an increase thats raising alarms about borrowers ability to pay off their student loan debt in the current economy.

“The volume of people in trouble is definitely increasing,” said Deanne Loonin, a staff attorney for the Boston-based National Consumer Law Center and consultant for low-income student loan borrowers.

Unstable Job Market Leading to More Student Loan Defaults Education Department officials warn that while these default numbers are high, they may be just the tip of the iceberg.

This most recent federal student loan default rate is for the fiscal year 2007 and only accounts for students who started repaying their federal college loans between Oct. 1, 2006, and Sept. 30, 2007, and who had defaulted by the end of September 2008. The data doesnt include borrowers who, unable to repay their federal student loans, have gone into deferment or forbearance or borrowers who have defaulted on non-federal private student loans.

The student loan default rate is poised to climb even higher as the 1.8 million students graduating college next month who are saddled with student loan debt face one of the toughest job markets in over a quarter-century. The national unemployment rate has already broken the 10-percent mark, with regional unemployment ballooning even higher in certain states.

“Its scary thinking I could have spent $50,000 a year for the last four years and still go back to working at Wegmans, but its a reality,” Catherine Mendola, a senior at Colgate University, told The Associated Press (“College Grads Face Worst Job Market in Years,” USA Today, April 3, 2009).

Debt From Private Student Loans Particularly Troubling To make matters worse, an increasing number of these soon-to-be graduates will be leaving school with debt from private student loans, which typically carry higher interest rates than federal student loans, along with less-flexible repayment options.

The percentage of undergraduates who took out private student loans in the 200708 academic year jumped to 14 percent, up from 5 percent in 200304, according to the Project on Student Debt.

Private student loans arent required to offer the same deferment, forbearance, or income-based repayment options as federal loans, making it generally more difficult for struggling private loan borrowers to obtain a reprieve from their student loan payments and avoid defaulting.

Jim Goetz New Jersey Is Student At University of Bridgeport College of Chiropractic

James Goetz is a seasoned health care professional and has extensive expertise in the field of chiropractics. Currently, he is student at the University of Bridgeport College of Chiropractic. The College of Chiropractic prepares students to diagnose, to care for human body and to integrate their care within the larger health care system. He receives comprehensive, full-time education that prepares him to become doctor of chiropractic. Chiropractic is a health profession that concerns itself with the relationship between structure and function of human body. His course provides a clinically relevant and integrated curriculum in regard to basic sciences, chiropractic principles and related health sciences. Jim Goetz is former Secretary of Student American Chiropractic Association. He is expected to complete his education by 2014.

As a Chiropractic tutor at the University of Bridgeport, Jim Goetz Florida helped students to enhance their base ability as a doctor. He guided them to achieve needed grades. Having been in the industry for many years, he has gained extensive knowledge and understanding of the medical field. He is able to provide students with helpful tips and assistance. While working as a Strength and Conditioning Coach with Toronto Blue Jays, he implemented prehabilitation and performance enhancement programs. He also helped them to create new programs for implementation. He graduated from the Optimal Performance Institute with the BS in Mind, Body, Health and Fitness. He attended the University of Tampa and played for the defending NCAA Division II National Champion University of Tampa Spartans. He was also selected as a Resident Assistant.

Jim Goetz New Jersey is extensively experienced in training of elite athletes to pre-habilitate, rehabilitate and enhance athletic ability. He offers useful assistance and guidance to athletes to help them in enhancing their level of performance. His specialties include diagnostics, program design and implementation. In his free time, he enjoys surfing and playing baseball. He is working to gain more experience in the field of general pediatrics.

Homeschooling Versus Public Schooling

When you look at academic achievements only, homeschooled children seem to advance quicker than their counterparts in public schools. A report published by the ERIC (Educational Resources Information Center) shows that homeschool test scores were exceptionally high and well above that of public and private schools. They found that homeschool students in the 8th grade are four years ahead of their peers in public or private schools.

In a study conducted by Dr. Lawrence Rudner, he discovered that learners who were being homeschooled their entire school career, achieved the highest out of all the children.

Interesting information that came from this research was the difference that homeschooling made to the achievements of different race groups. There was very little difference found between the scores of white, black and Hispanic children in homeschooling. On the other hand, there was a significant difference between the achievements of different race groups attending public schools. Eight grade public school learners scored on average at the 58th percentile in math, where black children scored at the 24th percentile. White students scored at the 57th percentile in reading and Hispanic students at only the 28th percentile.

Dr. Ray, in his book, Strengths of Their Own, came to another interesting conclusion. The amount of money spend on tuition had no effect on the achievement of the child. In fact, the cheaper homeschooling option had better results than the far more expensive public schooling. In his research, based on statistics from 1998, he found that a homeschooled child cost parents on average $546 compared to the $5 325 for a public school learner. The average score for the homeschooled child was at the 85th percentile, where the score for the public school learner was averaged at the 50th percentile.

These research studies were done in a number of the states and in all the results the findings were the same. The homeschooled child scored on average 20-25 percentile points higher than their counterparts in public schools.

The research also found that the qualifications of the parent responsible for the schooling had no real affect on the achievement of the student.

A Guide To The Fire Inspector Courses

Fire inspector courses are study programs which help to train students for fire safety and fire prevention techniques. Along with that it also gives fire investigators information regarding forest fire and other accidental fires. For students, who are interested in becoming fire inspectors, there are various degrees and certifications available that provide the right knowledge and training for becoming a certified inspector.

As fire inspection has direct effects on the safety of the building and the people, a trainee fire inspector generally requires passing certified tests before being allowed to inspect any property for fire damage. The courses of fire inspection are in the form of degrees or certificates that teach students the basics inspection. The students are taught how to inspect various different types of buildings and predict the areas of fire risks. Fire codes and adhering to the standards are imperative for the safety of the building and students during their studies get completely familiarized with the codes and standards.

Most commonly, the inspector courses last for about a year or two. In the first stage, the students are offered certificates which eventually lead to a comprehensive inspection certificate that must be endorsed by the local government or administration before an inspector is allowed to become an official inspector. Students, who are interested in joining, must have some sort of former prerequisite education, but for a bare minimum, a high school diploma is required.

If we take a look at the curriculum of various courses, we would find that the courses are pretty advanced and teach the students a whole host of fire related techniques. Some of the courses include a history of fire which includes fire science, fire prevention and the technologies used. Other courses include suppression techniques, building and protection coding, research on fire and arsons.

Having a career in fire inspection entails pretty good career growth opportunities. The employment outlook for these courses is expected to grow even further as this field will get more attention from the state and other federal governments. The recognition of inspectors can be estimated by their median salary which is around $50k per year. Job prospects are good for those inspectors who have good experience with suppression techniques and other scientific methods of fire removal.

For students, there are various study avenues regarding fire inspector education. Some of the federal and governmental organizations provide paid and free courses for prospective students. For long term degrees, there are various universities that have associate and bachelors degrees related to fire safety education. The best bet for these students is to get as much practical knowledge as possible and get the best hands on training as possible. Students are required to undergo a lot of practical training before they are allowed in an actual scenario. The fire inspection field is pretty unique as it not only offers professional training but offers a chance to make a difference in the society as well.

Public School Insurance for Indiana and Student Injuries

It is commonly accepted that school liability has increased over the past several years, and public schools, with their various exposures involving faculty, students, workers and outsiders, must contend with several concerns from multiple scenarios. The list is long; wrongful death, serious injury, sexual harassment, and bullying all present opportunities for large settlements or jury verdicts against these institutions.

However, an analysis of recent decisions in negligence cases brought against schools indicates that the frequency of lawsuits generally has not changed over the past two decades. That said, with so many risks being evident, public school insurance in Indiana should not be overlooked when considering the many coverage’s required on a daily basis.

Most settlements in favor of schools

Fortunately, the majority of outcomes have been decided conclusively in favor of the schools. More than 53 million children in the U.S. spend almost one fourth of their waking hours in school or on school property, therefore the potential scope of school liability is broad. Public perception tends to, however, distort both the extent of school liability and the nature of injuries that children sustain while at school (or when engaged in school-based activities).

While the vast majority of injuries to children at schools are accidental, the desire for many students to be awarded some type of compensation, especially when the injuries are severe, is not uncommon. Public attention to student injuries often focuses on school violence because the media often reports so many incidents of this nature.

However, studies indicate that school-aged children are nine times more likely to sustain an unintentional injury than to be the victim of an intentional injury while at school. Children under the age of fifteen sustain more than 14 million unintentional injuries each year. In all, one in fourteen students suffers a medically attended or temporarily disabling injury while at school.

Failure to exercise a reasonable standard of care

School employees are often targeted in lawsuits. If, for example, an employee of the school fails to take reasonable steps to protect a student from injury, that employee can be found negligent. In negligence cases, courts will weigh the actions of a teacher or an administrator against how a reasonable person would have acted in a similar situation. Failure to exercise a reasonable standard of care must be proven in a negligence case.

Schools provide a wonderful service to parents and students, but the concern over injuries to students can sometimes outweigh the positive aspects of higher learning. Public school insurance in Indiana is necessary to protect the interests of these valued institutions.

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Be Sure To Familiarize Yourself With The Laws And Requirements When Homeschooling.

Homeschooling can be very confusing when it comes to knowing the laws. Make yourself aware of the laws in your area for a better and easier experience.

When choosing to begin homeschooling or homeschooling in various states, be sure to become familiar with the homeschooling laws of the state you’re in.

Even if you’re in a state for a short period of time and legally reside in another, you are still subject to the laws of the state that you’re currently in.

Although homeschooling is legal in all 50 states, there are different forms of homeschooling regulations in different states. These are based on different criteria that the state chooses to use as the basis for their laws.

Some states require no letter of intent that you’re going to homeschool, while others do, and the time at which you have to submit one can vary. You may have to submit one at the very beginning of your homeschooling, or not until your child has reached certain requirements.

*** Testing

Some states require standardized testing, while some only require an evaluation by a qualified teacher. Fewer than half the states require testing.

*** Graduation

In states where homeschools are operated as private schools, the graduation requirements for private schools usually apply to the homeschoolers as well.

There are states, however, that have no “official recognition” equal to graduation, so even if a student has gone through all 12 school years, they can’t actually say they’ve graduated.

*** Support

For information on the laws in your state or for legal support, you can consult many different organizations. (See resources below for more information.)

Be aware of your rights and the requirements for your area. This makes homeschooling much easier for everyone and you know where to turn should you have any issues that need resolved.

Accreditations of Avalon University School of Medicine

Avalon University School of Medicine is a U.S. based medical program and our graduates are geared for a career in medicine in the United States. Avalon University School of Medicine has taken all necessary steps to ensure that its graduates are eligible for U.S. medical licensure. For a Medical University to be approved, it must be chartered. Avalon University School of Medicine is chartered by the Ministry of Education in Curacao. This charter entitles Avalon University School of Medicine to grant a Doctor of Medicine (M.D.) degree to students who have successfully completed the medical school’s approved curriculum in medical education, which includes an emphasis on USMLE preparation.

Avalon University School of Medicine is also recognized by the United States Educational Commission for Foreign Medical Graduates (ECFMG). The ECFMG is an organization that promotes excellence in medical education throughout the world. Requirements for graduate certification in the U.S. are outlined by the ECFMG and followed by students graduating from any international medical school. This endorsement means our program is structured so graduates of AUSOM are eligible to take all phases of the USMLE and subsequently apply to U.S. residency programs.

Eligibility for U.S. residency programs recognized by the Accreditation Council for Graduate Medical Education (ACGME) requires Caribbean Medical School students to obtain a certificate from the ECFMG. Certificate eligibility depends on whether a school is listed in the Foundation for Advancement of International Medical Education and Research’s (FAIMER) International Medical Education Directory (IMED). Avalon University School of Medicine is currently listed in this publication. Medical schools are listed in FAIMER’s IMED when they receive recognition by the appropriate local agency within their country, for example, a Ministry of Education. Additionally, to be eligible for the USMLE, a student must attend a medical school listed in the IMED.

Avalon University is also recognized by the World Health Organization (WHO) and can be found in their most recent World Directory of Medical Schools. The WHO is an agency of the United Nations that serves to help coordinate and monitor international medical education programs. The WHO recognizes a medical school if it is deemed an appropriate education or training institution for healthcare workers.

Additionally, the Medical Council of Canada (MCC) considers AUSOM a recognized medical school. This recognition permits AUSOM’s graduates to pursue Canadian residency positions and Canadian medical licensure. This includes taking the Medical Council of Canada Evaluating Examination (MCCEE), which is the Canadian equivalent of the USMLE.

At Avalon University School of Medicine, our goal is to ensure that students and graduates of the medical school program are prepared and successful in all aspects of their medical career endeavors. The faculty at Avalon University provides a unique and modern medical education experience; while continually focusing on the preparation for the USMLE.

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Interested Students Picking Kurukshetra University Distance Education For Better Academic Career

On this cut throat competitive age; every likeminded individual cares a lot to uplift his or her academic career by undertaking any demanding course program in those prestigious colleges and institutes that can honestly help them an edge to stand tall before seeking any dream job what so ever. This is one such delicate yet burning facet that is well understood buy the administrative as well as teaching department of Kurukshetra University Distance Education for producing excellent learning platform for their students and working professionals. The foundation stone of Directorate of Distance Education, Kurukshetra University was laid in the year 1976 where just four hundred students were be enrolled for the courses that are offered in the mentioned prestigious institute. But on this date there are more than thirty nine thousand students interested to either pursue a Bachelors degree or go for post graduation in their favorite subjects.

Kurukshetra University Distance Education is a name that got honest appreciation as well as recognition for producing best graduates and Master degree holders after pursuing B.A (Bachelor in Arts), Master of Business Administration (Hospitality Management), B.Com (Bachelor in Commerce), Master of Business Administration (MBA), B.Ed (Bachelor in Education), Master of Computer Applications (MCA) and Bachelor of Computer Applications (BCA) quite comprehensibly. BBA, MCA, BCA, MIFA and MBA are those demanding courses that students as well as working individuals can easily undertake in ICFAI Distance Educationby successfully enrolling their names. The ICFAI University is situated in Tripura. Affiliated to All India Council for Technical Education (AICTE); the ICFAI Distance Education has a reputation for offering the most prolific atmosphere of learning not just in the country but also globally.

There is also another prestigious name entitled as Annamalai University Distance Education where students and even working individuals have shown their utmost whims and desires to undertake their dream courses. M.Sc. (Information Technology), M.Sc. (Software Engineering), M.Sc. (Electronics & Communication), M.Sc. (Zoology), B.A. Social Welfare Administration, Master of Business Administration (MBA), B.B.A. Aviation, Tourism and Hospitality Management, Master of Health & Social Science (M.H.S.S), B.B.A. Marketing and Human Resources Management, Master of Library & Information Science, B.B.A. Retail Management, Master of Rural Management (MRM), B.Com Marketing Management, Master Of Social Work, Part time Diploma in Consumer Protection, Bachelor of Library & Information Science, Part time Diploma in Journalism, Certificate Program In Music (Evening), Part time Advance Diploma For Proficiency in French, M Com (Accounting & Finance), Part Time Certificate Program in Reprography & Non Book Material, M Com (Accounting & Taxation), Part time Post Graduate Diploma in Adult & Continuing Education, Post Graduate Diploma in Demography & Social Econometrics, M.A. English, Post Graduate Diploma in Demography & Social Health, M.A. English Literature & American Studies, etc are some of the courses that any likeminded individual can pursue in Annamalai University Distance Education after seeking an admission.

Private Student Loans

Private financial companies including banks or other specialized educational money lenders provide private student loans for students. It is one of the different types of loans available for the students to continue their higher education when they do not have the money to do so.

Private student loans have all the features of various government loans, and can be the best choice for those in search of educational finance. They have higher loan limits with attractive interest rates. Similar to the federal loans, they also have a grace period and students do not need to start repaying them prior to the completion of studies.

The grace periods of the loans vary from company to company and can be from six months to 12 months. Even though private student loans offer lower interest rates, they can be a little higher than the government loan interest rates, but much lower than other private loans. Unlike government loans, there are overhead charges often called origination fees, which are applicable at the time of the loan processing.

Private student loans are based on the credit history of the applicant or of the co-signer. This type of loan is utilized by students who are not able to pay for their educations without a loan but cannot apply for federal loans due to the possession of assets beyond the qualifying limit or due to higher income of the family.

Private student loans are looked as an alternative to federal student loans for parents, known as PLUS (Parent Loans for Undergraduate Students) loan. Private student loans need not be paid back until graduation, whereas the repayment of PLUS loan starts soon after the procedures. Many international students can also acquire these private loans with the help of a co-signer. The loan amount is paid directly to the school by the lender and the remaining money is given to the student for living expenses. Due to a lower interest rate, these loans are widely used by students. Today, many companies also offer online private student loans.