Online Student Loans – Online College Student Loan #online #college #student #loan, #student #financial #aid, #student #loan, #student #debt, #cheap #online #degree, #online #student #loans


Should You Get a Student Loan to Attend Online College?

Ivan Sanchez is two months behind on his online college student loan repayments. He owes $1,400, and soon will owe nearly $2,000. He has a new baby—his third—at home, and just $300 in the bank.

Five years ago, Sanchez earned an online associate degree in networking and security from EPCI College of Technology plus an online bachelors degree in management from the University of Phoenix Online, in hopes of advancing his IT career. While his employer chipped in $15,000, Sanchez was left owing college debt of $45,000. Sanchez was promoted, but his $10,000 raise wasn’t enough to keep up with his online college student loan payments.

Sanchez is not alone. Nearly half of all students graduate from online college degree programs with unmanageable student debt. according to Marc Scheer, author of No Sucker Left Behind: Avoiding the Great College Rip-off.

The big question: Will online student loan debt be worth the final price of an online university degree?

How Much in Online University Student Loans?

But there are also students who borrow money and don’t end up in Sanchez’s shoes. Most experts agree that students can safely incur a small amount of college debt to fund a quality education. The difficulty comes in defining terms like “small” and “quality.”

How much debt an online student can bear depends on a number of variables, says Karen Fooks, director of student financial affairs for the University of Florida. “Does the person have a family to support? How high are the mortgage payments and current consumer debt? What field of education is the individual pursuing? How long will it take? What is the market for employment in that field? And what are average salaries in that field?”

Students should borrow based on the lowest end of what they can expect to earn as a starting salary, says Scheer. “You don’t want to spend more than five percent of your salary on loans,” he says. (The industry standard definition of “unmanageable” is closer to eight percent.) An online calculator can help students crunch the numbers; Scheer likes the ones at FinAid .

You don’t have to borrow the entire amount you qualify for, says Megan Castro, who took out a small student loan to earn her bachelors degree from Washington State University. Her husband qualified for a $25,000 loan for his online degree program through University of Phoenix. “We talked about it and decided to only accept $5,000,” says Castro. “That was a very good decision, because we would have most likely wasted $20,000 on things that were not needs.”

Which Type of Online Student Loan?

The size of the loan isn’t the only influence on the weight of your debt. The source and terms of the loan matter, too. In general, students should avoid private loans, say both Scheer and Fooke. Government student loans offer lower interest rates and more flexible repayment options. And many government student loan programs allow online students to cancel or defer payments if they enter certain fields or active military duty. CitiBank’s Mark Rodgers says that its CitiAssist program does let borrowers pay back debt gradually or even suspend payment for “short-term unavoidable circumstances,” but Sanchez says that he has not been allowed to take advantage of these options.

Compare Online University Cost Carefully

Borrowing or assuming college debt only pays if your online degree boosts your ability to earn money, which means an employer must recognize its value. Students should attend only accredited online schools where they will earn a recognized degree and be able to transfer their credits if they choose to leave. And, says UFL’s Fookes, “Students should be wary of dubious claims of guaranteed employment after graduation or unrealistically high earning potential.”

There’s only one way to know for sure how employers will view a particular degree or a particular program, says Scheer—ask. “Sometimes you have to go right to the employer, even drop them an email: ‘Would you consider hiring anyone from here? Would you recommend that I pursue this degree?’”

Several factors make it tough for students to make good decisions about borrowing.

  • Ubiquitous and misleading ads by private student loan lenders. Private lenders often advertise heavily, telling students they can borrow large amounts without the hassle of applying for financial aid. But government-backed student loans often have much better terms, says Fooke.
  • Pressure by for-profit online college admissions officers to sign you up. Some admissions officers—particularly those at online for-profit colleges who need to enroll larger and larger incoming classes—may pressure students to act fast, before they research all their options. “There are plenty of schools that are sending out mail and email telling people to apply and enroll at their school with very little regard to their debt levels,” says Scheer.
  • Lack of financial aid counseling. Online schools don’t always counsel students about financial issues. Castro says that because she went to school online, it would have been a “huge task” to seek out advice from an on-campus financial expert, so she asked family members instead.

Sanchez says neither EPCI nor the University of Phoenix Online counseled him about debt. Would more information have made a difference? “Absolutely,” Sanchez says. “I’m not sure I would have kept going to school had I really known the position I’d be in today. “You feel like you get educated and all your problems are solved, but this has just put a tremendous burden on my family. I don’t feel like I really gained a whole lot, at the end of the day.”

Will your new online degree be worth the cost and student loan debt? Ask yourself that question—then take out student loans accordingly.

Online Student Loans Resources

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Colleges Universities

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Enrollment Reporting. Financial aid student enrollment verifications and deferments provided on your behalf to lending organizations and NSLDS.

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Meteor . The nation’s only real-time loan tracking and debt management tool.

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StudentTracker . Allows you to research postsecondary enrollment and degree records to improve your educational research results and enrollment management efforts. Ask your Clearinghouse rep how you can qualify for free StudentTracker.

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Financial Aid

Blinn College’s FAFSA School Code for ALL campuses: 003549

To better serve students enrolling at the Bryan campus, these services have been relocated to the Central Administrative Services Building at 3125 S. Texas Ave. Suite 1900 (Tejas Center) in Bryan (Map ).

Admissions Records, Enrollment Services, Financial Aid, Veterans Services and Academic Advising.

Financial Aid is a new and different process than most students and parents are accustomed to. Here is some information about what you can expect.

  1. Processing takes time. While there is a large amount of automated processing there are specific requirements that must be performed manually. Expect 1-2 weeks if you respond quickly to our requests. During peak times (July, August, and January) processing may take longer due to increased work loads.
  2. Students will be notified through their Blinn email account, personal email account, and the myBLINN portal. Monitor your email and myBLINN. Instructions for maneuvering through the Financial Aid section of myBLINN are below.
  3. All students must accept their terms and conditions, and complete all other requested documentation before they will be awarded.
  4. Students are responsible for making sure all complete academic transcripts are in Admissions. Each student must meet Blinn College Satisfactory Academic Progress standards to receive financial aid.
  5. Blinn uses a process call Pay As You Go to drop students for non-payment prior to the start of each semester. Pay As You Go begins weeks or a month or more before each semester begins. Students and parents must prepare ahead of time. The closer to the Pay As You Go dates we get the slower the response time becomes due to a significant increase in work load.
  6. You can see additional information about Financial Aid information and how we process at our Financial Aid Disclosures.
  7. Our priority deadlines ensure that if students have submitted all information by that date that they will be awarded before the Pay As You Go date and will have to respond properly if they are responsive to what steps they need to take next.
    1. Fall – June 1st
    2. Spring – October 1st

Each student admitted to Blinn College has a myBLINN account. The acceptance email you received contained your user name and initial password. With your myBLINN account you are also assigned a Blinn College email address. All notices of required documents, award notifications, or other correspondence from the Financial Aid Office will be sent to the assigned Blinn College email account. We have provided links that will be useful to utilize the myBLINN portal to answer many of your questions that pertain to financial aid. Please familiarize yourself with the different links available.

How to use your myBLINN Portal

How to Setup your Email Account

General Information

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Top 10 Medical Schools

Click here to see each of the Top 10 med schools

Yearly medical school rankings are always a point of debate among medical schools and medical students. No single method for determining these rankings works perfectly, and every institution feels it should be ranked higher.

What should be weighted? What matters more, debt load or NIH grant funding? Having two lists – research and primary care – deals with this problem a little, but it also points out where weaknesses reside.

Medical school finder. See how your MCAT scores and GPA would fare at ranked medical schools across the country.

According to our proprietary ranking tool (accessed at top right), StudentDoc’s Top 10 medical schools for 2014 are as follows:

Compare these medical schools to the US News rankings of top graduate schools:

Top 10 medical schools for 2014 (research):

Top 10 medical schools for 2014 (primary care):

1. University of North Carolina, Chapel Hill
2. University of Washington
3. Oregon Health and Science University
4. University of California, San Francisco
5. University of Colorado, Denver
6. University of Nebraska Medical Center
7. University of Minnesota
8. University of Michigan, Ann Arbor
9. University of Massachusetts, Worcester
10. University of Alabama, Birmingham

Find out what goes into Medical School Rankings

And as you consider where to apply, geography comes into play. Live near home, or take off for regions unknown? Hear the call of the ocean? Want to live where the leaves change colors with the seasons? Check out the Top 10 schools broken down by geographic region:
Med School Rankings: Midwest
Med School Rankings: West and Southwest
Med School Rankings: Northeast
Med School Rankings: Southeast

Medicaid and Nursing Homes – Sean W #medicaid, #nursing #homes, #assisted #living, #asset #protection, #veteran #benefits, #alzhiemer’s, #parkinson’s, #dementia, #pinellas, #pasco, #lee, #citrus, #hernando, #elder #law, #elderlaw, #dcf, #veteran #benefits, #aid #and #attendance, #spend #down, #personal #care #contract, #florida #medicaid, #medicare, #100 #days, #diversion #program, #florida #long-term #care, #medicaid #waiver, #income #cap, #income #trust, #miller #trust, #durable #power #of #attorney, #alzheimer’s, #caregiver, #va #benefits, #va #contract, #estate #planning, #wills, #trusts, #durable #power #of #attorney, #dpoa, #health #care #surrogate, #living #will, #map, #nursing #home #locations, #nursing #home #ratings


Getting old is not easy .

Help is on the way. A new set of challenges awaits as we grow older: Incapacity, the specter of mortality and nursing home care. Our primary focus since 1990 has been to help our clients avoid the financial ruin of long-term care expenses. The average cost of nursing home care in Florida is above $10,000 per month. If the nursing home is part of your reality, you must take action or be wiped out financially.

Quick Click and Go Links

We hope that the resources and information available on our site will help. Should you need more information or solutions including help with asset preservation and Medicaid qualification, please call our offices at 727-539-0181 and schedule a FREE consultation. We serve the ENTIRE state of Florida and teleconference or video conference with clients that cannot meet with us face-to-face.

Sean W. Scott, Esq.

Our Facebook Page

• Looking for a nursing home? Our new Florida Nursing Home Map makes it easy to find a nursing home. Now with star ratings and other data.

• New mobile site. Check it out on your iPhone and Android at

• NEW virtual law office at the University of South Florida Alzheimer’s Byrd Center. In addition to our offices in Pinellas county. Punta Gorda. and Inverness. The new virtual office allows us to meet directly with clients by video conference without having the client having to leave the center.

• New Facebook integration on our home page. Yay!

• Check out our aging and dementia store for a collection of books and products we find helpful for our clients including The 36-Hour Day.

​ TOTAL CLIENT SERVICE is our mission. The complexity of the issues facing aging clients and the need for integration of multiple disciplines defines and sets us apart from others who purport to do Medicaid filing or planning. These non-professionals often lack the training and experience to adequately meet the needs of the client and are often merely a way to sell financial investments to the client. Not only are the motivations questionable, but they cannot provide the legal services required such as powers of attorney, income trusts, and the complex estate planning that is necessary in every case. We serve the entire state of Florida with physical offices in Pinellas, Citrus, Lake and Charlotte Counties. Please contact us for a free, no charge, initial personal consultation, phone consult or video consult. More.


An integral part of obtaining Medicaid benefits is meeting and understanding the Medicaid eligibility requirements. Income, assets, and transfers are the big three eligibility tests that the state uses to determine if you qualify for benefits. More.

Unfortunately there is a break down in our Medicare system when in comes to coverage for nursing home care. Medicaid helps fix the inadequacies of Medicare. Risk factors like Alzheimer’s and Parkinson’s make it critical to plan now, before placement if at all possible. More.

If you are looking for some quick answers to your Medicaid questions check out our Top Ten Medicaid Mistakes and The 2017 Medicaid Fact Sheet. While the issues of Medicaid are much more complex these resource are a great place to start. More…


For over 25 years we have helped our clients preserve their assets when facing a stay in a nursing home or assisted living facility. By accessing Medicaid and or veteran’s benefits to pay for care, an entire life-time of savings are protected. More.

Everyone must have a plan in place in the event of death or incapacity. Powers of attorney, wills and trusts put a co-pilot in place and are a fundamental part of future planning. More.

Few of us have ever had to choose a nursing home or assisted living facility. To help, we have dedicated staff ready to consult concerning placement options and care plans. We also have created an on-line resource, the Florida Nursing Home Map to provide easy access to location and information on Florida nursing homes. More.

We have some great videos on Medicaid, powers of attorney, estate planning and other issues on our video page. Sometimes it is just easier to watch something than to do all this reading. Check them out. More.

If you can’t make it out to one of our live Medicaid seminars, we have a Medicaid audio recording to listen to. Note that it was not recorded this year so you will want to check out the most current Medicaid eligibility information. More.

Our passion is to educate our clients and the public. Come see a live Medicaid seminar at a location near you. Or attend our upcoming Webinars where you can participate right from your computer. Learn how to navigate the maze of Medicaid to pay the cost of care in a nursing home or assisted living facility. See our live seminar calendar. More .

For a limited time Sean’s Medicaid Handbook is available as a free download. Click to download a pdf version to read on your computer, iPad, Kindle or Nook. More . .

College Costs #nmsu #financial #aid #office


College Costs

How much does it cost to attend UNT?

The Cost of Attendance (COA) is an estimate of the cost for students to attend UNT for an academic year The period during which school is in session, consisting of at least 30 weeks of instructional time. The school year typically runs from the beginning of September through the end of May at most colleges and universities. (fall and spring) and/or the summer term. The COA is used, along with your financial need The difference between the COA and the EFC is the student’s financial need – the gap between the cost of attending the school and the student’s resources. The financial aid package is based on the amount of financial need. The process of determining a student’s need is known as need analysis. to calculate your financial aid Money provided to the student and the family to help them pay for the student’s education. Major forms of financial aid include gift aid (grants and scholarships) and self help aid (loans and work). awards. The total of federal, state and institutional awards cannot exceed the COA. The COA covers tuition and fees and basic living expenses (billable and non-billable costs) defined at the bottom of the page. It is necessary that you budget and manage your financial aid funds appropriately. F-1 and J-1international students will have costs provided on their immigration documents by UNT-International, which could vary from the COA, based upon immigration requirements.

The Texas Higher Education Coordinating Board website has a Net Price Calculator that provides a rough estimation of costs to attend a Texas institution.

Gainful Employment Disclosure
For more information on Graduate Academic Certificates, see our gainful employment certificate disclosures

Cost of Attendance Definitions

Tuition and Fees (Billable) – The average cost of tuition and fees for a typical student is based on enrolling 30 hours per year (15 hours in fall and 15 hours in spring). The actual costs that a student incurs will vary depending on the student’s degree or certificate program.

Room (Billable on-campus; Non-Billable off-campus) and Board (Non-Billable) – A reasonable estimate of what it would cost to live on-campus or in Denton while attending school. Actual costs may vary by individual choices related to location and circumstances.

Books and Supplies (Non-Billable) – The average cost of books and supplies for a typical student for an entire academic year (fall and spring terms) or summer term.

Transportation (Non-Billable) – Represents travel to and from parent’s residence and transportation costs to and from class and work.

Personal (Non-Billable) – Personal items not included in room and board expenses.

Fed Loan A loan is a type of financial aid that must be repaid, with interest. The Federal Student Loan Program is a good method of financing the costs of your college education. These loans are better than most consumer loans because they have lower interest rates. The Federal Loans and Perkins Loans also provide a variety of deferment options and extended repayment terms. Fees (Non-Billable) – The average fee charged to a typical student to cover the processing costs associated with federal student loan programs.

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rehab specializes in computer adaptations and builds custom software solutions for children and adults with disabilities. Our flagship product Vocalize is an innovative speech assistant that we developed with speech impaired persons to enable them to speak in a friendly human voice using standard computer equipment. We also offer FREE product searches .

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To find a product, click here . Our assistive technology specialists will conduct personalized product searches, recommend appropriate solutions, and send you relevant links and references to the products that best meet your needs and requirements. Simple as that! So don’t hesitate to try our Product Search Referral service today.

Check out ‘s favorite links and find assistive technology products, augmentative communication devices, computer access aids, and other adaptive equipment.

Click on the links below to conveniently access the largest product catalogs, databases, and vendor directories available on the Internet. To quickly find what you need, use our color-based Assistive Technology classification. Learn more.

This collection of links is provided to you for informational purposes only. Be sure to read our disclaimer .



Assistive or Adaptive Technology (AT) commonly refers to products, devices or equipment, whether acquired commercially, modified or customized, that are used to maintain, increase or improve the functional capabilities of individuals with disabilities. Learn more.

Assistive Technology is best understood when divided into categories or product families. Click here to view rehab ‘s thorough Assistive Technology classification.

Welcome to the Assistive Technology Online Community! Your destination for finding and exchanging information about assistive technologies. It’s FREE and a lot of fun! You can interact with other members, find answers to your questions, seek advice, or share ideas through discussion forums, email lists, and chat rooms. To become a member, visit the community web sites below and choose Join or Subscribe .

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Have questions about Assistive Technology? Need help finding adaptive equipment? Subscribe to the AT 4HELP email lists and start sending messages to other members today! Click on Yahoo! Groups or Topica .

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To join, or just visit the Assistive Technology Clubs, click on MSNYahoo! or Lycos .

Online Colleges that Offer Financial Aid #cheap #online #colleges #that #accept #financial #aid


Online Colleges that Offer Financial Aid

Online colleges that offer financial aid are making the lives of higher education participants easier. Many people have lost their jobs due to the economy and wish to pursue additional online courses through top online colleges to improve their chances of finding sustainable employment. Online colleges that offer financial aid are ideal for program participants who cannot afford to pay for their distance education fees outright.

Lessons to Learn

Online colleges that offer financial aid are helping the masses. It must be noted that not everyone will be eligible for financial aid. If you are able to afford taking courses from top online colleges without taking out financial aid, you might be better off in the end. Many people choose to continue working while they take a course here and a course there; however, it still may not be enough money with the increasing costs of education in general. If you do choose to take out financial aid and you become approved, only take out the bare minimum you need. It may be tempting to take out more than you truly need because it seems like free money at the time. You should keep in mind you must pay this money back as soon as you stop taking courses. Given the state of the economy, it may be quite some time before you are able to pay back your financial aid. You are allowed payment plans and deferments, however, they all have limitations. It cannot be expressed enough to only take out the minimum you require.

You should also be mindful of the distribution and balance of your financial aid. Many students have reviewed online colleges that offer financial aid in a negative light because of these issues. You should monitor your financial aid distribution at the beginning and end of each term before and after you sign up for classes to ensure it is being distributed properly. You may be assigned a university counselor or liaison to help you with your education planning. Many students are being lost in the employee shuffle. At the end of the day, it is your education and your financial aid. You should never trust that someone else is taking care of it for you. It is your responsibility. You do not want to end up owing the school money because your financial aid ran out and you continued taking courses not realizing it was gone. This happens quite frequently. You have the power to prevent this situation.

Advantages of Online Colleges that Offer Financial Aid

If you choose to accept financial aid from top online colleges, you might have greater opportunities straight away. You might be able to work less hours and take more courses at one time to finish earlier. Once you complete your degree or certifications, you can apply to better paying jobs with top employers. The earlier you finish, the closer you will be to financial stability.

Online colleges that offer financial aid can make your life easier if you use it properly and take control of your finances. Continued education is always a good idea. Start a course today.

that Offers YOUR Degree

Scholarships – Financial Aid #financial #aid #nursing #school


Scholarships Financial Aid

Fay W. Whitney School of Nursing


. for UW Fay W. Whitney School of Nursing Students

The following scholarships are for those students who have already been admitted to the Fay W. Whitney School of Nursing. To apply for these scholarships, please go to the “UW Offered Scholarships” link in the scholarship section of the UW Student Financial Aid website ( ).

There are some nursing scholarships that require you to submit an essay. The remaining scholarships are based on merit, specific student populations or financial need, and you will automatically be considered if you meet the criteria. We encourage you to take some time to review all scholarship opportunities and apply to those scholarships for which you are eligible.

Nursing Alumni Scholarship

Rudolph “Rudy” Louise Anselmi Jeri Kirk Family Trust for Nursing Scholarship

Gardie and Barbara Shannon Banister Scholarship for Doctor of Nurse Practice Students

Blue Cross Blue Shield of WY Caring Foundation – Meeting the Needs of Wyoming Through Nursing Scholarship

Polly Chase Scholarship

Marcia L. and William G. Dale Nursing Scholarship

Rosalie Fields Nursing Scholarship

Frances E. Gasdek-Eaglehouse Barry D. Gasdek Scholarship

Frank Dorothy M. Gruden Scholarship in Nursing

Mildred Agnes Kimball and Adele Colling Nursing Scholarship

The Larsen Family Scholarship

John V. Leino Memorial Nursing Scholarship

Gertrude Gould Lindsay Scholarship

John and Lois Malmquist Nursing Scholarship

Carolyn Bennett Miknis ’59 Nursing Scholarship

Gordon S. and Charlott Myers Scholarship for Nursing Students

Bonnie M. and George E. Nugent Nursing Scholarship

Pearl Crossley O’Kieffe Memorial Scholarship

Jana Leigh Pruitt Memorial Scholarship

Charles and Ruth Rile Scholarship for Nursing Students

Paul Stock CHS Scholarship

Dorothy Tupper Nursing Scholarship

Clayton Unger Nursing Scholarship

Wiest Nursing Scholarship

W. K. Wolf, MD, Memorial Scholarship

Other Opportunities for Financial Aid

. that are not accessed through the UW Student Financial Aid Scholarship system:

Wyoming Accelerated Loan Repayment Nursing Program

(Western Interstate Commission for Higher Education and Western Regional Graduate Program)
Go to ; review the page; make sure you check out the “Frequently answered questions about WRGP” link mid-page

  • Application available from the Wyoming Community Foundation ( ).
    The application is lengthy, needs a current transcript attached. The WCF awards six scholarships at $5,000 each. If you received this scholarship as a junior, you need to reapply, since it does not automatically carry into the senior year.

    Eligibility Criteria for Mabel C. Sargent Scholarship:

    – Junior and senior nursing students of the University of Wyoming enrolled in a program leading to a B.S.N. degree.
    – Applicants must have at least a 3.0 cumulative GPA.

    Wyoming Legislative Scholarship Funds (“Wyoming Investment in Nursing – WYIN”)
    Application deadline July 12 to UW Financial Aid

    Explore these additional links: