“I am a college sophomore and I pay for school myself. For the last two years, I have used my parents’ tax information on the FAFSA. Since I pay for school myself without any help from my parents, should I list only my own tax information to be eligible for more aid?”


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Missing payments on your student loan has serious consequences. If you’re making monthly payments and you’re 270 days delinquent, or 330 days delinquent if you pay less often than monthly, then you are in default.


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Learn time management skills for students to create a good work balance. Find helpful time management ideas to alleviate stress and be more productive.

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Never think that what you've written can't be improved. You should always try to make the sentence that much better and make a scene that much clearer. Go over and over the words and reshape them as many times as is needed.

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Sometimes study online at home is a good alternative. Many courses can be studied online at a time and place of your preference. The back side of studying at home is that you do not get the same social network and that you need to keep the motivation up in order to complete the classes.

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Anyone who borrows—whether for a flat screen TV or a college education—has a moral obligation to pay all debts in full. And taxpayers naturally want all who took out federal student or parent loans to pay back every penny they owe. The government enforces the sanctity of student debt obligations with comparatively draconian laws. Unlike most other loans, federal student loans have no statute of limitations, are extremely difficult to discharge in bankruptcy, and can be collected even from debtors’ Social Security payments after they retire.

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Like many college students, you probably didn’t give much thought to your student loans while you were in school. Once you graduate, however, you are faced with the daunting prospect of paying off all of the debt you incurred during your time at college. Consolidating your loans is one way to make this process simpler and you may even be able to lower your payments and interest rate. When you apply for financial aid, whether you do it through the federal FAFSA program or through a private lender, this aid often comes from several different sources. Once your loans come due, you will receive bills from each of these sources and have to pay all of them individually. Consolidating student loans simply means bundling of your different loans into one loan with a single monthly payment.

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It is getting increasingly harder to get into a four year university these days. Many schools are going through an enrollment freeze due to the current economic status that the country is in. Today's technology allows information to be sent and received at lightning pace. This has helped to increase the applicant pool. In our current society, more jobs require some type of post secondary education or training.

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Action learning is a learning and problem-solving strategy for organizations, whether commercial, government or non-profit.

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Make studying a part of your everyday school routine and don't be limited to 'cramming' for exams and tests.

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