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College education is costing more every year making it very difficult for a student to attend both public and private colleges/universities:
A staggering statistics from the National Center for Educational continuing education Statistics stated that between 2001 and 2011 the cost of education went up 42% in the United States for public education. The percentage was a little less for the private not-for-profit institutions with an increase of 31%. The increase was dramatically lower for the private for-profit institutions with only a 5% increase from 2001 to 2011.
This cost was the average tuition, room and board inflation-adjusted prices for the full-time student.
These are cold hard facts when one is considering higher education in this day and age. Depending where you live in the United States, the cost of college education can be affordable or it can be very expensive for the middle class. I say this because if you are poor, you will get more help from the government provided you have done well academically and you can demonstrate a lot of need. The middle class is constantly being strangled financially in this economic environment.
Can the middle class and poor students get a college education to better their situation in this country? Conquering the cost of college education
The answer is emphatically, yes. No matter how expensive the cost of education gets, it is worth the investment in the long run for many reasons that I don’t have to explain. As the cost of college education becomes more expensive, parents and students need to look closely at their home state colleges and universities. If your state system is getting out of control with their price tag, you need to look at states with great public education at a reasonable cost.
These great public institutions with great price tags seems to be located in the southern part of the US, mid Atlantic states, and the mid west.
Most American students attend public colleges and public universities, and I am asking you to approach your college search process with open mind without geographical restriction. An affordable education may be two states away or clearly across the country. You will have to do your research to find these institutions and they tend to be in areas with lower cost of living.
Is there any relief in sight for this population that is being strangled by the high cost of college education along with the high cost living? Conquering the cost of college education
The answer is No. With each generation, the cost of education is naturally going to become more expensive because that is the way it is. As the cost of living rises, so will the cost of education. In the early 1970’s, the cost of education at a public state college was approximately $3,000 a year for everything and by early 1990’s it was around $8,000 a year for everything (in MA). The cost of education rose at a close proximity to the cost of living in the continuing education for nurses 60’s, 70’s, 80’s and 90’s but currently for the most part, it is out pacing the cost of living.
This deviation from the cost of living is strangling most middle class families financially when it comes to financing their children’s education.
The latest survey from the College Board tells us that a moderate budget for the school year of 2012/2013 at a public institution was $22,261 for everything and at private institutions it was $43,289 for everything. There is no end in sight for this gradual increase every year and the only remedy is to shop wiser. The cost of college education is mainly tuition and fees but in most cases, it will include housing, meals, books, school supplies, personal and transportation. This all depends if you live on campus or live at home.
The cost of a college education can be overwhelming but college comes at different levels of cost and there are ways to lower your cost of attendance with the use of financial aid and scholarships. Another way to lower your cost of attendance is to attend your local community college for the first two years and finish your junior and senior year at a four-year institution. You can also commute to school by living at home, which will eliminate room and board. Don’t let the price tag of a college/university deter you from applying if the institution is a good fit for you. Apply and see if the financial aid package can bring down the price to where you can afford to attend that particular institution with little help from your parents.
Did you know that the cost of a 4 year degree program is around $20,000 dollars per year.
The cost of a college education is probably the most expensive item in bringing up children today. When you take into account tuition fees, exam fees, living expenses, accommodation, books and computers it’s not surprising that the average cost of college education is over $20,000 per year and that’s before the social side of college life.
Today we live in a world where only the best educated and most prepared can succeed. The Job market is probably the most crucial and competitive element of our society and having a college education and degree goes a long way towards succeeding in it.
When our children are ready to enter the world of work it will be even more difficult and a college education will be essential to succeed. Here are 5 ways to fund your child’s college education.
1. The usual method of parental funding of college education is out of current income, that is out of your weekly or monthly salary.
Whilst this is the most common method of funding college education it is one that only the very rich or highly paid can afford to do with ease. Even if there are 2 salaries most families find it difficult and will require sacrifices, even more so if you have more than 1 child. At best most parents can only afford to contribute part of the costs of college education out of current income. Additional sources of income will be required.
2. Your child can work his or her way through college.
Many students have to work whilst studying but many find the experience of juggling a job, lectures and a social life very difficult. Often the result is that students drop out of college education, fail their exams or don’t do as well as they could.
3. Your child may have the opportunity to take out student physical therapy continuing education loans to fund their college education.
Today the vast majority of students are forced to take out student loans to fund all or part of their college education. Usually to subsidize parental contributions, student loans are the most common way of students funding their own college education. Many students however, leave college with substantial debt and even with interest rates at historically low levels today’s students can expect to have to pay substantial monthly repayments for many years.
4. Your child may obtain a scholarship or be entitled to grants from either federal or local funds towards the cost of their college education.
There are many sources of student scholarships or grants and with a bit of research most students today can find some grant funding. These sources however cannot be guaranteed for the future. Whilst scholarships and grants do not have to be repaid and as such are preferable to loans they are not guaranteed or predictable and therefore relying on them for our children is a risk.
5. Take out an education savings plan to fund college education.
An education savings plan is a regular saving plan into which you and your children can contribute. The plans are administered by colleges or state authorities and can be taken out for any child including a newborn babies. Because of the effects of long term compound interest the earlier you take out your plan the easier it will be and the lower your contributions will be. Because the funds are built up prior to going to college students do not have to rely on scholarships, grants or loans and they can concentrate on their studies.
There are a number of options to fund your child’s college education but the only way funds can be guaranteed is by you taking out an education savings plan. With the education savings plan you decide what you can invest and your child can also contribute to his or her college education. With luck scholarships and grants will still be available as will loans to top up if necessary. If your child does not go to college the fund can be cashed in.
Taking out an education savings plan early will give your child the real opportunity of a college education and the best prospects for a job when they leave college.
John worked for many years in insurance and finance and recently completed a degree in Creative Writing. He now writes on a number of topics including education. For more information on college financing go to Grants and Scholarships [http://www.in-education.com/grants-for-college-students.php] or go to In Education [http://www.in-education.com] for a selection of articles on education for all ages.
Does the cost of college education outweigh the benefit of college education? Emphatically NO. Conquering the cost of college education
It doesn’t matter how much your college education cost you because you can never put a dollar amount value on the education that you get by acquiring a four-year degree from any institution in the United States. Whether you get a bachelor’s degree or a master’s degree, you can never put a dollar value on it. If anyone tells you that a college degree is not worth anything in today’s economic culture, don’t listen to him or her because they either are jealous or ignorant. Formal education is not only crucial to your livelihood but it also enhances your life, the life of your insurance continuing education children and the life of their children.
How you pay for your education depends on many things that you may have control over and some things that you don’t have any control over. Depending on what kind of transcript you create in high school, your economic situation, your ethnic group and your talents, the cost of college education can vary from you paying next to nothing to you paying the full cost of attendance. You can attend your local community college, state colleges or your State Universities to reduce your cost of college education as low as possible. Most students in the United States attend state sponsored colleges or universities. These institutions are for the most part, the best deal in town.
Why consider attending your state college and your state university system instead of private colleges and universities?
You should consider attending your state institutions because it is the best buy for most Americans. Whenever you attend a state institution in any state other than your home state, you will pay anywhere from $8,000 to $10,000 out-of-state fee which makes no sense unless you are getting a scholarship.
Public vs. private institution cost of attendance is quite large. Your state’s institutions are sponsored by your state government in order to keep the cost of attendance low for instate students. Your state institutions are nonprofit organizations and the private institutions are for profit organizations and because of this reason the cost of attendance at these institutions are currently running anywhere from $35,000 to $55,000 a year.
I am not saying for you not to apply to private institutions but consider applying to your state institutions also. Some times it can be just as inexpensive to attend a private institution as to attend a public institution because the private institutions can offer you a generous financial aid package. Most private institutions are well endowed financially and they can afford to offer you a great financial aid package.
Conquering the cost of education is a personal choice because you will have to choose where can you maximize the most bangs for your buck. For most majors that you will choose, you don’t have to attend a private institution to ensure that you land a good job and this is why I stress that you look at your state institutions for your college education.
Will you increase your personal value as a person by attending a four-year college? Value of college education
It goes without saying that your personal value goes up with the level of education that you attain. College graduates for the most part, make more money than non-college graduates over the span of their careers/lifetime. Not only will you make more money than your non-college graduate counterpart, but also the personal gain adult continuing education from attending college and graduating from college is immeasurable. The amount of money that you will make will equate with the kind of life that you will have.
For more information on how you can increase your personal value by attending college with the help from an experienced guidance counselor, click on the website below.
Students begin questioning the importance of a college education from high school itself. Some feel that being able to earn immediately after school is a more attractive proposition and they convince themselves that a college education is not that imperative in the long run. Others may find the costs of a higher education prohibitive and have other responsibilities to take care of. But, more than ever, students need to understand that attending a college provides what career is right for me opportunities and advantages that others might find lacking later on in life. Today, the global economy is becoming more and more competitive and in order to improve the chances for a well-paying job, a college education is extremely important.
According to the U.S. Department of Labor, 90 percent of the fastest-growing jobs of the future will require some post-secondary education or training. College graduates also earn nearly twice as much as high school diploma holders. The U.S. economy has shifted from being a manufacturing-based one to knowledge-based. Unlike with past generations, high school graduates are unable to qualify for the high-paying jobs that are now available. A college education undeniably serves as a gateway to better options and more opportunities.
There are a number of other reasons as to why it is important to go to college. Attending lectures from experts in the field, reading and researching encourages students to think, to ask real estate continuing education questions and to explore new ideas. All this adds to student’s development and growth and provides college graduates with an edge over those who have only graduated from high school. College life also provides one with valuable connections and resources adding to the number of options available after completing graduation. Long after college is houston seo expert over, the people you have met may prove useful.
The variety of courses and programs available can be as specific or generalized as you require. From the arts and the humanities to pure science, business management to information technology, health care to graphic arts – the list is endless. Depending on one’s interests and aptitudes, a number of exciting career options are possible.
A college education is the best possible way to insure a higher earning power after graduation. There are a number of different majors to choose from, all paying differently but on the whole, a college graduate houston seo company will earn more money than those who do not have a college education or degree. Companies are also looking for well-rounded employees. Those that can hold a conversation with confidence and a college degree signifies the level of discipline, effort and intelligence that most employers look for.
In fact, in keeping up with the increase in demand by mature students, colleges are offering more options for students who wish to return to their education even after they have entered the work force. People now realize that it is never too late to increase your earning potential or improve your chances of being promoted by seeking a higher education. Whether its people taking a break from their jobs or switching careers and resuming their education or those adults who are returning to complete an education that was left unfinished the first time around, schools now offer special online and accelerated courses as well. This allows even more options for those students who are juggling careers, Houston SEO family, and their education.
There is no doubt that colleges and universities today carry a heavy price tag along with them, but this should not discourage anyone from obtaining a college education. As the cost of tuition increases, so do the financial aid options. These could include local, corporate, federal and college specific loans, funds, and grants. Potential students need to explore all avenues of assistance before planning for degree program.
The truth of the matter is that there are no disadvantages to graduating with a college degree program. Along with increasing one’s earning potential and promotion potential, the most important improvement occurs with one’s self-image. A college education gives one a sense of accomplishment and confidence that may be just trade school what is needed in your professional and personal life.
CollegeAmerica was established in 1964. It has six campuses with comfortable facilities in Colorado, Wyoming and Arizona. It has trained generations of graduates for new careers in high continuing education credits demand jobs through its high-value degree programs.
If college students could have one wish it might be to receive a good college education without having to spend the next twenty years paying off massive student loans and college student credit card debt.
“Genie, grant me my wish.” Poof. What college no credit check car lots student credit card debt?
Dear Aladdin wannabe’s, if only it were that easy! The truth is you can earn a great college education with less college student credit card debt. It takes a little money management savvy and an increasingly un-American concept called self-control.
“There are more money issues for today’s students used cars houston than in any other generation before them,” says Todd Romer, executive director of Young Money Magazine.
From the rising cost of colleges to luxuries like cell phones and high-end dining establishments that are popping up all around college campuses, you may find yourself graduating into car dealerships in houston college student credit card debt hell by the time you’re twenty-two years old. And all you truly wanted was a debt-free college education!
If you’re looking to stress less about money and be proactive about college student credit card debt, give the following tips a try:
1. Use credit cards sparingly.
The average credit card debt owed by college students is about $2,700, with close to a quarter of students owing more than $3,000. About 10 percent owed more than $7,000! That’s not even including student loans.
“Getting a credit card is not a bad idea,” says Romer. According to a recent study of student loan applicants conducted by Nellie Mae, a leading provider of higher education loans, 78 percent of all college students today have at least one credit card. That being said, Romer advises that college students keep your credit lexus houston card in the deepest part of your wallet to use for emergencies and/or large purchases that you know you will pay back within thirty days.
Have a tendency to use credit cards as, say, gift cards? Romer suggests that college students call their credit card company and ask them to put a $500 max on the card. Also have them not change the limit until you are the one who communicates to them that you want to increase your credit limit. “Until you become more responsible, and that just evolves over time, have a third-party reign in on your spending,” adds Romer.
But how can you earn a college education minus college student credit card debt when some colleges and universities form multi-million dollar partnerships with credit issuers and give them the go ahead to solicit students right on campus? “If you see a Bank One credit card table showing up at your school in the student union bmw houston once a week, just realize that you don’t have to participate in the promotion on campus,” says Romer. “Treat it like anything else you’re going to be tempted with in this world. Be smart about what you get involved with.”
2. Start a budget (ahem) weekly spending plan.
Yeah, a weekly spending plan is a sneaky euphemism for a budget, but c’mon, we have to make it sound a little more appealing to you college students. “In terms of taking charge of your finances, it really starts with knowing what you truly make,” says Romer. “Look at it as a weekly spending plan to help you earn a college education and reduce the stress of college student credit card debt.”
Romer adds that while more college students are working part-time or full-time than ever before, many still find that they’re spending more than they’re earning. “If you monitor your weekly spending plan about twice a week, you should be good to go,” he adds.
3. Be smart about college student loan debt.
“When it comes to your student loan, look at it as the most positive loan you could ever have and try not to stress too much about having to pay it back because you’re investing in your college education,” says Romer. That being said, you can escape graduating with student loan and college student credit card debt as high as our parents’ mortgages. For one thing, don’t be swayed by the hype about how everyone’s attending a name brand college and racking audi houston up student loan debt so — therefore — you might as well, too.
An article on CollegeBoard.com reveals that for the 2006/2007 school year, about 65 percent of students enrolled at four-year colleges or universities attend institutions that charge tuition and fees of less than $9,000 per year and fifty-six percent of students shell out yearly tuition and fees between $3,000 and $6,000. Moreover, while private four-year institutions have a much wider range of tuition and fee charges, College Board reported that only about 5 quickbooks classes near me percent of all students attend colleges with tuition and fees totaling $33,000 or higher per year.
If your life long dream has been to earn a college education from a name brand college and you have your heart set on it, go for it! Romer suggests that you scrap for every type of scholarship and financial aid available though to avoid a college student credit card debt nightmare.
However, if you think that a name brand college is the only way to ensure future success and earning power you’re mistaken. “If you have a four-year degree, how you end up carrying yourself in an interview is much more important than whether you graduated from an ivy or a state school,” says Romer.
4. Think hard about graduate school.
Some new grads who aren’t yet ready for the working world decide to go to grad school immediately after college. While there are right reasons to go to grad school immediately after earning a college business analyst training education, if you’re doing it for the wrong reasons, it’s a huge financial sacrifice, not to mention the years you’re missing out on gaining work experience.
“Gaining work experience is very important and you always have the opportunity to go back to grad school,” says Romer. “A lot of times, the company that you are employed by has the ability to pay half, if not all of your grad school expenses.”
If you have a concrete plan for grad school and where it will take you, it might not be a bad idea to go straight to grad school. If you’re just going because you don’t know what you want to do with your life, Romer advises that you gain a little work experience first. Explore careers and start to pay down some of your college student credit card debt. “Going to grad school without a concrete plan is going to be a financial negative on you because early childhood development you’re not guaranteed that you can make a salary to help you pay back those loans relatively quickly,” he adds.
According to FinAid.org, a financial aid resource, the average graduate student borrows $37,000 in student loans – $42,000 if you count undergraduate debt.
5. Invest, invest, invest.
“Establishing a weekly spending plan in college and learning how to invest raises students’ confidence in their ability to take charge over their finances after they graduate,” says Romer.
“But I’m a broke college student already in credit card debt,” you trade schools in texas might protest. “I don’t have money to invest.” Romer says just $25 to $50 a month will do to start. “Commit to learning how to invest because of the power of time and the power of compound interest,” he says. Romer adds that another benefit of college students investing while they’re still earning a college education is how it actually changes your spending behavior in other areas of your life.
“Once college students see that their money is beginning to work for them they might look at how they’re spending money on things like clothing. They might say, ‘Maybe I don’t need that $80 pair of shoes.’ They look at their account and see it’s growing and want to be able to add more to it.”While there is always a lot of debate bookkeeping classes as to whether an online college education is as good as a traditional college education, the answer is really very simple; there are good institutions that offer an online college education and there are bad establishments that offer an online college education. The same holds true for traditional college degree programs.
So, just as when you are looking for an offline course, you need to do the same kind of your research when you are looking for the best place to pursue an online college education.
Of course, you normally won’t care where the college is hadoop certification located unless part of the online program involves off-line meetings. Usually the physical location just doesn’t matter. However, a lot of the other points that you would consider before attending a traditional offline college or university should also be considered before you enroll with any organization offering an online college education.
The growth in the numbers of people pursuing an online college education has led to increased competition among institutions to attract students. The best way to assess the credibility of a site advertising mercedes benz houston that they have the best online college education is to ask about the accreditation of its courses. Accreditation means that some governing body for a particular field has endorsed the course. This can be extremely important in helping you to decide who to trust with your online college education. If a course is not accredited then you need to find out why.
There may be a number of courses that have not yet received accreditation from an appropriate association or governing body but still offer a good online college education. For example, the establishment may have applied for accreditation but not yet been assessed. In that case you can actually check with the particular accrediting cognitive development in early childhood agency to be certain that they actually are in the process of assessing the application for accreditation. Another reason may be that there is no appropriate accrediting body for a course. This is less likely but, nevertheless, could be a valid reason and doesn’t necessarily indicate that the course offered is not going to be worth taking to advance your online college education.
If, however, you find that the online college education institution has been refused accreditation, then they are likely to try to tell you that accreditation is not important. And that simply isn’t true. An online college education from a non-accredited institution is not going to be viewed as positively as one from an accredited career aptitude test establishment. Choose where you go to get your online college education with care to ensure that you are not wasting your time and money by having a nearly worthless qualification.
Another factor related to accreditation has to do with professions requiring some form of governmental license or certification. You need to be certain that any college degree or other course certification career training program will be acceptable to whatever licensing body has authority over the profession in the location you live and work in. For example, a course which is accepted in one state, may not be accepted by the authorities in another state.
You need to think of the online college education arena as a marketplace. You are the consumer and as in any marketplace, you need to check the quality of the product and the ‘merchant’ according to the millionaire mentor circumstances that apply to you and your area of study. While this may seem like a lot of work at times, it is your future, your time and your money that are involved. So take used cars houston a little extra time and verify the value of any online college program (or any type of online learning) that you are considering.
We are here to critically understand the relevance of Ancient Indian education system in the modern time. Has the modern education ethos has helped to understand the Indian society. Do we want to become original thinkers again or remain in the present system which breeds mediocrity? India need to think carefully how much foreign system of education has helped her. Time has come to go back to high level of education which will produce thinkers.
Basis of Indian education has been learning and understanding. It became just memorizing after countless invasions. India was the most prosperous nation in the world in the ancient times. It believed in exploitation of the natural resources just that much which was needed. Excessive exploitation of natural resources was not done nor was it encouraged. In India people worship nature: plants, wind, fire, water, sun and so on. This proves the respect it gave to all the living plants and animals on the Earth. In Hindu religion it is said that over exploitation of the sea, should be avoided and that is known as “samudramanthan.” Giving education was considered as noble job, a solemn duty of the teacher and he should not expect remuneration from the students. A teacher used to be dedicated and did take teaching as a mission.
Academics also helped to reform the societies. We could recall the contribution made by the great economics teacher of Takshashila and Nalanda Universities; Chankaya who realized that for economic development in the region it was necessary to make an undivided nation: India. He helped Chandragupta to establish the Mauryan Empire which ruled the entire subcontinent and beyond. This empire in recent time gave the system that gave us the ethical standards which Indians value even now. The education standards were high and people came from far lands to study all streams of subjects here in India. Indians also worship goddess of education “Saraswati.” Even today it is celebrated with great fanfare.
Hindus do have a function where the child is introduced to learning and that is the culture of India. Indian society is based on education. People in education are given the highest position in society called Brahmins. In ancient times one had to work very hard to become a Brahmin. In those days it was not by birth. One had to take that profession then only he could become a Brahmin. The Brahmin could not take money to give education. Education in ancient India was free to all. The kingdom would fund education. India is a country which has low literacy but high education. People know about life, nature, plants, and its importance and so on.
Indian education system was based on the principle of total development; mind and emotions. Indian system paid great emphasis to development of ethical sole and therefore, introduced brahmacharya system. During this period a student is supposed to learn only. Indian system gave emphasis to learning through practice. It was indeed based on religious practices and religious acts. One must appreciate that religion in those days was just a way of life hence, no conflict with education. One had to follow a strict way of life which one has to still follow. Athavaveda an ancient book talks in detail the education part; the system and methods to be followed.
It however, had some defects. Education was restricted to those who deserve and was not available to all. Second it was Guru (teacher) centric i.e. for every thing one had to depend on the guru and his knowledge was considered perfect. Buddhism democratized the education by allowing all to study. This helped to spread education and institutionalise education by forming Universities. Buddhism did not deviate from Hindu system of imparting education but made it broad-based. Here again educators and students had to be religious people and had to follow a strict rules. Even here it was not fully devoid of old Guru System. Even Buddha said “Buddham saranam gachchami” (Come to Buddha to get enlightenment). Mind you, in ancient times the great saints did research on their own and developed body of knowledge which was in contrast to what Buddha said. However, he challenged the system of concentration of knowledge in few hand. This might have diluted the quality of knowledge but this improved the understanding of the people in general in India.
This also developed a bond among people of India which is keeping this country together. This is the secret of unity in diversity of India. A diverse country became one population having same principle of life that is achieving mokshya (eternal bliss).
Indians always paid great importance to education which would improve the ethical standard of the population. Resilience of ancient Indian education system was proved again and again. Since the early stages of foreign invasion India lost all its material wealth but not the Indian ethos and superiority of our (Arian) culture and believes. This was possible because of the foundation of Indian education system. Others talk about Ethics but Indians practice through education.
Aims of the Indian System as I think were:
1. The direct aim was to make all students fit to become useful members of the society so that they could follow the duties of all other Ashrams of life faithfully.
2. The aim was to make firm and good character through moral values.
3. The Indian education system made a distinction between mere scholarship and total education.
4. The aim of the system was development of total personality.
5. Next was inculcation of civic and social duties. India in ancient time was a society mainly governed by social laws which gave us our strength. It is the only society where the social system of conducting business was so strong and independent that we survived in spite of foreign invasion and rule.
6. Indian education promoted social efficiency and happiness. We all know in our ancient books there are examples of people helping the society.
7. Ancient education system taught preservation of national heritage and culture hence we still have a culture different from all other societies. This still remains our strength and some day we will be able to re-establish our national pride. This has given us the unbroken continuity since the ancient times. It is the strength of our ancient education that we survive as a nation.
Then the question is where did we go wrong? Our education system got encased in a shell for it had to be protected from foreign influence. This violent massacre of our culture by foreign invaders made us extremely introvert. The openness of our society was lost and formal education became the domain of few. This destroyed the ability of our academia to expand knowledge. The burning of our established centers of education made people scared. The mass lost the desire to learn because they did not value home-grown knowledge. People drifted from formal learning process and this gave way to all sorts of raw practices in our society. Indian society lost the basic ability to acquire and take advantage of knowledge. The body of knowledge became foreign which was a rare commodity only the rich could afford. The British rule took advantage of this void and introduced a system to suit needs of the Empire. The system did not encourage beyond copying. This practice is still prevalent in Indian education system. It discourages boys from having their own independent opinion on a subject.
Dr. Aloke Chakravartty is at present Dean of TIG Business Schools in India. He has over 28years of experience of the industry and over 6 years of international consulting experience. He has set up many projects small medium and large. He was promoted to write this article after seeing how private education in developing countries are growing