There is nothing quite so good for appreciating your surroundings as changing things up a bit.  Rearranging your living space or switching out a picture can help you see your place with new eyes and love your home even more. It doesn’t have to be expensive. In fact, if you are creative it can even be free. I love the home décor show where they don’t spend a nickel, just borrow from one room to add punch to another living space. That way it does not cost anything but time, yet you get a fresh look and a new perspective.

 What could you do to liven up your place? Do you have one particular room that could really benefit from a bit of effort invested? Could you begin by rearranging a grouping of pictures or knickknacks in this spot? Would shifting the furniture to new places make it a more welcoming part of your home? Find one or two things to do to switch it up a bit and you might just be amazed how it helps you notice possessions and comforts that long ago just faded into the background.

Studies show that most people avoid going back for a college degree because of money worries. Fortunately, Stafford Loans, recently beefed up by President Obama’s stimulus bill, allow students to cover all their school and living expenses with minimal interest.  

With a combination of Stafford Loans and Pell Grants, degree-seekers are finding it easier to cover their living expenses and return to school. Currently, the Stafford Loan program offers two different options for students to choose from: subsidized and unsubsidized. These loans offer the following 3 benefits:

• They are low-interest. Currently at 6 percent, Stafford Loans feature the lowest interest rates around because they are insured by the government. Unlike home and auto loans or credit cards, you will pay only the smallest amount possible with no future inflation of the interest rate.
• You don’t have to pay while in school. Both subsidized and unsubsidized loans do not have to be repaid while you are in school. On subsidized loans, the government pays your interest for you while in school.
• You get as much as you need. Stafford Loans are designed to cover all of your expenses after whatever you get for Pell Grants, including cost of housing, food, utilities, and more. This means, even if you leave your job, you will still have enough to pay for your needs and the needs of any dependents you may have while you are in school. Some students qualify for as much as $138,500.

To receive low-interest Stafford Loans, you need to enroll in and register at an accredited university. Once admitted, you can fill out a Federal Application for Federal Student Aid (FAFSA) to find out how much Stafford Loan money you will receive.

Are you ready to return to school and get low-interest Stafford Loans? Visit our form to find an accredited school and get enrolled. A financial aid counselor will help you fill out a FAFSA and get money you need to go back to school.

If you have been putting off going to college because of financial concerns, now may be the perfect time to get your degree. The government is making it easier to go back to school by putting more money into Pell Grants. As part of President Obama’s $600-billion stimulus package, this free money is more available to students than ever before.

Pell Grants are perfect for people trying to go back to school and watch their budgets. In particular, these grants offer the following benefits:

• You never have to pay them back. That’s right. You never have to worrying about accumulating debt with Pell Grants. Once the government sends you your Pell Grant check, you never have to pay them back or pay any interest. After tuition and fees, you can use that cash however you see fit.
• They typically cover tuition and more. For full-time students, Pell Grants are typically large enough to pay for tuition, fees, books, and much of your living expenses. This makes it easy for people on a budget to go back to school without dipping into savings. Students can qualify for up to $5,500 in Pell Grants.
• They are based on a students’ need. Pell Grants take into account a student’s living expenses, how many credit hours they will take, and how many dependents they are supporting. That means the amount you receive will rise according to your obligations. And any amount not covered by Pell Grant can be made up with low-interest Stafford Loans.

To receive free Pell Grant money, you need to enroll in and register at an accredited university. Once admitted, you can fill out a Federal Application for Federal Student Aid (FAFSA) to find out how much Pell Grant money you will receive.
 

Are you ready to return to school and get free Pell Grant money? Visit our form to find an accredited school and get enrolled. A financial aid counselor will help you start getting your free money to go back to school.