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.

One of the main differences between traditional and online classes is the social spectrum.  In traditional classes it is much easier to form a support group.  You either have family, friends, or classmates that can help and encourage you. 

If you miss a class they can give you notes and you can ask for help with concepts you do not understand.  You can form study groups in order to prepare for assignments, projects, and tests. 

Students are more accountable because they have to attend class and pay attention otherwise they might get called on to answer some questions about the lecture.  School may be more structured but it is easier for most students to succeed.

Now on the other hand, there are students that absolutely thrive with online education.  They have a much more flexible schedule which allows them to earn an education while maintaining their hectic lives.

They don’t have to sacrifice their life for an education.  Although, there are some helpful hints that can make online education easier for students to be successful at.  these students stress the importance of being self-disciplined and making sure they stay committed and on top of their studies.

Successful students also said that one of the other key elements to earning an online degree was forming a support group.  These support groups consisted of family, friends, and even online classmates. The same that you would see at a traditional college.

Members of this support group could be a simple role, like asking you how your classes are going.  Or just listening to you tell them what your lectures were about and what assignments you have been working on. 

The more members you have in your support group the more accountability you have.  Plus, the more people asking you about school, helping you out with other responsibilities that may take your time away from school, and the more ideas and input you get about school will increase your chances of succeeding and completing a degree. 

Online education helps students earn degrees that otherwise might not be able too.  Students with a strong support group can learn just as much as students in traditional classrooms and have a positive experience.