Danny Schechter about students that have thousands of dollars in debt when they graduate.

debt is a real pisser, degree or not

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As the cost of a college education continues to increase at a rate of about 9% annuallynearly three times the rate of inflationmore and more college students are taking out loans to cover tuition, fees, and other expenses. Median undergraduate student loan debt is currently close to $20,000, and graduate students end up with an additional $32,000 in debt upon graduation. Pile on thousands more in credit card debt, and many college students today graduate with massive financial burdens that they are not prepared to handle.In Zero Debt for College Grads, noted personal finance expert Lynnette Khalfani provides a thorough roadmap for stress-free living that will allow recent graduates to focus on their bur… More >>

Zero Debt for College Grads: From Student Loans to Financial Freedom

An overshadowed aspect of congressional health care bills involves new provisions for student loans. As Ben Tracy reports, sweeping changes are in store throughout the US for college lending.

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Turae reflects on his college career and the repercussions of not repaying student loans.

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Student loan consolidation is a great way to get a lower interest rate, as a reputable consolidation company will buy each loan off of the original lenders, lump it into one loan and offer lower interest and even deferment plans. Consolidate student loans to get them paid off more quickly with financial advice from a guidance counselor in this free video on student loans. Expert: Cheri Ashwood Contact: www.wearehdtv.com Bio: Cheri Ashwood has a bachelor’s degree in psychology and education, and has been a guidance counselor for nearly a decade. Filmmaker: Christopher Rokosz

Your college success may be dependent on how well you take notes. If you were not used to attending lectures in high school, you may find the transition to the courses offered by colleges difficult. It may even be difficult to pay attention as a university professor delivers a lecture, but note-taking can help keep you focused. All that you need are a few basic tools and a little advice. That’s what you will learn about in this article.

Universities vary in the assistance that they offer to their students. Some college professors videotape their lectures and then post them online, making it easier for students to “tune in” at a later time. If the university you are attending does not offer this kind of service, consider purchasing an inexpensive tape recorder. Many students find that listening again, while reading their notes, is an effective way to study.

You will, of course, need notebooks or legal pads and writing utensils. Highlighter pens are beneficial. Colleges often include handouts as a part of the course curriculum. Buy a hole-punch, so that you can store these handouts in a three ring binder. When you do use highlighters or colored pens, use them sparingly. Too much color becomes ineffective. The purpose is to attract your attention. You can also highlight key points in your own notes.

Before class, record the date and the class name. If you know what the material will be about, title the page accordingly. This will help you find what you are looking for when exam time comes around. When you are taking notes from a college text book or something in the university library, write down the name of the book. You may find that you need to return to it later, for reference. Don’t write in complete sentences, come up with phrases that will help you remember the critical points and write clearly enough so that you can read your notes later.

Some colleges and universities have developed their own “systems” for note taking. The Cornell method is one example. This system suggests that you leave blank spaces between your phrases or other pertinent information. As soon as possible after the class, you go back through the notes and “fill in” the blanks. In the margins of the page, you might list new vocabulary words or questions that you think could be on a test. If done correctly, your notes become a good study guide.

Sometimes university students forget to ask questions. Some professors don’t allow questions until after the lecture is complete. This is another place where note-taking comes in handy. Record any question that you have during the lecture and ask for clarification at the end of class. Your success in college could depend on that single question. Don’t be afraid to ask.

College admission is, in its simplest form, a numbers game. In fact, while some would call it a kind of lottery, lotteries offer almost no chance of success to those who participate in them, while quite the opposite is true of college admission. There are nearly 3,500 colleges and universities in the United States (counting two and four year institutions) so students have no shortage of options. So, students who do a little research and a bit of thinking about what kind of educational environment best suits them should not have a problem landing at a college or university in which he or she is likely to be happy and academically successful. Believe it or not, students who start their college search early, make good use of the college and financial aid information available in college guides and websites, and ultimately apply to at least four or five carefully chosen colleges can sail through the process with little or no anxiety or hassle. Despite the media’s preoccupation with how tough it is to get admitted to the Harvard’s, Yale’s, and Princeton’s of the world, a very small number of colleges deny admission to nearly as many students as they admit. Thus, if you do not have the grades, SAT scores and desire to attend a very highly selective college and you have applied to a realistic set of colleges your chances at each are high. On the other hand, if your grades and test scores put you in the top five percent and you are applying to the highly selective few, just be sure to also apply to a few of the hundreds of great schools that are not quite as selective.

Generally speaking, the stronger the reputation of a college, the more selective it can afford to be. But, luckily for students, many excellent colleges and universities do not receive enough applications from top tier students to be highly selective.

Remembering these statistics, you are ready to begin the process of selecting and gaining admission to a college. Look for and find six to eight colleges which offer the major(s) of greatest interest to you, are likely to admit students with your grades and scores, and provide the campus lifestyle and environment you seek. Start by meeting with your college counselor to:

1. ask for his/her college recommendations.

2. discuss the courses you plan to take in future years.

4. register to take both the ACT and SAT exams.

4. find out which college admissions counselors will be visiting your high school.

5. register for the college night programs in your region.

Don’t forget that the web is a great source of information. Do a few searches for terms like “colleges”, “college scholarships”, “financial aid” and “college admissions” to identify some good online resources.

Once you’ve completed the above steps, you are well on your way. It doesn’t have to difficult.

No doubt you are a student in academia at the moment, or you may even be a parent researching exactly what you son/daughter will be doing for their thesis. An academic thesis is a study that represents individual (or sometimes group) research, which is then concluded and grounded around written evidence, by the individual student; it is submitted in partial fulfillment of a degree at a recognised university.

There are many different subjects that the student can choose to conduct their research, but will include both secondary and primary research, with the latter encompassing investigation and experimentation with a research sample. The research thesis paper will be measured for originality and it findings, as well as other aspects that have been identified by the school it is submitted to.

The research is considered the main part of the thesis and will start a long time before the student begins to think about a hypothesis. A plan is an important step to ensure that everything will be covered in the research process, and the student should plan the different aspects of their research project to meet the submission deadline.

This research stage of the course, which is when the thesis project is undertaken, is generally towards the end of the course, and on many postgraduate degree courses is the final element. For undergraduates, it will cover the final year of their course and will count heavily to their final degree grade.

Masters’ degrees do require all student to submit a thesis that will contribute between 3% and 18% to the final grading. It will generally take place over the summer term and last some 4 to 5 months. If the student chooses not to complete the thesis then they will not be able to receive a master’s degree.

Therefore, the thesis is an important part of any degree course and should be considered highly valuable to your final degree grade. There are strict guidelines to submission, other than the deadline, and these should be followed, as they are often more stringent than that of an essay.

Production of a thesis may require the student to put up a plausible defense in-front of the awarding panel, at their institution. Generally, only a few people will be chosen, and in some cases none, when they are submitting a thesis on an undergraduate degree or masters degree course. It is usually at this point where a defense is only seen for doctoral theses.

However, the student should be aware that they may be called upon to defend their writing and research, as well as opinions, view and conclusions of their paper. Keeping in mind here, that it is often best to provide tangible examples when referring to what you have written in your actual paper.

Years ago, many highly selective colleges and universities required that all applicants complete an interview with a staff member and/or an alumnus.

Now, far fewer educational institutions insist on an interview, although a significant number do. And, although other institutions do not use the word “interview”, they often rate applicants after conversing with them. At some institutions, even students participate in applicant evaluations.

You would be well advised to assume that anything you say to an institutional representative may influence your admission decision. Here are ten ways to help yourself.

1. Never indicate that a college or graduate school is not your first choice: if you do, you may put your chance of admission at risk.

2. Do not express doubt about continuing your education. Graduate school applicants should not express doubt about wanting to pursue the degree program in question. For grad school applicants, expressing doubt can be the kiss of death.

3. Dress appropriately for all meetings with institutional representatives.

4. Read the printed literature and websites of the institutions to which you are sending applications. Do not brand yourself as lazy by asking a question which can be answered after five minutes on the college/university website.

5. Never make a comment to a student tour guide or anyone else that you would not want the Dean of Admission to hear. If you do, he or she will.

6. Send thank you notes to anyone who spends significant time with you. The less generic they sound, the better.

7. If a family member accompanies you on a campus visit, which can be a good idea, be sure he/she knows not to be a “helicopter” parent or spouse.

8. Have a few well-conceived questions prepared to underline your interest. The critical phrase here is “well-conceived”.

9. Do not make statements that assume your admission, regardless of your qualifications. Humility is a virtue…if you don’t have it, fake it until you do.

10. Meet with representatives of your top choices only after you have had practice with a few of your back up choices. It’s a good strategy.

Essentially, successful interviewing is a combination of good manners, well developed listening skills, reasonable analytical ability, and practice. You can do it.