The Abc's of College Financial Aid - 2018 Edition

The Abc's of College Financial Aid - 2018 Edition PDF Author: Ruben Garcia
Publisher: Independently Published
ISBN: 9781795642309
Category :
Languages : en
Pages : 57

Book Description
I have made it my mission in life to assist parents and their children to navigate the challenging and complex processes of student finance for over 25 years. My passion stems from my personal experience of having been a first generation high school graduate going to college back in the early 80's who had no idea how financial aid process worked. After high school, I completed the paper Free Application for Federal Student Aid because I was told to do it by my counselor. I went to the college financial aid office. I was instructed that I would get a loan for $2625.00 and my parents needed to borrow a PLUS loan. The total cost per term was approximately $3500.00 for a total of $7,000.00 for the year. As a result, I did not go to college right away because I did believed that I could afford it. I was too proud to ask if there were other options. I did not know what questions to ask. I just did not understand the process. I gave up and walked away. After 9 years of going to college and working, I finally decided to go back to school full-time. I got a job at the financial aid office as a work-study and learned how the process worked, I looked up my old file to see the total tuition cost with books to go to the university per term. The cost was varied from $300 to $1000 per term for books and tuition. What I failed to tell the clerk or the clerk failed to ask me was where I was going to live. The clerk assumed I would be living in student housing and quoted me the cost of living on campus. I lived approximately 25 miles from the university and was planning to commute to college. Fortunately, my ignorance and embarrassment as a young high school kid and the clerk's misinformation set me down a different path. A path that was meant for me to be able to achieve amazing opportunities and impact the lives of many students and their parents. In this book where I commit to pay it forward, I provide answers to questions on financial aid processes and funds, guidance on career exploration and where to go to get information to help you not make the same mistakes others have in your journey to getting college financing. This book was designed to give you and your parents a base foundation to feel confident when you are starting to approach your high school counselors and financial aid personnel at colleges and universities.

Education without Debt

Education without Debt PDF Author: Scott MacDonald
Publisher: Indiana University Press
ISBN: 0253051479
Category : Education
Languages : en
Pages : 262

Book Description
Almost 50 million Americans have cumulatively borrowed more than $1.5 trillion to attend college. Roughly one-third of all adults aged 25 to 34 have a student loan. In Education without Debt businessman and philanthropist Scott MacDonald examines the real-life impact of crushing levels of student debt on borrowers and what can be done to fix this crisis. Weaving together stories of debt-impaired lives with stories of personal success achieved with the essential help of financial aid, MacDonald reveals the devastating personal and societal impact of the debt problem and offers possible solutions. He explores the efforts of colleges and private philanthropists to make education affordable and relates his own experience of funding financial aid for need-eligible students at five universities. Education without Debt is a must-read book for anyone concerned about the rising cost of education and what to do about this critical policy and societal issue.

Handbook of Research on School Choice

Handbook of Research on School Choice PDF Author: Mark Berends
Publisher: Routledge
ISBN: 1351210424
Category : Education
Languages : en
Pages : 414

Book Description
Updated to reflect the latest developments and increasing scope of school-based options, the second edition of the Handbook of Research on School Choice makes readily available the most rigorous and policy-relevant research on K–12 school choice. This comprehensive research handbook begins with scholarly overviews that explore historical, political, economic, legal, methodological, and international perspectives on school choice. In the following sections, experts examine the research and current state of common forms of school choice: charter schools, school vouchers, and magnet schools. The concluding section brings together perspectives on other key topics such as accountability, tax credit scholarships, parent decision-making, and marginalized students. With empirical perspectives on all aspects of this evolving sphere of education, this is a critical resource for researchers, faculty, and students interested in education policy, the politics of education, and educational leadership.

The Technological Revolution in Financial Services

The Technological Revolution in Financial Services PDF Author: Michael R. King
Publisher: University of Toronto Press
ISBN: 1487506023
Category :
Languages : en
Pages : 448

Book Description
Industry specialists and thought leaders explain how financial services will evolve in the coming decade in response to heightened regulation, technological disruption, and changing demographics.

Indentured Students

Indentured Students PDF Author: Elizabeth Tandy Shermer
Publisher: Harvard University Press
ISBN: 0674251482
Category : Education
Languages : en
Pages : 400

Book Description
The untold history of how AmericaÕs student-loan program turned the pursuit of higher education into a pathway to poverty. It didnÕt always take thirty years to pay off the cost of a bachelorÕs degree. Elizabeth Tandy Shermer untangles the history that brought us here and discovers that the story of skyrocketing college debt is not merely one of good intentions gone wrong. In fact, the federal student loan program was never supposed to make college affordable. The earliest federal proposals for college affordability sought to replace tuition with taxpayer funding of institutions. But Southern whites feared that lower costs would undermine segregation, Catholic colleges objected to state support of secular institutions, professors worried that federal dollars would come with regulations hindering academic freedom, and elite-university presidents recoiled at the idea of mass higher education. Cold War congressional fights eventually made access more important than affordability. Rather than freeing colleges from their dependence on tuition, the government created a loan instrument that made college accessible in the short term but even costlier in the long term by charging an interest penalty only to needy students. In the mid-1960s, as bankers wavered over the prospect of uncollected debt, Congress backstopped the loans, provoking runaway inflation in college tuition and resulting in immense lender profits. Today 45 million Americans owe more than $1.5 trillion in college debt, with the burdens falling disproportionately on borrowers of color, particularly women. Reformers, meanwhile, have been frustrated by colleges and lenders too rich and powerful to contain. Indentured Students makes clear that these are not unforeseen consequences. The federal student loan system is working as designed.

Preparing Students for Community-Engaged Scholarship in Higher Education

Preparing Students for Community-Engaged Scholarship in Higher Education PDF Author: Zimmerman, Aaron Samuel
Publisher: IGI Global
ISBN: 1799822109
Category : Education
Languages : en
Pages : 465

Book Description
Community-engaged scholarship is an equitable and democratic approach to scholarship that seeks to identify and solve community-based problems. Community-engaged scholars aim to serve the public good by developing and sustaining community-campus partnerships built on trust, reciprocity, and mutual benefit. As universities orient themselves towards serving the public good, they face a number of challenges: faculty and students may not possess the competencies or commitment to build fruitful community partnerships, graduate and undergraduate students may lack the necessary training and mentorship required to develop their identity as community-engaged scholars, and institutional leaders may not know how to motivate faculty and students for this ambitious and challenging endeavor. Unless these challenges are addressed, universities will fail to prepare the next generation of community-engaged scholars. Preparing Students for Community-Engaged Scholarship in Higher Education is an essential research book that explores how faculty and academic leaders can create learning opportunities and intellectual cultures that support the development of community-engaged scholars. Additionally, it will examine how university coursework can help undergraduate and graduate students to develop the knowledge, skills, and commitments necessary for productive and responsible community-engaged scholarship. Featuring a range of topics such as mentorship, higher education, and service learning, this book is ideal for higher education faculty, university leaders, deans, chairs, educators, administrators, policymakers, curriculum designers, academicians, researchers, and students.

The College Affordability Crisis

The College Affordability Crisis PDF Author: Laurie Collier Hillstrom
Publisher: ABC-CLIO
ISBN: 1440877246
Category : Education
Languages : en
Pages : 151

Book Description
This volume provides a comprehensive and evenhanded overview of the escalating college affordability crisis in the United States. It explains how higher education became so expensive and explores the implications of high college loan debt for students and American society. The 21st Century Turning Point series is a one-stop resource for understanding the people and events changing America today. Each volume provides readers with a clear, authoritative, and unbiased understanding of a single issue or event that is driving national debate about our country's leaders, institutions, values, and priorities. This particular volume is devoted to the issue of the rising cost of higher education in the United States. The expense of pursuing a college degree has become so high for so many students, in fact, that the country is experiencing what many educators, economists, parents, and students describe as a college affordability crisis. This work provides an accessible, accurate account of the factors driving this trend, including dramatic reductions in higher education spending by states; for-profit colleges; predatory, unscrupulous, and lightly regulated student loan service companies; and spiraling spending by colleges and universities competing to attract students. Entries devoted to specific events and milestones related to the student loan crisis Biographical profiles of important lawmakers, public officials, and reformers Essays that explore the lasting impact of the college affordability crisis on students, families, institutions of higher education, and American society as a whole Annotated bibliography of sources for further study

Artificial Intelligence and Islamic Finance

Artificial Intelligence and Islamic Finance PDF Author: Adel M. Sarea
Publisher: Routledge
ISBN: 100052812X
Category : Business & Economics
Languages : en
Pages : 262

Book Description
This book provides a systematic overview of the current trends in research relating to the use of artificial intelligence in Islamic financial institutions (IFIs), across all organization of Islamic cooperation (OIC) countries. Artificial Intelligence and Islamic Finance discusses current and potential applications of artificial intelligence (AI) for risk management in Islamic finance. It covers various techniques of risk management, encompassing asset and liability management risk, credit, market, operational, liquidity risk, as well as regulatory and Shariah risk compliance within the financial industry. The authors highlight AI’s ability to combat financial crime such as monitoring trader recklessness, anti-fraud and anti-money laundering, and assert that the capacity of machine learning (ML) to examine large amounts of data allows for greater granular and profound analyses across a variety of Islamic financial products and services. The book concludes with practical limitations around data management policies, transparency, and lack of necessary skill sets within financial institutions. By adopting new methodological approaches steeped in an Islamic economic framework (e.g., analysing FinTech in the context of Shariah principles and Islamic values), it devises practical solutions and generates insightful knowledge, helping readers to understand and explore the role of technological enablers in the Islamic finance industry, such as RegTech and artificial intelligence, in providing better and Shariah-compliant services to customers through digital platforms. The book will attract a wide readership spanning Shariah scholars, academicians, and researchers as well as Islamic financial practitioners and policymakers.

Making Sense of School Finance

Making Sense of School Finance PDF Author: Clinton Born
Publisher: Rowman & Littlefield Publishers
ISBN: 1475856679
Category : Education
Languages : en
Pages : 178

Book Description
Making Sense of School Finance: A Practical State-by-State Approach thoroughly and clearly describes complex school finance concepts regarding local, state, and federal revenue along with authentic accounting processes in a straightforward manner for public, nonpublic, and charter school leaders. This logically organized resource delivers content on a specific state basis in succinct, easy-to-follow chapters that uniquely applies to each reader’s actual situation and location. Figures for each state funding model with real allocations, by example, illustrate respective funding model formulas, and the numerous tables in the text differentiate substance by jurisdiction (states and the District of Columbia). Practical subject matter to increase and acquire additional funding in this book that includes private and public grant application writing is vital reading for aspiring and practicing school officials. Above all, this text expands the reader’s comprehension of school finance topics beyond knowledge acquisition into knowhow applications through genuine, end-of-chapter projects and scenarios for discussion with colleagues. Applying the principles from this book remains an absolute necessity to position your school and district for a strong financial future.

American Universities and Colleges, 19th Edition [2 Volumes]

American Universities and Colleges, 19th Edition [2 Volumes] PDF Author: Praeger
Publisher: ABC-CLIO
ISBN: 031336608X
Category : Education
Languages : en
Pages : 1644

Book Description
For well over a half century, American Universities and Colleges has been the most comprehensive and highly respected directory of four-year institutions of higher education in the United States. A two-volume set that Choice magazine hailed as a most important resource in its November 2006 issue, this revised edition features the most up-to-date statistical data available to guide students in making a smart yet practical decision in choosing the university or college of their dreams. In addition, the set serves as an indispensable reference source for parents, college advisors, educators, and public, academic, and high school librarians. These two volumes provide extensive information on 1,900 institutions of higher education, including all accredited colleges and universities that offer at least the baccalaureate degree. This essential resource offers pertinent, statistical data on such topics as tuition, room and board; admission requirements; financial aid; enrollments; student life; library holdings; accelerated and study abroad programs; departments and teaching staff; buildings and grounds; and degrees conferred. Volume two of the set provides four indexes, including an institutional Index, a subject accreditation index, a levels of degrees offered index, and a tabular index of summary data by state. These helpful indexes allow readers to find information easily and to make comparisons among institutions effectively. Also contained within the text are charts and tables that provide easy access to comparative data on relevant topics.