How to Apply for Federal Student Aid Using the FASFA

How to Apply for Federal Student Aid Using the FASFA You want to go to college so you can make a lot of money but you dont have a lot of money, so you cant go to college. Congratulations! You have just met the main requirements for getting federal student aid. The U.S. Department of Education provides more than $67 billion in loans, grants and campus-based aid every year to assist millions of students and their families pay for postsecondary education. This feature presents an overview of the types of federal student financial aid available, eligibility requirements and the application process. Handy links directly to detailed information from the Department of Education are provided throughout. Federal Student Loan Programs The governments Stafford Loan program offers both subsidized and unsubsidized student loans.   Subsidized loans require proof of financial need. All interest on subsidized loans is paid by the government while the student is actually enrolled at least half-time and during certain periods, such as  deferment and forbearance. Unsubsidized loans are available regardless of financial need. The student must pay all interest on unsubsidized loans. The Direct PLUS program offers unsubsidized loans to parents of dependent students. The parents must pay all interest on Direct PLUS loans. Amounts that can be borrowed, repayment options and interest rates vary greatly and can be modified during the term of the loan. For details on federal student loan programs, see: Federal Direct Student Loans - Information For Students (Note: Some teachers and childcare providers may be able to cancel payment of portions of their federal student loans. See: Loan Cancellation for Teachers and Cancellation for Childcare Providers.) Federal Pell Grants Unlike loans, federal Pell Grants do not have to be paid back. Eligibility is based on financial need. Maximum amounts available vary yearly as determined by Congress. Besides financial need, the amount of a Pell grant also depends on costs to attend school, the students status as a full- or part-time student, and the students plans to attend school for a full academic year or less. Pell grant funds are paid directly to the student by the school at least once each semester, trimester, or quarter. Campus-Based Aid Programs Campus-based programs like the Federal Supplemental Educational Opportunity Grant (FSEOG), Federal Work-Study (FWS), and Federal Perkins Loan programs are administered directly by the financial aid office at each participating school. Federal funds for these programs are given to the schools and distributed to students at the schools discretion. Amounts students can receive depends on individual financial need, amounts of other aid the student receives and the total availability of funds at the school. Basic Eligibility Requirements for Student Aid Eligibility for federal student aid is determined on the basis of financial need and on several other factors. The financial aid administrator at the college or career school you plan to attend will determine your eligibility. Basically, to receive aid from federal programs, you must: qualify for financial need (except for certain loans); have a high school diploma or a General Education Development (GED) certificate, or pass a test approved by the U.S. Department of Education; be working toward a degree or certificate; be enrolled in an eligible program; be a U.S. citizen or eligible non-citizen; have a valid Social Security Number; register with the Selective Service if required; and maintain satisfactory academic progress once in school. Under federal law, persons who have been convicted under federal or state law of the sale or possession of drugs are not eligible for federal student aid. If you have a conviction or convictions for these offenses, call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243) to find out if, or how, this law applies to you. Even if you are ineligible for federal aid, the Education Department urges you to complete a Free Application for Federal Student Aid, because you may be eligible for nonfederal aid from states and private institutions. How to Apply for Student Aid - The FASFA The Free Application for Federal Student Aid (FAFSA) can be used to apply for all loans, grants, and campus-based student aid programs. The FASFA can be completed online or on paper. The FAFSA Web site takes you through every step of the process and provides all the information you need to apply for federal student aid. Applicants can access worksheets to estimate their incomes, electronically sign loan documents, save an application at any computer and print a complete report. How easy is the FAFSA online application process? In 2000, over 4 million student loan applications were processed online, a number the Department of Education expects to top 6 million during 2002. Between Jan. 1 and March 1, 2002, over 500,000 applications had already been processed online. Questions? If you have any questions, or require additional information on student financial assistance, you may contact your high school guidance counselor, the financial aid officer at the postsecondary school you plan to attend, or the Federal Student Aid Information Center, open seven days a week, from 8 a.m. to midnight (Eastern Time). You can also find free information about federal, state, institutional, and private student aid in your high school counselors office or local librarys reference section (usually listed under student aid or financial aid.)

How to Make Any Small Space Productive for Studying

How to Make Any Small Space Productive for Studying Do you have a special homework space? Do you sit at a desk to do your math problems, or do you balance your book on your knee as you prop yourself up in bed? Many students live in apartments or small houses that make it tough to carve a special place just for homework. For those students who have to lie on the floor or on a bed to read and write papers, homework can be a real challenge. However, the following strategies can help make your workspace more productive- wherever it might be. Turn your kitchen table into a desk. Put your studying supplies into a bag or basket and head to the kitchen table. The kitchen table is often ideal because it offers enough room to spread out. Small supply organizers, like a writing utensil stand or an accordion folder, will enable you to get the most out of the space. Wear noise-blocking headphones. If youre working on your homework in a busy environment, youre sure to face some potential distractions. Noise blocking headphones wont make the space any larger, but they will help you zone out and concentrate exclusively on the material in front of you. Snag a beanbag. If youre used to studying on the floor, consider getting a beanbag chair. Beanbags are incredibly multi-functional: they can serve as a chair, a recliner, or a table. If you get tired of reading in one position, just roll over and adjust your beanbag into a new position. Utilize a glass-topped table. If you have a glass topped coffee table in your home, you may be able to double-up the size of your workspace. Spread the books and papers youre currently using on top of the table, then spread the rest underneath the table. This way, youll know where all of your materials are at all times –Â  no more digging through giant stacks of books. Use pillows for posture. If you read on the floor, don’t place your book on the floor and bend down to read. This position will cause strain on your back and neck muscles. Instead, pile some pillows on the floor and get into a comfortable lying position. Youll be able to read for much longer, and youll be far more comfortable while doing so. Try working outdoors. Students rarely think of the outdoors when assessing potential study spaces, but its often a great option. If you have a patio, balcony, or other shared outdoor space, consider turning it into a study area. Outdoor tables make great desks, and nature is often far less distracting than indoor spaces. Keep it organized. No matter where you end up working, be sure to keep it organized. After each study session, spend 3-5 minutes cleaning up the area: pick up stacks of papers, put books back on the bookshelf, and pack up your backpack for the next day. Next time you return to your study space, it will be neat, clean, and welcoming.

IT-LMS Essay Example | Topics and Well Written Essays - 4250 words

IT-LMS - Essay Example The researcher discussed the possible frameworks for introducing LMS for the first time at an institution or for migrating from one LMS system to another. This research paper also highlighted the way this technology can negatively affect pedagogy at institutions as instructors are forced to teach in certain ways. The researcher discussed this challenge in depth within the context of modern distance education programs that incorporate blended learning. Today’s education system still largely resembles the industrial age despite of the society’s shift to the so-called Information Age. In the industrial age, education placed the onus for learning on teachers and kept students passive. All students were treated as being the same with all expected to grasp and do the same tasks in the same amount of time (W. Watson & S. Watson, 2007). In today’s world, education stakeholders are demanding a more learner-centered education system to support the customized pace of instruction. It is difficult to see how it will be possible to achieve these new customized learning processes for individual learners without technology playing a central role. For this reason, over the past decade, there has been increased use of computers in education (W. Watson & S. Watson, 2007). This increased use of computers in education has resulted in literature that has an array of non-standardized terms and acronyms. The three more popular technologies often cited in the literature are Course Management Systems (CMS), Learning Management Systems (LMS), and Learning Content Management Systems (LCMS) (Coates, James, & Baldwin, 2005; W. Watson & S. Watson, 2007). LMS and these related technologies have the potential to meet these needs of today’s learners. This research will be focused on the integrated computer systems known as Learning Management Systems (LMS). It is therefore important to understand LMS, its merits and demerits, the way to implement it in institutions of

Reverend jeffrey brown cops kids and ministers Essay

Reverend jeffrey brown cops kids and ministers - Essay Example Young people were dying in large numbers, and several very extreme instances had occurred recently which shocked and stunned the local community. Everyone realized that something had to change because the situation was untenable for residents, police and religious communities. Another factor in the context in Boston that was relevant was the fact that much of the violence was located in gangs, who dominated pockets of territory and had little understanding of each other. The big breakthrough that Brown and his team brought to the situation was to tackle all of areas separately, with each minister taking responsibility for one area and yet to achieve unity of purposes through the fact that all ministers were working together on an agreed, ten point plan. The leadership emergence of Brown, Rivers and Hammond can be seen as three different approaches that have potential for success in their own right, but become truly effective when they are put together and allowed to support each other. Jeffrey Brown’s main contribution was to shift the focus for interventions from police policies to the young people on the streets themselves. By walking the streets he was able to build trust in his own area, and he had the initiative to go and seek out other local ministers who were prepared to take the same view, and get out of their comfortable homes to meet with people on the streets. He provided facilities, and the kids came in large

Elementary School and Middle School Essay Example for Free

Elementary School and Middle School Essay Transitioning from elementary school to middle school is something we all have or had to do! Most kids cringe at the thought of making this huge step in life. For many students this transition can be a time of mixed emotions. Having been through this experience, I will compare and contrast the two, hoping that this will give you a clear picture of elementary and middle school. Elementary and middle school have distinguishable characteristics. In elementary schools, you basically have your homeroom teacher and one other teacher. The movement of students is very limited and you are mostly escorted by a teacher. Teachers are more understanding and are not as demanding because of the student’s age. Fun days are set aside as an award for students that have done what is expected of them. Most of the children are placed in classroom with the same students each year. Elementary school is very important in our young student’s lives; this is where it all starts. However, middle school students are expected to execute their daily tasks without assistance. Teachers are there to direct the students in right direction; everything else is left up to the student. Middle school students have several different classes, in each class it is usually a different teacher. Students have lockers to store their books and other supplies. In middle school students are required to be more independent and serious about school. Elementary school set the pace for all other levels of schooling. Students enter elementary school learning all the basic aspects of school system and the learning process. At this stage in life most students are eager to learn and get excited to learn new things. Elementary is the main point of delivery, it introduces social skills, behavioral adjustments, and basic academic learning. Middle school prepares students for higher education. Ultimately, middle school bridges the gap between elementary and high school. It is definitely a different experience than elementary, but it prepares students for their future and encourages them to be more independent. Elementary schools and middle schools also have common qualities. They are both open Monday through Friday on the same days. Each day students eat lunch at a designated time. All students are expected to sit in desks in an appropriate manner. Teachers require students to be respectful and display good behavior at all times. Homework is given on a daily basis and class discussions are routine also. School is essentially school with minor differences. Each school level has its own pro’s and con’s, they are also very similar. They each have their own benefiting factors and they are used to their advantage. School systems up this way because it is initially what works in our culture. Elementary and middle schools are stepping stones that that help us get from one place to another in our academic life. Each level is an important standpoint for academic excellence and they should be taken seriously so that you can be an effective student/learner.

Essay --

After the financial crisis of 2008 there has been a dramatic decrease of foreign direct investment (FDI) around the world. Particularly the rapid decline in inflows has affected the recovery speed of FDI around the world. Inflows into Europe contracted by 42% and to North America by 21%, inflows to Australia and New Zealand together declined by 14% 1. However there are few exceptions to the trend, such as the United Kingdom who have managed to keep its FDI attraction. UNCTAD has confirmed that FDI inflows into the UK have risen by 22% 2 over the past year. Inward FDI into the UK In the last 30 years the UK has put in a lot of effort to dramatically increase the inflows of FDI into the country. The strategy succeeded due to the rich and diverse ecosystem of the UK and ease of doing business. The inflow FDI has shown constant growth until 2000, which peaked to $118.8 billion. The IT bubble burst in 2000 caused a dramatic fall in IFDI which can be illustrated in Figure 1. The downfall resulted in the UK attracting only $16.8 billion in 2003. The data shows that the FDI inflows boosted in the period of 2004-2007, and that Mergers and Acquisitions that the Multinational Corporations used to enter the UK, as well as the reduced interest rate, can explain this. Due to the sudden collapse of the world’s economy in 2008 M&A became an unfavourable method of FDI and in just one year IFDI into UK shrank by 50%. The trend continued up to 2011, as the FDI pattern moved towards investments into third world countries and developing nations. This enormous change in the FDI graph after the financial crisis is mainly due to a decline in investments from transnational corporations that are located in the European Union. As the world’s economy has... ...T and communications sector in the UK is likely to stay attractive and to increase its share of IFDI. The plans for UK network companies to move to 4G speed only open opportunities for foreign investors. Overall, I believe that foreign direct investment is going to increase within the next 5 years. Even though the manufacturing sector is likely to shrink, IT and business services will make up for the losses. Due to the nature of the UK economy and a high diversity and educated pool of labour, the IT and Business industries are going to expand. UK is already one of the most favourable countries in the world for IT and financial services due to its ease of doing business, the attractive corporate and personal tax environment, the preferred use of both the English language and English law in business operations, and the UK’s involvement in the European Single Market7.

Adderall Literature Review Essay

According to DSM-IV (2005), Attention Deficit Hyperactivity Disorder (ADHD) is defined as â€Å"persistent pattern of inattention and/or hyperactivity-impulsivity that is more frequently displayed and is more severe than is typically observed in individuals at comparable level of development.† A recent study suggests that 9% of U.S. school-aged children (3-17) are diagnosed with ADHD (US Centers for Disease Control and Prevention, 2010). At first, there was a misconception in society that ADHD only affected children and that eventually they would outgrow it. However, recent data suggests that 4.4% of the U.S. adult population have ADHD. Studies also indicate that 30%-70% of children with ADHD continue to have symptoms as adults. (Desantis, 2008, p. 31) See more: Experiment on polytropic process Essay In terms of treating ADHD, Adderall is the most commonly prescribed medicine for children and adults. According to Desantis (as cited in Okie, 2006), â€Å"The number of American adults who are prescribed medication to treat the disorder has increased by 90% from 2002 to 2005, with adults receiving one-third of all prescriptions† (p. 32). Shire Pharmaceuticals introduced Adderall in 1996. In 2001, Shire introduced an extended release version known as Adderall XR. Adderall is a mixed salt amphetamine. It works to increase concentration and focus by stimulating the production of dopamine and norepinephrine in the brain (Schiffner, 2010). For individuals with ADHD, Adderall produces enough dopamine and norepinephrine in the brain to bring them to a normal state of functioning and focus. For individuals without ADHD, Adderall tends to over-stimulate the brain, which results in an even higher level of functioning and focus. Adderall, along with cocaine and other substances, is classified as a Schedule II substance because of its potential for abuse and dependency both physically and psychologically. Consumption of Adderall by College Students The main subject being explored throughout this paper is the use of Adderall among college students. There have been numerous studies that have explored the overall usage of Adderall, but only a few have focused specifically on its consumption by college students. Studies have also been done on the illegal usage of other stimulants among college students, which highlight relative statistics. Nichols (2004) indicated, â€Å"†¦the United States Department of Health and Human Services found in an annual survey of drug use that 1.8 million Americans between the ages of 18 and 25, or 6 percent of those surveyed, admitted having taken Ritalin — an older stimulant used to treat attention-deficit disorder — without a prescription† (p. A41). This study indicates that there is a growing population of college students who consume non-prescribed stimulants. McCabe et al (2005), conducted a study in which 10,904 students were surveyed at 119 different 4-year colleges in the United States. From that study McCabe et al (2005) found that 6.9% of the students surveyed used an illegal prescription stimulant in their life. 4.1% of which used an illegal prescription stimulant in the past year. Also for the study, McCabe et al (2005) found that non-medical prescription stimulant users were â€Å"more likely to report use of alcohol, cigarettes, marijuana, ecstasy, cocaine, and other risky behaviors† (p. 96). Loe et al (2008) conducted a study on Adderall and Ritalin amongst the college population and results showed that students â€Å"†¦may resort to medical means to manage their time and to perform well inside and outside of the classroom† (p.8). Although the primary use of the drug is for academic purposes, students also turn to it for recreational purposes. Statistically, Loe et al (2008) reported, â€Å"75% of the students who took these meds indicated doing so for academic purposes. Students also list taking them for fun (68%), to stay awake (56%), and to party (50%) as other reasons† (p.8). Adderall may also help young adults improve their driving ability. It has been reported that individuals with ADHD are more likely to be at fault in driving accidents (Burgbacher and Brewer, 2006, p. 7) (as cited in Kay, 2005). This data indicates that students are finding alternative reasons for using stimulants and not just for academic purposes. Desantis et al (2008) surveyed 1,811 students at a large public institution in the southeast. Of the students surveyed, only 4% reported having a prescription to ADHD while 34% reported having used ADHD medication illegally (p. 32). Desantis et al (2008) also indicated that only 2% of the students believed Schedule II amphetamines posed a health risk. 81% of the students believed that ADHD medications were â€Å"not dangerous at all† or â€Å"slightly dangerous† (Desantis et al 2008, p. 33) More recently, Schwarz (2013), in an article for the New York Times, indicated (as cited in I.M.S. Health, 2011) that nearly 14 million monthly prescriptions for the condition were written for Americans ages 20-39, two and half times the 5.6 million just 4 years before. (p. 18) Each of these studies reported similar statistics and similar trends growing amongst the college population. Each study reported a high rate of students consuming non-medical ADHD medications. The more alarming statistic revealed by these studies is that non-medical prescription stimulant users were more likely to abuse other drugs and also believed that ADHD medications were not dangerous at all. This indicates that Adderall and other ADHD medications are becoming a gateway drug. It is also indicates that students may be justifying their usage of non-medical consumption of ADHD medication. Attainment of Adderall Studies show that Adderall is used very often which indicates that it is not difficult for a student to attain. Evidently, those without prescriptions find it rather easy to obtain Adderall. On college campuses, there are usually peers selling or willing to give away Adderall, which is a federal crime. Stolz (2012) put much of the blame on universities by stating that, â€Å"Universities are a large part of the problem. Student can simply go to the health clinic on campus and obtain a prescription for Adderall or an ADHD diagnosis. The process is easy for most, and many students are misdiagnosed in that manner. University clinics eliminate the need for these students to find and make appointments with a psychiatrist, which may take months and entails more stringent testing prior to diagnosis.† (p. 586) Studies also show that, along with universities, physicians often prescribe ADHD prescriptions without performing exact assessments that physicians are trained to perform (Nichols, 2004).   Furthermore, money is also areason for a student to seek an Adderall prescription. Based on the previous statistics mentioned, it is widely known that there is a high demand for Adderall on a college campus, which makes it a profitable investment. Not only does the individual who obtains the prescription benefit from the enhancement of their own academic performance, but also the potential to earn income by selling the pills (Stolz, 2012, p. 586). Loe et al (2008) reported that â€Å"Of the 68 students who claimed to have taken prescription stimulants without a prescription, a large majority, 87%, received the drugs from friends and family and 26% purchased the drug.† (p. 9). This statistic further verifies the simplicity in obtaining prescription stimulants. Health Concerns in Correlation with Adderall Consumption Along with the upside of the drug, as with any other drug, there is a downside that negatively affects individuals physically and psychologically. Negative side effects of Adderall consumption include difficulty sleeping, loss of appetite, seizures, uncontrolled shaking and body movements, and hallucinations (Schiffner, 2010). The Medical Guide for Adderall (which is approved by the U.S. Food and Drug administrations) lists common side effects as, â€Å"Headache, decreased appetite, stomach ache, nervousness, trouble sleeping, mood swings, weight loss, dizziness, dry mouth, and fast heart beat† (Medication Guide, 2011, p. 17)   More drastic side effects may result from long periods of Adderall consumption, especially for individuals who do not have ADHD. Ultimately, this long term consumption can result in severe physical and psychological dependence. In a recent article in the New York Times, Schwarz (2013) (as cited from The Journal of Drug and Alcohol Dependence, 2006) wrote, â€Å"†¦about 10 percent of adolescents and young adults who misused ADHD stimulants became addicted to them. Even proper, doctor supervised use of the medications can trigger psychotic behavior or suicidal thoughts in about 1 in 400 patients, according to a 2006 study in the American Journal of Psychiatry† (p. 18). In March 2005, Health Canada actually suspended the sale of Adderall XR based on 20 international reports of sudden death in patients (Kratochvil, 2005). Evidently, the long-term use of Adderall can cause major health issues including, severe dependence, psychotic behaviors, possible suicidal ideations, and even sudden death. Justifications for Illegal use of Adderall and Other Attention-deficit Medications In society, individuals with drug and substance abuse issues often try to justify their abuse. The main goal of Desantis’ (2008) study was to see how college students â€Å"conceive the drug and justify its use† (p.35). The first justification was comparing ADHD stimulants to party drugs. They asserted that it was morally justifiable to use ADHD stimulants because it was to promote a positive outcome (Desantis, 2008 p. 36). Another assertion was that ADHD stimulants were â€Å"good†, legal drugs because they come from medical establishments rather than â€Å"bad,† illegal street drugs (Desantis, 2008, p. 36). Other participants believed that there’s no high because it does not alter their mind and pose the same side effects in comparison to other illegal street drugs (Desantis, 2008 pp. 36-37). Other justifications indicated in Desantis’ (2008) study were that students use ADHD stimulants in moderation and therefore it is not harmful. Other students maintained that they use stimulants to self-medicate because they believe they have ADHD themselves and have not been diagnosed. The final rationalization is that ADHD stimulants are â€Å"harmless, benign, and a socially acceptable anti-fatigue aid† (Desantis, 2008, pp. 38-41). All in all, the previous research supplies recent qualitative and quantitative data that implies that Adderall and other ADHD stimulant consumption among the college population is a recurring and growing trend. Research also maintained that universities and physicians are also responsible for the drugs circulation. As a result of this research, it is evident that college-aged individuals are unaware of the major physical and psychological risks that can result from the illegal consumption of Adderall and also believe that their consumption is justifiable within society. For this study, a survey will be anonymously distributed among college campuses in the area containing both quantitative and qualitative questions about their experience and/or knowledge of Adderall. The sample population will be college students in the area between the ages of 18-25. The sample population will be selected anonymously and will remain anonymous because the study touches upon illegal activity. I will gain access to my subjects via social media networks (facebook, twitter, etc.). From the survey, I expect to obtain pertinent information that will help understand why college students consume non-prescribed Adderall, how they gain access to Adderall, and if they are aware of the risks that come along with Adderall consumption. References – Burgbacher, Katie, and Amanda Brewer â€Å"Study of Adderall Use Among College Students: A New and Upcoming Trend† University of Kentucky. RUNNING HEAD: Research Project (2006). Pp 1-19 – Desantis, Alan, and Audrey Curtis Hane. â€Å"†Adderall is Definitely Not a Drug†: Justifications for the Illegal Use of ADHD Stimulants.† Substance Use & Misuse 45 (2008): 31-46. Print. – Diagnostic criteria for attention deficit for hyperactivity disorder, (2005). Diagnostic and Statistical Manual of Mental Disorders. American Psychiatric Association. – Kratochvil, Christopher. â€Å"Health Canada suspends Adderall.† Brown University Child & Adolescent Psychopharmacology Update 7 (2005): 12. Print. – Loe, M. E., DeWitt, C. , Quirindongo, C. and Sandler, R. , 2006-08-11 â€Å"†Pharming† to Perform in the Classroom: Making Sense of the Medically-Disciplined College Student Body† Paper presented at the annual meeting of the American Sociological Association, Montreal Convention Center, Montreal, Quebec, Canada Online . 2012-06-24 from http://www.allacademic.com/meta/p103442_index.html – McCabe, S. E., et al (2005). Non-medical use of prescription opioids among U.S. college students: Prevalence and correlates from a national survey. Addictive Behaviors, 30(4), 96-106. – Nichols, K. (2004). The other performance-enhancing drugs. Chronicle of Higher Education, 51(17), A41-A42. – Okie, S. (2006). ADHD in adults. New England Journal of Medicine, 354:2637–2641. – Schiffner, Jennifer. 2010. â€Å"Harder, Better, Faster Stronger: Regulating Illicit Adderall Use Among Law Students and Law Schools† Express – Schwarz, Alan. â€Å"Drowned in a stream of Prescriptions.† The New York Times 3 Feb. 2013: 1, 18-20. Print. – Stolz, Stefanie. â€Å"Adderall Abuse: Regulating the Academic Steroid.† Journal of Law and Education 41, No.3 (2011): 585-592. Print. – Visser, SN, RH Bitsko, ML Danielson, and R Perou. â€Å"Increasing Prevalence of Parent-Reported Attention-Deficit/Hyperactivity Disorder Among Children –United States, 2003 and 2007.† Centers for Disease Control and Prevention 59.44 (2010): 1439-1443. Print.