This document provides information and resources about student loan debt reduction options. It begins with some opening thoughts on higher education investment and returns, and acknowledges that student loan debt is real. The top five tips for managing student loan debt are then outlined. Several federal student loan forgiveness programs are described, including Public Service Loan Forgiveness which forgives the remaining debt for those working full-time in public service after 120 qualifying monthly payments. The document closes by emphasizing budgeting and considering graduate school funding sources other than loans.
This document discusses factors that impact personal income, including human capital investment through education and skills development. It explains that people can earn income from salary, wages, overtime, or unearned sources like interest and inheritance. The document also outlines deductions from gross pay like taxes and savings contributions that result in net pay, and common employee benefits and incentives like health insurance, retirement plans, and bonuses. It concludes by noting the W-4 form impacts tax withholding and personal income.
Actively managing your debt is an important step, and your student debt may be one of the biggest financial obligations you have. There are many strategies that could help you manage student loans efficiently.
The document summarizes information about the Segal AmeriCorps Education Award, including:
- AmeriCorps members receive an education award after completing service that can be used within 7 years to pay student loans or education expenses.
- A full-time term earns a $4,725 award, with pro-rated amounts for less than full-time service.
- The award is taxable and must be used at qualified schools. It can pay existing student loans or current tuition, fees, books and supplies.
- The MyAmeriCorps portal allows members to manage the award, including requesting interest accrual payments or paying loans/expenses.
This document outlines the loan department training course for a financial aid counselor. The 8 module, 2 week training covers topics like awarding loans, aggregrate limits, NSLDS data, loan adjustments, private loans, PLUS loans, TEACH grants, and various reports. Trainees will learn about the university's 4 campuses and online program. The loan department handles various loan processing and certification tasks. Key systems used include PeopleSoft, Salesforce, NSLDS, COD and ELM. The counselor will have a mentor to assist them as they learn their new role.
The document provides instructions for running and reviewing a report of private loan certification requests that were submitted without a social security number. Key steps include running the report in FANet, copying student IDs to the report, checking student enrollment status, resolving SSN mismatches, and updating relevant records.
How to Get Student Loan. Discover Student Loans offers private student loans for international students who are attending an eligible US college or university. International students require a creditworthy cosigner who is a US citizen or Permanent Resident, Visit:-http://www.howstudentloan.com/
This document provides instructions for navigating student account information in Wolverine Access. It explains how to access the account summary, view pending financial aid, and determine charges owed by subtracting pending aid from total charges. It also describes how to read the student account statement, understand billed charges and pending aid, and determine any refunds owed if aid exceeds charges.
Students will learn about how the different forms of financial aid can help them finance their college education, and how to obtain funding help when paying for college.
This document discusses factors that impact personal income, including human capital investment through education and skills development. It explains that people can earn income from salary, wages, overtime, or unearned sources like interest and inheritance. The document also outlines deductions from gross pay like taxes and savings contributions that result in net pay, and common employee benefits and incentives like health insurance, retirement plans, and bonuses. It concludes by noting the W-4 form impacts tax withholding and personal income.
Actively managing your debt is an important step, and your student debt may be one of the biggest financial obligations you have. There are many strategies that could help you manage student loans efficiently.
The document summarizes information about the Segal AmeriCorps Education Award, including:
- AmeriCorps members receive an education award after completing service that can be used within 7 years to pay student loans or education expenses.
- A full-time term earns a $4,725 award, with pro-rated amounts for less than full-time service.
- The award is taxable and must be used at qualified schools. It can pay existing student loans or current tuition, fees, books and supplies.
- The MyAmeriCorps portal allows members to manage the award, including requesting interest accrual payments or paying loans/expenses.
This document outlines the loan department training course for a financial aid counselor. The 8 module, 2 week training covers topics like awarding loans, aggregrate limits, NSLDS data, loan adjustments, private loans, PLUS loans, TEACH grants, and various reports. Trainees will learn about the university's 4 campuses and online program. The loan department handles various loan processing and certification tasks. Key systems used include PeopleSoft, Salesforce, NSLDS, COD and ELM. The counselor will have a mentor to assist them as they learn their new role.
The document provides instructions for running and reviewing a report of private loan certification requests that were submitted without a social security number. Key steps include running the report in FANet, copying student IDs to the report, checking student enrollment status, resolving SSN mismatches, and updating relevant records.
How to Get Student Loan. Discover Student Loans offers private student loans for international students who are attending an eligible US college or university. International students require a creditworthy cosigner who is a US citizen or Permanent Resident, Visit:-http://www.howstudentloan.com/
This document provides instructions for navigating student account information in Wolverine Access. It explains how to access the account summary, view pending financial aid, and determine charges owed by subtracting pending aid from total charges. It also describes how to read the student account statement, understand billed charges and pending aid, and determine any refunds owed if aid exceeds charges.
Students will learn about how the different forms of financial aid can help them finance their college education, and how to obtain funding help when paying for college.
The document discusses various types of federal financial aid available for students, including:
1) The Free Application for Federal Student Aid (FAFSA) which is used to apply for grants, work-study, and loans.
2) The Pell Grant which does not need to be repaid and can be awarded to students in post-baccalaureate teacher programs.
3) Federal loans including Perkins Loans, Direct Subsidized and Unsubsidized Stafford Loans, and Direct PLUS Loans. These have varying interest rates and eligibility requirements.
4) Options for loan forgiveness such as programs for teachers working in low-income schools, and different repayment plans like income-based repayment
This document provides information about student loan adjustments, including:
1) The worklist item detail screen contains information to help process student loan adjustment forms seamlessly, including graduation date, academic level, enrolled classes, awarded loans, and PLUS credit denials.
2) The student loan adjustment form is used to accept, increase, decrease, offer, or decline subsidized, unsubsidized, and graduate PLUS loans.
3) Guidelines for adjustments include splitting loans evenly for fall/spring attendance, prorating loans for students graduating mid-year or attending for only one semester, and processing increases on new lines.
Grants, scholarships, loans, and work-study programs provide various forms of financial aid for students. Grants such as Pell Grants and FSEOG are need-based and do not need to be repaid. Scholarships like the Osher Scholarship offer free tuition based on qualifications. Loans like Perkins and Stafford loans are available but require repayment. Work-study programs provide on-campus jobs to help pay for expenses. Additional resources help those in specific fields or circumstances, such as veterans or displaced workers.
The document provides instructions for resolving discrepancies between the net and actual disbursement amounts for private education loans. It describes reasons a loan may not disburse fully or partially, such as enrollment status issues. It outlines steps to research the reason, make necessary adjustments to the disbursement amount in the system, and return funds to the lender if needed. This ensures the net and actual disbursement amounts match on the student's account.
The document is a presentation from The Iowa Able Foundation about money management. It discusses setting both short-term and long-term goals, considering income, benefits, taxes, and required education when choosing a career, creating a budget to track spending and ensure bills can be paid, and the importance of saving for both predictable and unpredictable expenses through methods like paying yourself first and retirement funds. The presentation aims to empower Iowans with disabilities and seniors to achieve financial independence.
This document summarizes various sources of financial aid available to students, including grants, scholarships, loans, and work study. It outlines the following key points:
Grants include need-based Pell Grants from the federal government, as well as state and university grants. Scholarships are also available for students with special qualifications. Loans include Perkins Loans, Stafford Loans, and PLUS Loans for parents. The Federal Work Study Program allows students to earn money for tuition through on-campus jobs. The document encourages students to contact their university financial aid office for more information on available funding options.
College Financial Aid Resources for High School Studentsriosalado
It is important to keep in mind that higher education is an investment and there are numerous college financial aid resources that can help make your dream a reality. View this presentation to learn more about college financial aid resources.
Federal education grants provide billions of dollars each year to help students pay for college. The most common grants discussed are Pell Grants, which average around $3,600 per student. Pell Grants form the base of federal financial aid and do not need to be repaid. To qualify for grants, students must submit a FAFSA and have financial need based on their Expected Family Contribution amount. Grants are primarily for undergraduate students but some programs support graduate students as well.
Biden has proposed canceling federal student loan debt for those who attended public or private HBCUs/MSIs for undergraduate tuition if they earn less than $125,000. The proposals would not affect private loans. Borrowers should check studentaid.gov for updates and make sure their contact info is correct. There are several ways to get loans discharged or forgiven such as borrower defense, total and permanent disability, or school closure. Borrowers can apply for borrower defense or check eligibility for other programs.
The document provides information on different strategies for saving for college, including 529 plans, custodial accounts, Coverdell accounts, and strategies to maximize financial aid eligibility. It notes that 529 plans allow tax-free growth and withdrawals for education, while custodial accounts provide more flexibility but taxes are owed on the child's income. Coverdell accounts have lower contribution limits but allow for elementary and high school expenses. To maximize aid, savings should be in the parent's name and student assets/income spent first. When repaying loans, do so regularly and consider tax breaks, consolidation, or deferment if needed.
The student requests to defer payment of program fees for an international study program until their financial aid is disbursed from their home university. They agree to pay their balance within 10 business days of aid disbursement. The financial aid officer certifies the estimated aid amounts and disbursement dates so ISEP can adjust the payment due date accordingly. The student understands they are responsible for full payment and contact ISEP if unable to pay once aid is received.
This document discusses various options for financing a college education. It outlines types of financial aid like grants, scholarships, work-study programs, tuition reimbursement, and tax credits. It also mentions taking out student or parent loans, qualifying for independent status, and utilizing campus work-study jobs. The document provides advice on getting help from financial aid officers, setting a semester budget, and finding applicable scholarships to apply for.
The document discusses district and school site budgeting and what principals need to know. It covers three parts: 1) an overview of what site leaders need to know about budgets, 2) school district budgeting, and 3) site-level budgeting. School district budgets are tightly constrained, with 85% of budgets locked up in salaries and benefits, and few discretionary funds remaining of only 2-3%. Principals must understand budgeting to be instructional leaders and avoid potential career problems from financial mismanagement.
The Lenox CFOTM provides comprehensive financial planning services including preparation and implementation of a customized financial plan, estate planning, retirement and cash flow management, asset management, insurance reviews, gifting and college education planning, corporate benefits planning, and ongoing monitoring services. Key services include fact finding sessions, personalized websites for financial planning, estate planning recommendations to minimize taxes, goal modeling and cash flow analysis, asset allocation reviews, insurance coverage reviews, maximizing annual gifts and education savings, and coordinating benefits for business owners.
This document provides information about a webinar on student loans and service members presented by the Consumer Financial Protection Bureau. The webinar covered topics like choosing a college, types of financial aid including the GI Bill, tips for repaying student debt, and special benefits for service members. It emphasized researching options thoroughly before taking on loans and highlighted available resources from the CFPB and Department of Veterans Affairs. The webinar aimed to help service members and their families make informed choices about paying for education.
ollege Financial Aid 101. What kinds of grants can you get? What are the Different Loan Types? The Downside to Scholarships? A quick and dirty rundown of the basics to help you make the most of your college aid application, updated for 2019-2020.
The Ultimate Guide to Student Loan RepaymentAnik Khan
This presentation is designed for the 44M Americans with student loans. It provides a comprehensive overview of student loan repayment options from pausing payments to income-driven repayment plans and refinancing. It also demonstrates how to objectively evaluate different repayment options and gives tips on how to think about repayment in the context of other financial objectives and decisions.
This document provides an overview of college financial aid basics for the 2018-2019 school year. It defines key terms like cost of attendance, expected family contribution, and dependency status. It outlines the major types of financial aid including need-based grants, loans, work study, and merit-based scholarships. The document reviews the process for applying for aid including filing the FAFSA annually and understanding student aid reports versus aid offers. Tools, tips and resources for obtaining financial aid are also provided.
As we save for college, what if something unexpected were to happen to us. What if you were diagnosed with a critical, chornic, or terminal illness? What if death were to occur, would you be able to continue saving for you childs education?
The document discusses various types of federal financial aid available for students, including:
1) The Free Application for Federal Student Aid (FAFSA) which is used to apply for grants, work-study, and loans.
2) The Pell Grant which does not need to be repaid and can be awarded to students in post-baccalaureate teacher programs.
3) Federal loans including Perkins Loans, Direct Subsidized and Unsubsidized Stafford Loans, and Direct PLUS Loans. These have varying interest rates and eligibility requirements.
4) Options for loan forgiveness such as programs for teachers working in low-income schools, and different repayment plans like income-based repayment
This document provides information about student loan adjustments, including:
1) The worklist item detail screen contains information to help process student loan adjustment forms seamlessly, including graduation date, academic level, enrolled classes, awarded loans, and PLUS credit denials.
2) The student loan adjustment form is used to accept, increase, decrease, offer, or decline subsidized, unsubsidized, and graduate PLUS loans.
3) Guidelines for adjustments include splitting loans evenly for fall/spring attendance, prorating loans for students graduating mid-year or attending for only one semester, and processing increases on new lines.
Grants, scholarships, loans, and work-study programs provide various forms of financial aid for students. Grants such as Pell Grants and FSEOG are need-based and do not need to be repaid. Scholarships like the Osher Scholarship offer free tuition based on qualifications. Loans like Perkins and Stafford loans are available but require repayment. Work-study programs provide on-campus jobs to help pay for expenses. Additional resources help those in specific fields or circumstances, such as veterans or displaced workers.
The document provides instructions for resolving discrepancies between the net and actual disbursement amounts for private education loans. It describes reasons a loan may not disburse fully or partially, such as enrollment status issues. It outlines steps to research the reason, make necessary adjustments to the disbursement amount in the system, and return funds to the lender if needed. This ensures the net and actual disbursement amounts match on the student's account.
The document is a presentation from The Iowa Able Foundation about money management. It discusses setting both short-term and long-term goals, considering income, benefits, taxes, and required education when choosing a career, creating a budget to track spending and ensure bills can be paid, and the importance of saving for both predictable and unpredictable expenses through methods like paying yourself first and retirement funds. The presentation aims to empower Iowans with disabilities and seniors to achieve financial independence.
This document summarizes various sources of financial aid available to students, including grants, scholarships, loans, and work study. It outlines the following key points:
Grants include need-based Pell Grants from the federal government, as well as state and university grants. Scholarships are also available for students with special qualifications. Loans include Perkins Loans, Stafford Loans, and PLUS Loans for parents. The Federal Work Study Program allows students to earn money for tuition through on-campus jobs. The document encourages students to contact their university financial aid office for more information on available funding options.
College Financial Aid Resources for High School Studentsriosalado
It is important to keep in mind that higher education is an investment and there are numerous college financial aid resources that can help make your dream a reality. View this presentation to learn more about college financial aid resources.
Federal education grants provide billions of dollars each year to help students pay for college. The most common grants discussed are Pell Grants, which average around $3,600 per student. Pell Grants form the base of federal financial aid and do not need to be repaid. To qualify for grants, students must submit a FAFSA and have financial need based on their Expected Family Contribution amount. Grants are primarily for undergraduate students but some programs support graduate students as well.
Biden has proposed canceling federal student loan debt for those who attended public or private HBCUs/MSIs for undergraduate tuition if they earn less than $125,000. The proposals would not affect private loans. Borrowers should check studentaid.gov for updates and make sure their contact info is correct. There are several ways to get loans discharged or forgiven such as borrower defense, total and permanent disability, or school closure. Borrowers can apply for borrower defense or check eligibility for other programs.
The document provides information on different strategies for saving for college, including 529 plans, custodial accounts, Coverdell accounts, and strategies to maximize financial aid eligibility. It notes that 529 plans allow tax-free growth and withdrawals for education, while custodial accounts provide more flexibility but taxes are owed on the child's income. Coverdell accounts have lower contribution limits but allow for elementary and high school expenses. To maximize aid, savings should be in the parent's name and student assets/income spent first. When repaying loans, do so regularly and consider tax breaks, consolidation, or deferment if needed.
The student requests to defer payment of program fees for an international study program until their financial aid is disbursed from their home university. They agree to pay their balance within 10 business days of aid disbursement. The financial aid officer certifies the estimated aid amounts and disbursement dates so ISEP can adjust the payment due date accordingly. The student understands they are responsible for full payment and contact ISEP if unable to pay once aid is received.
This document discusses various options for financing a college education. It outlines types of financial aid like grants, scholarships, work-study programs, tuition reimbursement, and tax credits. It also mentions taking out student or parent loans, qualifying for independent status, and utilizing campus work-study jobs. The document provides advice on getting help from financial aid officers, setting a semester budget, and finding applicable scholarships to apply for.
The document discusses district and school site budgeting and what principals need to know. It covers three parts: 1) an overview of what site leaders need to know about budgets, 2) school district budgeting, and 3) site-level budgeting. School district budgets are tightly constrained, with 85% of budgets locked up in salaries and benefits, and few discretionary funds remaining of only 2-3%. Principals must understand budgeting to be instructional leaders and avoid potential career problems from financial mismanagement.
The Lenox CFOTM provides comprehensive financial planning services including preparation and implementation of a customized financial plan, estate planning, retirement and cash flow management, asset management, insurance reviews, gifting and college education planning, corporate benefits planning, and ongoing monitoring services. Key services include fact finding sessions, personalized websites for financial planning, estate planning recommendations to minimize taxes, goal modeling and cash flow analysis, asset allocation reviews, insurance coverage reviews, maximizing annual gifts and education savings, and coordinating benefits for business owners.
This document provides information about a webinar on student loans and service members presented by the Consumer Financial Protection Bureau. The webinar covered topics like choosing a college, types of financial aid including the GI Bill, tips for repaying student debt, and special benefits for service members. It emphasized researching options thoroughly before taking on loans and highlighted available resources from the CFPB and Department of Veterans Affairs. The webinar aimed to help service members and their families make informed choices about paying for education.
ollege Financial Aid 101. What kinds of grants can you get? What are the Different Loan Types? The Downside to Scholarships? A quick and dirty rundown of the basics to help you make the most of your college aid application, updated for 2019-2020.
The Ultimate Guide to Student Loan RepaymentAnik Khan
This presentation is designed for the 44M Americans with student loans. It provides a comprehensive overview of student loan repayment options from pausing payments to income-driven repayment plans and refinancing. It also demonstrates how to objectively evaluate different repayment options and gives tips on how to think about repayment in the context of other financial objectives and decisions.
This document provides an overview of college financial aid basics for the 2018-2019 school year. It defines key terms like cost of attendance, expected family contribution, and dependency status. It outlines the major types of financial aid including need-based grants, loans, work study, and merit-based scholarships. The document reviews the process for applying for aid including filing the FAFSA annually and understanding student aid reports versus aid offers. Tools, tips and resources for obtaining financial aid are also provided.
As we save for college, what if something unexpected were to happen to us. What if you were diagnosed with a critical, chornic, or terminal illness? What if death were to occur, would you be able to continue saving for you childs education?
The document provides information to help students and families plan for college costs. It discusses comparing costs for public versus private universities and exploring financial aid options like scholarships, grants, loans, student employment, personal savings accounts and more. The presentation aims to help attendees understand options for paying for college and stresses the importance of starting to plan and save early.
A complete guide of private student loan counseling for the college graduate!
Get the necessary information to pay off your student loans and move forward into the professional world.
The document discusses options for repaying and reducing student loan debt for veterinarians. It states that the average veterinary graduate has over $160,000 in student loans but an average starting salary of only $68,000, making loan repayment difficult. It outlines federal repayment plans like income-driven plans and loan forgiveness programs for public service or working in underserved areas. The public service loan forgiveness program, which forgives any remaining debt after 120 qualifying monthly payments while working full-time for a nonprofit, is described as one of the most generous options.
In general, federal student loans are also referred to as government loans which are organized and funded by the U.S. Department of Education and deployed to the students who filled the form through the federal student aid program.
This document provides information about student loan debt management. It covers types of loans, interest rates, repayment plans including income-driven plans, loan forgiveness options like Public Service Loan Forgiveness, consolidation, deferment and forbearance. Key details include different federal loan programs, when repayment begins, calculating interest, eligibility for alternative repayment plans, requirements for loan forgiveness programs, and tips for planning repayment.
This self-paced course is designed to provide you with a basic understanding of personal financial management to help you meet life's challenges and opportunities in college and in life. Major topics covered include: financial planning; budgeting; information on the various sources of financial aid; credit use; standards of progress for financial aid eligibility; affording the loan debt that you have borrowed; using your maximum credit wisely; and retirement planning. Students will be provided with information that will enhance their knowledge and skills to assist them with making more informed decisions that are related to various practices as they pursue their education at Madison College.
This is a free webinar hosted by the Personal Finance concentration area of the Military Families Learning Network.
This 90-minute webinar will cover the process of choosing a college and evaluating education programs programs to determine the cost value of a student loan before acquiring the debt. The facilitators will also discuss using the GI Bill Comparison Tool, as well as avoiding loan scams. The second half of the webinar will take a look at repayment options and how to recover from mounting student loan debt, with special focus on options for members of the Armed Services.
Financial Education - A Family Affair - Budgeting and College Savings Strateg...Jim Stehr
This document provides an overview of budgeting and college savings strategies. It discusses the importance of saving for higher education as part of an overall savings plan by managing a household budget. Various savings options for college are examined, including 529 college savings plans and Roth IRAs. 529 plans allow tax-free growth of contributions and qualified withdrawals for education. While considered assets for financial aid, their low costs and tax benefits are advantageous for college savings.
This document summarizes expert advice for managing student loan debt from attorney Heather Jarvis. The summary points are:
1) Know your loan types and amounts by checking the National Student Loan Data System and credit reports.
2) Stay in contact with your loan servicer to avoid problems.
3) Carefully consider repayment options like income-driven plans to minimize interest costs over time.
4) Consolidating loans can provide benefits but loses federal protections - fully research this decision.
5) Seek help from servicers if struggling to avoid default, which has serious financial consequences.
This document provides information to students about managing student loan debt after graduating from school. It discusses assessing existing loan amounts, completing exit counseling to understand repayment options and responsibilities, using tools like the National Student Loan Data System to view loan details and repayment estimates. It also outlines several repayment plan options offered by the Department of Education, including standard, extended, graduated, income-based, income-contingent, Pay As You Earn and Revised Pay As You Earn plans, explaining eligibility and payment calculation details for each. The goal is to help students prepare for loan repayment and choose a plan that best fits their financial situation.
The document provides information on different options for paying for college, including financial aid, grants, scholarships, loans, and other programs. It discusses filing the FAFSA to qualify for most federal and state financial aid programs. It explains that grants and scholarships do not need to be paid back. It also outlines the differences between federal and private student loans. The document recommends only borrowing what is needed to cover school expenses and to consider a student's future earning potential and debt-to-income ratio when determining loan amounts. It provides websites for additional information on various financial aid and loan programs.
This document summarizes information presented at a financial aid workshop at Nova Southeastern University. It discusses various types of federal student loans including Direct Subsidized and Unsubsidized Loans, Grad PLUS Loans, and Perkins Loans. It provides details on loan repayment options like standard, graduated, extended, income-driven, and income-sensitive plans. It also covers topics like loan consolidation, loan forgiveness programs for teachers, total and permanent disability discharge, and Public Service Loan Forgiveness. The workshop aims to help students understand their loan obligations and choose repayment plans suited to their financial situations.
The seminar is intended for executives and Human Resource leadership. This seminar will focus in particular on non-profit and government employers, who may have employees eligible for Public Service Loan Forgiveness.
Under PSLF, non-profit and government employees could be eligible to have their federal loans forgiven after 10 years. The first round of forgiveness starts October 2017. We will cover a broad range of student loan topics, including:
• Student loan legislation and policy updates
• Public Service Loan Forgiveness
• Employer responsibilities on PSLF certification
• Student loan impact on workers
• Options for employer student loan benefits
Orientations for Online Programs Starting July 1 2014Bluefield College
- Registration for Bluefield College online courses requires registering with your advisor or student services coach if you are a new student, or online through your MyBC account if you are a continuing student.
- Although courses are 8 weeks, registration must be for the full 16-week semester to be eligible for financial aid.
- Students must participate in their courses by May 12th or they will be administratively withdrawn, and failure to continue participating without officially withdrawing will result in a grade of F.
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
How to Manage Your Lost Opportunities in Odoo 17 CRMCeline George
Odoo 17 CRM allows us to track why we lose sales opportunities with "Lost Reasons." This helps analyze our sales process and identify areas for improvement. Here's how to configure lost reasons in Odoo 17 CRM
Executive Directors Chat Leveraging AI for Diversity, Equity, and InclusionTechSoup
Let’s explore the intersection of technology and equity in the final session of our DEI series. Discover how AI tools, like ChatGPT, can be used to support and enhance your nonprofit's DEI initiatives. Participants will gain insights into practical AI applications and get tips for leveraging technology to advance their DEI goals.
How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
it describes the bony anatomy including the femoral head , acetabulum, labrum . also discusses the capsule , ligaments . muscle that act on the hip joint and the range of motion are outlined. factors affecting hip joint stability and weight transmission through the joint are summarized.
Main Java[All of the Base Concepts}.docxadhitya5119
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
This slide is special for master students (MIBS & MIFB) in UUM. Also useful for readers who are interested in the topic of contemporary Islamic banking.
How to Add Chatter in the odoo 17 ERP ModuleCeline George
In Odoo, the chatter is like a chat tool that helps you work together on records. You can leave notes and track things, making it easier to talk with your team and partners. Inside chatter, all communication history, activity, and changes will be displayed.
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
How to Build a Module in Odoo 17 Using the Scaffold MethodCeline George
Odoo provides an option for creating a module by using a single line command. By using this command the user can make a whole structure of a module. It is very easy for a beginner to make a module. There is no need to make each file manually. This slide will show how to create a module using the scaffold method.
How to Build a Module in Odoo 17 Using the Scaffold Method
HMSV B180 Money Matters
1. MONEY MATTER$:
STUDENT LOAN DEBT
REDUCTION
RESOURCES
HMSV B180: Personal & Professional
Development – Dr. Thomas, Spring 2015
2. Disclaimer
Details contained in this presentation are for
general information purposes only!
Please consult with the following authorities for
clarification about your personal accounts:
USCB Financial Aid Office
US Department of Education
State Taxation Department
US Internal Revenue Service
Financial Institution (for private student loans)
3. Opening thoughts…
Higher education is
an investment…
ROI (Return On
Investment)
depends on you…
Student loan debt is
real…
Debt reduction
options are available
for some student
loans…
4. Top 5 Tips…
1. Don’t ignore your loans!
2. Don’t panic.
3. Know your loan types.
4. KIT with your lender.
5. Pick the right repayment
option for you…
5. Student Loan Forgiveness
Programs
Federal Volunteer
Programs:
AmeriCorps
Peace Corps
VISTA
Other Federal Programs:
Federal Agencies
Public Service (PSLF)
Teacher*
Military*
6. Public Service Loan Forgiveness
(PSLF)
Best & brightest for public
service
Eligibility*:
FT employment in sector
120 on-time payments while
employed
Direct Loan Program only
Consolidation is an option
Repayment plan type
matters
*See disclaimer on slide #2
7. Qualified Repayment Plans for
PSLF
Income-based plans (more
paid on interest!):
IBR (income-based-
repayment, up to 15% of
discretionary income, hardship
required, max 25 years)
PAYE (pay-as-you-earn, up to
10% of discretionary income,
hardship required, max 20
years)
ICR (income-contingent-
repayment, max 25 years)
10 year standard*
8. Student Loan Forgiveness
Programs
Type of Forgiveness, Cancellation, or
Discharge
Direct Loans
Federal Family
Education Loan
(FFEL) Program
Loans
Perkins Loans
Closed School Discharge x x x
Total and Permanent Disability Discharge X X X
Death Discharge X X X
Discharge in Bankruptcy (in rare cases) X X X
False Certification of Student Eligibility or Unauthorized
Payment Discharge
X X
Unpaid Refund Discharge X X
Teacher Loan Forgiveness X X
Public Service Loan Forgiveness X
Perkins Loan Cancellation and Discharge (includes
Teacher Cancellation)
X
9. Other helpful charts…
https://studentaid.ed.gov/repay-
loans/forgiveness-cancellation/charts
10. Closing thoughts…
What you make
does not matter
nearly as much as
what you
spend/save!
Budget
Budget.
Budget!
Graduate school?
Fellowship!!
Scholarships!
Employer
pay/reimbursement!
Student loans = last,
not first option!
40 million people across the United States who have monumental student debt, as reported by CNN. In fact, student loans have increased by 84% since the recession (from 2008 to 2014) and are the only type of consumer debt not decreasing, according to a study from Experian, which analyzed student loan trends from 2008 through 2014.
The analysis also finds that in total, a staggering $1.2 trillion is bleeding students dry.
Of all of the open student loan accounts, says Experian, 39% ($417 billion) are in deferment (the period during which payments are not obligatory) and 61% ($727 billion) are in repayment. Of the consumers who are currently in the repayment stage, their average payment is $279 per consumer.
1. Know Your Loans: It's important to keep track of the lender, balance, and repayment status for each of your student loans. These details determine your options for loan repayment and forgiveness. If you're not sure, ask your lender or visit www.nslds.ed.gov. You can log in and see the loan amounts, lender(s), and repayment status for all of your federal loans. If some of your loans aren't listed, they're probably private (non-federal) loans. For those, try to find a recent billing statement and/or the original paperwork that you signed. Contact your school if you can't locate any records.
2. Know Your Grace Period: Different loans have different grace periods. A grace period is how long you can wait after leaving school before you have to make your first payment. It's six months for federal Stafford loans, but nine months for federal Perkins loans. For federal PLUS loans, it depends on when they were issued (see details). The grace periods for private student loans vary, so consult your paperwork or contact your lender to find out. Don't miss your first payment!
3. Stay in Touch with Your Lender: Whenever you move or change your phone number or email address, tell your lender right away. If your lender needs to contact you and your information isn't current, it can end up costing you a bundle. Open and read every piece of mail - paper or electronic - that you receive about your student loans. If you're getting unwanted calls from your lender or a collection agency, don't stick your head in the sand - talk to your lender! Lenders are supposed to work with borrowers to resolve problems, and collection agencies have to follow certainrules. Ignoring bills or serious problems can lead to default, which has severe, long-term consequences (see tip 6 for more about default.)
4. Pick the Right Repayment Option: When your federal loans come due, your loan payments will automatically be based on a standard 10-year repayment plan. If the standard payment is going to be hard for you to cover, there are other options, and you can change plans down the line if you want or need to. Extending your repayment period beyond 10 years can lower your monthly payments, but you'll end up paying more interest - often a lot more - over the life of the loan. Some important options for student loan borrowers are income-driven repayment plans such as Income-Based Repayment and Pay As You Earn which cap your monthly payments at a reasonable percentage of your income each year, and forgive any debt remaining after no more than 25 years (depending on the plan) of affordable payments. Forgiveness may be available after just 10 years of these payments for borrowers in the public and nonprofit sectors (see tip 10 below). To find out more about Income-Based Repayment and related programs and how they might work for you, visit IBRinfo.org.
Private loans are not eligible for IBR or the other federal loan payment plans, deferments, forbearances, or forgiveness programs. However, the lender may offer some type of forbearance, typically for a fee, or you may be able to make interest-only payments for some period of time. Read your original private loan paperwork carefully and then talk to the lender about what repayment options you may have.
5. Don't Panic: If you're having trouble making payments because of unemployment, health problems, or other unexpected financial challenges, remember that you have options for managing your federal student loans. There are legitimate ways to temporarily postpone your federal loan payments, such as deferments and forbearance. For example, an unemployment deferment might be the right choice for you if you're having trouble finding work right now. But beware: interest accrues on all types of loans during forbearances, and on some types of loans during deferment, increasing your total debt, so ask your lender about making interest-only payments if you can afford it.
If you expect your income to be lower than you'd hoped for more than a few months, check out Income-Based Repayment. Your required payment in IBR can be as little as $0 when your income is very low. See tip 4 for more about IBR and other repayment options.
6. Stay out of Trouble! Ignoring your student loans has serious consequences that can last a lifetime. Not paying can lead to delinquency and default. For federal loans, default kicks in after nine months of non-payment. When you default, your total loan balance becomes due, your credit score is ruined, the total amount you owe increases dramatically, and the government can garnish your wages and seize your tax refunds if you default on a federal loan. For private loans, default can happen much more quickly and can put anyone who co-signed for your loan at risk as well. Talk to your lender right away if you're in danger of default. You can also find helpful information atstudentloanborrowerassistance.org.
7. Lower Your Principal If You Can: When you make a federal student loan payment, it covers any late fees first, then interest, and finally the principal. If you can afford to pay more than your required monthly payment - every time or now and then - you can lower your principal, which reduces the amount of interest you have to pay over the life of the loan. Include a written request to your lender to make sure that the extra amount is applied to your principal! Otherwise it will automatically be applied to future payments instead. Keep copies for your records and check back to be sure the overpayment was applied correctly.
8. Pay Off the Most Expensive Loans First: If you're considering paying off one or more of your loans ahead of schedule, or trying to reduce the principal, start with the one that has the highest interest rate. If you have private loans in addition to federal loans, start with your private loans, since they almost always have higher interest rates and lack the flexible repayment options and other protections of federal loans.
9. To Consolidate or Not to Consolidate: A consolidation loan combines multiple loans into one for a single monthly payment and one fixed interest rate. If this is appealing, here are some pros and cons to consider. You canconsolidate your federal student loans through the Direct Loan program, and this calculator can help you figure out what your interest rate would be. For private consolidation loans, shop around carefully for a low or fixed interest rate if you can find one, and read all the fine print. Never consolidate federal loans into a private student loan, or you'll lose all the repayment options and borrower benefits - like unemployment deferments and loan forgiveness programs - that come with federal loans!
10. Loan Forgiveness: There are various programs that will forgive all or some of your federal student loans if you work in certain fields or for certain types of employers. Public Service Loan Forgiveness is a federal program that forgives any student debt remaining after 10 years of qualifying payments for people in government, nonprofit, and other public service jobs. Find out more at IBRinfo.org. There are other federal loan forgiveness options available for teachers, nurses, AmeriCorps and PeaceCorps volunteers, and other professions, as well as some state, school, and private programs (see some examples).
The PSLF Program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, borrowers may qualify for forgiveness of the remaining balance of their Direct Loans after they have made 120 qualifying payments on those loans while employed full time by certain public service employers.
Qualifying employment is any employment with a federal, state, or local government agency, entity, or organization or a not-for-profit organization that has been designated as tax-exempt by the Internal Revenue Service (IRS) under Section 501(c)(3) of the Internal Revenue Code (IRC). The type or nature of employment with the organization does not matter for PSLF purposes. Additionally, the type of services that these public service organizations provide does not matter for PSLF purposes. A private not-for-profit employer that is not a tax-exempt organization under Section 501(c)(3) of the IRC may be a qualifying public service organization if it provides certain specified public services. These services include emergency management, military service, public safety, or law enforcement services; public health services; public education or public library services; school library and other school-based services; public interest law services; early childhood education; public service for individuals with disabilities and the elderly. The organization must not be a labor union or a partisan political organization.
Just a few examples – see link for specifics: https://studentaid.ed.gov/repay-loans/understand/plans
IBR: Your maximum monthly payments will be 15 percent of discretionary income, the difference between your adjusted gross income and 150 percent of the poverty guideline for your family size and state of residence (other conditions apply).
Your payments change as your income changes.
Up to 25 years
PAYE: Your maximum monthly payments will be 10 percent of discretionary income, the difference between your adjusted gross income and 150 percent of the poverty guideline for your family size and state of residence (other conditions apply).
Your payments change as your income changes.
Up to 20 years
ICR: Payments are calculated each year and are based on your adjusted gross income, family size, and the total amount of your Direct Loans. Your payments change as your income changes. Up to 25 years
40 million people across the United States who have monumental student debt, as reported by CNN. In fact, student loans have increased by 84% since the recession (from 2008 to 2014) and are the only type of consumer debt not decreasing, according to a study from Experian, which analyzed student loan trends from 2008 through 2014.
The analysis also finds that in total, a staggering $1.2 trillion is bleeding students dry.
Of all of the open student loan accounts, says Experian, 39% ($417 billion) are in deferment (the period during which payments are not obligatory) and 61% ($727 billion) are in repayment. Of the consumers who are currently in the repayment stage, their average payment is $279 per consumer.