Repay Your Student Loans!
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Student loans is a troublesome burden that most young adults carry. Coming up with the quickest way to pay it off is only in your best interest. Find out how!
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Syllabus
Chapter-1
Introduction to objective, scope and outcome the subject
Chapter 2
Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
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Chapter 6
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Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
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For Upcoming Meetups Join Mysore Meetup Group - https://meetups.mulesoft.com/mysore/YouTube:- youtube.com/@mulesoftmysore
Mysore WhatsApp group:- https://chat.whatsapp.com/EhqtHtCC75vCAX7gaO842N
Speaker:-
Shivani Yasaswi - https://www.linkedin.com/in/shivaniyasaswi/
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Shubham Chaurasia - https://www.linkedin.com/in/shubhamchaurasia1/
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Repay Your Student Loans!
- 2. • STUDENT LOANS CAN BE A TROUBLESOME BURDEN. • ALTHOUGH THE INTEREST RATES FOR MALAYSIAN STUDENT LOANS SUCH AS PTPTN, IS LOW(1%), THERE IS STILL AN ADDITIONAL AMOUNT TO YOUR LOAN TO BE PAID. • WHEN ADDED WITH OTHER LOANS SUCH AS HOUSING AND CAR LOAN, YOU COULD END UP OWING A HUGE AMOUNT. • YOU BEGIN YOUR WORKING LIFE WITH A DEBT, WHICH CAN BE QUITE DISCOURAGING.
- 3. SO COMING UP WITH THE QUICKEST WAY TO PAY OFF STUDENT LOANS IS ONLY IN YOUR BEST INTEREST.
- 4. DETERMINE THE DEBT • FIRST, ANALYSE HOW MUCH YOU OWE IN TOTAL (YOU MAY HAVE MORE THAN ONE STUDENT LOAN; FOR EXAMPLE FOR DIPLOMA AND DEGREE). • IF YOU’RE CARRYING ONLY ONE LOAN, YOU MIGHT WANT TO CONSIDER ADDING ANY OTHER DEBT YOU HAVE TO REALLY WIPE THE SLATE CLEAN. • ONCE YOU GET TO YOUR TOTAL DEBT AMOUNT, YOUR GOAL IS SET.
- 5. TERMS AND CONDITIONS • ALL LOANS HAVE THEM THE RESPECTIVE INTEREST RATES, PENALTIES, DUE DATES, AND LATE FEES THAT COME WITH HOLDING A DEBT. • THESE ITEMS ALL HAVE THE POTENTIAL TO INCREASE YOUR AMOUNT DUE OVER TIME. • KNOW THE TERMS THAT COME WITH EACH OF YOUR LOANS AND BE AWARE OF THE RISKS. YOU’LL NEED THIS INFORMATION.
- 6. PRIORITY PLANNING • NOW THAT YOU KNOW YOUR T&CS, MAKE YOUR PLAN BASED BY PLACING THE LOANS THAT HAVE THE HIGHEST INTEREST RATES AND PENALTIES AT THE TOP OF YOUR LIST. • PAY EXTRA THAN THE MINIMUM MONTHLY PAYMENT TOWARDS THE LOANS AT THE TOP OF THE LIST (REFER TO NEXT SLIDE) • CONTINUE DOING THIS EVERY MONTH UNTIL THE MOST TAXING BALANCE IS PAID DOWN. • THEN ADD THAT EXTRA MONEY TO THE NEXT ONE ON YOUR PRIORITY LIST AND SO ON.
- 7. SET A MINIMUM PAYMENT • AFTER ADDING UP YOUR TOTAL DEBT, TAKE A LOOK AT THE MINIMUM MONTHLY PAYMENTS YOU NEED TO MAKE EACH MONTH. • THEN, DETERMINE IF YOU CAN AFFORD TO PAY MORE. FOR EXAMPLE, • IF YOUR MINIMUM MONTHLY COMMITMENT IS $200+$100 = $300. CAN YOU AFFORD TO PAY $350? • IF SO, THAT WOULD BE A GOOD START TOWARDS PAYING THESE LOANS DOWN QUICKER. • IF YOU ARE STRUGGLING TO MAKE EVEN THE $350 A MONTH, YOU MAY WANT TO CONSIDER A DEBT CONSOLIDATION PLAN (REFER TO NEXT SLIDE).
- 8. WHAT IS DEBT CONSOLIDATION PLAN? • THE COMBINING OF SEVERAL UNSECURED DEBTS INTO A SINGLE, NEW LOAN THAT IS MORE PREFERRED. • IT INVOLVES TAKING OUT A NEW LOAN TO PAY OFF A NUMBER OF OTHER DEBTS. • THE NEW LOAN MAY RESULT IN A LOWER INTEREST RATE, LOWER MONTHLY PAYMENT OR BOTH. • CONSUMERS CAN USE DEBT CONSOLIDATION AS A TOOL TO MAKE IT EASIER TO GET OUT OF STUDENT LOAN DEBT, CREDIT CARD DEBT AND OTHER TYPES OF DEBT THAT AREN’T TIED TO AN ASSET.
- 9. OUR TIP • SOMETIMES THE LOANS WITH THE HIGHEST INTEREST RATE COULD BE ONE OF A HUGE AMOUNT. • PAYING OFF THIS LOAN MIGHT TAKE A VERY LONG TIME AND YOU MIGHT GET DEMOTIVATED IN THE PROCESS. • SO PRIORITIZING LOANS WHICH HAVE A SMALLER AMOUNT, CAN ALLOW YOU TO REPAY A LOAN QUICKLY. • THE MORALE BOOST YOU WILL GET FROM SETTLING ONE LOAN OFF COMPLETELY CAN KEEP YOU GOING.