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How to Apply For Private Student Loans

Education has become a costly affair, but they say if you think education is expensive, then try ignorance. The private student loans or private education loans should be first considered before you plan using the retirement funds of your family to pay for college. They helps students finance for their education.


Private education loans

These loans are credit based, so your creditworthiness will be reviewed by your lender before the loan is granted. nmbvxzafdfd
Your rate of interest depends on various factors, like how you have managed credit in the past, what are the loan terms, and which option you have chosen.
You do get some options. Certain private loans offer various payment options that can reduce your rate of interest or/and the total overall loan cost. The following are some of the tips when looking for a loan.

Shop around

You should first learn about the various loans available so that you can find the one that meets your individual requirements best. You can begin by visiting the financial aid office of your college, which might have a list of lenders. Carefully go through the list and compare what different lenders are offering regarding interest rates, fees, and repayment options.

Go through the disclosures carefully

The fine print that you get while applying for a loan is known as the disclosure, and it will help you properly understand the terms and conditions of the loan. Using the disclosure, you can compare the different loans offered by different lenders.

Do not borrow more than is required

Certain lenders will require your school to approve your loan amount so that you do not end up borrowing more than is actually needed. This certainly is a great idea. You should borrow only for your tuition fees and related expenses, so that once you finish school, you can repay easily. Remember, a new smartphone, or mountain bike does not fall within the category – “related expenses”.

Try to find a cosigner

bnkpgffdfdIf you are not a graduate or a student with no credit history or steady income, then a cosigner can prove beneficial for you. Even if you do have a proper credit history, a cosigner can still increase your chances of getting approved, speed up the credit approval process, and help you enjoy lower interest rates.

Before you sign the form to accept your private student loan, remember, whether you successfully graduate from your school or no, you will need to pay back the loan. If you default on a student loan, it can affect your financial future largely. It may lower your credit score, and make it difficult for you to get a credit card, a mortgage, a car loan, or even a job.

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College Rankings

The ranking of institutions of higher learning in the United States is usually done annually. The ranking is done so as to help the students, guardians and parents to compare the academic quality offered in the different institutions.

The 2016 college rankings saw an improvement in various categories used.



The Princeton University emerged as the top in the National Universities category while the Williams College emerged top in the National Liberal Arts nbnbnbgfgfcollege list. The University of Berkeley – California emerged as the top public institution among the National Universities.

The United States Naval Academy entered the top 10 of the National Liberal Colleges Arts list for the first time in history. The number nine spot was taken by two institutions the Davidson College and the Claremont McKenna College.

The John Hopkins University had lost a place in the top 10 in the National Universities category for 16 years. The institution made a comeback to the top 10, having tied with the California Institute of Technology at position ten.

Criteria for the ranking

Different bodies use different ranking parameters to rank the best performing colleges. The United States New ranking system focuses purely on the academic excellence of the institution.

The ranking also emphasizes on the various outcomes and considers graduation and the retention rate. All the top schools had high six-year graduation rates. The retention rates among the freshmen were also high.

Freshman to graduation

The ranking took into account how well the learning institutions supported the students from the first year all the way to their graduation. For students to fit properly in the system, some factors were considered as well.

These factors were the majors, the campus size, the campus location, and the financial aid offerings. The procedure of compiling all these parameters are usually challenging. These rankings provide an excellent opportunity and platform to evaluate the education system in the United States.

The most innovative institutions

bnhgvzfghhThe most innovative schools list that featured institution that had made inventive improvements regarding technology, students, faculty, facilities, curriculum, and campus life.

The purpose of such rankings was to enable the students to broaden or narrow their search to the preferred or the specific needs. The other reason was to act as an eye opener and challenge the institutions to work harder to gain better ratings.

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Reasons Why the Cost of College Education is Rising

The cost of college education has been increasing over the past decades. It is not difficult for any person to analyze the past, present, and future of rising tuition costs. This creates the question, “why is the cost of college education increasing?” If you have a look at the tuition and fees from 1975 – 2016 you will notice that cost of education is on steady rise.

Many things have led to the constant increase in the cost of college education. There is no doubt that college education will be higher in the future than it is now. Here are some of the reasons why the cost of education has been increasing with each passing year;

Reasons why

1. Inflation

Inflation is the main reason why the cost of college education has increased significantly over the past few years. The cost of books and other supplies ghjjdfthat are needed in a college have forced the growth of money that students pay as tuition fees every year.

As long as the rate of inflation is increasing, the amount of money that students will be paying in the universities will always increase as well. Most things that colleges provide to their students are more expensive today than they used to be a few years ago.

2. Need to increase the earnings of college staff

The people working in universities demand an increase in salaries and allowances every year. This includes both the teaching and the non-teaching staff. Most of these people draw their salaries from the money that is paid by students.

Therefore, the only way that the colleges will be able to increase their wages and allowances is by asking parents to pay more for their children. Therefore, you should expect to pay more in the future as long as there is a need for the college employees to earn more.

3. Increasing cost of accommodation

bnjkpffdfdThe cost of housing for college students has been increasing over the years. This value increases the overall cost of college educations. The number of students going to college today is higher than the number of students that joined college ten years ago.

This has led to an increase in demand for accommodation facilities. Inflation also plays a role in the growth of the cost accommodation. When the cost of the things that students need while in the housing facilities increase, they will have to pay more to be accommodated.

Many other things have lead to the increase in the cost of college education. Considering the trends, you should expect to pay more in the future.

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What Does Tuition Fees Cover?

If you are going to college, you have apparently realized that you are going to pay a significant amount of money as tuition fees every year. This may make you wonder what the money that you pay as tuition fees cover. The stakeholders are required to look into the past, present, and future of rising education costs.

If you take a look at tuition and fees from 1975 – 2016, you will realize that the amount that students pay has been on the increase year after year. The trend indicates that you will have to pay more in the second and subsequent years in college. Tuition fees cover a lot of things. Here are some of the thing that are covered by tuition fees;

Basic facts

1. Lectures, seminar, and tutorials

The amount of contact that you are going to have with lecturers and tutor depends on the type of course that you have enrolled in. Some course such vbhjpgfdffdas engineering and medicine involve intensive all day teaching. When you take up such courses, you will naturally have more contact with lecturers and tutors.

The more contact that you have with these people, the higher the amount of money that you are going to pay tuition fees. A part of your tuition fees will also go into seminar and tutorials. All these things are meant to help you progress academically.

2. Access to the library

When in college, you will spend a lot of time studying in the library. There are many facilities in a university library other than books that will help you to study well.

A part of your tuition fees is used to ensure that these establishments are always available to you when you go to the library to study. You should be able to get all the facilities that should be in a library when you go to your college’s library. Your education will be swift when you can find everything that you need in the library.

3. Access to computer and college support services

fgabvgffgfgYou are likely to conduct research online most of the time and to submit your assignments through your college’s intranet. A part of the money that you pay as tuition fees helps to ensure that you have access to computers, the internet and other faculty support services.

Support service includes things like professional career guidance, finding suitable accommodation, etc. While in college, you should ensure that you are taking full advantage of the facilities available to you. Your college tuition fees many also cover the administrative paperwork that most students think is given for free.