pas?sion
Hello Future
Rockstars!
Hope you are
doing well.
Do you
remember when I talked about “PASSION”? Do you know what that means?
Here is the
definition of “passion” in dictionary.com:
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-noun
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powerful or compelling emotion or feeling, as love or
hate.
What is my
point?
I’m trying to
stress to you how important it is to find what your skills, values, and
interests are. These 3 things trigger passion.
All of you
could do anything you want in life. Your first step to success is getting an
education. That is what you are working on NOW.
As you are
planning to go to college, you need to know what careers are out there based on
your passion, then you need to find the majors that are suitable for those
careers, and last, find which colleges offer that major. This approach will help
you get to your career goals efficiently and become successful in your future
endeavors.
I want
everyone to watch this quick YouTube video. It’s a great example of what I’m
talking about.
Remember, we
are here to help you out.
I hope you
enjoy it.
CCPS
Experts, Inc.
Affordable”
office
fax
FAQ of the week
Happy Monday! I wish you all have an amazing week! I wanted to start off this week with a little Financial Aid "Vocabulary" lesson.
Question: What is the difference between a scholarship and a grant?
Answer: In the language of admission and financial aid offers, a scholarship and a grant are basically the same thing. Each is considered "gift aid" which means they do not need to be paid back.
However, this doesn't mean there aren't some "strings" attached.
Many scholarships and grants require the recipient to focus study in a particular major. Others have a grade average requirement to keep the scholarship or grant over the college experience. Students need to make certain they know the conditions under which they accept and can maintain gift aid.
Don't forget to check out my website for the few upcoming workshops I am having before the end of the year.
www.collegeplanningexperts.com
Best regards,
Brian
How Does the Economies’ Credit Issue Affect Your Student loans??
Hey friends! Here is a really cool article about student loans that I thought you guys would enjoy.
Have an AMAZING day!!!!
-Brian
The Credit Crunch and Student Loans
By Gary Carpenter, CPA, CCPS
With the recent financial crisis we have been going through, the number one question I hear from college families is “will we be able to get a student loan?”
Let’s take a minute and look at how this credit crunch is affecting student loans.
Federal student loans (Stafford, Perkins and PLUS) are just that, federal loans. If the college is using the William D. Ford Direct Loan Program, the source of those funds is the U.S. Government. If the college is using the Federal Family Education Loan (FFEL) Program, the source of those funds is commercial entities. In this case there are fewer FFEL lenders out there, but this is not the family’s problem. The college selects the program they want to use and, if they use the FFEL Program, they should have lenders that will work with their families to fund these loans.
But let’s take the worst case scenario – the college can’t find an FFEL lender. The school still has the option to go to the U.S. Department of Education and request that they fall under the “Lender of Last Resort” Program whereby the Department funds all the federal loans for the school. This option is rarely used, but it is one that the college can pursue.
The real problems in the student loan business are in the private educational loans. These loans are credit based loans, which are probably going to require a co-signor and are not guaranteed by the federal government. In today’s credit crunch, if lenders stop lending for homes, cars and businesses, they will also slow their lending for student loans and their credit requirements will be more stringent.
If a family has average credit, it will not have a problem obtaining federal loans, but will probably have a problem qualifying for private student loans.
“Your College Planning Power Hour” Radio Show starts today from 2pm-3pm on KHTS – AM1220
Attention Parents and Students,
I am delighted to announce my first radio show called, “Your College Planning Power Hour” will start today from 2pm-3pm on KHTS – AM1220.
Each week, I will be discussing topics on college admissions, college applications, college selection, career planning, selecting the right majors, finding the best schools in the nation, financial aid planning, college tax scholarships, merit/athletic scholarships, state grants, institutional grants, and much more. The radio show is designed so that you can save thousands of dollars on college. The radio show is for anyone who is planning on attending a community college, 4 year University, and Post Graduate School.
The radio show will be on KHTS- AM1220, every Tuesday from 2pm-3pm. If you cannot tune in on the radio, you can listen to the show as a podcast on www.hometownstation.com or www.collegeplanningexperts.com . Keep in mind, the podcast takes hours before it gets uploaded. It will not be available “live”.
Please call in and give us your feedback. You can call in while I’m live on the air to ask any questions. Please support the radio show as it will be the biggest and most popular show on KHTS.
Please let all your friends, families, and business associates know about the show.
Thank you for your support!
Brian's "TIP OF THE DAY"
On Campus vs. Off Campus Living
When deciding whether to live on campus, funding from scholarships and student loans are key. Many scholarships and loans can be applied to on-campus housing because the money is directed straight to the school; in many cases, students may not be able to use it to pay off-campus rent.
Further, students with 529 plans or other college savings plans may find that plan rules limit them to living on campus. In general, there is a limit to the amount of money you can deploy from the 529 plan to pay for off-campus housing before it becomes subject to taxes. Depending on the plan in question, a student may have enough money to live off campus comfortably, but not be able to actually use the money for that purpose without incurring significant penalties.
