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.)

Eight things super powerful women NEVER do

Eight things super powerful women NEVER do Everyone could benefit from a little more power and confidence in the workplace, but studies have shown that women in particular tend to be more hesitant about wielding the kinds of skills and behavior typically associated with leaders. If you’re looking for a way to boost your own presence at work and feel more in control of your career, here are some of the things that badass, powerful women never do. 1. They don’t downplay their achievementsMany women feel like talking openly about their achievements is arrogant or braggy. On the contrary, owning your success (and the steps you took to get there) is one of the most effective ways to advance your career. Being open about your success gives you concrete accomplishments you can point to in job interviews or raise negotiations.2. They don’t avoid confrontationOpenly disagreeing with someone (like a colleague or superior) may feel aggressive and out of line, but debate can be healthy- and someone else isn’t necessarily right simply because they’re saying it in public. If you disagree, or have a differing perspective, don’t be shy about saying so (in a professionally appropriate way, of course).3. They don’t trash others to get aheadWhat was true in high school is still true in the workplace: smack talkers always get caught up in the drama in the end. Spreading rumors or denigrating others just so you might look better is not a good look for anyone. And if others know or think you can’t be trusted, you can expect the same treatment from others. Power comes from succeeding- not from stepping on other people.4. They don’t let criticism derail themAt some point, everyone comes up against some harsh criticism, a bad review, or a professional rejection of some sort. That doesn’t have to define you or your career. Powerful people take the criticism for what it is, learn what they can, make adjustments, and move on.5. They don’t let abusive behavior go uncheckedWhether it’s something as serious as harassment or simply not standing up to inappropriate behavior at work, calling it out doesn’t make you a snitch or a weak-looking victim. If you see or experience behavior that makes you uncomfortable, it’s on you to decide how to best approach it- whether that’s reporting through a Human Resources process or voicing your discomfort with the person directly.6. They don’t internalize mistakes as personal failingsIf something goes wrong at work, it doesn’t necessarily mean that your personality or skills are defective. The power move is to acknowledge what happened (â€Å"This was a choice I made, and this is why it was wrong.†), correct the course, and move on. Work fails are not necessarily personal fails.7. They don’t fear failureFailing at something is demoralizing for everyone, no matter how confident you normally are. But truly powerful people have confidence in their skills and abilities, and understand that failure isn’t a game-ender. Instead, think of it as a game-changer. It’s a chance to regroup, rethink, and be better.8. They don’t let self-doubt run the showEveryone has self-doubt sometimes. Every. Single. Person. The trick is not letting that derail your progress by hesitating and overthinking what your next steps are. Sometimes you have to overrule your doubting brain and go with your instincts. You have skills and experience that are guiding you- don’t let that get pushed out by that little voice saying, â€Å"But what if I’m wrong/not talented enough/not prepared?†Confidence and power are within reach for all of us- all personalities, experience levels, and walks of life. At the root of all of it is knowing who you are, what you bring, and what you want to achieve. You know better than anyone what youâ €™re capable of achieving. Don’t be afraid to be bold!

Dividend Policy Essay Example | Topics and Well Written Essays - 1250 words

Dividend Policy - Essay Example Various analysts have examined that the dividend policy could highly affect shareholders’ wealth (Gul et al., 2012). The ability of a firm to distribute cash and increase the wealth of shareholders depends on the earnings capability of the firm and its capacity to raise fund from the external sources (Brealey, 2012). There are two ways of raising funds which are debt and equity (Kelly, 2012). Debts are the instrument where the holder gets a fixed payment along with interest (Denis and McKeon, 2012). On the other hand, the equity holders are the owner of the company to the extent of their holding (Hillier et al., 2011). However, as per the Modigiliani and Miller (M&M) model, the dividend policy of an organization has negligible or no effect on the shareholder’s wealth because the firm value is independent of its dividend policy. Moreover, in the accounting process, the dividend paid or received is calculated in cash flow which is very important for calculating the enterp rise value through discounted cash flow method (Brooks and Mukherjee, 2013). Policy Structure of Tesco PlcTesco Plc is one of the largest retailers globally. It is a British multinational, founded in 1919 and is headquartered in England. The payment of dividend has been consistent for 5 years. Nevertheless, in recent days, the wealth of shareholders has been weak as the profit generation of Tesco has been low, but it recovered in 2013-14 as the dividend paid is  £1,193m in comparison to  £1,186m in 2012-13.

Life in Prison Essay Example | Topics and Well Written Essays - 500 words

Life in Prison - Essay Example The text provided me with a comprehensive view of this subject. b. There are different strategies being used by "Anonymous N. Inmate" and the other inmates in their adjustment to the prison system. Some attempt to become more involved in prison lives in a good way, occupying themselves with programs and activities that pass the time, like reading, drawing, getting a job, educating themselves, participating in religious activities and other activities. These are used as ways to escape the difficult reality of living within the prison compound. Others choose do behave differently; engaging in the economy of illegal goods and services, prison politics, joining a gang, etc. Both methods are, in a way, forms of escapism of the reality and keeping one engaged and busy. Another adaptation to life in prison is that which involves sex in prison. While some prisoners opt to only masturbate, others begin having sex with other men, while picturing women. The dire lack of any women and the possibility to have sex with someone of your own choice leads them to doing this. This is clearly an adaptation difficult to make, but statistics show that between 12 and up to 65 percent of prisoners do this. c. The inmates need for respect, hope and safety contributes to the correctional policy to a great extent. By knowing what the prisoner needs and aspires to, the correctional system can adapt its methods of conduct, its strategies of operation, its rewards and punishments to these needs of the prisoners. For example, prisoners who exhibit a good behavior could be granted with special freedoms or privileges, something which will enhance their sense of being respected and valued. These prisoners could be commended on their good behavior, encouraging them to keep it up. In the same way, while of course keeping a humane and reasonable approach, prisoners who misbehave should be discouraged from continuing this form of conduct. d. The facility in

Battle of Jutland Essays -- essays research papers fc

The Battle of Jutland   Ã‚  Ã‚  Ã‚  Ã‚  Considered by most to be the greatest naval fleet battle during World War I, the Battle of Jutland was the largest and last full-blown conflict between massive fleets consisting of battle cruisers, dreadnoughts, and destroyers. Despite the fact that Jutland changed nothing strategically within the war, it is still known as being one of the most significant battles in naval history. But this battle was also one that ended with many questions and controversies that have been written about and discussed throughout the years following, even to present day.   Ã‚  Ã‚  Ã‚  Ã‚  Jutland commenced on May 31, 1916, after the commander of the German High Seas Fleet, Reinhard Scheer, made plans to maneuver towards the British coast, unaware that the British were able to read their coded messages and were fully prepared for Scheer’s plan. Admiral Sir John Jellicoe was in full command of the British Grand Fleet, which had been divided into three groups: the main body led by Jellicoe, six battle cruisers led by Admiral David Beatty, and four dreadnoughts under Admiral Hugh Evan-Thomas. The Grand Fleet departed two and a half hours before the Germans set off in order to rendezvous about 50 miles from Jutland in the North Sea.   Ã‚  Ã‚  Ã‚  Ã‚  During the first German encounter, Beatty and his battle cruisers chased a small, weak group of the German Fleet, which was led by Admiral Franz von Hipper, south towards the main High Seas Fleet. After being fired upon, Beatty made an 1800 turn northward in order to now lure the Germans toward Jellicoe and the main body. Next occurred what Louis D. Rubin Jr., who wrote the article â€Å"The Continuing Argument over Jutland† in 2001, described as one of â€Å"the most controversial episodes of a battle studded with controversial episodes.† Evan-Thomas and his dreadnoughts, which had been headed south following Beatty, failed to turn all at once and follow the battle cruisers northward. Although he apparently had not received the signal to do so until three minutes after they had passed, Rubin explains that Evan-Thomas should have, on his own intuition and initiative, proceeded to fall behind Beatty’s battle cruisers. Further stipulation was made as to whether or not this turn should have been made simultaneously or one ship after another. But to counter Rubin’s opinion... ...urces to prove his theory that blaming the battle cruisers’ designers was too simplistic of an explanation. In conclusion, this was a fascinating battle that may have left many unanswered questions and theories, but it will forever be known as the greatest naval battle in World War history. Works Cited Primary Source: Horne, Charles F. â€Å"Memoirs & Diaries: The Battle of Jutland by an anonymous British sub-Lieutenant.† Source Records of the Great War, Vol. 4, 1923. Secondary Sources: Bennett, Geoff. The Battle of Jutland. Wordsworth Military Library, 1999. Gordon, Andrew. The Rules of the Game. John Murray Pub., 1996. Hough, Richard. The Great War at Sea. Oxford University Press, 1984. Lambert, Nicholas. â€Å"‘Our Bloody Ships’ or ‘Our Bloody System’? Jutland and the Loss of the Battle Cruisers, 1916.† The Journal of Military History. Lexington: Jan. 1998. Vol. 62, Iss.1; p.29. Ranft, B. McL., ed. â€Å"31 May 1916: Beatty’s Official Report on the Battle of Jutland.† The Beatty Papers, Vol. 1, p. 323. Navy Records Society, 1989. Rubin, Louis D. Jr. â€Å"The Continuing Argument over Jutland.† The Virginia Quarterly Review. Charlottesville: Autumn 2001. Vol. 77, Iss. 4; p.583.

Jails and Prisons Essay

Jails and prisons are corrective institutions which are meant to curb criminal activities in the society. They are also meant to punish the offenders. Prisons execute imprisonment which involves legal penalties. Jails and prisons should basically be aimed at punishing and rehabilitating the offender so as he/she will not repeat the crime which he/she was convicted of. The federal spending on correctional activities has also been gradually increasing. In the recent past federal government has been enhancing its efforts to improve jails and prisons conditions as a sign of recognizing some human rights entitled to criminals. Nowadays, those serving imprisonment sentences can access various facilities. These include religious services, education facilities, and recreational facilities in the exercise yard. The prisoners’ health is also well taken care of. Prisoners are also trained and imparted with some skills which may be helpful in their future life. In our contemporary prisons, prisoners are provided with entertainment facilities such as pool tables and TV. (Cavadino & Dignan 2006) USA jails and prisons are both meant to rehabilitate and punish the offenders. Rehabilitation is an effective method of ensuring no re-offence so as to reduce the number of prisoners’ population. This program seeks to address the casual links to offending, and employ cognitive behavioral approach towards modifying the prisoners’ behaviors. Counselors are used to ensure success of such programs. Those involved in use of prohibited substances and a number of civil crimes are usually rehabilitated. On the other hand, some criminal activities necessitate punishments such as fines, strokes and capital punishment. Capital punishment is applied to serious criminal activities such as terrorism, espionage, treason or mass destruction. (McGuire 2002; Cavadino & Dignan 2006)

The Ice Hotel And The Travelodge - 1871 Words

Introduction For a long time researchers are trying to find the perfect recipe for success, however it is very hard to predict the response of the market to a new product and its adaptation to the environment. The Ice Hotel and the Travelodge are two ventures established in the end of 20th century both in the travel and hospitality sector but each one with its own unique business strategy. In evaluation of their success the decisions made throughout the development of the above mentioned ventures can be categorized as effectual and causal, as explained by Sarasvathy (2010). G.Sanvikarja suggests that causational logic is more rational and based on prediction where as the effectual strategy is more creative and is control orientated. Each of these approaches implies different strategies and reasoning behind both individual decisions and responsiveness to the environment. Furthermore, most enterprises follow a set of common principles that are key for building a business strategy including definin g means, setting affordable loss, leveraging contingencies and forming partnerships (S. et. al, 2010). These four aspects are crucial for understanding how is a business created and what is its approach. However, it should be noted that most of the businesses are not strictly effectual or causal, rather a mixture of both with a tilt towards one. Every business is individual and should be treated like one. This paper will examine the business strategies behind the Ice Hotel and theShow MoreRelatedHotel and Marketing Mix Essay4642 Words   |  19 PagesReferences 1. Description of my organisation Travelodge is budget hotel brand that was launch on the UK in 1985 and currently operates more than 450 hotels in Ireland, Spain and the UK. The company is growing very fast and is planning to operate more than 70,000 rooms, approximately over 1000 hotels by 2020 and be the biggest hotels operator in London by the 2012 Olympics. Around eight million people stay with Travelodge every year, booking the rooms online at the company’s webpageRead MoreAnber Inn and Suites6446 Words   |  26 Pageswith Catherine Grace, Vice-President of Advertising. The impromptu meeting followed a day-long senior vice president conference with Joseph James, the company’s new president and chief executive officer. Mr. James, a seasoned hotel financial executive with 40 years of hotel management experience, was appointed the previous week following the sudden resignation of his predecessor. The charge given each of the company’s four senior vice-presidents was to prepare a one-hour presentation that describedRead MoreExploring Corporate Strategy - Case164366 Words   |  658 Pagesdecrease on the revenues side added to the pressure on cash. Additionally, the tour operators appeared to be the most exposed to the economic downturn because they were handicapped by a high level of ï ¬ xed assets and less able t o manage their airline and hotel capacities.2 In April 2003, TUI also set up TUI China for Chinese tourists visiting Germany. One year later, in April 2004, TUI opened its ï ¬ rst low-cost travel agency in Hamburg, Germany, with Touristik Express to sell low-cost holidays. There wereRead MoreManagement Course: Mba−10 General Management215330 Words   |  862 PagesFord’s managers now? Be the Manager How to Manage a Hotel Y ou have been called in to advise the owners of an exclusive new luxury hotel. For the venture to succeed, hotel employees must focus on providing customers with the highest-quality customer service possible. The challenge is to devise a way of organizing and controlling employees that will promote high-quality service, that will encourage employees to be committed to the hotel, and that will reduce the level of employee turnover