Archive for Business
10 Pointers on College Loan Consolidation
Posted by: | CommentsShould I consolidate my college loans or not?
1. Still in school, yes! Rates are low, but they’re scheduled to go up. Your college loan payments, student loan consolidation
, will then remain as manageable as possible when you leave school. If you have graduated, or will be graduating this May or June, yes! Graduates can lock in historical low rates, and reduce their monthly payments more than half. You can lock in a rate even while still in school, and even if you have been out of school for a couple of years can get a good deal, too.
2. The newest twist in the consolidation puzzle is the “in school consolidation”, affecting students who are currently enrolled and will be enrolled past the July 1 consolidation. You can consolidate your existing college loans now to secure the low rates for at least part of their student loan portfolio.
3. Consolidating could save thousands of dollars in interest payments on college loans. There are impending student loan rate changes and new interpretation of regulations by the Department of Education, also, Congress is considering ending the fixed-rate program. Experts are urging students to consolidate to relieve themselves of a higher debt load.
4. Many students and, student loan consolidation
, families are looking for a simple, clear, student loan consolidation
, answer about whether to consolidate college loans or not. The simple answer is to take some of the bite out of the debt by loan consolidation. You could live like a miser and save as much money as possible or consolidate your federal student loans now.
5. For students still in school, you have, student loan consolidation
, an opportunity to choose consolidation. Consolidating would put a college loan borrower into repayment status, but the student can defer payments until after graduation by making a deferment request. Consolidating, student loan consolidation
, today can have payments put off until graduation.
6. The federal loan program allows consolidation, which is when a borrower pools his student debts together so that only one monthly payment is necessary, rather than several. It’s not just the convenience of one payment that is making consolidation so, student loan consolidation
, compelling. The most significant aspect of the program is that it allows a person to permanently lock in a lower interest, student loan consolidation
, rate on loans. These loans are backed by, or granted directly by, the federal government.
7. Rates for, student loan consolidation
, federal Stafford loans, the most prevalent, student loan consolidation
, type of student loan, as well as some other types, student loan consolidation
, of federal student loans are set annually based on the rate of 91-day U.S. Treasury bills at the end of May. The exact rate won’t be known until the end of the month, but experts say it will be about, student loan consolidation
, 2 percentage points higher. (Private loans and federal loans cannot be consolidated together.)
8. For the first time, the U.S. Department of Education will allow students still in school to consolidate federally backed loans. Federal PLUS loans can also be consolidated. PLUS loans are used to help pay the cost higher education.
9. Students, regardless of enrollment, should absolutely consolidate their college loans, arranged through the student’s lender. There are no fees, no credit checks, and interest rates are expected to move higher. Those are good reasons, student loan consolidation
, to consolidate.
10. Act quickly to put lock on current federal-aid interest rates. Graduates should act now to insulate themselves from a drastic rate change. Apply early. Do not wait until the last minute to file paperwork. Those who have already graduated or left school should not wait to investigate consolidation. In the first six months after graduation, you are in a grace period. Within that six-month window, you can lock in a low rate on Stafford loans and spread the repayment over as long as 30 years.
If you’re going to consolidate, now is the best time to do it.
Georgio Heberto
articleage.com
How To Obtain An Educational Loan For Nursing School
Posted by: | CommentsIn many cases, when you decide to go to nursing school, one of the first things you will need to take care of is applying for an educational loan. Whether you are enrolling in a Licensed Practical Nurse (LPN), Registered Nurse (RN), or Bachelor of Science in Nursing (BSN) program, the first step in seeking to borrow money for nursing school, is to complete the Free Application for Federal Student Aid (FAFSA) form.
Filing the Free Application for Federal Student Aid
The only way you can be considered for federal educational loan programs for nursing school is to complete the FAFSA. It is not possible to be certain of how much aid you are eligible to receive until you submit this document.
The FAFSA should be completed as early as possible after January, student Federal loan
, 1st in the calendar year that you plan to begin school. The most expedient way to complete your FAFSA is via the Internet, student Federal loan
, . Paper FAFSA forms are available, but are not recommended because it takes significantly longer to receive approval than completing this necessary documentation online.
To complete your FAFSA, you will need either your income taxes or your W-2 forms. If you work as independent contractor, you will need to provide copies of your 1099 income statements. It is recommended that you fill out your college financial aid applications immediately upon receipt of the, student Federal loan
, income verification documentation.
If you meet the government definition of a dependent student, you will need income verification documentation for your parents as well as for yourself. In most cases, all unmarried students under the age of 24 are considered to be dependent students for financial aid purposes.
If you are considered an independent student and you are single, you will only need details about your income. If you are married, you will be required to submit information about your own earnings and those of your spouse.
After Filing the FAFSA
Once you complete your, student Federal loan
, FAFSA form, your financial status and family situation will be evaluated for the purpose of determining how much financial aid you are qualified to receive and through which specific programs. When your FAFSA is processed, the information you submit will be used to calculate what is referred to as your “estimated family contribution” (EFC). The EFC is based on a variety of factors, including size of family, the number and ages of dependents, household income, and other relevant factors.
It is important to remember that EFC has nothing to do with how much your family is willing to contribute for you to go to school. The number is based on a statistical computation believed to accurately estimate the amount an individual, or the person’s family, should be expected to contribute toward educational expenses for the current academic year.
Once your FAFSA has been processed and your EFC determined, copies of the report documenting your financial aid eligibility will be sent to the nursing schools that you designated as recipients when you filled out the form. When your financial aid eligibility details reach the schools you are considering attending, a financial aid professional will use the information to create an award, student Federal loan
, letter for you, student Federal loan
, . The letter will indicate exactly how much money you are eligible to borrow, and through which, student Federal loan
, programs.
Educational Loan Eligibility
There are several educational loan and grant programs that can be used to help fund the expenses associated with attending nursing school. General qualification requirements for federal, student Federal loan
, financial aid include: legal U.S. citizenship or permanent residency status, selective service compliance, no drug convictions, student Federal loan
, that eliminate eligibility, no record, student Federal loan
, of prior student loan default, and other factors.
Everyone who meets general requirements for federal financial aid is likely to qualify for some type of educational loan program to attend an accredited nursing program. The EFC has an impact on which programs, student Federal loan
, a person may elect to participate in. Those with the lowest EFC often qualify for Pell grants and Supplemental Educational Opportunity, student Federal loan
, Grants (SEOG), which do not have to be repaid.
The least expensive federal loan program, the subsidized Stafford student loan, is a need based loan program. The higher an individual’s EFC, the less likely he or she will be to qualify for this particular loan program. Unsubsidized Stafford loans, however, are not need based. Regardless of EFC, individuals who are eligible to participate in federal financial aid programs will be able to receive unsubsidized educational loans for nursing school.
Avoid Procrastination
The worst thing you can do when preparing to attend, student Federal, student Federal loan
, loan
, nursing school is to put, student Federal loan
, off applying for financial aid. Funds are available on a first come, first served basis. The last thing you want to have to face is finding out that you missed out on grant or subsidized loan funding for nursing school simply because you waited to long to fill out a simple online application form.
Ti Grant Eckert
articledashboard.com
What Students and Parents MUST Know about Student Loans
Posted by: | CommentsA student loan helps you get through college. Then you
come out into a high-paying career. It’s a great
investment in your (or your sons/daughters) future.
Student loans generally give you a good deal. You get
below-market interest rates, and you get a $2500 federal
tax credit on interest paid over any period of time
(previously, student Federal loan
, first 60 months only)
It doesn’t matter if the student, or parent takes out the
loan; tax deduction remains the same.
* Did you know the federal government has a $50 billion
student loan program ?
Not surprisingly, the federal government provides the
largest percentage of student loans. Other student loans
may come direct from colleges,, student Federal loan
, private lenders or state
governments.
One of the key advantages to a federal, student Federal loan
, guaranteed loan is
exactly that – it’s guaranteed. That means you don’t need
collateral. It also means the terms are kinder than a
typical lender might offer. Of course, your educational
program has to be approved by the government.
Types of student loans
* Federal Stafford Loan – for undergraduate or graduate
students
A popular and cost-effective source of a student loan.
Stafford loans provide low-interest, government guaranteed
funds.
Stafford Loans come in two types, subsidized or
unsubsidized. Whether or not you’re eligible for
subsidized depends on household income. The school ought to
advise, student Federal loan
, on this.
For subsidized,, student Federal loan
, the government covers the interest right up
to start of repayment i.e. they pay interest incurred
during the course, in deferment and during the grace period
before repayment begins. If you qualify for subsidized,
it’s, student Federal loan
, a great deal
For unsubsidized, the student must pay all interest
incurred at all times, though they don’t start repaying
until after grace period.
* Federal PLUS Loan – for parents of undergraduates
Parent Loan for Undergraduate Students (PLUS) allows
parents to take a loan on their Childs behalf. They can
contribute to their Childs future, and get a great low-
interest loan with continuing future tax relief.
PLUS actually allows parents to, student Federal loan
, borrow the total cost of
their child’s education, minus any grants, student Federal loan
, or other
financial aid awarded. All tuition fees, meals, books,
transport etc. can be included, student Federal loan
,, student Federal loan
, in the loan.
This really is a great deal, and has no income or asset
requirements. Even poor credit history may be overcome.
Repayment is flexible, and can include zero payments for up
to 4 years.
Only one drawback to the Federal Stafford and Federal Plus
loan – your school must be approved to participate in these
programs. If your school isn’t approved, then you’ve got
some other options…
* Banks
Many banks offer unsubsidized Stafford loans. You still
get the money, which you must, student Federal loan
, have to attend college, but
repayment options are more limited. Some deals offer you
an interest rate reduction if you make payments on time.
* State Loans
Most states offer guaranteed student loans. Apply direct
to Banks, who’ll administer the State program. It’s
usually a more expensive way to borrow than Stafford.
* College Board Extra Credit Loan
Administered by your college., student Federal loan
, Can be expensive, and best
used only in an emergency e.g. your aid is withdrawn.
* Other Loan Sources
A number of other sources may be worth trying if you get a
problem with your first choice lenders. Academic
Management, student Federal loan
, Services affiliates with approx. 2000 schools.
AMS pay your tuition fees if you repay them in less than a
year. College Resource Center also has loans available.
If your parent served in the military, then a military loan
should be investigated.
College can be the experience of a lifetime. A child
starts college as a high school kid, and emerges a full
grown adult with high-earning potential
But he or she needs money to survive and thrive in college.
This article looked at the main sources of student loan
funding, and those sources should be ideal for most
students and their parents.
===========================================================
The right Student Loan makes all the difference to a
successful college career. Discover important information
on choosing the right student, student Federal loan
, loan, and guaranteeing your
future success. Click
==> http://www.college–loans.com/
** Attn Ezine editors / Site Owners **
Feel free to reprint this article in its entirety in your
ezine or on your site so long as you leave all links in
place, do not modify the content and include my resource
box as listed above.
If you do use the article please send me a note to
john@college–loans.com so I can take a look. Thanks.
ฉ DigiLectual Inc. 2004
John Williams graduated from college, after taking a student loan to finance his studies.
John Williams
articleage.com
Student Loan Controversy Heats Up
Posted by: | CommentsThe Student Loan Sunshine Act is the latest response by the House of Representatives over the recent student loan controversy brought to light through a recent nationwide investigation by New York Attorney General Andrew M. Cuomo. The act requires lenders to disclose all financial kickbacks and deals made with educational institutions and prohibits certain types of gifts and incentives deemed “questionable”.
While some analysts, student Federal loan
, claim that the bill will have minimal effectiveness because it fails to address the government subsidies, student Federal loan
, that make student loans popular with lenders, there is little that can be done to curb subsidization without risking the availability of student funding.
Student loans are a risky proposition, and one that fails to generate revenue for lenders up to year post graduation. Critics of the current system claim that the absence of subsidies will force lenders to become more competitive and educational institutions to eliminate, student Federal loan
, preferred lender status. Unfortunately, without subsidization, there is little if any incentive for lenders to offer student loans.
Almost any loan, be it business or personal, garners far better interest rates, produces interest income immediately and aside from mortgages, yields full repayment within a shorter timeframe than a student loan. Additionally, those applying for loans often have the financial security in the form of a steady income as well as collateral to back the loan. Many students, especially those just starting college, not only are not, student Federal loan
, employed or employed at a job that only affords living expenses, but have no intention of, student Federal loan
, pursuing employment for the duration of, student Federal loan
, the pursuit of their degree.
The benefits of an educated society are many, yet most students wouldn’t be able to attend college without the ability to finance it through student loans. While a large percentage of students rely on federal Stafford loans, many are ineligible for federal lending, especially graduate students.
Privatization is only effective when there is market demand on both sides of the equation. Less involvement by the, student Federal loan
, government may sound positive, but in this case, it’s a matter of demand versus subsidized supply, not actual supply. Without subsidization, many lenders would avoid offering student loans altogether. Those who would continue would be forced to charge interest rates that are commensurate with the necessary terms of the loan.
Shay Rosen
articledashboard.com
Federal Loans – What the Government Does to Help You Pay for
Posted by: | CommentsFederal Loans – What the Government Does to Help You Pay for School
Going to college in America these days is not something for those with weak pocketbooks, as money is of the essence when attending any college or university within the country. Though it is well worth it for anyone to attend college, most people cannot afford to pay for college directly out of their pocket. This is why the federal government offers different, student Federal loan
, types of loans to help you to pay for school. Between Federal Stafford Loans and Federal PLUS Loans, you should be able to receive money for college and receive the quality education that you are seeking.
Federal Stafford Loans
A Federal Stafford Loan from the government is one of the most affordable options for a potential college student looking to find money to pay his/her way through higher education. Interest rates on these, student Federal loan
, loans are often, student Federal loan
, much lower than other options, as the current all-time low of just under, student Federal loan
, 4% is very, very low. While these loans are usually fairly large, no credit check is required to receive a Federal Stafford Loan and no collateral must be put up. However, the best part of all may be that Federal Stafford Loans do not have to be paid back until after you graduate! That means one less stressor during your college years.
Federal PLUS Loans
Aside from a Federal Stafford Loan, students may also choose to bring their parents into the equation, student Federal loan
, with a Federal PLUS Loan, which allows parents of students, student Federal loan
, to borrow federal, student Federal loan
, funds and, student Federal loan
, pay college tuition. In this case, a credit check is required, but PLUS Loans allow parents to supplement any amount of money that is needed for college after other forms of financial aid are allocated to the student. Either through the use of Stafford Loans or PLUS Loans, students can use the federal government to pay off their college tuition. Though these Loans must be paid back, this is a great way to pay for college without actually having to work, in addition to your studies, while you are in college.
This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Federal Loans at http://www.NextStudent.com .
Vanessa McHooley
articleage.com
Debt Consolidation — Consolidate Your Student Loans Now!
Posted by: | CommentsThe Federal student loan program has benefited thousands of college students in the forty years since it was introduced. Interest, student, student loan
, loan
, rates for the program have historically been quite competitive, and the program has allowed many people to acquire a college education who otherwise might not have been able to afford one.
At the moment, interest rates on Federal student loans are the lowest in history, but that is about to change. On July 1, 2005, the interest rates on Federal student loans will rise, due to an increase in the price of Treasury, bills, to which the interest rates on student loans are tied.
While an increase, student loan
, in interest rates is seldom viewed as a good thing, knowing about it ahead of can be helpful. Between now and June 30, new graduates or those who have been repaying existing loans can consolidate, student loan
, their, student loan
, student loans at current rates. The rates currently vary, with fixed rates being slightly higher than adjustable rates. Those considering consolidation might wish to convert their loan to a fixed rate. Depending on the amount of the loan, borrowers may extend their, student loan
, loan terms to as long as 30 years.
There is also legislation pending in Congress that would change the Federal loan system so that all future loans are adjustable rate, with no fixed rate option. This will save the government money by not allowing students to lock in long-term loans at low rates during times of increasing interest rates. Students who wish to obtain a fixed rate loan may not have much longer to do so,, student loan
, student loan
, .
Rates will vary slightly from lender to lender, and the market for loan consolidation is quite competitive. Those wishing to consolidate their loans,, student loan
, student loan
, should consider shopping around for the best deal while time permits.
Copyright ฉ 2005 Retro Marketing
About Charles: Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including http://www.End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and http://www.HomeEquityHelp.net, a site devoted to information regarding home equity loans.
Charles Essmeier
articleage.com
Student Loan and Student Loans
Posted by: | CommentsA student loan is, student loan
, a loan that is granted, student loan
, to a college student enrolled in courses full or part time for at least one semester or quarter and who have declared a major with the intent of pursuing a degree of higher education. Student loans can be granted through various lenders with a governmental guarantee, or can be granted from private lenders with no guarantee. Some student loans do not require a parent’s signature, while others do. The government guaranteed student loan is classified by two types, subsidized and unsubsidized.
The subsidized student loans have a yearly limit and allow for the government to pay the interest on the loan while the student is in school. The unsubsidized student loan allows for a higher yearly limit, but the student must pay the interest while in school, or the accrued interest will be added onto the balance of the loan and is the responsibility of the student during repayment. A student loan can be deferred while the student is in school half time indefinitely. Private student loans usually, student loan
, have a set period of deferment, 2-5 years, and then the student must begin repayment, student loan
, regardless of whether or not they have completed their education.
Currently, student loans have the best interest rates in town. As the interest rate index, student loan
, rises, so will the student loan rate. During low rate times, many scramble to consolidate their student loans. This saves a tremendous amount of interest in the long run, since a student loan repayment plan can extend over 25 years depending, student loan
, on the loan balance. Those students with an extremely low student loan balance ($5,000 or less) usually only have, student loan
, the typical 5 or 10 year repayment option. A student, student loan
, loan is eligible to be used for tuition, books, on campus housing and childcare expenses. Some student loans allow for the purchase of an automobile to get to and from school, or other pertinent school materials such as a computer or to pay off other student loan, student loan
, debt.
Many students today are counting on student loans for their education. What they are not realizing when they sign the student loan promissory note is the debt they are incurring for a very long time after their schooling has been completed. The average student loan balance is upwards of $50,000 for a four year degree. Add to that professional education costs, and some students will have over $150,000 in student loan debt. While,, student loan
, student loan
, the investment of an education is always a wise idea because, student loan
, investing in one’s mind will never diminish in value, the, student loan
, costs associated with this investment and the income expected to earn should be carefully evaluated. Some careers do not warrant a high enough salary to repay the loans. Grants and, student loan
, scholarships should always be considered as alternatives to obtaining student loan debt.
For more information about student loan and student loans, visit:
http://loans.christianet.com
http://loans.christianet.com/articles.htm
http://www.christianet.com
Christian
articleage.com
Student Loan: Do Not Postpone Your Education
Posted by: | CommentsStudent, student Federal loan
, Loan: Do Not Postpone Your Education
It is not easy to become a professional in America. Unless you are independently wealthy or qualify for a scholarship, financing your higher education may seem almost impossible. That is the impression most people get when they find out how expensive tuition, student Federal loan
, and boarding fees are. Still there exist a variety of low interest student loans that are offered for those interested in, student Federal loan
, qualifying for them. They represent a practical way for students at college to postpone payment until they are graduated by borrowing money at a low interest rate.
The first thing you have to do when you are interested in applying for one of these loans is to fill out the Federal Application for Student Financial Aid, which is a financial support application form. If you are selected to a college or university after doing this, you will be given complete information of the type of financial support you are about to receive. The aid agency will be asking you about your own and your parents financial, student Federal loan
, situation in order to evaluate your necessity and your capacity to pay the loan back, student Federal loan
, . Besides these type of loans offered by private agencies, there are several government-based scholarships such as the Pell Grant. By obtaining one of these grants, low-income students will be given money with no necessity of paying it back in the future. Unfortunately these grants will not cover the totality of all your educational expenses, and you will probably require student loans to finance the rest.
So even if the financial aid you obtain does not provide for the total expenses, you will always have the chance, student Federal loan
, of getting student loans that will allow you to graduate. The types of student loans vary and they are accessible to traditional and non-conventional students. The educational institution, the bank or the U.S Department of Education can finance Federal education loans such as Perkins and Stafford Loans. Since the Government does not support private education loans
Estito Eravol
articleage.com
Information On Private Student Loans
Posted by: | CommentsGetting an apprenticeship afterwards top academy is acceptable, college loan,, college loan, added and added expensive. But it is aswell acceptable added and added of a call to get a acceptable job that pays able-bodied and has able benefits. For this, a lot of adolescent humans charge to appear academy or some added blazon of added training. A lot of of them can’t allow to pay for their apprenticeship by themselves and end up searching for banking advice of some kind.
Student loans are a accepted choice, but federal apprentice loans are based on banking need, and some acceptance do not fit into those guidelines. An another best for these acceptance or their parents is a clandestine apprentice loan. These are loans done through clandestine lenders instead of the government, college loan, . The advantage of these types of absolute apprentice loans is that they accept abounding of the aforementioned kinds of allowances as federal loans.
These loans can be acclimated for any and all academy expenses. Things like tuition, books, supplies, computers, and active costs are all things that authorize for clandestine apprentice accommodation funds. These loans are unsecured, acceptation that no accessory is needed. The loans are credit-based instead. This can beggarly that the apprentice ability charge, college loan, a co-signer if they accept not accustomed a acclaim history, or their parents can administer for the accommodation instead.
A clandestine apprenticeship accommodation is usually a low-interest loan. Borrowers can boutique about to acquisition the best rate. There are about, college loan, no appliance fees to administer for this blazon of accommodation and there are aswell no deadlines for applying. The money can be delivered in as little as 5 days, and the money is accustomed to, college loan, the apprentice, college loan, instead of the school. The apprentice is again amenable for paying for their assorted educational expenses.
This affectionate of accommodation has added advantages, college loan, agnate to federal loans. The absorption and arch payments can be deferred until the apprentice graduates from school. For a lot of of, college loan, these loans, a apprentice is appropriate to be accessory academy at atomic bisected time for the cessation of payments and interest.
When the apprentice does alum from college, the, college loan, loans can usually be, college loan, deferred for six months until the apprentice finds employment, and again the accommodation holder will about accept a array of claim options accessible so that the apprentice can clothier their payments to their income.
A, college loan, clandestine apprentice accommodation is the ideal acknowledgment for acceptance who do not accommodated federal requirements for banking charge or whose educational, college loan, costs are not absolutely covered by their federal banking aid. Abounding lenders action clandestine apprentice loans to acceptance or their parents and the appliance action is simple and free. The accommodation requirements are usually beneath acrimonious and the claim options are affordable for adolescent professionals. A clandestine apprentice accommodation is a abundant way to accounts the apprenticeship of any apprentice that needs banking help.
Bob Hett
articleage.com
Private Loan Consolidation – When Federal Consolidation is N
Posted by: | CommentsPrivate Loan Consolidation, student consolidation
, – When Federal Consolidation is Not an Option
Sometimes, when it comes down to your money, it is better off just handling it yourself and putting it into the trusted hands of someone who will make the, student consolidation
, wisest decisions with it. With that in mind, once you graduate from college, it is, student consolidation
, very likely that you will be saddled down with student loan debt and any other debt accrued during your college years (i.e. credit card debt). In situations like these, federal consolidation may either not be an option or just might not be the best option for your current needs. When this happens, think about using a private loan consolidation to get you, student consolidation
, out of dire financial straits. This can still save you money and will allow you to be less tied down by your student loan debt.
Examples of Private Loan Consolidations
An example of private loan consdoliation is a bank or some other financial institution that is willing to take your accrued student, student consolidation
, loan debt, pay it off for you, and then offer you a lower interest rate, student consolidation
, as you work to pay them back over a scheduled course of time. It is important to note that not all financial institutions, student consolidation
, offer these forms of consolidation, so research before you start thinking about private loan consolidations and find the best private loan offers for your specific needs.
Work Out A Plan
Finally, once you have found the right private institution to cover your student loans, work out the right deal for your specific situation, student consolidation
, . Try to work out a payment plan over the course of a certain number of months/years that is affordable for yourself or your family. Often times, these forms of consolidation, student consolidation
, will, student consolidation
, allow you to receive lower, student consolidation
, interest rates, which, in turn, will allow you to pay less money to achieve debt-free status. As with any consolidation, search around for the deal that is most suitable for your loans., student consolidation
, Do not just settle for the first offer that comes your way. You can save hundreds and thousands of dollars per year on student loans through consolidation, so make the situation work for you.
This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Private Loan Consolidation at http://www.NextStudent.com .
Vanessa McHooley
articleage.com
