The University Of Southamptons Msc Marketing Analytics Masters Degree

The MSc Marketing Analytics masters degree course at the Management School at the University of Southampton takes one year to complete.

It has been especially designed to give education and training to people who want to understand more about how marketing data is managed and interpreted to make sound marketing decisions that are based on clear evidence.

This Marketing Analytics masters degree course is a good route for any marketing professional who wishes to achieve career progression towards roles like marketing manager for example.

Study on the MSc Marketing Analytics masters degree follows a schedule of half-day teaching blocks. A single module will be taught over six half-days; usually the same half-day each week. Module teaching blocks are scheduled on different half-days so that students will study several modules during the same period.

Teaching and learning on this Marketing Analytics masters degree happens during the autumn, spring and summer terms. However, a few modules are scheduled for evenings, as well as the Easter holiday.

Examinations take place in January as well as May and June each year. If you pass the module assessments to the required standard you will be permitted to continue on the course until September, leading to the submission of a dissertation.

The MSc Marketing Analytics degree course is directed by Dr. Luke Greenacre, who has previously worked at the Centre for the Study of Choice and the Marketing Discipline Group at the University of Technology Sydney; the University of Sydney; the University of Western Sydney; and the Australian Institute of Music.

Dr Greenacres research has typically focused on two areas, these are: word of mouth communication and social networks, and training and education practice.

If you would like to learn more about the MSc Marketing Analytics masters degree at the University of Southamptons Management School, then all you have to do is visit


Enhance Your Career With Microsoft Certified Courses

For an effective and bright career in the software industry, all you need is a certification from one of the most prominent names in the IT industry, which is Microsoft. It may sound too simple, and it is! All you really need is to make sure that you have been trained under the spectrum that is provided and certified by Microsoft. CMS Institute offers some of the most popular and enhanced Microsoft certified courses in India.

The main reason why someone looking for a career in the IT industry should go for a Microsoft certified course is because these courses are designed by professionals authorized by Microsoft, and they understand the changing trends and requirements of the IT industry. All the courses are extremely professional, and meant to enhance the capabilities the students undertaking these certified courses.

CMS Institute offers Microsoft certified courses in Mumbai that can be opted for by students who are a graduate in any field. For students looking for a career change, these Microsoft certified professional courses could be the solution to their dilemma. Whether you are looking for a career within India, or anywhere else in the world, Microsoft certified courses will open endless possibilities for you, no matter where you wish to be.

At times there are people who have undertaken Microsoft certification courses in the past, and now these certifications are to be put to rest, or in more commonly knows terms, they are to be -retired’. In such cases, you will need to upgrade yourself, and at CMS Institute you have the opportunity to do just that. You can look up the courses that are offered by CMS Institute and select the one that suits your skills the best.

All the Microsoft certified courses that are offered by CMS Institute are conducted keeping with the standards set by Microsoft, and so you can rest assured of the quality of training that you will receive when undertaking any of these courses.

Whether you are looking to dip into the IT industry as a novice, or you are a professional looking for certificate courses that could add to your already impressive resume, CMS Institute has the most to offer in both these cases. Beginners and professionals alike can find their field of specialty through CMS Institute and boost your career in local as well as international markets!


Top 10 universities offering free online learning

Good news for those who want to advance their education but lack money for tuition! It is possible to earn a degree from a highly reputable university free of charge. Below is a list of the 10 best free university courses (in no particular order) available for you:

1. Massachusetts Institute of Technology (
MIT is ideal for those looking for a wide range of free courses offered online. The university’s OpenCourseWare project has more than 1,750 free courses that are in text, audio and video formats. OpenCourseWare is used by students worldwide, most of whom say they would recommend the site to other students.

2. Stanford (
Stanford University, one of the world’s top universities, has teamed up with iTunes U to offer access to Stanford courses, interviews and lectures. Available courses can be downloaded and played on iPods, Macs and PCs and can also be burned to audio CDs and played in CD player.

3. University of California, Irvine (
UC Irvine, recently teamed up with the OCW Consortium to offer free university level courses online. Although currently there are only a few courses to choose from, the list is rapidly growing. Course materials include lecture notes, assignments as well as exams.

4. Open University (
Open University’s (UK) OpenLearn website offer both undergraduate and graduate learners free access to learning materials. The materials cover a wide range of topics, such as IT and computing, education, mathematics and statistics, science, health, business and more.

5. University of California, Berkeley (
For almost a decade, the University of California, Berkeley has been providing live webcasts of a number of courses including IT, legal studies, engineering, philosophy, psychology and astronomy. Many of the university’s courses, are currently available as podcasts and webcasts.

6. Carnegie Mellon University (
Carnegie Mellon University’s program called Open Learning Initiative (OLI) offers several free online courses. OLI courses are aimed to allow introductory college level students to learn about a particular subject without formal instruction. Courses cover a wide range of topics, such as economics, biology, French, statistics and physics.

7. Kutztown University of Pennsylvania (
The Kutztown University of Pennsylvania has a resource centre, Small Business Development Center, that boasts the web’s largest collection of free business programs.

8. Utah State University (
Utah State University is also a good choice for those looking for free online courses. The university offers a number of download-able text-based courses ranging from physics to anthropology and theatre arts.

9. University of Southern Queensland (
University of Southern Queensland, Australia, offers free online courses through its OpenCourseWare initiative.

10. Tufts University (
Tufts University, a private research university in Medford/Somerville, near Boston, Massachusetts, has OpenCourseWare that is available free to everyone.Course materials include lecture notes, assignments and other supplementary materials.


Burger King Scholarship Is Available Now For Students

You probably know that their many scholarships available which are unclaimed and amount to thousands of dollars. These unclaimed and weird scholarships do to not have much competition. One example of such scholarship is the Burger king Scholarship.

Even though, it may sound a little weird, but there hundreds of various types of scholarships exist which can fund your educational expenses. The Burger king Scholarship provides giant amount of money to numerous students every year.

People know the Burger king Scholarship as BK scholarship. Before you apply for this scholarship you should know the eligibilities and the requirements of this scholarship.

Burger king is a very famous joint in the North America that provides French fries, burgers and shakes. Students do not know much about the scholarship programs. Every year 700 students get a scholarship grant of $1000 each in this scholarship. The students can be from anywhere in the US or from any of the countries in the continents of North America or from any accredited home schools of these regions.

This scholarships which have been helping many students every year have been started mostly due to James McLemore, the cofounder of Burger King Restaurants.

By 2007, students have been granted $10 million all the way through this scholarship program. The eligibility criteria for the scholarship is not very strict-you ought have work experience of 15 hours weekly part-time and should have a GPA of 2.5.

You can apply through a simple application process-filling in the profile form for registration online. The Burger King Scholarship program administration website contains other necessary information. This website will help you with the information related to submission deadline and the pros and cons of the scholarship.

The website of the company will also offer it the needed information on the winners database. This scholarship looks at the extracurricular activities you are involved in, your leadership skills and your academic record. The work experience plays a very significant role in getting this scholarship.

The company plans to provide 10,000 scholarships by the end of 2010. So, earning this scholarship becomes a very achievable task for students who want a better tomorrow.

So don’t wait for anything, simply grab this golden chance from the Burger King and catch your college education free


Texas Scholarships For Mothers – Best Way To Find Them

Mothers are the light of every family. But, mostly they identify their existence as the mere care-takers of their family. They do not understand that it is also important to live for yourself and aspire to achieve your dreams. Many state grants have been organized for this purpose of providing necessary financial support to the mothers. For this reason, the second largest state of the U.S, Texas, has arranged various Texas scholarships for mothers.

The state of Texas has structured various scholarships based on merit and talent. An important scholarship amongst this is the Robert C. Byrd Scholarship which is awarded to those students who are amongst the top 10% scorers in their high school class and the award for the same is $1500. A brief description on the other scholarships available in the state of Texas for mothers has been mentioned below.

1. Career Colleges and Schools of Texas Scholarship Program – This is a huge scholarship program available to 6000 freshmen undergraduates studying at any technical college in Texas and the scholarship amount is $1000.

2. Edward S. Roth Manufacturing Engineering Scholarship – This is exclusive for undergraduate students studying engineering at any of the select Texas state colleges and the grant is for $2500.

3. Emerging Texas Artist Scholarship – This scholarship is available to students studying arts. 8-15 undergraduates and graduates are entitled for this scholarship of $500 to $2500, studying at a Texas college.

4. J. A. Knowles Memorial Scholarship – This scholarship is only for the Methodist graduates and undergraduates and every year 70-80 students are entitled for this award of $800 to $1200.

5. Mary E. Bivins Foundation – Every year 50-75 Christian undergraduates or graduates are offered this scholarship amount of $1000 to $2000 who are studying at a Texas college.

6. Outstanding Rural Scholar Program – The scholarship amount for this program is not specified, however, the scholarship goes out to an undergraduate majoring in health field and studying at a Texas college.

7. Ozarka Natural Spring Water Statewide Scholarships – This scholarship of $10,000 goes out to two undergraduates studying earth science and are residents of Texas.

8. Texas Health Resources Scholarship – This scholarship is exclusively ear-marked for a black undergraduate, residing in Texas.

9. Texas Scholarship – This is a general scholarship program for $1000 granted every year to freshmen undergraduate students studying at a Texas college.

Reviewing the various scholarships provided from the state of Texas, displays the fact that the state is very concerned towards the condition of the mothers and in deed, is working hard for the progress of the mothers. Texas scholarships to mothers is a wake-up call to all the mothers to start looking out for the best opportunities which is available to them and go ahead in the path of education without any financial obstacles.


Course and Career options available after 12th for commerce students

Commerce is language of business and anyone who wants to have better control over the business activities should learn accounts, taxation, banking and other commerce related activities, there are many career options available related to accounts finance and taxation, since these professionals are always in great demand, there is a sense of job security and respect command by such professionals, there are many accounting courses , taxation courses which are certificate course, degree course and diploma course in commerce after 12th , even non commerce students from arts background can also join such training institutes. Degree Course:- Many students opt for degree course like commerce graduate B Com, offered by various universities and colleges, usually degree course is for three years, however earlier many universities use to offer two year program also, but now that practice has been stopped. There are regular as well as correspondence course in which students do not attend classes, there are many universities which offer evening weekend classes for those students opting for distance course, however with top universities like Delhi University, Pune University it is very important to have very good percentage at 12th standard which some time cross 95% in aggregate to take admission in regular course. Some of the known universities in India. Sikkim Manipal university Annamalai University Punjab Technical University NIMS Shobit University Delhi University Professional Courses Apart from graduation there are various other professional courses offered by various institutes in India which offer professional courses which covers fields like:- Accounting Taxation Audit Company Law Mercantile Law Business Studies Organization & Management Direct Tax Income Tax Indirect Tax Service Tax Central Excise VAT

List of Institutes offering various Professional courses in commerce after 12th

CA (The Institute of Chartered Accountants of India commonly known as ICAI) CS (The Institute of Company secretary of India ICSI) ICWA (The Institute of Cost and Works Accountants) IPA (The Institute of Professional Accountants)

Various Career options after doing these professional Courses after graduation or after 12th in commerce.

Assistant Accountant Junior Accountant Accountant Accounts Manager Finance Manager Taxation Assistant Assistant Tax Manager Taxation Manager Payroll trainee Payroll manager Finance Executive Assistant Manager Finance Banking Executive Advanced excel course in Delhi


Why preschools play a vital role in your kids education

Preschool can dramatically change the quality of adult life. Theres been considerable research in this area and most of the findings had concluded that quality preschool programs affect children positively. The initial years of a child’s life are a crucial development period. Its the time when 75% of your childs brain growth takes place. Kids who are nurtured and stimulated during these years are much more prepared for kindergarten and are more likely to have social skills needed to have a successful kindergarten experience.

Besides producing positive effects on childrens learning and development, high-quality preschool education also has effects on the moral and ethical behavior of kids. Its been seen that children who receive high-quality preschool education are less likely to get involved in crime, substance abuse and other illegal activities than their peers who did not attend any preschool. Thus, preschool education holds an important place when you think about proper and wholesome kids education.

Having said that, It is also important to select a right preschool for your kid. Research suggests that when children are exposed to a learning environment that coincides with their personality, temperament and traits. The reason being children are born with their natural style of interacting with or reacting to people, places, and things. And if they are put in right learning places then the result is increased self-confidence, a positive attitude towards learning, enhanced creativity and a wholesome development.

Besides sending your child to preschool to ensure that he/she has a wholesome development, It is also important for you as a parent to spend devoted time with your kid. Whether its playing in the yard with your kid or while setting the breakfast table and trying to wrangle information about his/her day, or may be telling bed time stories, you must interact with the kids. Also its important for you to participate in different preschool programs so that your kids first educational experience is a happy and effective one. Because a high quality preschool program involves parents, children and teacher where they all contribute, and actively participate to create a learning environment that is full of growth.

Author’s Bio: Roser Brown is a self-published author of many articles on child education. In this article he writes on the crucial role that preschool plays in kids education


Mcat Study Prep Simple Mcat Study Tips That Can Help You Big Time In The Exam

When you talk about MCAT prep, you can expect to get varied responses from the people you talk to. But if there”s one consensus, it”s that preparing for the MCAT exam entails a lot of sacrifices. You”ll need to put in a lot of effort as well as spend so much of your time, energy and even your own money if you want to have the best MCAT study prep.

But what if I tell you that there are simple MCAT study prep tips that can really help you get a high score in the MCAT exam? I”m sure you might be skeptical at first but intrigued about it nonetheless.

Well, I”ve been an MCAT prep coach for most of my life. I have a vast experience when it comes to exam preparation. To put it simply, I”m already an expert. But this didn”t come easy. I had to commit a lot of mistakes in the process of finding the simplest yet most effective study tips.

Your MCAT prep time is vital to your preparation. I”m sure you have quite a hectic schedule as you prepare for one of the most important exams in your life. You surely don”t have the time to waste in committing many study preparation mistakes just so you can find out what”s the most effective ones right?

Of course! That”s why you”re reading this article about the MCAT study prep. Fortunately for you, I deliver on my promises unlike other so-called test preparation experts who claim to have the best study tips only to provide you with useless information.

Here are some simple MCAT prep tips that can help boost your chance of passing the MCAT exam:

“Before you start your MCAT prep, make sure you lay out your study plan. Ensure it provides you with enough time to cover the important topics you need to study for the MCAT test.

“You should take some time off your MCAT study prep to relax. This will prevent you from experiencing MCAT prep burnout.

“Finally, make sure you eat a healthy and balanced diet as well as engage in physical activities like playing your favorite sports. This helps keep your body in top shape to enable you to focus more in your preparation for the MCAT.


Pebble Hills University Online Degree

In order to deal with the competitive market, working adults are keen to study. You must try to inculcate the skills of selection and maintenance of aim in life. While devoting your energies in pursuit of academic excellence, considerable efforts should be made to spiritual development. Since, in the times of stress, this would provide you the much needed inner strength to carry on with your mission.

Prof. Muhammed Ayinla Omolaja, the President of International College of Management and Technology (Nigeria) and regional director of PHU, Nigeria, claimed that it is the universality of the institution in its approaches that is fetching it so much popularity in recent time among education lovers over and above regional Universities the world over.

Learn to hold on to what you believe is right and just. Be gracious enough to accept your mistakes and resolve to improve. Humility never demeans a person rather it elevates him. Take each difficult head on and see it as an opportunity to learn and excel.

The best study mode for working adults would be distance learning, which is practical for them to balance their work, family and study.

The overriding philosophy of an outstanding distance learning University is to prepare managers, administrators, scientists, engineers, technologists and agriculturists for critical tasks of the moment and for the future. This objective will be met by providing a foundation on which students can build and grow after they graduate; a foundation sufficiently general to be relevant to a broad range of management, social and technology contexts.

Dr. Patrick A. Welsh, the Principal of Caribbean Institute of Business expressed that Pebble Hills University has opened up another door, creating another chance for success for those students in Jamaica who would be left behind by not having a BSc. or an MBA. (Pebble Hills University is a global online university)

Global business is expanding, thats why you need a global institution with a radical outlook towards education. Due to an education system based on real world values, the knowledge gained can be incorporated easily & more practically in the relevant field.

According to Prof. Manfred of Pebble Hills University, the highly diverse community at the University consists from many cultures, nationalities and religions offers students a unique environment and a great experience. Also the students who enrol in to study programs can complete them in their local campus. Also they have the option of completing the selected study with PHU directly, online.

Pebble Hills University


Geometry Study Tips

Geometry is the study of figures. We can segregate geometry into three parts – plane geometry, solid geometry, and spherical geometry. Plane geometry deals with objects like the point, line, circle, triangle, and polygon. Solid geometry deals with objects like the line, sphere, and polyhedron. Spherical geometry deals with objects like the spherical triangle and spherical polygon.

Starting with a few accepted truths (axioms and postulates), it builds up true statements by using a systematic step-by-step proof.

When students start studying geometry, at first they find it difficult because this is the first time they are learning the subject and they need to prove their answers. But just like all other subjects, when they learn it with patience and perseverance, they are able to master the subject.

Study Tips for Geometry

It has some accepted truths (axioms and postulates), so make sure you know them. Learn them thoroughly. Based on these axioms you will be proving many other theories.

Know all the geometry terms. To study geometry you must be familiar with its terminology. If you don’t know a term, don’t ignore it, look for its meaning and understand it.

Understand all the figures, and don’t just look at them and try to understand them. Always learn them by drawing them.

Make flashcards to remember formulas. Because during exams you should be very familiar with them.

Pay attention in the classroom. Try to understand as much as you can. Raise questions if you don’t understand anything. Asking questions increases understanding of the subject.

Don’t just complete your homework by copying it from someone, do it on your own by understanding it. It may take time, but you will understand everything and this will help you in the exams.

Problem solving is the key to learning mathematics so solve as many problems as you can. If you are not able to solve a problem, take it as a challenge and try to solve it.

Study in groups, it increases confidence levels. It also makes learning interesting.

Follow all these steps to ace geometry. If you still find it difficult and classroom geometry tutoring is not helping you, then look for online resources to get help with geometry. There are many online geometry help websites which provide study material, solved problems, unsolved problems, and geometry tutors too. You can download unsolved problems and practice them. You can also contact an online tutor if you are not able to understand the concepts. An online tutor will not only teach you but also provide you with geometry homework help.


Psychology Courses Online Why Choose Online Studying

Are you serious about going into psychology? Well, it’s a great choice! But wait, do you have any problems with fulfilling your dream? Job, children, lack of time… Don’t loose your heart! You can still get what you want! So how about self-improvement?

Even if you have no time for visiting psychology school, you still can advance your knowledge in this field. As an option, you may sign up for psychology courses online. This way you’ll be ready to continue your psychology education any moment!

So what do you think about psychology courses online? Some of them are free of charge and another are paid. Of course, you should look for free courses at first!

Psychology courses online is a great way to enrich your insight into psychology and get prepared for further education. Psychology is extremely interesting and competitive field of study. There is so much to learn about it! And remember, any extra knowledge leads you closer to psychology scholarship! It will definitely give you the edge over your rivals. So turn your inability to study traditionally to your advantage! Psychology courses online not only give you additional knowledge, but make you more disciplined and organized.

For better effect combine your psychology courses online with textbook study and online video lectures. Every bit of knowledge you gain through psychology courses online will lead you closer to the goal.

So how does it work? As soon as you sign up for psychology courses online you’ll get all studying materials via e-mail. You can choose the best suitable time for studying. There is no daily schedule, however you must complete the assignment to meet the deadline. It’s up to you how to do this!

Psychology courses online are the perfect lead-in to the basics of psychology. So if you’re just thinking of choosing psychology career path, get acquainted with this field via psychology courses online. This way you’ll be able to understand whether you want to continue with it or not.

Generally these courses include a great variety of subjects within the science of psychology. They are the following:

Introduction to Psychology
Clinical and Counseling Psychology
Developmental Psychology
Cognition and Perception
Neuroscience and Psychology
Personality Psychology
Social Psychology
Learning and Motivation
Research Methods and Statistics

Online psychology courses can help you to choose the branch of psychology that would be the most interesting for you. Moreover, they will help you to get a deeper understanding of the whole science. With online psychology courses you’ll get ready for the interesting and challenging way of psychologist! So if you’re not ready to enter college right now, start from taking up psychology courses online!


Enhance your skills for entering Italian Universities

Is it your dream to attend a prestigious Italian University?

If it is, you will need to learn Italian or else it will be very hard for you to pursue your field of study. If you want to specialize in Medicine or Architecture, all Italian universities require you to take and pass an entrance exam. This is an exam that you can easily face if you have a knowledge of both the Italian language and the technical terms that apply to your area of study.

Scuola Leonardo da Vinci has been teaching Italian and preparing foreign students to take their entrance exams for many years. We understand that in the beginning it can be overwhelming to have to take an exam that is not in your first language and that is why we have designed a special course help you prepare for it.

-The University Preparation Course for Medicine or Architecture- that includes 4 daily lessons of Italian language preparation that can last from 4 to 24 weeks depending on your language knowledge at the moment of enrollment and 140 lessons of preparation to admission test.

This course carefully focuses on the main subjects that the entrance exam will require you to know. We also pay special attention to grammar and sentence structure, because the exam will evaluate an individual’s correct usage of Italian.

So your preparatory course will consist of two phases. The first phase is dedicated to linguistic training and the second phase is dedicated to reviewing material that is specific to the student’s particular field of study.

By the end of the course students will have acquired a good knowledge of Italian language and the necessary linguistic skills to study for the entrance exam, pass the entrance exam with sufficient results, and to face their first year of Italian university with confidence.

The Preparatory Courses for the Faculty of Architecture will focus on specific architectural language that come from Architectural history, Construction, Science, Mathematics, Physics and other related disciplines.

For the Preparatory Course for the Faculty of Medicine, we will focus on material somewhat similar, because it will be necessary to have an extensive preparation in the subjects of biology, chemistry, physics, mathematics, etc.

If you are thinking about pursuing your university studies in Italy, in Milan or Rome, then these courses would be the right courses for you.

Next courses will start on March 8th, 2010…for all the information about dates and prices for 2010 please visit our website


University Of Southampton Highly Rated In Best University For Nursing Rankings

The University of Southampton has come a close second to the University of Surrey in the quest to be named the best university for nursing in England, according to the Times Good University Guide.

The title of best university for nursing is awarded according to factors like graduate employability, student satisfaction, and student/teacher ratio.

Official statistics showed 100% of Southampton nursing degree students found employment after graduating; making the university one of the hot favourites to be crowned best university for nursing.

But this was not to be; with the University of Surrey just edging out its south coast rival to claim the coveted title of best university for nursing.

The University of Southampton recorded a student satisfaction rate of 81%, with 68 % of candidates graduating with either a first or 2:1 degree classification. Statistics also revealed that nursing degree students at Southampton benefited from 17 teaching staff for every student, and a figure of 5,351 spent per student on teaching.

In 2011 the University of Southampton was regarded as the best university for nursing. It was, after all, the first university in the country to have its BN nursing degree programmes fully accredited the Nursing and Midwifery Council.

Being the best university for nursing is an accolade of which any university would be rightly proud. Especially in 2011/2012, as more would-be students apply to study nursing than any other degree subject.

Professor Jessica Corner, who is Dean of Health Sciences at the University of Southampton and originally trained as a nurse herself, said: Our programmes benefit from close partnerships with practice settings, clinical leaders and close involvement with healthcare service users.

We are student-centred, meeting the needs of students with differing learning styles and learning needs, we take pride in offering a unique, values-based approach to our educational delivery to the advantage of each of our students. She added.
Health Sciences offer you much more than just a degree. We are training the next generation of professionals in nursing, midwifery, health and social care, physiotherapy, podiatry and occupational therapy in a supportive and friendly environment.
Our impressive research portfolio means you will learn from academics who are directly involved in influencing the quality of healthcare. You will learn alongside students from many other disciplines in the health sciences to gain a thorough knowledge of healthcare.((Employers appreciate Southampton graduates, in 2009, 93 per cent of our graduates found work or went into further study. Many of our former students are now in senior positions in the NHS and other healthcare organisations.

If you are searching to find the best university for nursing for you, have a look at the University of Southampton Health Sciences website at


How To Consolidate Student Loans – Federal Versus Private Loan Consolidation

Student loan consolidation can be used by student or parent borrowers to combine their multiple education loans into one loan with one monthly payment. As any student can take either federal or private student loans, he or she can also take a federal or private consolidation loan to make the education debt more manageable.

Both federal and private student loans offer significant benefits, but federal loans offer borrowers many benefits that don’t come with private loans; for instance: low fixed interest rates, income-based repayment plans, loan forgiveness and deferment options. While some private lenders may offer them too, it usually is associated with some strings attached.

For those reasons, every borrower should always exhaust federal student loans options before considering a private loan. The same advice applies to consolidating student loans – always look at federal consolidation loan first and only if you don’t qualify for a federal loan of it is not the right choice for any reason, and then seek a private consolidation loan.

It is important to remember that a federal student consolidation loan can’t include any private loan. Moreover, if you consolidate your federal student loan into a private consolidation loan, you will lose your federal borrower benefits mentioned above (unless you private lender tries hard to get your business and includes them in the offer).

There are important differences between federal and private student loan consolidation.

First of all, with federal student loan consolidation, you will have a fixed interest rate, while private student loan consolidations are credit-based, which means that your consolidation loan rate will not be locked – it will be variable. So, while you will not have to go through credit check in order to apply for a federal consolidation loan, you will need it to secure a private consolidation loan.

Student loan consolidation rates are determined differently for federal and private consolidations. The interest rates for federal loans are set according to a formula established by federal statue. It’s a fixed rate, based on the weighted average of the interest rates on each of your loans at the time you consolidate, rounded up to the nearest 1/8th of a percent and capped at 8.25%.

As private student loans are not funded by the federal government, they are subject to the terms determined by each individual lender (bank, credit union, other financial institution) and the market competition. In private student consolidation loans a borrower’s credit is the primary factor in the variable interest rate offered to the borrower. As the base for setting the consolidation loan interest rate, the private lenders most often use the Prime rate or the 3-month LIBOR Rate, to which they add a margin. That margin varies from lender to lender and is applied according to the borrower’s credit rating.

With regards to the interest rate on the consolidation loan, it’s typical for both federal and private consolidation loan to include 0.25% rate reduction for automated debit payments.


Cant Repay Your Student Loans 5 Ways to Get Help.

For college students, November and December are filled with research projects and final exams. For recent graduates, however, these months can be exceptionally stressful, especially if a post-graduation dream job hasnt materialized on schedule. For graduates who left school with debt from student loans, November and December can be a month of reckoning.

Government-issued federal student loans and many non-federal private student loans grant students a six-month grace period after they leave school before they need to begin making loan payments. For students who graduated in May and June, then, those college loans come up for repayment in November and December.

And if youre a graduate whos caught up in the current recession and the highest unemployment rate on record for new college graduates, you may be getting your first student loan bill having no idea how youre going to make the payment.

Just ignoring those student loan bills isnt going to help. Defaulting on a federal student loan is no light matter. The government can step in and garnish your wages, once you get a job, or seize any income tax refunds you may have coming to you in order to put money toward your student loan debt.

Both federal and private student loans are nearly impossible to discharge in bankruptcy, so your student loan lenders can keep coming after you for payment, even if a judge declares you bankrupt and wipes out your other debts.

All your student loan accounts appear on your credit report, so your credit rating is also at risk. Repeated late and missed payments on your student loans will drop your credit score, will linger on your credit history for years, and can have a lasting impact on your ability later on to qualify for anything that requires a credit check. You may not be able to get a credit card, take out a car loan or home loan, rent an apartment, or even get a job — more and more employers are conducting credit checks on job candidates as a measure of your responsibility and maturity.

Clearly, keeping your student loans current needs to be a priority, for the sake of your credit and the health of your financial future. Whether youre a newly minted college graduate or a longtime borrower whos now having some financial troubles, if youre facing student loan payments that you cant afford, here are five ways to get help now.

1. Contact your student loan lenders. Whether youre approaching the end of your grace period or youre already in repayment, if you know that you dont have the ability to make the payments on your student loans, contact your lenders immediately, explain your situation, and see what they can do to help.

For your federal student loans, the U.S. Department of Education can grant you additional periods of deferment or forbearance if youre facing financial hardship. With a government-approved deferment or forbearance, your student loan payments are postponed, with no adverse effect on your credit.