Monthly Archives: November 2017

Consolidation of student loans

Following an expensive college education, graduates are stuck with a ton of debt from student loans. This education has been foreseen as a primary necessity by all, and has consistently become more and more expensive. Hiring a good faculty is one of the primary motives of a college, which escalates the cost of providing education even more. Apart from the actual tuition fee, there are several other expenditures that are incurred by students on a daily basis.

Consolidation of Student Loans

It is principally a debt consolidation loan which combines previously borrowed loans and credit, and gradually pays off the debt plus interest payable of all. Though this is just an overview of the process that is involved in consolidating student loans, make sure that you do loads of research regarding the loan which you are planning to opt for. There are several options that will help you with your debt.

As the name suggests, it consolidates or sums up all the loans and debts which you have borrowed. These amounts are paid off with a requisite interest, plus a closure charge. Then you start paying back the entire amount to the lender, which is charged with a very low interest. This is a secured loan and terms of repayment span for a couple of decades. Thus, the loan does clear off all the debt, but simply reduces the burden of several installments, and makes the entire deal a much simpler and easier transaction. Thus, after borrowing a student loan, you can have a lower rate of interest, and also some more years to repay your debt.

Consolidation Advice
Firstly, visit any student loan consolidation calculator, and estimate the total amount that you owe your lender, and also the total interest (or the closure charge that you owe).
Note that not all loans are subject to consolidation. However, direct PLUS loans, Federal PLUS loans, Federal insured student loans, auxiliary loans to assist students, Federal supplemental loans for students, national defense student loans, Federal Perkins loans, national direct student loans, direct subsidized and unsubsidized loans, guaranteed student loans (GSL), Stafford loans, and all recognized student loans by banks which have been underwritten properly, can be consolidated. Hence, check how much of your debt can be subjected to it.
Next, approach potential lenders, such as banks and recognized financial institutions. You can either visit their websites, or you can send a formal inquiry. You have to find out two important things: the interest rate (or APR), and the maximum limit for which you can borrow the consolidation. Several consolidation companies and banks have comprehensive programs like Chase consolidation loan, NextStudent private consolidation loan, and Wells Fargo private consolidation loan.
The rates of such programs are quite low, and in most cases your credit score is also not taken into consideration; only your income and the security or collateral is scrutinized.
It is always recommended that you avoid private student loan consolidation. Advice of such a kind is given in some cases, as private loans tend to have a higher rate of interest.
After you have all the data in front of you, calculate the total amount that you would owe to the lender on a monthly and annual basis. Also consider all fines and penalties which would be levied on you, in cases of installment default.

Modern Language Association

MLA or Modern Language Association format is mainly used for writings in the field of humanities, especially literature and language. It is considered simpler than most of the other writing styles like APA (American Psychological Association) and Chicago manual, which are opted for writing in different disciplines.
Though considered to be relatively simple, the MLA format does have a set of guidelines that the writer needs to follow. Students, especially those writing research papers, need to pay particular attention to the rules of MLA writing style. Here we give you some guidelines for making a heading in the MLA format.
Page Setup Instructions
Before writing a paper in the MLA format, there are a few things every writer should keep in mind about the page setup:

► Each page should have a 1-inch margin on all the four sides. It means that there should be a 1-inch gap between the edge of the paper and the content. With a page setup option, Microsoft Word makes it easier to have an MLA-style heading in a word file.

► Each line on the paper should be double-spaced. It means that the space between lines should be double the usual. Double spacing should be followed in the title, headings, between two paragraphs, and within the paragraph as well.

► A readable font should be used while writing the paper. Legible fonts like Times New Roman, Arial, Lucida, etc., can be used. The MLA format demands that the regular and italic style of a particular font should be different from one another and easily recognizable.

► A paper in the MLA format should be written in 12-point font only. Everything from the title to the conclusion should be in that size.

Headings in MLA Format
► Like the rest of the paper written in the MLA format, headings should be in 12-point size and in a legible font. It should be double-spaced from the text above and below it.

► The headings should be grammatically similar. It means that if a writer writes the first heading as a complete sentence, then the other headings should be in complete sentences as well. On the other hand, if the writer uses a noun-phrase form in one heading, then he has to use the same form for all the other headings too. This brings uniformity in the writing style.

► Follow numbered or unnumbered format to write headings for the sections in the paper.
Heading on An Opening Page
► As there is no title page essential for the MLA style paper, it becomes necessary to include the writer’s information on the first page of the paper.

► On the upper left-hand corner of the paper, the writer should write his or her name.

► Below that, using double spacing, the name of the instructor or professor should be written.

► Then, the class information should be added.
► Lastly, the date of submission should be mentioned. In the MLA format, the date is usually written in the day-month-year format. The date and year should be written in numbers, and the month should be spelled out.

► In some cases, the month-day-year format of writing a date is also used. However, it is best to get it confirmed from the instructor.


Students need to submit a dissertation when they are writing their thesis, the format of which is fixed. There are different sections and chapters that they need to cover when writing a research paper. Students always stumble when they come to the research methodology chapter for their thesis. We shall have a look at how to go about writing this chapter in the following paragraphs and learn the correct way to do so.

What is a Methodology Chapter

When you are writing a dissertation, there is a general set format that is to be followed. This means you need to cover the following chapters:
Title Page
Table of Contents
Chapter I – Introduction
Chapter II – Background
Chapter III – Methodology
Chapter IV – Results
Chapter V – Conclusions and Recommendations
Each of the chapters are further divided into subtitles. Students know how to write the introduction part, but may find it difficult to explain their methodology. This is the most important part of your research paper, as you will be giving an insight to your readers about how you conducted the research and came up with the conclusions. In the methodology chapter, you have to provide the reader with a quick overview of the way you were able to gather information as well as material for your paper. This chapter is where you need to include the techniques undertaken to collect data. This means explaining the surveys, data mining, interviews, and experiments you may have conducted to propose your conclusion. Also, include the procedures for data analysis, like an analysis formula. You should also be able to justify your methods, so as to give them more credibility. This is true especially for students who are writing a scientific thesis. A methodology is the most crucial point and should be presented thoroughly and in a concise manner.

How to Write

If you want to make your research appear more credible, then there is no option but to understand in detail how to write a methodology. This chapter will help you showcase your knowledge of using alternative methods that help in presenting your research topic as more valid. The best way to demonstrate your research is by using a qualitative or quantitative process. The following are the general guidelines that you should follow, depending on the type of dissertation or research paper you are writing.

When you are writing a methodology, keep in mind that you are supposed to explain your basic research plan. You need to begin with a few introductory lines that restate your purpose for conducting the research. It is alright to use the basic phrases and statements you used in the Introduction chapter.

The advantages and disadvantages discussed

The first word that a child speaks, the first step that he takes, the first time he eats food―all these are taught to him by his parents. In the process of socialization of a person, parents and other family members have a big role to play. In old times, when there were no schools, children depended on their parents to teach them the skills of life. Now, however, things have changed and we have private and public schools filling in for the parents, and teaching children how to live, act, and survive in this world.

Homeschooling, a concept in which children, instead of going to schools, are taught by the parents or other guardians at home itself, is catching the fancy of many people again. People are considering this option as there are many advantages of homeschooling. However, at the same time, there are disadvantages as well. So, should parents go in for homeschooling, or should they rely on schools to educate their children? Let’s find it out by looking at the pros and cons of homeschooling.


Quality Time and Family Bonding

One of the benefits of homeschooling children is that parents get to spend a lot of quality time with the kids. When kids go to school, everything, right from when to take the children to a museum or a soccer game to when to take them out for holidays, has to be planned according to the school schedule. But when parents are homeschooling children, such limitations are not there. Parents can spend as much time, whenever they want to with the kids. This gives them enough time to instill good values in children and also to bond as a family.

Individual Attention and Personalized Coaching

No two children have the same learning and understanding capacity. But, in most schools, this factor is overlooked, and all children are taught and treated the same way. This can develop an inferiority complex in some children who are unable to catch up with the other students in the class. However, when homeschooling, parents teach their children with a lot of patience and are able to give them individual attention. Parents understand if the children take time to understand things, and may even use certain other methods to specifically teach their children. Thus, another advantage is personalized teaching.

Safe and Flexible

These days we see more parents who have jobs which ask for a change of location every few months or years opting for home schooling. Home schooling’s flexible timings suit the children as well, especially those who find it difficult to wake up early morning. Parents too need not worry about getting the children ready for school first thing in the morning. Flexibility while homeschooling extends to the subjects being taught too, in the sense that if a child is not in a mood to study a particular subject, parents can always switch to something of the child’s interest.