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Merit-based scholarships are one of the few types of financial aid that aren’t based on demonstrated financial need. Thus, there are also no observers – whether representatives from other governments, non-governmental organisations, the private sector or international organisations. States determine their grant awards based on the FAFSA, so there is no need to submit a separate application. Each state has its own FAFSA application deadline, however, so check with your state Department of Education for more information. To qualify for interest-subsidized Stafford or Perkins student loans, the student must demonstrate need by completing the FAFSA. There are two federal programs available nationally: the Stafford and Perkins programs. There are, of course, student loans and parent loans — both of which are becoming more important all the time as families struggle to pay the rising costs of higher education. There are also many private parental loans offered under a variety of terms and interest rates, some allowing repayment over as long as 20 years.
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Although several different repayment plans are available, most students repay these funds over a 10-year period. Stafford loans are slightly more complicated. Interest — capped at 6.8 percent for Stafford loans and 5 percent for Perkins loans through 2013 — is subsidized by the government to keep rates low and only begins to accrue after the borrower begins repaying the loan. Additional Stafford and Perkins loans, with higher annual borrowing limits, are available to graduate and professional students. I think the people who don’t recognize this are the ones who fail to have fun in life-they forget to play and so they lose touch with their inner artistic child. With the birth of social networking Web sites, you’d think that cliques would be a thing of the past. Regardless of whom you borrow from, take this message to heart: Pay on time and you can save money. Each state has its own grant money to offer qualifying students. In addition to federal loans, student should research private loans, which can sometimes offer competitive terms. You still have to physically connect a wireless router to a modem, but you can move your computer from place to place. Employees still have deadlines and goals that need to be met, but telecommuters might not be as micromanaged as those in the office.