Students Tips

Regardless of what reasons, adult learners who re-enter a college to further their study need to prepare themselves to go through their learning path successfully. However, the older the student and the longer delayed of college experience may cause an adult student to have a problem to re-adapt the learning environment; this explains why many of them tend to leave their study half-way without completing what they have started. So, if you have decided to go back to college for a degree, don't become one of the drop-out adult students.


Tips For Successful Learning As an Adult Student

Debt Advice




Debt advice is a topic that many young adults and college students ask about. While there is so much technology out there today and so much information, there is still a lack of knowledge about finances, especially in regards in how it affect young people and students. In general, young people have a lot of student loans, credit card debt, car loans, and low savings.

What can students do in order to improve their financial situation? One of the most important things that a younger person to do it to gain knowledge about their finances. Knowledge is one of the most popular weapons in the war against bad finances that a person of any age can have, especially a young person. In terms of dealing with student loan debt, the student should always work to begin to make payments as soon as possible in order to get them paid off, but there are more issues in terms of student loan debts.
While student loan debt may not be avoidable, the amount of loans can be affected by the decisions of a student. Could the student go to a community college or a public college, where the average price of tuition is much cheaper? Credit card debt is a particular problem for many people, especially younger people. Due to the fact that many young people don't make that much money, they need to rely on credit cards more than the average population.
To reduce this problem, young people should consider reducing the amount of items that they charge on cards and consider getting a part time job in order to have more money going in while they are attending school. By making some adjustments, via effective debt management, in their life's young people and students can improve their financial situation in the present and the future, helping the next generation be stronger than the last one.


Trying to settle student loan debt can be a taxing process. Here are a few things to remember when it comes to trying to settle your debt with ease.

Step One- Loan Forgiveness

Before you jump in to trying to settle student loan debt, you may want to look in to the programs available to forgive or cancel the debt entirely. As of July 2009 there will be more programs available to help with this. There are programs intact that help people working in certain jobs to forgive part or all of your loan. If you work in a civil servant position, certain volunteer organizations, the healthcare field in some area's or work for any form of government and make less than a certain amount per year you may be eligible for loan forgiveness. These programs work differently depending on which one you qualify for. You may have to work for up to five years in the field, or work a set number of hours per year, but you may be able to have pretty big portions of the loan forgiven.
There are also programs available that will allow you to lower your payments based on a sliding scale. Some people will qualify for $0 payments. It's best to explore these options before trying to settle the debt.

Step Two- Understand Appropriate Settlement Offers

If you call your lender and ask to pay a very small percentage of the original loan, they will likely not want to work with you at all. When you try to settle student loan debt you need to keep realistic expectations.
If the loan is still current you may be able to shave off up to 30% of the loan with a settlement offer. The general rule of thumb is to subtract the interest over the life of the loan, and offer the principle amount. If the loan has already gone to collections then you can get away with a lower settlement offer. Start by offering 25% of the loan amount, and if that doesn't work go up from there. You can usually get a collection agency to settle for around 50% of the original loan amount.


Step Three- Create A Fund
If you try to settle student loan debt without having a lump sum payment to offer your odds off getting a decent settlement will be much lower. If you can see that you are struggling and may need to consider a settlement, create a fund dedicated to saving for this. You must be able to commit to regularly putting money aside for this.

Notes :

An Individual Voluntary Arrangement or IVA is a legally binding debt repayment agreement between you and your creditors in which you come to an arrangement with people you owe money to. It helps those in financial difficulties to make a formal proposal to settle their debt. IVA's were introduced by the government as part of the Insolvency Act in 1986 as an alternative to bankruptcy. An IVA allows you make one single manageable monthly payment, based on your budget, over a five year period. After that the remaining debt is usually wiped clean, leaving you completely debt-free.

Top Five Tips For Student Success in Exams and Tests

Firstly, study smart and not study hard. A lot of students make this mistake when they are studying for a major test or exam. The week before exam, ask your teacher or lecturer for the topics will come out for test in order to get yourself prepared. Give yourself ample time to study for a particular paper. The important key is to understand the topics and not just memorize it. By understanding it well, you will tend to remember it better.

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Secondly, pack your bag. Make sure everything you need is in the bag. This includes stationery like pencil, eraser, ruler and sometimes calculator.

Thirdly, have sufficient sleep during the night. The night before exam, make sure you have enough sleep. It is important so that your brain and body can function well the next day.

Fourth, eat breakfast. Breakfast is the most important meal in our daily life but most people like to skip it. Many students tend to forget their breakfast in order not to be late for school. This happens to all and not only students because in the morning, people are rushing. However students cannot concentrate at class. Students also can think well when they have a full stomach. It help fuels the body to help provide energy for us to have problem solving abilities throughout the day.

Fifth, have some time management. Before starting to do the paper, look through the paper to get a rough impression on the paper. Read the instruction given to each question and the marks allocated for each question. Next, you can start answering the easier questions in order to save time. Look through the clock so that you do not exceed time on allocated time for each question. Write neatly and accordingly so that the teacher who marks your answer sheet can see properly. When you are completed with the answer, check your answer to make sure you are satisfied with all the answer given.