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Student Loans -
How to apply for a student loan (FAFSA)
How to repay student loans
How to have one low monthly school loan payment
Defaulting on a student loan
Repayment Plans
North Country Colleges-
Clarkson University
Clinton County Community College
Jefferson Community College
North Country College of Essex and Franklin
Paul Smiths College
St. Lawrence University
SUNY Canton
SUNY Plattsburgh
The State University at Potsdam
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Trade
School & Post Graduation Directory
A
vocational school provides vocational education and is also referred
to as a trade school or career college. The school is operated for the
express purpose of giving its students the skills needed to perform
a certain job or jobs. Traditionally, vocational schools have not existed
to further education in the sense of liberal arts, but rather to teach
only job-specific skills, and as such have been better considered to
be institutions devoted to training, not education.
Trade
School Scholarships
Explore your trade school options. Get information on scholarships available
in your desired field. click
here
A community
college is a type of educational institution. In the United States,
a community college, sometimes called a county college, junior college,
technical college, or a city college. It is an educational institution
providing higher education and lower-level tertiary education, granting
certificates, diplomas, and Associates' degrees. The name derives from
the fact that community colleges primarily attract and accept students
from the local community.
Trade School Loans
See how easy it is to pay for your education.
Request information on available trade school loans in your area. click
here
Many
community colleges have arrangements with nearby four-year institutions,
where a student obtaining an associate's degree in a field will automatically
have his/her classes counted toward the bachelor's degree requirement
Another type of study is towards certification in an area of training
(such as nursing, computer repair, allied health, law enforcement, firefighting,
or welding), which require preparation for a state or national examination,
or where certification would allow for hiring preference or a higher
salary upon entering the workforce.
Community College Degrees
Start working towards an exciting new career. Review your program options
& request free information. click
here
TRADE
SCHOOL
RESOURCE DIRECTORY |
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Take online trade classes and get the training and skills you need to start a new career today. Trade School Loans See how easy it is to pay for your education. Request information on available trade school loans in your area. Trade School Scholarships Explore your trade school options. Get information on scholarships available in your desired field. Vocational Training School .com Review programs at Vocational Training schools. Request info today. Therapy Schools .com Become a Therapist. Get training Online or at a location near you. Electrical Trade School .com Become a Licensed Electrician. An Electrical Technology Program prepares you to enter the Electrical Field. Welding Trade School .com Imagine building skyscrapers, buildings, ships, pipelines -- even satellite launch pads. Request Information. Construction Trade School .com Build your future with skills in construction Roofing Trade Schools .com Learn the roofing trade and start your career in construction right! Veterinarian Tech Schools.com Earn your vet tech degree in as little as 16 months |
Repaying your student loans
What you need to know about repaying student loans...
After you graduate, leave school, or drop below half-time enrollment, you have a period of time before you have to begin repayment. This “grace period” will be six months for a Federal (FFEL) or Direct Stafford Loan. nine months for Federal Perkins Loans (If you’re a parent reading this and you have a FFEL or Direct PLUS Loan, you don’t have a grace period—repayment generally must begin within 60 days after the loan is fully disbursed.)
Reduce
your monthly payments by up to 58%!
If you’ve attended college
or received other education beyond high school, and you received federal
student loans from the US Department of Education (ED) along the way
- You’re now about to deal with paying them back. You’ll need to know
how to manage your student loan debt to avoid repayment problems.
There are several available repayment options so you can successfully
repay your debt. Federal student loans are real loans, just like car
loans or mortgage loans. You can’t just get out of repaying a student
loan if your financial circumstances become difficult, unless you qualify
for bankruptcy. But, it’s very difficult to have federal student loans
discharged in bankruptcy; this happens only rarely. Also, you can’t
cancel your student loans if you didn’t get the education you expected,
didn’t get the job you expected, or didn’t complete your education,
unless you leave school for a reason that qualifies you for a discharge
of your loan - Remember, your student loans belong to you; you have
to pay them back.
Loan Consolidation
A Consolidation Loan allows
you to combine all the federal student loans you received to finance
your college education into a single loan.
New Provisions Permitting Borrowers to Enter Repayment Early Under the
Higher Education Act of 1965, as amended and the Department's regulations,
a borrower can request a repayment schedule that provides for repayment
to commence at a date that is earlier than six months after the date
the borrower ceases to carry at least one-half the normal full time
academic workload.
If the lender grants the request, the loan enters the repayment period
and the borrower waives any applicable grace period. This is the case
even if the borrower is currently enrolled in school. Such a borrower
will be eligible to obtain a consolidation loan to repay the loan on
which early conversion to repayment was granted, assuming all other
eligibility criteria are met. As stated above, the borrower waives any
applicable grace period, now and in the future.
To apply for a Direct Loan Consolidation or an FFEL Consolidation the
borrower must contact the lender and complete an application. Most lenders
provide borrowers with the ability to apply on-line or request an application
over the telephone. Once an application is completed and submitted,
the lender will request information from the borrower’s other lenders
or from its own system to determine the amounts outstanding on the borrowers
loans. The borrower will then receive notification about the consolidation
loan, normal consumer disclosures, the amount owed, and if appropriate,
where to make payments.
Consolidation loans have fixed
interest rates that are based on the weighted average of the interest
rates on the loans being consolidated. A lender can provide a new consolidation
loan borrower with the lowest statutory weighted average interest rate
for loans by using the lower of the weighted average of the interest
rates on the loans being consolidated as of July 1 or the date the lender
received the borrower's consolidation loan application. The lender should
apply a consistent method of determining when an application is received.
Lenders'
Options for Determining Federal Consolidation Loan Interest Rates and
Permitting Borrowers to Enter Repayment Early
If the lender determines that the borrower is still enrolled, the lender
can put the loan that will now be in repayment, into an in-school deferment
status at the borrower's request. The interest rate on the loan would
be the deferment rate. If the borrower consolidates the Stafford Loan,
the deferment interest rate should be used in calculating the weighted
average interest rate on the consolidation loan.
Repayment Plans
When repaying
your student loan, you have some choices in repayment plans (for FFEL
and Direct Loans) that can make repaying easier and help you avoid delinquency
or default. If you’re delinquent, it means you’re late making a scheduled
loan payment (most often, you’re 30 days or more late). Default, explained
in more detail (see default page), generally means you’re 270 days or
more late in making a loan payment. (Note that for Federal Perkins Loans,
however, default is defined as the failure to make an installment payment
when due or the failure to comply with other terms of your promissory
note or written repayment agreement.)
Although default is more serious than delinquency, even delinquency
can be reported to credit bureaus. A delinquency notation remains part
of your financial history and could affect your credit rating. Repaying
your loan on time will help you establish and maintain a good credit
rating, which is crucial when you want to buy a car or a house, or even
if you want to rent an apartment. Sometimes, your credit rating can
even affect whether you’ll be selected for a particular job. It’s important
to keep paying on your student loans!
Defaulting on your Student Loans
If you default, it means
you failed to make payments on your student loan according to the terms
of your promissory note, the binding legal document you signed at the
time you took out your loan. In other words, you failed to make your
loan payments as scheduled. Your school, the financial institution that
made or owns your loan, your loan guarantor, and the federal government
all can take action to recover the money you owe. Here are some consequences
of default:
National credit bureaus can be notified of your default, which will
harm your credit rating, making it hard to buy a car or a house.
You would be ineligible for additional federal student aid if you decided
to return to school.
Loan payments can be deducted from your paycheck.
State and federal income tax refunds can be withheld and applied toward
the amount you owe.
You will have to pay late fees and collection costs on top of what you
already owe.
You can be sued.
How to Apply for a Student Loan
U.S. Department of Education -
FAFSA
Gather the documents you need
Start with your Social Security Number, driver's license, income tax
return, bank statements and investment records.
Print a FAFSA on the Web Worksheet
Write in your answers and gather your parent's information then transfer
the data to FAFSA on the Web.
Plan how to sign your FAFSA
Sign electronically with a U.S. Department of Education Personal Identification
Number (PIN) or by mailing in a signature page.
Apply for a PIN now!
Speed up the process by signing your FAFSA electronically with your
PIN. Your parent can sign electronically too.
Check your eligibility for federal student aid.
Note important deadlines
To meet the Federal Student Financial Aid deadline:
Apply as early as possible
beginning January 1st of each year.
Schools and states have their own deadlines. Contact them for exact
deadline dates.
Clarkson
University
8 Clarkson Ave., Potsdam, New York 13699
315-268-6400. 800-527-6577
Clarkson ranks among the finest universities in the nation, according
to such diverse measures as U.S. News and World Report, the Association
for Independent Technological Universities, and corporate recruiters.
Clarkson focuses on providing a rigorous professional experience, real-world
experiences for a real-world education, and developing a collaborative
community for students, faculty, and staff. website: http://www.clarkson.edu/
St.
Lawrence University
23 Romoda Drive · Canton, NY · 13617 · 800-285-1856
In an ideal location, St. Lawrence is a diverse liberal arts learning
community of inspiring faculty, serious students, accomplished graduates
guided by tradition and focused on the future.It is our expectation
that students at St. Lawrence University engage in the process of academic
planning over their academic career in order to best achieve their academic
goals and reach their full potential. website: http://www.stlawu.edu/
North
Country College of Essex and Franklin
23 Santanoni Ave., P.O.Box 89, Saranac Lake, NY 12983-0089 Phone: 518-891-2915
Toll Free: 1-888-879-6222
North Country Community College is committed to providing, within Essex
and Franklin counties, an innovative, challenging, supportive environment
where the intellectual, career, personal and creative aspirations of
all interested individuals can be realized. website: http://www.nccc.edu/
SUNY
Canton
34 Cornell Drive · Canton, NY 13617 315.386.7011 1.800.388.7123
The State University of New York at Canton is a public, coeducational,
residential college located on a spacious campus along the banks of
the Grasse River. Its northern location places SUNY Canton close to
the Adirondack Mountains, the St. Lawrence River, and major Canadian
cities such as Ottawa and Montreal. website:http://www.canton.edu/
The
State University of New York at Potsdam
44 Pierrepont Avenue, Potsdam NY 13676, (315) 267-2000
SUNY Potsdam, located in beautiful northern New York, is a small liberal
arts college providing an education that is driven by quality delivered
in a way that is uniquely personal. We are one of 64 units of the State
University of New York and one of 13 SUNY Arts and Science Colleges.
SUNY Potsdam offers bachelor's and master's degrees in several areas
of liberal studies, music and teacher education. website:http://www.potsdam.edu/
Jefferson
Community College
1220 Coffeen Street, Watertown, NY 13601 (315) 786-2200
Jefferson Community College (JCC) is a participating eArmyU college.
JCC is one of the 30 community colleges in the 64-campus system of the
State University of New York (SUNY). A two-year public institution supervised
by SUNY and sponsored by Jefferson County, the College offers both transfer
and career programs leading to the associate degree or certificate.
website:http://www.sunyjefferson.edu/
SUNY
Plattsburgh
101 Broad Street Plattsburgh, New York 12901.
Phone: (518) 564-2000Plattsburgh
State's remarkable campus culture and environment combine with an exceptionally
high quality of teaching to produce success for students.
The Plattsburgh
experience challenges students to discover their potential, to seek
new intellectual horizons, and to learn skills that can turn dreams
into realities. It's an experience that calls students to explore new
ground and reach still greater heights of achievement.website:http://www.plattsburgh.edu/
Clinton
Community College
136 Clinton
Point Drive Plattsburgh, NY 12901
Clinton Community
College, a member unit of the State University of New York, is situated
at Bluff Point, approximately 4 miles south of Plattsburgh, on forested
heights overlooking Lake Champlain. While the college features the modern
equipment and facilities necessary for contemporary educational needs,
its distinctive architecture and spectacular natural setting hint at
significant times of the past. In fact, the Bluff Point locale has been
the scene of some of the most important events in the founding of the
American Republic and its tradition. It is fitting that an area so magnificently
beautiful and so much a part of the early development of the United
States is maintained for public use and enjoyment.website:
http://www.clinton.edu/
Paul
Smith's College
Route 86 & 30
P.O. Box 265 Paul Smiths, NY 12970-0265 Tel: 518-327-6227 1-800-421-2605
Paul Smith's College is set in the Adirondacks of Northern New York
amid awe-inspiring mountains, sparkling lakes and lush forests. The
main campus of the 14,200 acre property is on the shores of Lower St.
Regis Lake, providing a safe, comfortable and invigorating environment
to obtain baccalaureate or associate degrees. Bachelor’s programs include
Biology, Business, Culinary Arts and Service Management, Fisheries and
Wildlife Sciences, Forestry, Hotel, Resort and Tourism Management, Natural
Resources, and Recreation, Adventure Travel and Ecotourism (RATE). Alternatively,
careers also start with Associate degrees in programs such as Business,
Culinary Arts, Forest Recreation or Forest Technician, Liberal Arts,
Hotel and Restaurant Management, Outdoor Recreation, Surveying, or Urban
Tree Management. website:http://www.paulsmiths.edu/
Adirondack Trade School Directory
& Technical School Directory
ADIRONDACK BEAUTY SCHOOL
108 DIX AVENUE
GLENS FALLS, NY 12801
(518) 745-1646
TRADE
ADIRONDACK DENTAL ASSISTING SCHOOL, INC.
410 ROWLAND STREET
BALLSTON SPA, NY 12020
(518) 363-0888
TRADE
AESTHETIC
SCIENCE INSTITUTE (THE)
1202 TROY SCHENECTADY ROAD
LATHAM, NY 12110
(518)
786-0760
TRADE
ALTAMONT PROGRAM, INC.
(THE)
347 SOUTH PEARL STREET
ALBANY, NY 12202
(518) 465-8034
BUSINESS
ALTAMONT PROGRAM, INC. (THE)
575 BROADWAY
MENANDS, NY 12204
(518) 465-8034
TRADE
ALTAMONT PROGRAM, INC.
(THE)
428 DUANE AVENUE
SCHENECTADY, NY 12304
(518) 377-2448
TRADE
ANDREWS & HOLBROOK TRAINING CORP.
4 BRITISH AMERICAN BOULEVARD
LATHAM, NY 12110
(518) 783-0649
BUSINESS
AUSTIN'S SCHOOL OF SPA TECHNOLOGY
527 CENTRAL AVENUE
ALBANY, NY 12206
(518) 438-7879
TRADE
BARBIZON MODELING OF ALBANY
1991 CENTRAL AVENUE
ALBANY, NY 12205
(518) 456-6713
TRADE
BRANFORD HALL CAREER INSTITUTE
500 NEW KARNER ROAD
ALBANY, NY 12205
(518) 456-4464
BUSINESS & TRADE
ENGLISH CONNECTION
77 RAILROAD PLACE
SARATOGA SPRINGS, NY 12866
(518) 581-1478
ESL
INSURANCE TRAINING INSTITUTE
HOWARD JOHNSON,
1614 CENTRAL AVENUE
ALBANY, NY
(518) 758-6609
TRADE
JOHN PAUL'S HAIR, NAIL, & SKIN CARE INSTITUTE
2144 SARATOGA AVENUE
BALLSTON SPA, NY 12020
(518) 583-3700
TRADE
JOHN PAUL'S HAIR, NAILS, & SKIN CARE INSTITUTE
638 COLUMBIA STREET EXTENSION, SUITE 1
LATHAM NY 12110
(518) 783-0808
TRADE
JORDAN LYNN SCHOOL FOR APPEARANCE ENHANCEMENT
(THE)
1801 ALTAMONT AVENUE, SUITE 2
SCHENECTADY, NY 12303
(518) 356-0368
TRADE
MODERN WELDING SCHOOL
1842 STATE STREET
SCHENECTADY, NY 12304
(518) 374-1216
TRADE
NEW HORIZONS, ALBANY-TECH VALLEY
10 AIRLINE DRIVE, SUITE 101
ALBANY, NY 12205
(518) 452-6444
BUSINESS
NEW SCHOOL OF RADIO & TELEVISION (THE)
50 COLVIN AVENUE
ALBANY, NY 12206
(518) 438-7682
TRADE
NORTHEAST
BARTENDER'S SCHOOL
1 BARNEY ROAD
CLIFTON PARK, NY 12065
(518) 279-4201
TRADE
ORLO SCHOOL OF HAIR DESIGN (THE)
232 NORTH ALLEN STREET
ALBANY, NY 12206
(518) 459-7832
TRADE
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College loans bear biggest part of budget-cutting plan Tuesday, December 20, 2005; Posted: 10:58 a.m. EST (15:58 GMT) |
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For students, the upshot is mixed. Excessive government payments to banks would be halted, freeing up some dollars for new grants, larger loan limits and reduced loan fees. But overall, the student loan program would endure the largest cut in its history, and most of the money would not be pumped back into education. Instead, under a plan the House approved Monday, the money would be counted only toward reducing the federal deficit. "At
a time when the entire country believes we need to make higher
education more affordable, Congress is trying to balance the budget
on the backs of students," said Jasmine Harris, legislative director
for the United States Student Association. Parents who take out loans on behalf of their students would pay higher interest rates. And other parts of the college package could indirectly drive up costs for students, if banks pass on new expenses or offer less attractive loans as their profit margin shrinks. "You don't want to say the news is all bad. It's a decidedly mixed bag," said Terry Hartle, senior vice president of the American Council on Education, the largest coalition of colleges and higher education groups in the nation. "But on balance, one comes to the conclusion that this is a sad step in the history of the student loan program," Hartle said. The $12.7 billion in college cuts are part of an effort, led by conservative Republican lawmakers, to show discipline with the public's money. But Democrats say GOP leaders only want to pay for tax cuts, all the while eroding the ability of parents to pay for college. The timing of Senate action was unclear. Colleges and university associations scrambled Monday, urging the Senate to reject the bill as the Congress tried to end its 2005 work. Within higher education, the single biggest cut appears to be in the profits of lenders. Under current law, banks get to keep the excess money when the amounts that students pay in interest exceed the rate of return that the government has guaranteed. That would end. Lenders would have to refund the difference to the government, meaning billions of dollars. "We
were able to reduce spending through changes in the way lenders
operate," said Mike Enzi, R-Wyo., the chairman of the Senate education
committee. "But at the same time, we shielded the direct impact
to students, and actually increased student opportunities." The interest rate for parent loans would increase to a fixed rate of 8.5 percent in July. It is now a variable rate and had been set to move to a fixed rate of 7.9 percent. Meanwhile, the interest on students loans would also move to a fixed rate of 6.8 percent in July, up from its current variable rate of 4.7 percent. But that change was already set to happen under law, and the deficit-reduction bill does not alter that plan. Student groups tend to support a fixed rate as a protection against unstable, rising interest rates. Loan limits would increase from $2,625 to $3,500 for first-year students, and from $3,500 to $4,500 for second-year students. The total borrowing limit allowed for undergraduates would remain at $23,000. Lawmakers aimed for a compromise of letting students borrow more at the start of college, reflecting current needs, without sanctioning a bigger overall debt. The bill would offer grants to poorer, high-achieving students in the first two years of college and older undergraduates studying math, science or high-demand foreign languages. John Boehner, R-Ohio, the chairman of the House education committee, said the bill "offers significant new benefits to students pursuing a college education." But critics said the size of those benefits doesn't come close to offsetting the cuts. Said
Bob Shireman, director of The Institute for College Access and
Success: "Overall, there will be less money out there for helping
students pay for higher education. And it's not being returned
to the system, except in some small ways." |
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