Education Articles
A College Degree Is Nearly A Necessity
(category: Education, Word count: 573)
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Your education is the single greatest gift you can give yourself. While there are educational opportunities all around us, some of them come at a greater cost than others. A college education might require a hefty investment of time and money upfront but the pay off is much better over time than if you used your life experiences in order to achieve the same level of education that you can pack into 2, 4, or 5 years of an undergraduate education on the college level.
In other words, over the course of your lifetime you are likely to pay far less for your college education than you would pay (in earning potential) for not having a college education. At the same time, each level of college education you receive increases your overall earning potential. This means that a one-year degree in a technical field will provide a modest boost from a high school diploma when it comes to earning potential but an associate's degree will provide an even better boost. You will see an even more significant improvement in earning potential when you increase from an associate's degree to a bachelor's degree. The vast majority of students enter the work force upon completion of a bachelor's degree. Those students, however, who remain in school for graduate studies often, find that a master's degree even further improves their lifetime earning potentials.
The problem for most when it comes to making the jump between degrees and educational levels is cost. There are times in life when we simply need to get out of school and get to work. The good news is that it is gradually becoming easier for those with careers to further their education without sacrificing either their careers or their family during the process. Of course there will be some sacrifices along the way but it isn't an all at once or nothing endeavor. You can work towards your degree by taking online classes, night classes, and Saturday classes. The information age has made it easier than ever before to achieve the educational goals you need to meet in order to satisfy your dreams for the future.
Your level of education will get your foot in the door when it comes to certain jobs and your lack of education will limit you far more than a lack of experience will limit you in many cases. As time grows on, more and more companies are seeking employees that have degrees rather than those who have experience in the field. If you hope to remain competitive in the business world you need to arm yourself with the proper education. Check with your company to see if they offer any sort of incentives for employees continuing their education. You might be surprised to find that your company offers to match your tuition funds or even completely reimburse them if you are working towards a degree that will assist you in your job functions.
There is no wrong reason to get an education. Even if you are applying for a job that won't use your specific degree, you might find that having a degree at all gives you a boost over other applicants for the same position. A college degree is becoming more and more necessary in today's business climate. You need to take every opportunity that is available to you in order to get your college degree.
A Community College Education Is A Good Start
(category: Education, Word count: 628)
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Many people search and search for the University they will attend upon graduation from high school. Eager students look forward to their time at university while parents wring their hands hoping that their children choose to attend a university that is not only close to home but also within their budget limitations. Another worry that parents have when their children decide to attend college is whether or not that university they attend will have the specialized and individualized services that their children were accustomed to receiving in high school. Face it; larger universities tend to be rather impersonal when it comes to the education of their students.
One answer to all those worries and more is to transition your students from high school to a two-year college rather than throwing them to the university wolves so to speak. Many people find that two-year colleges can in fact provide superior educations to four-year universities for those first two years or foundation college level courses. You will not get the specialized or specific instruction in a two year college that is available to upper level students on a university level but most students find the first two years of their college educations focused on getting the requirement and pre-requisite courses rather than the specialized courses in their intended field of study.
Many people also find that those first two years at a community college-transitioning from a small pond to a larger lake-are much easier to handle than going straight from high school to a university-out of the pond and into the ocean. Universities often have lower level classes as auditorium classes. These classes offer little individual instruction and are often sink or swim sorts of classes. Those students who have special learning needs are often lost in the shuffle when entering a university. Community colleges offer smaller classes and ample opportunities for tutoring as well as classes on how to learn to study.
Two-year colleges are also much easier on the budget than most universities. Most people find that community college does not place nearly the financial burdens on families that universities place. Add to that the fact that most community colleges offer very flexible class scheduling and even some courses online and you will find that there are many reasons to consider community college that go well beyond mere budgeting requirements.
Another benefit to students who wish to enter the work force sooner rather than later is that you can actually get a degree or certification in certain programs from a two-year college. This means that you can actually graduate and begin earning much sooner than if you were to attend a four-year college in search of a degree. If you aren't sure you want to invest the next four or five years of your life in pursuit of a degree or you simply aren't ready to commit yourself to one line of work for the rest of your life it is a good idea to spend two years in a community college rather than making the leap straight into a university setting.
If you are considering whether or not a community college or two year education is the best course of action for your specific needs, I really recommend creating a list of pros and cons of each and balancing your budget to see where your needs are most likely to be fully met. Remember you can always transfer to a university once you've completed your two-year college education or at any time during that education as long as you meet the universities admission requirements. Good luck and remember that your college education is one of the largest indicators of your future earning potential so take it seriously.
Why A University Education
(category: Education, Word count: 586)
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The world in which we live is constantly evolving. We are demanding more and more from our citizens than ever before and in order to live up to the demands of the world we need a solid education upon which to base our skills and knowledge. There are many alternatives available for receiving an education these days, which is good news for those who have not yet managed to obtain a four-year college degree. Truthfully, that degree is the difference in literally hundreds of thousands of dollars over the course of a lifetime than not having a degree.
Four Reasons for a Four-Year Education
Money. The first reason that you should consider a university degree is the fact that it will substantially increase your earning potential. If nothing else appeals to you, this is typically the one reason that most people return to school after years in the work place. If you are in high school and haven't really had to deal with the bills and burdens that many adults face it's difficult to explain how important any edge when it comes to earning ability truly is. However, you should be aware that you need to choose your major wisely if money is your sole motivation. Not all careers pay equally when compare to the education required to enter them.
Insurance. This may seem like a strange term to use when discussing why you should get a university education but this is perhaps the best insurance you can find as far as employability goes. Having a university degree gives you a competitive edge over those who do not. In many cases you will find that education is beginning to trump experience as employers are seeking workers with more rounded skills rather than those with very specific skills. The modern university typically requires a brief exposure to all kinds of information and coursework that isn't necessarily related to your major. This provides graduates with a broader understanding of the world (at least that is the assumption).
Employability. Believe it or not, those with degrees are much more employable than those that do not have them. There was a time when the trend was to employ those who had experience over those who had education. That trend is rapidly evaporating as companies want employees that can fill multiple roles more and more often. The limited exposure to certain ideas or ideals and principles that most people receive as part of their university education makes you a more employable candidate because you should be able to adapt and adjust, as this was required during your educational process.
Confidence. There is nothing quite like believing in yourself. Getting a four-year education is one way to build confidence not only on a personal level but also on a professional level. Whether or not you realize it, this is often the best reason for pursuing a university degree. This reason, as a matter of fact, will actually affect all of the other things I mentioned above. If you have more confidence in your ability you will be more willing to go out there and get the job done. As a result, you will earn more money and you will insure that you are an asset to your company by proving yourself to be just that.
Regardless of your personal reason for pursuing a university degree there are very few wrong reasons to get your degree. Good luck in your educational pursuits. I know they will serve you well.
Is An Online Education Right For You
(category: Education, Word count: 665)
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We live in the information age. We have grown so accustomed to information at the speed of light that the prospect of not having immediate access to countless numbers of facts and figures with the mere click of a few buttons for many of us is simply disconcerting. For this reason, it only makes sense that there are many people across the nation and around the world that are embracing the idea of online learning and educational opportunities with every ounce of enthusiasm they can muster.
At the same time there are equal numbers of people around the world who are trying desperately to hold on to traditional methods of dealing with certain things. In fact, some people actually still play solitaire with a deck of playing cards. For people who feel that the information age has left them behind to some degree the chances are quite good that online learning may not be the best available option for you.
Below you will find a few questions that can help you narrow down whether or not you would truly benefit by taking some of the many online courses that are being offered in today's information age of learning.
1) Are you disciplined? This may seem like such an innocuous question because we would all like to think that we are disciplined to some degree. The problem is that when you are in the driver's seat for your own education you need to have a little more than some small degree of discipline. You need to be able to meet deadlines, take the tests, and hold yourself responsible for actually learning the information that you need to learn in order to pass the course. There is no one to blame but yourself if you do not manage to do well in your online classes and some people simply do not like being in the drivers seat when it comes to motivating and pacing themselves and their learning practices.
2) How do you learn best? We all have different methods of learning for which we retain information better than others. Online courses are reading intensive. If you have difficulties retaining the information you read you may need to find an alternate learning method or seek solutions with the assistance of the course instructor before moving forward in an online learning environment.
3) Do you have a true desire to succeed? The answer to this question is quite important in determining whether or not online learning is in your best interest. There are many paths you can take in order to achieve the education and degree you desire. This is not the path of the masses, at least not yet. This type of learning, more than any other is easy to give up on through apathy. If you aren't determined to do the assignments, to study the notes, and to really learn the material that is presented to you then you really do not need to waste your time or the instructor's time by continually making up excuses. Online courses are largely self-paced but you do have a limited amount of time in which to learn the material before you need to move on. The teacher is responsible for providing you the information and material but you are responsible for everything that happens from that moment on. Are you ready for that responsibility?
Whether you are a first time college student or a professional that is returning to school after a long absence online learning can open new doors of opportunity for your learning pleasure. You must be willing to walk through those doors and take the information that is presented to you however in order to be successful. My sincere hope is that everyone reading this will carefully consider whether or not the lack of structure that many online courses provides is going to be conducive to your specific learning and educational needs before taking the plunge.
Financial Motivation For Two Year Education
(category: Education, Word count: 672)
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When it comes to college, you are considering an expensive proposition any way you look at it. There are however, ways in which you can greatly reduce your overall expenses when it comes to getting your college degree. The first method, which in many cases is the most preferred, is by attending a community college for the first two years of your college educational experience. Believe it or not you can literally save thousands of dollars over the course of spending two years on the community college level.
You will hear all kinds of arguments on why it is better to attend all four years at a university. The universities almost always make these arguments. Unfortunately, their opinions are a little bit biased in these matters. Most universities offer equivalent courses with community colleges meaning that the first two years of study should transfer with no problems or snags along the rocky road to your degree.
The universities make money each semester you begin class as a student. It is in their best interest financially to have you from the beginning rather than as a transfer. In fact, many universities offer lower level classes as auditorium classes. They pack more students into classes and have fewer professors or graduate students teaching the courses and maximize their money off the first and second year students rather than those in upper level courses. Yet another reason to consider a community college for the first two years of you education.
Getting back to the expenses of a community college, most community colleges are largely commuter campuses. This means you won't face the high housing costs that are associated with universities, particularly if you are attending college close to home. Community colleges also offer far less distractions that cost additional money than most major universities. This doesn't mean that there aren't ample social opportunities; it simply means that there are fewer of them. This also leaves fewer distractions than universities present when it comes to studying.
Community colleges simply cost less all around. While it would be nice if you could receive a full four year education at this level, they are able, for the most part, to keep expenses down by not requiring the level of qualification that universities require of their professors for upper level courses. You will have excellent, if not superior quality of education at lower levels than you would have on the university level, but you will also eventually need to move on to the university level in order to complete your education.
For this reason, you would do well to save half of your savings over university costs for each of the two years you are attending community college and apply it to your university education. This will ease the burden of the additional costs of the university and feel as though you are paying the same amount for tuition throughout your education regardless of the fact that you are literally saving thousands of dollars on your educational expenses.
Some states have educational savings plans that allow parents to save for tuition at current costs by enrolling. These plans cover two years of community college education and two years of university education. By locking in today's prices you are eliminating the inflation. When you consider the fact that college tuition is increasing at an alarming rate this is by far an excellent way to go. You should check with your state and see if they offer a similar plan to parents of younger children and what the requirements are in order to enroll your child today.
If you are looking for a real value in education whether or not you only go for your two year degree of move on to a university in order to finish your four-year degree you should find that a community college education offers a significant value for the money. Most people find that every penny they spent in a community college was a penny well spent.
Online Education Offers Unparalleled Learning Freedom
(category: Education, Word count: 667)
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As the information age rolls on we are finding more and more universities that are willing to invest in the education of students who may not necessarily be in a position to attend classes at that particular university. The offerings are still somewhat limited but there are opportunities to earn associates, bachelors, and even master's degrees strictly though online course work. This is something that was virtually unheard of even a few years ago.
Today's students truly do have more options available to them than ever before if they are willing to invest the time and effort into their studies, there are few limits to the level of education you can receive, even if it has been years since you last attended a university or community college. Even those colleges and universities that do not offer full fledged degree programs exclusively through online learning mediums are beginning to offer many courses online for students with busy schedules and lifestyles. This means that you now have the opportunity to combine distance or online learning with a few night or weekend courses in order to complete your degree even if you have a full time day job and family that needs to see you at home on occasion.
Even if a degree is not something you are necessarily seeking you might be amazed at the wide array of courses that are available for those interested in increasing their depth of knowledge on different issues from the comfort of their own homes. I know that the idea of self-directed online learning opportunities appeal to me on many levels. These opportunities however, are not necessarily a good idea for everyone. We all learn in different manners and some of us learn best by actually being in the classroom and hearing what has to be said or from hands on experience. This type of learning is not necessarily possible when it comes to distance learning in an email or bulletin board type of environment, which is how many Internet classrooms operate.
Online learning is also not a good idea for those who aren't perfectly willing, able, and capable of holding themselves responsible for their learning. Face it, for some of us it is much easier to get up and go to a classroom than it is to force ourselves to log on and pay attention at home. We all have areas in which our discipline is well in hand and others where we seem to have no discipline whatsoever. If you can't hold yourself on task or have difficulties not being distracted by the many other novel things there are to do online you might be best served through an actual classroom experience rather than a distance learning environment like those of online classes.
This is not meant to discourage you from distance learning or online classrooms. In fact, I think these are by far the best option for many working professionals who are seeking to advance their careers, knowledge, and/or earning potential. You will not need to feel as though you are choosing between the future needs of yourself and your family and the limited time you have with your family already. You can schedule around your family time and make the sacrifice when it comes to sleep.
With online classes it doesn't matter if you are in your pajamas or in a suit and tie you can still do the work you need to do online and no one will be the wiser. You also might find that you can squeeze your education into your lunch hour, particularly if you can type and chew at the same time. The truth is that online classes offer superior flexibility to those hoping to further their education. Whether you are hoping to earn a degree or simply wish to broaden your horizons by taking a few online classes, you just might find that the possibilities are limitless once you begin taking these courses from home.
Are Student Loans Becoming Necessary Evils
(category: Education, Word count: 745)
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When it comes to getting a college education most people can agree that the costs can be staggering at best. Even the least expensive colleges in the nation can add up over a four or five year period of time creating crippling debt for those who do not qualify for some of the better grant programs of substantial scholarships.
The problem lies in the fact that the parents of most traditional college students make too much money to qualify for the free financial aid that is needs based and very few qualify for the limited number of scholarships that are available to students based on merit. Even among those that qualify competition and fierce and there are no guarantees. Enter the student loan. There are all kinds of student loans and unfortunately with rising costs associated with college attendence and the growing necessity of a college degree for success in this country it is becoming more and more difficult to pay the price that is associated with higher education.
There are three types of loans that are commonly found for college students. They include federal student loans, federal plus loans, and private student loans. Each type of loan has advantages and disadvantages that are unique to that particular loan. Below I will give a little information about each of the loan types and whom they may benefit.
Student loans. There are three different types of student loans: subsidized, unsubsidized, and Perkins loans.
Perkins loans are only available to students who display exceptional financial need. These loans are available at a 5% interest rate and are available to both graduate and undergraduate students. Perkins loans are extended through the university you attend and will be repaid to the university unlike the other types of student loans, which are repaid to the lending agency.
Subsidized student loans are loans in which the interest is deferred until graduation or you cease to be a qualifying student. What this means is that while you are responsible for repaying the loan upon graduation the interest on these loans does not begin to accrue until your begin repayment 6 months after graduation or your cease to be at least a half time student of the university. You must qualify based on your income in order to receive a subsidized student loan. While the needs requirements for these loans isn't as grave as those required in order to receive a Perkins loan you must still qualify.
Unsubsidized student loans do not require qualification on a needs basis. You must be a student and enrolled at least half time in order to receive an unsubsidized student loan. The good news however for those who do not qualify based on needs for other student loan options is that this type of loan is available to all qualifying students regardless of need. The interest on these loans however begins to accrue immediately, which means they can really add up over time.
PLUS loans are loans that are taken out by the parents of students who need the funds in order to cover educational expenses. The maximum amount that can be borrowed is the cost of attendence minus any financial aid awards the student has already received. The repayment on these loans begins 60 days after the loan is dispersed and the repayment period can be up to 10 years.
In order to cover the costs involved in education that go above and beyond what the government recognizes as acceptable college related expenses you can opt to go the route of private student loans rather then relying solely upon federal financial aid for your student loan source. These loans require that you qualify in order to receive them based on your credit rather than your need and must be used for educational purposes only. With these particular loans you really need to make sure you read all the fine print as different companies offer different conditions and different perks. You should really take the time and compare prices and options before taking out a private student loan and this should be done only as a last resort.
Student loans for many can be the difference in attending college and getting the education you are hoping for and not being able to pay the high costs that go along with higher education. For this reason you should treat them with respect and not take them lightly.
The Dollars And Cents Of A Four Year Degree
(category: Education, Word count: 697)
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When it comes down to the importance of an education there is no denying that the longer you stay in school the better off you are when it comes to earning potential over the course of your lifetime. Recent estimates have presented some rather astonishing figures to support these claims however, and I for one think they are well worth mentioning.
Let's discuss first things first however. A high school diploma will net the average citizen $200,000 additional dollars of lifetime income on average. This is one small baby step when it comes to the educational process however. Some college, even without a degree will even increase that figure an additional $150,000 for a total of $350,000. If this isn't enough to convince you however try the facts and figures that are associated with the additional earning potential that a four-year degree introduces: $500,000. This addition makes a total of $850,000 more over the course of a lifetime in earning potential. I don't know about you but I find those figures to be quite a nice motivator for going back and finishing a degree.
While a person's education may not be an accurate indicator of his or her actual ability it is often used in the business world to narrow down a growing field of applicants for a sadly stagnate number of positions across the country. There are things you just can't see on a piece of paper and ability and capabilities are among those things. Businesses need a defining factor by which they narrow down the field of potential employees and that defining characteristic is often a college degree in the field of business or a complimentary major course of study.
While this may not seem fair to many who have the practical skills companies are seeking employees that can fill multiple roles in order to eliminate positions that have been occupied in the past. For this reason they want business people who have technical skills and a college education provides a brief introduction to many skills that are useful in these situations. Unfortunately, the only way to know whether or not you have these specific skills is if you list them on your resume while those who have a four-year degree are believed to have them by the merit of their educations.
The earning potential alone should be enough to turn your head when it comes to the importance of earning a college degree though there are many more excellent reasons to pursue the completion of your degree. If you haven't considered some of the other wonderful reasons for returning to college and getting your degree, perhaps the reasons below will provide a little additional motivation.
1) Challenge. There is very little in life that offers the challenge of returning to college after an absence. It is a frightening prospect for many and yet can be equally as exciting. You will find that the constant exposure to academic debate is a great way to feed your mind and open your eyes to new ideas. Challenge your preconceptions and challenge the limits of your own experiences by opening up your mind to the thoughts and ideas of others.
2) Learn New Skills. There is never a bad time to begin learning new skills no matter what they say about old dogs and new tricks. The truth is that as long as you open your mind to learning you are feeding it and that is a great thing.
3) Career advancement. Whether you realize it or not, a college degree is one of the quickest paths you can take to career advancement.
If the money wasn't enough to convince you of the impact that a four-year degree can make in your life perhaps the reasons mentioned above were enough to do the trick. Whether or not you realize how much a degree can affect your life the truth of the matter is that it can improve so many things about your life and how you view yourself and the world around you. Now is the perfect time to go back to school and earn your degree.
Educational Savings Accounts
(category: Education, Word count: 665)
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When it comes to getting a college education, financing is one of the most important considerations that you will need to make. Unfortunately for far too many it is one the last considerations that is made when it comes to the educations of our children. If you are a parent you owe it your child and yourself to plan ahead and plan carefully in order to cover the cost of your child's education. There are fortunately, a few great ways in which you can do this.
The most common is to begin by opening up an educational savings account for your child (under the age of 18). When you open up an educational savings account for your child, you can contribute up to $2,000 per year per child. This is a combined total contribution however and includes the contributions of grandparents, friends, and family in addition to your own personal contributions. The money from these funds can be withdrawn tax-free as long as they are used for educational purposes.
Educational expenses in this case include books, tuition, fees, supplies, and college room and board provided that your child is at least a part-time student. If you do not use all the funds for your child there are options as far as what to do with the remaining funds in the account. The first option would be to leave the funds in the account and allow the account beneficiary to withdraw them up until the age of 30. There is a penalty involved and the beneficiary will be required to pay income tax on those funds. You could also elect to roll those funds over to the next child under the age of 18 who will have educational expenses in the future.
The money you set aside in these accounts to cover the cost of the education of your child or children is not tax-deductible however, it is a great way to begin saving money and investing in the future of your child. If you begin investing the maximum amount $2,000 per year upon birth your child should have a nice nest egg to help cover educational expenses. If your child is fortunate enough to qualify for scholarships and other sources of financial aid you can turn the funds over as a graduation gift or save it for the next college student in your family that comes along. Either way you've saved yourself a good part of the worry that goes along with providing for your family by having this fund set up for your children.
You can sign up for programs like Upromise in order to subsidize your contributions with donations from corporate sponsors as their way of thanking you for buying their products or using their services on any credit cards that you, your friends, and your family members have registered to go into your child's account. Every edge you give yourself when it comes to investing in the education of your children is an edge worth having. College tuition rates are rising at an alarming rate while corporate expectations of college degrees are rising at the same near lightening speed. This means that a college degree is more critical for our children than in any past generations.
Take the time now to check into securing the future of your children by establishing an educational savings account. Let friends and family know that any gifts they are planning to give your children that involve money would be appreciated if they instead invested in the future of your children rather than the now. You can also ask your friends and family to sign up their credit cards with Upromise in order to provide a little bump in donations to your child's college savings account. These little steps add up to significant savings over the course of 18 years. You just might find that the investment you are making is adequate to cover the costs of your child's tuition in full.
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