Student Loan Limits Not Keeping Up with Tuition Rates

March 8th, 2010

As tuition rates at many colleges continues to rise, the limits that students may borrow each year has stayed the same.

Dependent undergraduates may borrow up to $2,625 their freshman year, $3,500 their sophomore year and $5,500 for each remaining year in Stafford Loans.

Students classified as independent from parents, may qualify for additional unsubsidized loans. Dependent students may also receive unsubsidized loans if parents do not qualify for a PLUS loan.

Unsubsidized loans can be a double edged sword — they allow the student to pay for college, but borrowers do not receive the interest free benefit of subsidized loans.

There is also cumulative limit of $23,000 for an undergraduate education.

The limits on amounts students can borrow though federal loans hasn’t increased since 1992. In that time tuition rates have more than doubled.

According to finaid.org, tuition rates increase at about twice the general inflation rate. On average, tuition tends to increase about 8% per year. In addition, general inflation has caused prices for student housing, meals and other necessary expenses to increase.

For the school year 2005-2006 many colleges dramatically raised tuition rates. An example of such tuition hikes is the University of Colorado where rates rates have been raised for all of the system’s campuses. Tuition at CU-Boulder will go up by 27.8 percent, from $3,480 to $4,446. Other CU campuses will see a similar increase.

The national average tuition for public universities is $4,694 per year for in state residents. For freshmen and sophomore students, the current student loan limit does not even cover tuition costs.

Because of the restrictions with federal student loan limits, students and parents will need to become more diligent in seeking out alternative sources of college funding.

There are many scholarships available nationwide that students can apply for. One of the easiest ways to apply is through the FastWeb online database. There are also many books available that list scholarships that students can apply for.

Part time and summer student employment also becomes more important when education costs rise.

Until the federal government reconsiders raising the student loan limits, students will become increasingly dependent upon scholarships, savings and employment. The lesson for families with children not yet in college is simple — start saving early.

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Case Logic 17″ Slimline Computer Case – Sacoche pour ordinateur portable – noir

March 3rd, 2010

Case Logic 17″ Slimline Computer Case – Sacoche pour ordinateur portable – noir Case Logic: KLC17 Case Logic offre le choix le plus complet des accessoires disponibles. Constamment tâchant de fournir la valeur et la qualité exceptionnelles aux clients, Case Logic s’engage à vous fournir les meilleurs produits et la qualité de service supérieure. Case Logic 17″ Slimline Computer Case – Sacoche pour ordinateur portable – noir

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Selling Video and Podcast Advertising Space on Your Website

March 1st, 2010

Internet marketing and advertising is getting more dynamic, and the tried and true offline model of multimedia marketing is making deep inroads into the Internet. It seems the information superhighway is now even more high tech and interactive.

Traditionally, websites have offered advertisers a mixture of simple and more complex animated banners, buttons and standard text adverts to shout about their offerings. With new and exciting formats like Podcasts, Audio E-mail and Video, advertisers have a great opportunity of capturing our attention through the use of high quality sound and images.

Video has always been a powerful marketing device because we are predominantly visual creatures, and a picture is worth 1000 words. There is no doubt that in this high paced world in which we live, we are becoming even more visually oriented and open to new formats and technologies. The current marketplace allows for videos to be made and uploaded cheaply and posted for free at places like Video Jug as well as the heavily trafficked YouTube. If videos are served on these third party websites, anyone can embed a bit of code and show them on their own website for free.

Podcasts are perfect for people who never sit still but want to gather information. The always-on-the-run person and the multitasker love podcasts, and they can be made to be very dynamic. And, again, they are el cheapo to produce and can be an excellent way of “going viral”, just like a well-tagged YouTube video can be. Podcasts can be used similarly to videos as well. Some market research professionals have estimated that by 2012 there will be 65 million people who listen to podcasts, up from the current approximately 20 million.

If you have a blog or website that receives a high amount of traffic, one way you can make a lot of advertising revenues is through the direct sale of sponsorships. This is where you sell an advertiser the right to have specific posts made that directly pertain to his product, thereby making it easier for him to target that market. Traditionally, the sponsored content appears as a sentence with a hoplink, either before or after the post.

So, with audio and the visual advertising formats rising on the Internet, why not sell podcast and video sponsorships? Since these media are more dynamic and on the rise, you can charge higher rates than for a text-and-picture post, and your advertiser enjoys the benefits of the multimedia marketing approach.

This article May be used on other sites but this resource box and all live links MUST be left intact Andrew Long writes content for advertising websites and runs a subscription service for webmasters and website owners called ARC, which includes topics about Advertising For Your Website and Advertising Space On My Website.

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