Reviews on Student Sub-Cultures

An important latent function of education relates directly to student life: School provide for student’s social and recreational needs . Education helps toddlers and young children to develop interpersonal skills that are essential during adolescence and adulthood. In their high school and college years , students may meet future husbands and wives and establish lifelong friendships
When people Observe high schools, community colleges, or universities from the outside, students appear to constitute a cohesive, uniform group. However, the student subculture is actually complex and diverse. High School cliques and social groups may crop up based on race, social class, physical attractiveness, placements in courses, athletic ability, and leadership roles in the school and community. In his classic community study of “Elm town,” August B. Hollingshead (1975) found some 259 distinct cliques in a single high school. The Cliques, whose average size was five, were centered on the school itself, on recreational activities, and on religious and community groups.
Amid these close-knit and often rigidly segregated cliques, gay and lesbian students are particularly vulnerable. Peer group pressure to conform is intense at this age. Although coming to terms with one’s sexuality is difficult for all adolescents, it can be downright dangerous for those whose sexual orientation does not conform to societal expectations
Teachers and administrators are becoming more sensitized to these issues. Perhaps more important, some schools are creating gay-straight alliances (GSAs), school-sponsored support groups that bring gay teens together with sympathetic straight peers. Begun in Los Angeles in 1984, these programs numbered nearly 3,000 nationwide in 2005; most were founded after the murder of Matthew Shepard, a gay college student, in 1998. In some districts parents have objected to these organizations, but the same court rulings that protect the right of conservative Bible groups to meet on school grounds also protect GSAs. In 2003, York City public schools moved an in-school program for gays, bisexuals , and transgender students to a separate school of their own. The Harvey Milk High School was named in memory of San Francisco’s first openly gay city supervisor, who was assassinated in 1978 (Gay, Lesbian and straight Education Network 2005)
We can find a similar diversity of students groups at the college level. Burton Clark and Martin Trow (1966) and more recently. Helen Lefkowitz Horowitz (1987) have identified four distinctive subcultures among college students:
1. The collegiate subculture focuses on having fun and socializing. These students define what constitutes a “reasonable” amount of academic work (and what amount of work is “excessive” and leads to being labeled as a “grind”). Members of the collegiate subculture have little commitment to academic pursuits . Athletes often fit into this subculture.
2. The academic subculture identifies with the intellectual concerns of the faculty and values knowledge or its own sake
3. The vocational subculture is primarily interested in career prospects, and views college as a means of obtaining degrees that are essential for advancement
4. Finally, the nonconformist subculture is hostile to the college environment, and seeks out ideas that may or may not relate to academic studies. This group may find outlets through campus publications or issue-oriented groups

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Student Loans: Knowledge Is Power, And We Have What You Need

Acquiring a student loan is what allows many people to get a quality education when they otherwise might not have been able to afford it. However, student loans are not as simple as they appear. Continue ahead to the following article, and get that quality education you deserve!

Make sure you keep track of your loans. You should know who the lender is, what the balance is, and what its repayment options are. If you are missing this information, you can contact your lender or check the NSLDL website. If you have private loans that lack records, contact your school.

When it comes to student loans, make sure you only borrow what you need. Consider the amount you need by taking a look at your total expenses. Factor in items like the cost of living, the cost of college, your financial aid awards, your family’s contributions, etc. You’re not required to accept a loan’s entire amount.

If you have taken a student loan out and you are moving, be sure to let your lender know. It is important for your lender to be able to contact you at all times. They will not be too happy if they have to go on a wild goose chase to find you.

Know what you’re signing when it comes to student loans. Work with your student loan adviser. Ask them about the important items before signing. These include how much the loans are, what kind of interest rates they will have, and if you those rates can be lowered. You also need to know your monthly payments, their due dates, and any additional fees.

Figure out what will work best for your situation. Lots of student loans offer ten-year repayment plans. There are other options if you can’t do this. For instance, you might have an option of paying over more years at the trade-off of higher interest. The company may be willing to work with a portion of your net income. Some balances on student loans are forgiven when twenty-five years have passed.

Select the payment choice that is best for you. Many student loans will offer a 10 year repayment plan. If this isn’t right for you, you may be eligible for different options. If you take a loan at a higher interest rate, for example, you can extend your time to pay. You can also do income-based payments after you start earning money. The balance of some student loans is forgiven after 25 years.

To get the most out of your student loans, pursue as many scholarship offers as possible in your subject area. The more debt-free money you have at your disposal, the less you have to take out and pay back. This means that you graduate with less of a burden financially.

To keep your student loan debts from piling up, plan on starting to pay them back as soon as you have a job after graduation. You don’t want additional interest expense piling up, and you don’t want the public or private entities coming after you with default paperwork, which could wreck your credit.

To make sure your student loan application goes smoothly, make sure the information you include is accurate. If you give information that is incomplete or incorrect, it can delay the processing, which means that you could end up unable to begin a semester, putting you half a year behind.

As this article has shown you by now, you can get a great education if you’re able to afford school by getting a student loan. Now that the tips above are something you’ve gone over, it shouldn’t be too hard to get a loan to meet your needs. Use this advice well, apply for loans, and enroll in your dream school!

Student Loans: Tips, Tricks And Helpful Hints You’ll Find Success With

Getting the student loans necessary to finance your education can seem like an incredibly daunting task. You have also probably heard horror stories from those whose student debt has resulted in near poverty during the post-graduation period. But, by spending some time learning about the process, you can spare yourself the agony and make smart borrowing decisions.

Try getting a part-time job to help with college expenses. Doing this can help you cover some of your student loan costs. It can also reduce the amount that you need to borrow in student loans. Working these kinds of positions can even qualify you for your college’s work study program.

If you have extra money at the end of the month, don’t automatically pour it into paying down your student loans. Check interest rates first, because sometimes your money can work better for you in an investment than paying down a student loan. For example, if you can invest in a safe CD that returns two percent of your money, that is smarter in the long run than paying down a student loan with only one point of interest. Only do this if you are current on your minimum payments though and have an emergency reserve fund.

Don’t panic if you cannot make your payments on your student loans. Life problems such as unemployment and health complications are bound to happen. You may have the option of deferring your loan for a while. Just know that the interest will build up in some options, so try to at least make an interest only payment to get things under control.

Never ignore your student loans because that will not make them go away. If you are having a hard time paying the money back, call and speak to your lender about it. If your loan becomes past due for too long, the lender can have your wages garnished and/or have your tax refunds seized.

If you’ve taken out more than one student loan, familiarize yourself with the unique terms of each one. Different loans will come with different grace periods, interest rates, and penalties. Ideally, you should first pay off the loans with high interest rates. Private lenders generally charge higher interest rates than the government.

Lower your principal amounts by repaying high interest loans first. A lower principal means you will pay less interest on it. Pay off larger loans first. Once you pay off a large loan, use the money allotted to it to pay off the one that is the next largest. Make minimal payments on all your loans and apply extra money to the loan with the greatest interest in order to pay off all your loans efficiently.

Be sure you understand the terms of loan forgiveness. Some programs will forgive part or all of any federal student loans you may have taken out under certain circumstances. For example, if you are still in debt after ten years has passed and are working in a public service, nonprofit or government position, you may be eligible for certain loan forgiveness programs.

When calculating how much you can afford to pay on your loans each month, consider your annual income. If your starting salary exceeds your total student loan debt at graduation, aim to repay your loans within 10 years. If your loan debt is greater than your salary, consider an extended repayment option of 10 to 20 years.

You may feel intimidated by the prospect of arranging the student loans you need for your schooling to be possible. However, you must not let the bad experiences of others cloud your ability to move forward. By educating yourself about the various types of student loans available, you will be able to make sound choices that will serve you well for the coming years.

Tips And Tricks On Making The Most Of Student Loans

The importance of student loans to higher education seekers these days cannot be overstated. College tuition is inflated, and most folks can’t afford to pay for it out of pocket. Fortunately, by accessing sound information relating to the loan process, it is relatively easy to make the right choices when it comes to borrowing.

Start your student loan search by looking at the safest options first. These are generally the federal loans. They are immune to your credit rating, and their interest rates don’t fluctuate. These loans also carry some borrower protection. This is in place in case of financial issues or unemployment following your graduation from college.

For those having a hard time with paying off their student loans, IBR may be an option. This is a federal program known as Income-Based Repayment. It can let borrowers repay federal loans based on how much they can afford instead of what’s due. The cap is about 15 percent of their discretionary income.

If you want to give yourself a head start when it comes to repaying your student loans, you should get a part-time job while you are in school. If you put this money into an interest-bearing savings account, you will have a good amount to give your lender once you complete school.

To keep the principal on your student loans as low as possible, get your books as cheaply as possible. This means buying them used or looking for online versions. In situations where professors make you buy course reading books or their own texts, look on campus message boards for available books.

To get the most out of your student loans, pursue as many scholarship offers as possible in your subject area. The more debt-free money you have at your disposal, the less you have to take out and pay back. This means that you graduate with less of a burden financially.

Try looking at consolidation for your student loans. This can help you combine your multiple federal loan payments into a single, affordable payment. It can also lower interest rates, especially if they vary. One major consideration to this repayment option is that you may forfeit your deferment and forbearance rights.

To maximize returns on your student loan investment, make sure that you work your hardest for your academic classes. You are going to be paying for loan for many years after graduation, and you want to be able to get the best job possible. Studying hard for tests and working hard on projects makes this outcome much more likely.

To get the most out of your student loan dollars, spend your free time studying as much as possible. It is good to step out for a cup of coffee or a beer now and then, but you are in school to learn. The more you can accomplish in the classroom, the wiser the loan is as an investment.

To get the most out of your student loan dollars, make sure that you do your clothes shopping in more reasonable stores. If you always shop at department stores and pay full price, you will have less money to contribute to your educational expenses, making your loan principal larger and your repayment even more expensive.

Keep detailed, up to date records on all of your student loans. It is important that all of your payments are made in a timely fashion in order to protect your credit rating and to prevent your account from accruing penalties. Careful record keeping will ensure that all your payments are made on time.

Student loans are simply part of the higher education process. However, you should not take on a student loan without doing some research first. By learning about student loans, you can save yourself heartache later on.

Tons Of Tips And Tricks Regarding Student Loans

Getting the student loans necessary to finance your education can seem like an incredibly daunting task. You have also probably heard horror stories from those whose student debt has resulted in near poverty during the post-graduation period. But, by spending some time learning about the process, you can spare yourself the agony and make smart borrowing decisions.

Make sure you keep track of your loans. You should know who the lender is, what the balance is, and what its repayment options are. If you are missing this information, you can contact your lender or check the NSLDL website. If you have private loans that lack records, contact your school.

Watch for the grace period which is available to you before you are required to repay the loan. This is generally the period after graduation when the payments are due. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

Make sure you are in regular contact with the lender. Make sure they always know your address, phone number and email, all of which can change often during your college experience. It is also important to open and thoroughly read any correspondence you receive from your lender, whether it is through traditional or electronic mail. If any requests are made or important stipulations are shared with you, act on them right away. You can end up spending more money than necessary if you miss anything.

There are two steps to approach the process of paying off student loans you have taken out. The first thing you need to do is be certain that you are making the minimum required monthly payment on each loan. After that, pay extra money to the next highest interest rate loan. This will keep to a minimum the total sum of money you utilize over the long run.

If at all possible, sock away extra money toward the principal amount. The key is to notify your lender that the additional money must be applied toward the principal. Otherwise, the money will be applied to your future interest payments. Over time, paying down the principal will lower your interest payments.

It can be hard to figure out how to get the money for school. A balance of grants, loans and work is usually necessary. When you work to put yourself through school, it is important not to overdo it and negatively affect your performance. Although the specter of paying back student loans may be daunting, it is usually better to borrow a little more and work a little less so you can focus on your school work.

Perkins and Stafford are some of the best federal student loans. They tend to be affordable and entail the least risk. They are a great deal because the government pays the interest on them during the entirety of your education. There’s a five percent interest rate on Perkins loans. Subsidized Stafford loans offer interest rates no higher than 6.8 percent.

Keep in mind that your school could have other motivations when they recommend certain lenders. Some schools allow private lenders to use the school name. This is oftentimes quite misleading to students and parents. The school can get a portion of this payment. Know the terms and conditions of any loan you are considering before you sign anything.

You may feel intimidated by the prospect of arranging the student loans you need for your schooling to be possible. However, you must not let the bad experiences of others cloud your ability to move forward. By educating yourself about the various types of student loans available, you will be able to make sound choices that will serve you well for the coming years.

Make Dealing With Student Loans Easy With This Advice

Most people today finance their education through student loans, otherwise it would be very difficult to afford. Especially higher education which has seen sky rocketing costs in recent years, getting a student is more of a priority. Don’t get shut out of the school of your dreams because of finances, keep reading below to understand how you can get approved for a student loan.

If you have extra money at the end of the month, don’t automatically pour it into paying down your student loans. Check interest rates first, because sometimes your money can work better for you in an investment than paying down a student loan. For example, if you can invest in a safe CD that returns two percent of your money, that is smarter in the long run than paying down a student loan with only one point of interest. Only do this if you are current on your minimum payments though and have an emergency reserve fund.

Don’t get too stressed out if you have trouble when you’re repaying your loans. Health emergencies and unemployment are likely to happen sooner or later. There are options like forbearance and deferments for most loans. However, the interest will build during the time you are not making payments.

Don’t be afraid to ask questions about federal loans. Not many people understand what these types of loans can offer or what their regulations and rules are. If you have any questions about these loans, contact your student loan adviser. Funds are limited, so talk to them before the application deadline.

If you choose to pay off your student loans faster than scheduled, make sure that your extra amount is actually being applied to the principal. Many lenders will assume extra amounts are just to be applied to future payments. Contact them to make sure that the actual principal is being reduced so that you accrue less interest over time.

Paying your student loans helps you build a good credit rating. Conversely, not paying them can destroy your credit rating. Not only that, if you don’t pay for nine months, you will ow the entire balance. When this happens the government can keep your tax refunds and/or garnish your wages in an effort to collect. Avoid all this trouble by making timely payments.

When deciding how much money to borrow in the form of student loans, try to determine the minimum amount needed to get by for the semesters at issue. Too many students make the mistake of borrowing the maximum amount possible and living the high life while in school. By avoiding this temptation, you will have to live frugally now, but will be much better off in the years to come when you are not repaying that money.

It is very important that you correctly fill out all student loan documents to ensure the timely process of them. If you give them information that isn’t right or is filled with mistakes, it can mean the processing will be delayed. This can put you a whole semester behind!

Applying for a private loan with substandard credit is often going to require a co-signer. It is vital you keep current with all your payments. If you don’t your co-signer will be responsible for it.

Getting into your favorite school is hard enough, but it becomes even more difficult when you factor in the high costs. Thankfully there are student loans which make paying for school much easier. Use the tips in the above article to help get you that student loan, so you don’t have to worry about how you will pay for school.