'GPS' for Students

Detecting roadblocks on the path to success
Provided by Tutor.com

Homework, studying and tests are a fact of life for every student -- and every parent. But, as the year goes on and classes get more difficult, students sometimes get lost in the maze of schoolwork.

Unlike the GPS system in your car, children don't always alert you when they make wrong turns, so parents don't always know when they're in trouble. There are warning signs, though, that parents can keep an eye out for before a major detour happens:

"The dog ate my homework"
Learning is cumulative, and that means every homework assignment counts toward complete understanding of a subject. Students might get away with one missed assignment, but several missed assignments can add up to lower grades and falling behind.

If your child is missing homework because he or she doesn't remember when it's due, you might suggest writing down each assignment in a notebook and check off the list each night.

If your child is skipping assignments because of a failure to understand the subject, don't wait to get help. Find someone who can step in to provide extra help so your child doesn't fall behind -- teachers and guidance counselors can provide referrals, or try online tutoring for immediate help.

"I don't like my teacher"
Sometimes students and teachers just don't click in the classroom. Teaching and learning styles vary, and it can be difficult for a child to recognize that problem and know when to ask for help.

Encourage your child to ask for further explanation of the subject in class, talk to other teachers, or ask for help from an outside source. Sometimes all your child needs is a different explanation of a concept to "get it."

"I'm no good at algebra -- I give up"
Most children won't send up an obvious flare if they have fallen behind in class, but they may exhibit signs of low confidence and self-esteem that are tied to schoolwork. This could be a sign that your child is stuck, frustrated and needs help. Take action quickly before things get worse.
Talk to your child to determine the root of the problem and work with the teacher to determine the best way to get your child back on track.

Getting back on the road
If you see signs that show your child is heading for a detour, act quickly. Help your child with homework in subjects you know, and ask for help with the subjects you don't know. Teachers and guidance counselors can provide resources for you, and tutors can provide extra help in difficult subjects.

Can A Student Take Too Many AP Courses?

By Phillip Walters

Is it possible for a student to take too many AP courses? How many is too many?

AP classes are a good thing, especially for high school students bound for college. They provide a touch academic challenge, show colleges the student is willing to be challenged and provide college credit. But how many AP classes does a high school need to take?

Let’s say you are considering applying to a highly selective college and that college admits less than 15 percent of the applicants. There is a possibility that the alumni and athletes and those who would bring diversity to the college might have an edge. You take a three-dimensional look at what you have done so far in school, and you wonder if you can “up the ante” by adding more to your already full schedule. Would more AP courses make you look like a better prospect?

Say you are already registered to take 5 AP courses during senior year and are worried that you might be penalized by not taking the a sixth. Plus you hear about other students who are taking six AP classes and then another one online just for fun.

First, take a deep breath and stand back to take an assessment of the bigger scene. Sheer number of AP courses is never the key to successful college admission Remember there are more than 25,000 high schools in the country. This mean there are 25,000 students who are No. 1 in their class. Certainly many of them have taken all the right courses. However, if you asked any officer of admission, including those from the Ivy League colleges, you will be told emphatically that admission is never based on counting courses.

As a matter of fact, it is probably more true that taking too many AP courses and not balancing your school life with other immensely important activities, such as leadership roles, volunteer work and a life outside of academics, that you would most likely seem fairly bland in comparison to others who have multiple venues for showing their skills.

So the advice for those going through the college search who are filling their curriculum with AP courses: Smell the roses, show passion, challenge yourself but staying healthy, allow yourself enough hours to get a good night’s sleep, get involved, do random acts of kindness and take those AP courses if they are right for you.

I want to make sure that everyone has the opportunity to go to college. This means getting in, finding the right college fit and paying for school. I love to share what I've learned and I hope you can find some useful information useful in your college search

Student Car Loan - The Power You Need To Get Your Car

By Saurabh K Jain

A student who does have any income of their own or have less income that does not allow them to take a car on their own can take a student car loan. There are many types of car loan programs available to students. It is very important for a student who wishes to take a student car loan to understand the concept of car loans and the difference between one program and the other. You should pick out the program that is most suitable to your needs and present income. You can take the help of the net to find an online car loan lender who is offering flexible student car loan with easy repayment options.

Check All Important Issues
You can easily find a lender on the net who is offering lower interest rates than others are. Check out and see if the new car loan rates offered by the lender, matches with some other lender as well. If they do, then find out the other terms and conditions for student car loan, as the maintenance charges and insurance cover. In addition, also confirm that if they are going to pay these charges, initially, and if yes, then for how long. It is very important to see all the terms of the student car loan to see for any hidden costs or penalties, which are usually not given in the advertisements.

Keep on comparing all the important issues that are raised, like the repayment period, can it be extended later, and can you afford the repayment installment of your student car loan, which is being offered. Look for a car financing company with a good record of accomplishment in the past and has a list of happy clients. Auto loan financing companies and lenders with a good reputation care for their clients and do not want a blotch against their name. So, do not go for an unknown name in the field and search for an authorized dealer to take your student car loan.

You also have to pass the eligibility criteria to qualify for a student car loan. First, you have to be an American citizen. Second, your credit history will be checked to see your past record with regard to repayment of loans. All students usually have some form of bad credit against their name. This is because they are students and currently cannot engage in full time employment.
Students having bad credit usually get higher rates of interest for a student car loan than those who have a good credit. You can get car loans even if you have bad credit, albeit at a higher rate of interest. However, at the same time it also gives you an opportunity to improve credit with regular repayments.

Student car loan can give the power of finance to the students to help them get the car of their choice. With many companies competing to offer car loans, it is necessary that you compare new car loan rates before finalizing on any auto loan financing offer.

Advantages Of An Online Student Credit Card Application

By Morgan Hamilton

Their are several advantages of an online student credit card application over the traditional paper ones that we receive through the mail. Chief among them is the simple fact that if the application is on a credible web site it will contain not only the information pertaining to that offer, but there should be several other similar offers that you will be able to compare.

It really is a matter of comparison shopping to find the best deal. Another advantage of using the Internet is the wealth of information that can obtained. Simply reading the terms outlined on an online student credit card application doesn't bring forth the entire picture. Because a student credit card is likely the first credit card that an individual will have, there are other factors to consider.

The ability to monitor your card activity through the bank or credit card issuers web site is a valuable tool that should not be underestimated. For concerned parents that want their student to have the financial resources that a credit card can offer, but may be a bit leery of giving that much financial freedom to a youngster, it is an excellent way to make sure it is being used wisely.

It also offers full statements so that you can see exactly where you stand with regards to purchases, payments, current interest rates and so on. In many cases the online statement that you have access to will be updated on a daily basis. This is important because you will know exactly what is going on with the account at any given time, 24 hours a day, 365 days a year.

It is recommended that you obtain an online student credit card application from a secure site such as Find-Cards-Now.com. All of the major credit card companies, including Discover Card, Citibank, Chase and Bank of America, offer credit cards for college students. But most assuredly, not all offers are the same. Please do your homework and read the fine print before deciding to apply.

You will also want to make sure that the application for the offer that you choose to apply for has the provisions of their lost card policy clearly spelled out. College campuses can be quite hectic and youngsters can at times be a bit careless. The student credit card application must offer full protection against lost cards, fraud, theft and unauthorized use.

As A financial advisor, Morgan Hamilton dispenses helpful advice and valuable tips with regards to the credit card industry including information about what to look for in an Online Student Credit Card Application. Comparing Student Credit Card Applications can be done quickly and easily at Find-Cards-Now.com

Using the Private Student Loan

By Ken Golden

There is a variance between federal student loans and private loans in the sense that federal loans are underwritten by the Federal Government. They offer scores of desirable terms like very affordable interest rates, postponed repayment, subsidized interest payment as well as longer payment provisions.

On the other hand, private student loans can be obtained from banks, credit unions including other financial institutions, and are based not on financial need, but on creditworthiness including capability to pay back of the borrower.

The private student loan may act as a supplement to federal loan programs and may perhaps be in support of several distinct purposes related to education such as instruction, books, living expenses as well as computer equipment. Interest rate percentages as well as payment terms will fluctuate from lender to lender including being based on the credit history of the borrower.

Occasionally, it is similarly possible for a co-signer to receive a private loan, although this is not needed, principally if the student has a sufficient credit report, is employed full time and is a US citizen or permanent resident. If the student fails to meet minimum eligibility requirements they might petition a private student loan with a co-signer who does meet the minimum requirements.

The rates of interest for a private student loan can be different in line with the special aim of the loan, and for private loans for undergraduates; the rate of interest would be LIBOR plus 4.65 percent.

With college costs steadily escalating and the number of applicants ahead of you for federal loans also rising, it is no surprise that private Student loans are fast becoming the most rapid growing source of funds for U.S. college education.

Several families notice in the private student loan, a fitting as well as effortless way of obtaining the capital vital to pay for college education costs. Applying for a private student loan is very simplified and the complete process can be over in as little as fifteen minutes.

Alternative or private student loans usually source their funding from private financial organizations and are not subject to Federal orders.

The cash obtained in this manner can be used to pay for tuition expenditure including many other costs related to education.

Private student loans can frequently be used to complement the federal student loans, specially when federal student loan funds do not cover the entire cost of education.

Find more credit and loan information at FinanceCreditPro.com, including advice on mortgage financing with bad credit.