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Undergraduate Student Loan Calculator

Major Decisions: Graduates Earnings Growth and Debt Repayment

Similar Charts

Median Initial Earnings Growth in Early Career, by Major

Graduates of majors with initially low earnings experience faster earnings growth during the early-career years.

Labor Market Training Expenditures as a Percent of GDP in OECD Countries, 2011

The United States does not currently invest heavily in vocational training compared with other countries, and funding for vocational training has declined over the past decades. The United States spends less than 0.05 percent of its gross domestic product on vocational training opportunities for workers.

Probability of Children s Income Level, Given Parents Income Level

While social mobility and economic opportunity are important aspects of the American ethos, the data suggest they are more myth than reality. In fact, a child s family income plays a dominant role in determining his or her future income, and those who start out poor are likely to remain poor. This figure shows the chances that a child s future earnings will place him in the lowest the or the highest quintile depending on where his parents fell in the distribution (from left to right on the figure, the lowest, middle, and highest quintiles).

Median Earnings and Distribution of Students by Attainment in Community Colleges

Many workers can benefit substantially from worker training programs, which provide education and skill development that lead to increased economic opportunities and better jobs. Students who earn two-year degrees in a high-return field, four-year degrees after a two-year degree, or certain career-oriented certificates, earn median salaries of $34,000 or more per year. Students who earn two-year degrees in low-return fields or who do not complete their programs earn around 33 percent less.

College Completion

College education has historically driven increases in labor productivity, which in turn lead to wage growth. This same trend has emerged during the last 40 years. As women s college-graduation rates jumped over 20 percentage points since 1970. female workers wages increased by similarly high rates.

Return on Investment to a Bachelor s Degree


Teesside University – Postgraduate study – Psychology (Top-up), Doctorate #undergraduate, #study, #courses, #course, #psychology, #doctorate, #psychology #(top-up)


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Doctorate Psychology (Top-up)

More information

If you currently have Registered Practitioner Status at master’s level, this course provides you with the opportunity to study theory and research related to a specialised area of psychology to doctorate level. The production of the advanced independent work also allows you to enhance your understanding of conducting research and of the ethical issues involved in this process

If you currently have Registered Practitioner Status at master’s level, this course provides you with the opportunity to study theory and research related to a specialised area of psychology to doctorate level. The production of the advanced independent work also allows you to enhance your understanding of conducting research and of the ethical issues involved in this process.

This programme is designed for applied psychologists who are already qualified and practising with the primary aim of providing a continued professional development route to top-up applied psychologist’s level of qualification to doctorate level. The core philosophy of the programme is to develop applied psychologists advanced research knowledge and skills to doctoral standard, which will contribute to their growth as evidenced-based practitioners. The programme will enable you to engage with issues of importance to applied psychology practice and research in a manner that gives you responsibility for the focus of study and assessment, as is appropriate at this advanced level of study. The assessment strategies make use of your choice over the area of study to ensure that the subject of assessment is relevant to your own and/or your institution’s professional practice. This ensures an appropriate combination of academic study and professional focus as well as an understanding of a substantial body of knowledge at the forefront of psychological theory and practice.
The clinical expertise of the programme team is diverse, covering a broad range of specialist areas in psychology. The programme team embrace the research informed learning agenda of this academic programme and use their expertise within their specialist field and research to support you through your studies.

Modules

Stage 1 (12 months)

This module will assist you to ethically consider a research topic in applied psychology, critically appraise research knowledge in relation to the topic and to formulate research questions for your proposed study involving systematic review methods.

Stage 2 (18 months)

This modules provides the opportunity for applied psychologists to consolidate your learning experiences throughout the programme through a self-initiated research project that significantly contributes to the development of new knowledge within the context of applied psychology. In addition, skills necessary for publication of empirical work will be developed.

Modules offered may vary.

How you learn

You learn through lectures, small discussion groups and on-going individual supervision. The virtual learning environment is also used to provide learning resources for each module and an interactive learning environment to enable you to discuss materials with other students and the teaching staff.

How you are assessed

There is a variety of assessment methods used throughout the programme. These include an oral and written presentation of the research proposal, ethics submission and the production of a 35-40,000-word advanced independent work followed by a viva voce.

Career opportunities

The programme provides a route whereby psychologists who are fully licensed by the statutory regulator to practise as psychologists can top up their qualification to a doctorate award and develop advanced research methods skills.

Entry requirements

All applicants should have:

  • HCPC registration as a practitioner psychologist
  • a minimum of three years’ experience in current psychological practice.

You will be required to attend an interview for this course.

For additional information please see the entry requirements in our admissions section


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ECU offers innovative and practical courses across a variety of disciplines and we have a vibrant research culture. ECU is a leader in developing alternative entry pathways to higher education.

We have three campuses in Western Australia. Joondalup and Mount Lawley in the Perth metropolitan area and our South West campus in Bunbury, 200km south of the Perth CBD.

ECU provides a variety of services and facilities that go beyond the classroom, with opportunities for personal development and social interaction for students and staff.

Future Students

Applicants with an ATAR

  • If you want to start a course in Semester 1, apply through the Tertiary Institutions Service Centre .
  • If you want to start a course in Semester 2 (mid-year), you can apply direct to us .

Note: Applying is different to enrolling. If your application for a course is successful and you accept our offer of a place, you then enrol by selecting your course units.

Applicants with a VET qualification

  • If you’ve completed a Certificate IV during or right after year 12, you can apply direct to us for undergraduate or University Preparation courses .
  • If you’re currently in Year 12, we expect you to achieve WACE by the end of the year.
  • If you’re not currently in Year 12, and don’t yet meet English competency, please apply to us with your Certificate IV and we will evaluate your application individually.
  • If your Diploma or Advanced Diploma is in the same subject area as the course you wish to study at ECU, you may be eligible for credit, or advanced standing. You can apply for this after you accept your offer into the course.

Note: Applying is different to enrolling. If your application for a course is successful and you accept our offer of a place, you then enrol by selecting your course units.

All other applicants

  • You can apply direct to us. Before you start your application, make sure you’ve made scanned copies of school or other study results and the components of your portfolio if you’re using our Portfolio Pathway .
  • Please ensure the University Preparation course is listed as a preference in your application.
  • If you’ve been an ECU student and are using an ATAR from previous years, or sat the STAT or the ISIT at ECU, we don’t need documents because we can check your score electronically.

Note: Applying is different to enrolling. If your application for a course is successful and you accept our offer of a place, you then enrol by selecting your course units.

Research degrees

Some research degrees have recommended submission dates for applications.

Our Doctor of Philosophy (course code L61) accepts applications all year long.

To apply for a research degree, please supply the following with your application:

  • a 300-word research abstract and a 2-page research proposal
  • facts about your work and academic history
  • references from any publications or conference papers you’ve co-authored
  • your previous academic qualifications

Note: If you’re a citizen of India, Pakistan, Nepal or Bangladesh, we may require you to apply via an ECU Authorised Agent .

Check the progress of your application

If you’ve applied for a course – either directly or through an ECU Authorised Agent – you can easily track its progress through our application status check .

What happens after you’ve applied?

After your application is processed and if you’re successful:

  1. We send you an Offer Letter for a place at ECU. This will be an Offer or a Conditional Offer (you must meet the conditions of your offer), and includes course details, fees to pay and more.
  2. You complete the online acceptance and pay the ‘Fees payable now’. This includes your first semester course fees and Overseas Student Health Cover. You can accept and pay by going to the Respond to your offer page.
  3. Once you’ve successfully accepted your offer to study at ECU, and we’ve confirmed receipt of the required fees, we’ll issue a Confirmation of Enrolment. If required, this document allows you to apply for a student visa to study in Australia.
  4. Once the above steps are complete, we welcome you as an official ECU student. You should then review our pre-departure information. attend orientation and enrol in your study units.

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SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.

2 A cosigner may be released from the loan upon request to the servicer provided that the student borrower is a U.S. citizen or permanent resident alien and has met credit criteria, and a specific number of consecutive monthly principal and interest payments have been made on-time (received within 10 calendar days after the due date), as set forth in the Credit Agreement. Cosigner release may not be available for loans in a forbearance status.


Master of Science in Nursing (MSN) #university, #pittsburgh, #pitt, #college, #learning, #research, #students, #undergraduate, #graduate


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Master of Science in Nursing (MSN)

The purpose of the Master of Nursing degree program is to provide an organized sequential plan of study that leads to preparation in a specialized nursing role. This purpose is fulfilled through:

  • Preparation in nursing practice in a specialized role or
  • Preparation in limited advanced practice roles (nurse anesthesia and neonatal nurse practitioner) and
  • Preparation in research methods and skills
  • Provision of a foundation for further study at the doctoral level

Program Description

This program leads to the Master of Science in Nursing (MSN) degree, and varies in credits depending on the major and area of concentration. The program can be completed through full- or part-time study.

Students may select preparation for the Nurse Specialty Role major, which has two areas of concentration: clinical nurse leader (CNL), and nursing informatics. Clinical nurse leader areas of concentration are offered both onsite and online, while the nursing informatics option is only offered online.

Students may also choose to follow a program of study leading to advanced practice roles in nurse anesthesia (last cohort fall 2016) or as a neonatal nurse practitioner.

The curriculum design includes core courses, specialty courses, role development courses, and electives. Students in any of the majors may also elect to add a minor in nursing administration, nursing education, nursing informatics, nursing research, or health care genetics.

Registered nurses who do not yet have a BSN may enter the MSN program via the RN Options. early admission to the MSN program.

Registered nurses who already have a master’s degree in nursing have the option of earning a second master’s degree in nursing in a different area of concentration. Earning the second master’s requires completing the course requirements for the specific major or Area of Concentration.

The Masters Program Graduate Will Be Able To:

  • Demonstrate mastery of advanced knowledge and skills in a specialized role.
  • Critically evaluate knowledge and theories from nursing and other disciplines for their contributions to nursing practice.
  • Demonstrate the ability to use the steps of evidence-based practice to develop clinical practice guidelines and design projects to improve health care delivery.
  • Initiate collaborative relationships with other health professionals to ensure quality care of the patient/client and to mobilize health and social resources for individuals, families, groups, and communities.
  • Demonstrate leadership skills and attributes to advance the profession of nursing.
  • Critically evaluate issues relative to nursing practice and health care in light of scientific knowledge and personal and societal values.
  • Formulate and implement plans for individual professional development.
  • Demonstrate the ability to communicate ideas both verbally and in written form in an articulate, literate, and organized manner.

The University of Pittsburgh is an affirmative action, equal opportunity institution. The complete Nondiscrimination Policy is available here.


Undergraduate Student Loan Calculator #pell #grant


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Undergraduate Student Loan Calculator

Major Decisions: Graduates Earnings Growth and Debt Repayment

Similar Charts

Median Initial Earnings Growth in Early Career, by Major

Graduates of majors with initially low earnings experience faster earnings growth during the early-career years.

Labor Market Training Expenditures as a Percent of GDP in OECD Countries, 2011

The United States does not currently invest heavily in vocational training compared with other countries, and funding for vocational training has declined over the past decades. The United States spends less than 0.05 percent of its gross domestic product on vocational training opportunities for workers.

Probability of Children s Income Level, Given Parents Income Level

While social mobility and economic opportunity are important aspects of the American ethos, the data suggest they are more myth than reality. In fact, a child s family income plays a dominant role in determining his or her future income, and those who start out poor are likely to remain poor. This figure shows the chances that a child s future earnings will place him in the lowest the or the highest quintile depending on where his parents fell in the distribution (from left to right on the figure, the lowest, middle, and highest quintiles).

Median Earnings and Distribution of Students by Attainment in Community Colleges

Many workers can benefit substantially from worker training programs, which provide education and skill development that lead to increased economic opportunities and better jobs. Students who earn two-year degrees in a high-return field, four-year degrees after a two-year degree, or certain career-oriented certificates, earn median salaries of $34,000 or more per year. Students who earn two-year degrees in low-return fields or who do not complete their programs earn around 33 percent less.

College Completion

College education has historically driven increases in labor productivity, which in turn lead to wage growth. This same trend has emerged during the last 40 years. As women s college-graduation rates jumped over 20 percentage points since 1970. female workers wages increased by similarly high rates.

Return on Investment to a Bachelor s Degree


Private, Graduate – Undergraduate Student Loans #quick #online #loans


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Education Loans

SunTrust offers multiple resources, tools and financing options that can help students and families who need to pay for college.

Getting ready for school? We can help.

Private Student Loans

If savings, federal student loans, scholarships and grants don t cover college costs, consider a SunTrust private student loan to cover education related expenses such as transportation, housing, a computer, etc. With money-saving benefits, competitive rates and flexible repayment options, a SunTrust private student loan may be the right solution for rounding out your financing needs. 1

More savings for SunTrust clients

  • If the bank account is a SunTrust checking, savings or money market account, the discount is 0.50%. 2
  • If the bank account is a non-SunTrust account, the discount is 0.25%. 2

Disclaimers

1 SunTrust recommends you compare all financial aid alternatives including grants, scholarships, federal loans and SunTrust private student loans prior to applying for private student loans.

Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue these programs without notice. All loan programs are subject to approval and may not be available in certain jurisdictions.


Federal Student Loan Options for Undergraduate Students #student #loans #federal


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Federal Student Loan Options for Undergraduate Students

IMPORTANT NOTE: It is our firm belief that families should borrow only when absolutely necessary, and then only to the extent that is needed. We encourage that serious and deliberate consideration be given to making any borrowing decision.

Federal Direct Subsidized/Unsubsidized Loans

How do I apply for this loan and am I eligible?

If you have received a financial aid notification letter from our office and a Federal Direct Subsidized/Unsubsidized Loan has already been awarded to you, you may begin the application process. Please proceed to the U.S. Department of Education’s website, www.studentloans.gov. to complete the Federal Direct Subsidized/Unsubsidized Loan Master Promissory Note and Entrance Counseling. You will need your FSA ID in order to login to the website.

How much can I borrow?

Your eligibility is determined for either a Federal Direct Subsidized and/or Unsubsidized Loan. A Federal Direct Subsidized Loan is awarded on the basis of federal eligibility. If you are eligible for such a loan, the government will pay (subsidize) the interest on your loan while you are enrolled in school on at least a half-time basis.  Depending on your federal eligibility, you may borrow a Federal Direct Subsidized Loan in an amount up to the annual loan borrowing limit for your level of study (see below).

You may receive a Federal Direct Unsubsidized Loan in addition to the Federal Direct Subsidized Loan or if you don’t have demonstrated federal eligibility.   Unlike a Federal Direct Subsidized loan, you are responsible for the interest from the time the unsubsidized loan is disbursed until it’s repaid in full. You can choose to pay the interest or allow it to accrue (accumulate) and be capitalized (that is, added to the principal amount of your loan). Capitalizing the interest will obviously increase the amount you will have to repay over the life of the loan.

You can receive both a Federal Direct Subsidized and Unsubsidized Loan for the same enrollment period as long as the combined amount of the two loans doesn’t exceed the annual loan limit as delineated below.

Borrowing limits applicable to eligible dependent undergraduate students:

  • As a first-year student, you can borrow up to $5,500 in combined Subsidized and Unsubsidized Loans, with a maximum of $3,500 being in the form of a Subsidized Loan (providing that you are eligible for Subsidized Loan assistance).
  • As a second-year student, you can borrow up to $6,500 in combined Subsidized and Unsubsidized Loans, with a maximum of $4,500 being in the form of a Subsidized Loan (providing that you are eligible for Subsidized Loan assistance).
  • As a third, fourth, or fifth-year student, you can borrow up to $7,500 in combined Subsidized and Unsubsidized Loans, with a maximum of $5,500 being in the form of a Subsidized Loan (providing that you are eligible for Subsidized Loan assistance).

The annual borrowing limits can be increased for students who meet the criteria to be considered independent for student financial aid purposes or whose parents have applied for and who were denied a Federal Direct PLUS Loan (see Federal Direct PLUS Loan information below).

What is the interest rate and what fees are charged for these loans?

Effective July 1, 2015, the interest rate for Federal Direct Subsidized/Unsubsidized Loans (Undergraduates) is fixed at 4.29%. For Federal Direct Subsidized and Unsubsidized Loans, there is an origination fee of 1.073% of the loan amount that will be deducted proportionately at each disbursement.

When do I begin repaying the loan?

Repayment of Federal Direct Loans plus any accumulated interest begins six months (called the grace period) after you drop below half-time enrollment status (normally, this occurs when you graduate or if you leave school for some other reason).

Federal Perkins Loans

You can borrow up to $5,500 for each year of undergraduate study. The actual amount you may receive depends on your level of exceptional federal eligibility and the level/availability of Perkins Loan funds.

The interest rate is fixed at 5%. There are no other fees for this loan, and interest on the loan does not begin to accrue until the loan enters repayment.

Repayment begins nine months (called the grace period) after you drop below half-time enrollment status (normally, this occurs when you graduate or if you leave school for some other reason).


Undergraduate Student Loans, College Student Loans. #express #loans


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The Need for Undergraduate Student Loans

Many college students understand the need for undergraduate student loans. With the average cost of one year at a 4-year public school totaling $18,943 and $42,419 for a 4-year private school 1. most college families have no way of coming up with that kind of money every year.

The reality is that most college students don t receive enough scholarships and grants to pay for their education, although every bit of free money helps. In addition, college parents are sometimes unprepared for the overwhelming cost of college, and are only able to contribute small amounts to the bottom line without taking away from money needed for everyday life. That leaves most undergraduate students with one option: take out undergraduate student loans to pay for college.

If you are an undergraduate student in need of money to pay for college, make sure you look at your overall college financial aid picture. Before taking any undergraduate student loans, make sure you have looked for college scholarships and reported any changes in your family s financial situation to your school s financial aid office.

Federal College Student Loans

The most popular undergraduate student loans are Direct Stafford Loans. The Direct Stafford loan is the most widely-used, low-cost undergraduate student loan available. In order to qualify for federal undergraduate student loans, you will need to fill out the FAFSA each year. There is no credit or income check to qualify; you need only be enrolled at least half-time at an accredited school. You should look to borrow federal undergraduate student loans once you have maximized free money, like scholarships and grants.

Depending on your financial need, you may also qualify for other federal college student loans, such as the Federal Perkins Loan, if you are a previous Perkins Loan recipient. Check out our Student Loan Guide for specific information about each loan type, including interest rates and how to apply.

Private Undergraduate Loans

Many students find that due to low borrowing limits on federal college student loans, they still need more money to pay for school. Private undergraduate loans are credit-based college student loans made in your name. You can use private undergraduate loans to pay for all of your education costs, including tuition, room and board, travel, food, a computer and more. As an undergraduate student with little income or credit history, you will likely need a parent, relative or friend to co-sign a private loan with you in order to get approved. For more information, check out our section on Find a Co-signer .

Get more information on private undergraduate loans:

College Costs for Undergraduate Students


Undergraduate Student Loans #auto #loans #online


#student private loans
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Undergraduate Student Loans

Federal Direct Subsidized Unsubsidized Loans

The University of Colorado Boulder participates in the William D. Ford Direct Loan program (Direct or Stafford Loans). The lender is the U.S. Department of Education rather than a bank or other financial institution. You are considered for a Direct Loan after submitting your FAFSA if you are enrolled at least half-time.

Federal Perkins Loans

The Federal Perkins Loan is a need-based loan. Funds are provided from the federal government and from payments collected from students repaying their Perkins loans. Perkins loans are generally awarded to undergraduates with high financial need. Perkins loans are awarded based on funds availability.

Private Loans

Private student loans or alternative loans are available to students who are not eligible for federal loans or who need assistance beyond their financial aid eligibility. These loans are made through banks and other financial institutions and are subject to their terms.

View our Student Loan Code of Conduct for our guiding principles in ensuring the integrity of the student financial aid process.

Track Your Loans

Watch our video to learn where to find your total federal student loan balance, loan servicer contact information, and how to update your address using the National Student Loan Data System (NSLDS) .

Please note: You’ll need your Federal Student Aid (FSA) ID to access NSLDS. If your last name has changed since you first applied for aid, you’ll need to use the first two letters of your former last name when prompted to enter your personal information.