Government Loans to Finance Education

If you are a student looking for student loans, then you know exactly what Department of Education loans are. If you are not aware or are looking for more information about this loan, then it is advised that you keep reading

The Role Played By US Department Of Education

The United States Department of Education is involved in providing financial aid to those students who have a poor financial background but are really smart. This financial aid is funded by the government and it is very strict when it comes to providing the loans to those needy students. If you want to apply for this loan, it is important that you gather enough information regarding how to get the loan, how you will pay back and so on.

How to Apply?

If you are going to apply for this loan, then you will need to fill in a form. The form that you need to fill in order to apply is called Free Application for Federal Aid Form (FAFSA). In the form you will have to list down all your personal and family expenditure patterns and you will need to attach prove of your current finical situation. All this will be required by the government in order to calculate the amount of loan you can take out. Once you have been provided with the information, then the department that will be giving you the loan will tell you the amount you will have to contribute towards the student loan and how much the government is willing to pay.

What Are The Necessary Requirements?

In order to qualify for the student loan, you will need to approve it by the authorities. You can easily contact the Department of Education in order to do so. The first main requirement in order to get approval is that you are a citizen of the United States. The other requirements are that your social security number is valid, you are in need of financial help, you have the ability to for higher education, you do not have any credit problems and etc. You will be able to get a list of all the things you require in order to get the loan from the department, so you do not have to worry.

Alternatives

The US Department of Education offers you three options. The first are federal grants. Grants are the finest form of financial aid because there’s no point of repayment of such money. You need to be really quick when it comes to apply for grants because they are given to those usually who have applied for it earlier. I-e a first come, first get basis. If you don’t have enough resources to pay for your college fee then you are eligible for such a form of aid.

The second option offered are student loans Student loans are identical to normal loans but the interest rates are quite low and there are different repayments time periods.

Lastly, they also offer student work programs. Student work programs are kind of part jobs which are offered to students so that they could work in a government agency and earn in order to pay for their tuition fee. Usually these jobs are part time but if they are full time then only a small part of it would be utilized in paying the fee.

Off-Site Solutions Recognised by Department of Education

The Building Schools for the Future (BSF) programme, announced in 2004 by New Labour, planned on renovating or rebuilding every English secondary school in a £55 billion scheme.

BSF was cancelled due to coalition spending cuts on the 5th of July 2010, and 719 schools that had been in pre-construction stages were left unable to proceed with their plans. A further 706 schools, having already signed contracts with private construction companies, are to go ahead with works, but have been forced to make substantial savings.

The future for the 719 leftover schools looked bleak. However, a leading off-site construction company have offered up a solution using modular and off-site techniques to lower the cost and enable the remaining schools to be built. A company representative spoke with Milton Keynes MP, Iain Stuart in September, explaining the benefits of off-site construction, and the options available for building schools from standardised modules.

Stewart proceeded to put forward this representation to the Department of Education, and received the following response from Lord Hill, who is responsible for schools capital policy:

“The purpose is to ensure that future capital investment represents good value for money and strongly supports the Government’s ambitions to reduce the deficit, raise standards and tackle disadvantage. Off-site construction…is one of the options under consideration by the Capital Review.”

Lord Hill gave his thanks for raising modular construction methods to his attention and has passed it on to the Capital Review team who he was sure would “find it of value”.

Modular construction techniques provide a cost-effective and efficient alternative to traditional building methods, with a wealth of design opportunity available.

The off-site industry is striving to remove the preconceptions of modular buildings – the modern capabilities being a far cry from the portable classrooms of the 50s – and to show the design flexibility off-site construction can offer.

Modular construction offers broad design flexibility contrary to preconceptions of ‘boxy’ prefabricated buildings of the past. The beauty of many off-site buildings is that they have developed tremendously in terms of visual appeal, and it is often impossible to distinguish them from a traditionally constructed building. Essentially, a menu can be created for schools to be built from, that architects can help to visualise and create.

Innovation in modular buildings over the past 10 years has been significant, making off-site construction even more relevant to the education sector. Corner-Loaded Modules are available that increase design flexibility and generate significant cost savings on site and throughout the life of a building. These hybrid buildings are based around a steel frame, which provides greater architectural freedom in an economical and space-efficient building system. This type of system means the building designer can ‘break out of the box’ and specify modules that are non-rectangular or have internal atria or balconies. The design scope is extensive and this also includes the possibility of corner-to-corner glazed walls, a feature that is becoming very popular in schools.

Off-site capabilities also include energy efficient and sustainable building techniques and materials, as well as a range of environmental additions such as sun tubes and rainwater harvesting. The Hybred® is an innovative modular building solution which offers the potential to achieve ‘A’ rated energy performance, an environmental consideration that is becoming an increasingly important target for schools.

Modular building has been proven to reduce programme times by 50% (PSLG Building June 2010 pp48). The reduction of project time and increased speed of construction mean that buildings can be erected in weeks rather than months; there are no weather constraints as units can be made watertight before arriving on site; and cost certainty can be achieved, because the industry and its techniques are far more predictable than tradition building methods. Statistics show that 99% of off-site projects are completed on time and budget (PSLG Building June 2010 pp48).

With off-site starting out with the prefabricated classrooms of the 50s and 60s, the modular industry has a wealth of knowledge when it comes to meeting schools’ needs. Schools lie at the heart of the community, which means they are often located in built-up residential areas, where long term construction work could cause a nuisance to local residents. Similarly, because of where they are located, access is often difficult and normally restricted. Added to this are the tight deadlines which are imposed due to the need for construction works to be carried out mainly during the school holidays, in order to minimise disruption and prevent health and safety issues on site. Six weeks during the summer is a small window of opportunity in the construction world – and even shorter if you are looking at Christmas, Easter or half term breaks. Being able to create a weathertight seal, often in days, means that even during a two-week half term, the building can be in place with work progressing in the internals – and minimal disruption to the day-to-day activities of the school.

Off-site construction has long presented an attractive option to schools and, in many cases…it is the only practical option.

A leading UK provider of off site construction solutions, Terrapin [http://www.terrapin-ltd.co.uk/education.php] has been in the business of permanent and temporary solutions for 60 years. Off site construction delivers fast, accurate and affordable solutions to permanent, temporary and relocatable building requirements for healthcare, education, developer and commercial projects.

5 Benefits Listing Your Business in Internet Directories

You can enjoy a lot of benefits if you have your business listed in an internet directory, such as Top5Biz.com. In fact, the more directories you use the greater number of benefits you can enjoy. Given below are some of the prominent benefits of using these directories. Read on to find out more.

Exposure

We know that proper exposure is required for all types of businesses. The more exposure your business gets, the higher number of visitors will know about your products or services. On the other hand, if your prospective customers can’t find your site, they won’t be able to buy your products or services.

By listing your business website in these directories, you can get the exposure you need. As a matter of fact, a large number of people search these directories in order to find what they are looking for. Their goal is to look for a specific product or service.

Better Ranking

We know that better ranking is important for any website. If your website is indexed in many web directories, it will send a signal to search engine crawlers that your website is authentic. And this will help you get your website ranked on major search engines. As a result, you will be able to enjoy better rankings in major search engines.

These directors get your website ranked better and get the word out about your business. And this is a huge benefit.

Inexpensive Advertising

If you run a business, you know the importance of advertisement. The primary purpose of advertisement is to help clients find your business and know more about it. You may not have a big budget for your advertisement campaigns. This is where you can spend a little money and achieve the purpose by getting your website indexed in internet directories.

Unlike the conventional advertising, business directories are much affordable. Therefore, they can help you save tons of money on advertisement.

Professional Opinion

If you want your business to look professional in the eyes of your visitors, we suggest that you try internet directories. This will help you improve your business status. In other words, this technique will help you make buyers have a professional opinion about your business.

Once your site is listed in these directories, it will look as professional as the top business enterprises out there. Aside from this, your website will be considered an authority in the niche. As a result, you will be able to get more and more customers and clients.

Search Engine Optimization

Internet directories offer another great benefit, which is called search engine optimization. Basically, these directories allow you to get a lot of inbound links. When a visitor finds your site in the directory, they will click he link and get directed to your website. So, this is an effective way of getting a lot of traffic.