ACS Student Loans

An ACS student loan is a loan that is serviced by the Affiliated Computer Services, Inc. It is a company known for outsourcing technology and business solutions. Universities across the country use the ACS student loan services because of the company’s reputation for using technology to effectively handle some of the more difficult aspects of loan services.

ACS student loans allow students to make payments online, instantly be able to see the status of an account, make changes to personal details such as name and address, and also to be able to receive email notifications when a payment has been processed.

Many different programs for financial aid fall under the heading of an ACS student loan. One of the major ACS student loan groups is the Campus Based Student Loan Program (CBSL), which includes Federal Perkins Loans, Nursing Student Loans (NSL), and Institutional Loan Programs, among others. Another major group of educational loans handled by ACS is the Federal Family Education Loan Program (FFEL), which includes the Stafford (GSL) Loans, PLUS loans to parents of students, and loan consolidation services. ACS also has the ability to handle many other groups of educational loans donated by a variety of private companies.

For those who do not already have an ACS student loan, applications and guidelines for different financial aid options are available online. The ACS website gives a clear example of how to fill out a Free Application for Federal Student Aid (FAFSA) form, and demonstrates what the results mean in terms of your eligibility for financial aid. Furthermore, applications for both Stafford and PLUS loans for parents can be found on the ACS website, and can be completed and sent in online.

If you are the holder of an ACS student loan already, you may be interested in knowing about the benefits of student loan consolidation. The ACS website provides information and application forms that could help you lock in a lower rate and reduce your monthly payment amount.

Some other tools that can help you with your ACS student loan are a repayment calculator, guidelines from the IRS about how to use your student loans for tax relief, and a glossary of important student loan-related terms.

All in all, an ACS student loan is one that will give the borrower plenty of ease and flexibility when it comes to loan servicing from application to repayment and consolidation. ACS works with a number of universities across the United States, including the University of Pittsburgh and the University of Vermont. Even if your specific university does not offer student loans handled by ACS, their website is a treasure trove of helpful tools and information, and well worth a look.

The 20 Fattest and Fittest Universities

Is your university populace fit as a fiddle, sprinting between classes and the gym with the greatest of ease, or is it, as a whole, huffing and puffing its way back and forth from the computer lab to the local late-night hot dog joint? This is, of course, an exaggeration, but Mens Fitness magazine did partner with research organization the Princeton Review to come up with this much-needed, and never-before-produced, list.

Using surveys of nearly 10,000 students from more than 660 of top colleges and universities in the United States, the researchers graded each school on the following criteria:

Student Bodies: Students gender, height, weight and weight gained or lost since beginning college. Exercise: A measure of students participation in weekly vigorous and leisurely physical activity. Bad Habits: A summary of how much fast food, alcohol and cigarettes students consumed on a weekly basis, along with how much time was spent participating in sedentary activities (other than studying), like watching TV or playing video games. Other Lifestyle Choices: Supplement use, amount of sleep per night, and significant others influence on fitness goals. Campus Culture of Fitness: Physical fitness requirements (or recommendations) and student opinions on the overall fitness of their school and whether the campus promotes physical activity.

The grades from each category were averaged to form the final grade. And the survey says:

Top 20 Fattest Universities of 2005

1. University of Louisiana, Lafayette 2. University of New Orleans 3. Mississippi State University 4. Southern Illinois University Carbondale 5. Portland State University 6. University of North Carolina, Greensboro 7. Eastern Michigan University 8. University of Kentucky 9. SUNY College, Brockport (N.Y.) 10. University of South Florida 11. University of Nebraska, Omaha 12. Seton Hall University (N.J.) 13. Louisiana State University 14. Southwest Missouri State University 15. University of Texas, Dallas 16. West Chester University of Pennsylvania 17. University of Cincinnati 18. Winona State University (Minn.) 19. University of Maine 20. Old Dominion University (Va.)

Top 20 Fittest Universities of 2005

1. Brigham Young University 2. University of California, Santa Barbara 3. Boston University 4. University of Vermont 5. Northwestern University (Ill.) 6. University of Colorado, Boulder 7. University of Notre Dame (Ind.) 8. University of California, Santa Cruz 9. University of Wisconsin, Madison 10. University of Wisconsin, La Crosse 11. Boston College 12. Texas Christian University 13. University of California, Davis 14. Georgia Institute of Technology 15. Salisbury University (Md.) 16. Georgetown University (D.C.) 17. College of William and Mary (Va.) 18. College of Charleston (S.C.) 19. East Carolina University (N.C.) 20. California State University, Long Beach

What to Do if You Attend One of the Fattest Universities

Healthy-Living Dorms: Thumbs up to Washington University in St. Louis for opening healthy-living dorms. Students who choose to live in these campus abodes pledge not to use drugs or drink to excess, and exercise facilities are located nearby. The University of Maine at Farmington, Indiana University in Bloomington, George Mason University and many others across the nation have started similar programs.

Benefits Of Homeschooling

A wise man once said, “We can teach our children to have courage, faith, and endurance and show them how to learn, and they can teach us to laugh, to sing, and to love.” In other words, each family member has valuable lessons to teach the family.

When a family homeschools, this reciprocal relationship is magnified. Homeschooling participants are affected by more than just the person who sit at the homeschool table. All generations create and reinforce the bond between family members. Home schooling families spend their time laughing, learning, playing and living with each other 24/7.

You can choose the best curriculum to promote an intrinsic love of lifelong learning. The homeschool curriculum is flexible. The parameters are determined by the best teachers available, the parents, who know and love their children.

Learning never stops in the homeschool environment. The parents are not just lecturers or observers. They are active participants who expand, explain and encourage their children to be inquisitive and explore the specific areas that interest them without the constraints of arbitrary rules set up by an outside source.

Another benefit to homeschooling is that the parents model and reinforce valuable behavior and deemphasize undesirable behavior in a natural manner.

Historically several generations lived in the same home. Everyone benefited from this multi-generational living arrangement, coming away with valuable lessons that cannot be taught in a book. Plus most of the time there was the added advantage of the multi-grade/level schoolhouse for the formal education.

Presently we often put the older generation in nursing homes when they get too bothersome (only to visit them on holidays), and we settle for a failing public school system that has been tasked with being everything to everyone but alienates most participants.

Homeschooling is the best of both worlds. It’s good for both the family and for your children’s education.

The benefits of home schooling are limitless. As a parent who homeschooled three children, I feel that homeschooling is the greatest gift a parent can give their child. Try it. Youll like it!

Private Student Loans

Private financial companies including banks or other specialized educational money lenders provide private student loans for students. It is one of the different types of loans available for the students to continue their higher education when they do not have the money to do so.

Private student loans have all the features of various government loans, and can be the best choice for those in search of educational finance. They have higher loan limits with attractive interest rates. Similar to the federal loans, they also have a grace period and students do not need to start repaying them prior to the completion of studies.

The grace periods of the loans vary from company to company and can be from six months to 12 months. Even though private student loans offer lower interest rates, they can be a little higher than the government loan interest rates, but much lower than other private loans. Unlike government loans, there are overhead charges often called origination fees, which are applicable at the time of the loan processing.

Private student loans are based on the credit history of the applicant or of the co-signer. This type of loan is utilized by students who are not able to pay for their educations without a loan but cannot apply for federal loans due to the possession of assets beyond the qualifying limit or due to higher income of the family.

Private student loans are looked as an alternative to federal student loans for parents, known as PLUS (Parent Loans for Undergraduate Students) loan. Private student loans need not be paid back until graduation, whereas the repayment of PLUS loan starts soon after the procedures. Many international students can also acquire these private loans with the help of a co-signer. The loan amount is paid directly to the school by the lender and the remaining money is given to the student for living expenses. Due to a lower interest rate, these loans are widely used by students. Today, many companies also offer online private student loans.

Martial Arts Student Learn Self Defense with a Walking Cane

Black belt students and their families at Personal Mastery Martial Arts learned how to defend themselves using only a cane last Saturday. They learned that some of the best tools for self defense can be items that are used every day, like a cane. Although cane seminars have been taught at Personal Mastery Martial Arts before, this was the first one in several years and all of the students came away from the seminar with more knowledge about self defense, feeling safer and more able to defend themselves.

One participant, Kim McGowan-Jackson said, -The cane seminar this morning was so awesome! Everyone was great and learned some fantastic new skills. The cane is up there as one of my favorite in weapons. Love it!-

Although students at Personal Mastery Martial Arts begin to learn how to use weapons, such as long staff, from the time they are intermediate students in the Tae Kwon Do program, this was the first time for many of these students using an every-day tool for self defense. It was a brand new experience that opened up their eyes to different ways in which they would be able to defend themselves, if the need were to arise.

The seminar was taught by Master Instructor Brett Lechtenberg. Brett is known as -Utah’s Leading Family Safety Expert- and has been teaching personal and family safety for over 20 years. He is also the owner of Personal Mastery Martial Arts. He has taught a large variety of safety and self defense seminars from anti-bullying seminars, to women’s self defense, to defense against home invasion. He often visits other martial arts schools across the country and teaches these self defense concepts and techniques to others as well.

Master Instructor John Nottingham, who owns the USA Martial Arts school in Arizona, said, -We had Master Brett Lechtenberg teach the cane seminar at USA Martial Arts and it was outstanding! Practical, fun, and super easy to learn.-

For more information about martial arts in Sandy check out the website: Sandy Martial Arts