A Day in the Life of a Homeschool Student!

Perfection itself! (This is a joke! I was homeschooled all the way through and love home schooling!)

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This digital document is an article from College Student Journal, published by Project Innovation (Alabama) on June 1, 2009. The length of the article is 3863 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

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Title: Sleep patterns and symptoms of depression in col… More >>
Sleep patterns and symptoms of depression in college students.: An article from: College Student Journal

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A 0,000 student loan is murder-but then so is a human head stashed in your pantry. Anyone who has ever struggled under the weight of a hefty student loan can appreciate the extreme lengths one might be willing to explore in order to shift the burden a bit-even if it means stealing the head of a corpse, or traveling into the past. Mariah Garrett has two weighty problems-crushing agoraphobia, and a six-figure student loan, the result of locking herself away in a seaside Victorian cottage to complete her PhD-online. While desperately looking for something to sell on eBay one morning, Mariah discovers a staircase in the back of a closet. As she starts down, her foot catches, plummeting her to the bottom-and into the year 1957, wh

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As the cost of a college education continues to increase at a rate of about 9% annually—nearly three times the rate of inflation—more and more college students are taking out loans to cover tuition, fees, and other expenses. Median undergraduate student loan debt is currently close to ,000, and graduate students end up with an additional ,000 in debt upon graduation. Pile on thousands more in credit card debt, and many college students today graduate with massive financial burdens that they are not prepared to handle. In Zero Debt for College Grads, noted personal finance expert Lynnette Khalfani provides a thorough roadmap for stress-free living that will allow recent graduates to focus on their burgeoning careers while navigati

“Zero Debt for College Grads: From Student Loans to Financial Freedom” Reviews:

Review by Mariane Matera
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I was very disappointed in this book after seeing it highly praised in my daily newspaper’s finance section. The useful information would make a much smaller book. The first third wastes time and pages saying, “you will learn…this book will teach you…” Well, I already have the book. You’ve sold me the book! Get to the point! The info about different types of college loans and refinancing them I had just found myself on the college financing Website, so I was disappointed she had no new information there. And how to pay off your credit cards quickly…duh! Pick a strategy: pay off higher interest rates first, lower balances first, or highest balances first, whatever floats your boat. The problem with that is it all requires money. I never learned how she paid off 0,000 worth of credit card debt in three years unless she made 0,000 more than she needed to live on in those three years. All she is teaching you is how to manage your vast income so it quickly pays off your vast indebtedness. The book I really need is how to pay off vast debt with inadequate income. This is not that book.

Review by Imara219
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My mother loves saving money and making a budget so I grew up in an atmosphere of financial gain. After college, grad school, and entering the “real world” for the first time I found myself charging too much on my credit cards and having to pay high student loan fees. I heard Ms. Khalfani on the Russ Parr Morning Show and I decided to give her book a try.

Now there was a lot of information that did not pertain to me because I’m not heavily in debt, BUT everything she said was on point. She offers great money saving suggestions/options that I forgot about or was too lazy to actually do; she provides wonderful links and info on ways to “beat the system.” For example, my mother has been nagging me for months to call my credit card company’s to lower my interest rates. I slowed around to doing it but I was glad to read that Ms. Khalfani mentioned the same advice, she tells ppl how to get through to creditors, how to lower their interest rates, how to move their payment dates and why. Most of all she provides one of the best suggestions for credit card debt reduction.

Overall I found her book to be full of great information. This book is for those who truly want to pay off their bills and not just pay on them or live paycheck to paycheck. If you want to eventually, have more money in your pocket I suggest you buy this book.

Edited Aug. 7, 2007:

I strongly believe the author provides the readers with enough suggestions to bring in additional income. She spends an entire chp. discussing how to cut corners how to help you manage your debt. I can see her getting out of 100,000 dollars of debt by slicing her living expenses in half and getting another income flowing. I think anyone even with limited means can do this. Essentially what the author is saying is that if you live in a 1 bedroom, downgrade to a studio and get a part time job. Or move into a 2 bedroom with a reliable roommate. I think a lot of her tips are helpful. However, I do think for some who are aware with budgets and how they work I would recommend her other books, such as, The “Money Coach’s Guide to Your First Million.” If money is extremely tight and you are working on a really tight income with high debt I also recommend: “Girl, Make Your Money Grow!: A Sister’s Guide to Protecting Your Future.”

Review by Christy Hoy
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I recommend any one with college debt or any considering going to college to read this book. Its wonderful. I have alot of debt and this is helping eliminate it quicker thank I thought. Thanks!

Overall Rating: (out of 7 reviews)

Price: $ 4.99

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Skyrocketing tuitions have become a national concern. The average four-year college degree now costs more than ,000, and that sum is growing at a phenomenal rate, forcing unprecedented numbers of college students into student-loan debt. In 1995, the Educational Resource Institute issued a report warning that borrowing has exploded to record levels and is expected to double in five years. Whether they’re just beginning to think about paying for college, are currently in school, starting repayment or already overwhelmed with debt, students, as well as recent graduates and parents, find The Guerrilla Guide to Mastering Student Loan Debt an indispensable guide to navigating the student loan maze. In clear, lively and reassuring chapters, it

“The Guerrilla Guide to Mastering Student Loan Debt: Everything You Should Know About Negotiating the Right Loan for You, Paying it Off, Protecting Your Financial Future” Reviews:

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I have found myself graduated and placed in a law career that I never wanted, thanks to my family’s pushing a smart but “too nice” young man into a potentially “lucrative” but intensely stressful and blood-spilling career as a lawyer. Of course the family never paid anything because they are simple lower middle class people who had a dream that their bright young son would become a smashing success. So now I have a 0,000 debt and stuck in a career that I dread (I wanted to be a damn scientist, not a LAWYER). This book is pretty good on telling you exactly how the government can wreck your life with its easy to get student loans, but it doesn’t have any hands down cure. It is dated already in that a year after it was published congress took away the 7 year waiting period for a bankruptcy discharge. Now you may NEVER have your educational loans discharged, so they will chase you and harass you and try to reposess your things even when you are old and grey, all for your mistaken career choices made as a youth. For those who are sucked into the student loan system without rich parents to bail them out or pay the bills, there is not much anybody can do for you. This book SHOULD BE READ BY ANYONE WHO DOES NOT HAVE ASSETS and is thinking about taking loans to go to school. READ IT because nobody else is gonna tell you how absolutely crushing this educational debt can be to your dreams. Then you will see that NOBODY in their right mind should get into serious nondischargeable debt for what is at best an uncertain hope that you will maybe be able to get a job and pay it back through continuous work through what should be the prime years of your life. READ THIS BOOK BEFORE YOU SIGN THE PROMISSORY NOTE!!!!!!!!!!!

Review by Dr. Elizabeth Gorham
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I read this book right before going through the consolidation process. I have a student loan over the 0,000 mark. This book was unbelievably helpful – easy to read, clear, humorous, and hopeful. It allowed me to take control of the process and make an educated decision about repayment. I read it through in about 2 days, then re-read it several times. After I read it, I emailed it to all of my friends in graduate school (and recently graduated). It’s helped all of us. It was the only thing out there that broke it down and explained it all to me while also offering practical advice. It was the only one that addressed the emotional issues around student loans as well – at least someone else out there knew how it felt! It’s a great book and I highly recommend it.

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This book really will not help you if you already have student loan debt. If you do, the advice is simple – hunker down and pay it off. If you have no student loan debt, read this book and reconsider your desire to go into debt for your education. You can get a good education on the “pay as you go” method if you do it right. Take it from someone who made all the wrong choices – don’t go into debt for your education!! I don’t recommend this book if you already have sutdent loan debt – focus on paying it off. Save the money you’d spend on this book and put it toward your loan payoff.

Overall Rating: (out of 9 reviews)

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Failure to pay back your student loan can mean having your wages garnished, tax refund intercepted and your credit damaged. Take Control of Your Student Loan Debt presents simple, effective ways for you to get out of student loan debt. The book clearly explains: • what the repayment options are
• how to postpone repayment
• how to avoid default
• how to handle collection efforts by the government
• how to get out of default
• when to choose bankruptcy Take Control of Your Student Loan Debt includes sample forms and letters.

“Take Control of Your Student Loan Debt” Reviews:

Review by Ray Woodcock
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I an an ex-lawyer with considerable exposure to some student loan issues. This book still told me things I did not know. I recommend it for people with minor, moderate, or severe student loan difficulties who are not thoroughly familiar with the rules governing their loans, or who are looking for new ideas on how to deal with their loans. This is not to say that anyone should rely on this book by itself. Things often get complicated when you proceed past the general-purpose advice to the specifics of your own case. The primary value of this book is to alert the reader to the overall shape of the problem or solution. My copy describes itself, on the back cover, as a “substantially updated 2nd edition.” Its title page indicates it was last revised in February 2000. This may well be true. If so, I would distinguish “substantially” updated from “fully” updated. The book repeatedly refers to court decisions that are now a number of years old — describing a 1993 case, for example, as “recent.” In addition, I have some concerns about the book’s accuracy. For instance, in discussing the legal defense known as “laches,” the author says, “[I]n only one case has a former student defended against a lawsuit claiming laches.” (Pg. 7/37.) This is incorrect, and I believe it was mistaken even at the time of the first edition. I would say that the author also misphrases the state of affairs when s/he says, “In general, you cannot assert the defense of laches against the government.” A more accurate phrasing would be that “the defense of laches is unlikely to succeed against the government.” There appears to have been some softening on the issue in other contexts in recent years, and other courts reviewing the one case to which the author refers have not generally said that the case — granting a discharge to the student on grounds of laches — was decided wrongly under its particular circumstances. To provide one other example of error, on page 10/13 the author lays down the blanket rule that a student loan cannot be discharged in bankruptcy if it was made by a government unit. This is not what the law says. In context, I suspect the author meant to say that it CAN be discharged in bankruptcy if it is NOT made by a government unit. The book does explain the relevant laws more carefully elsewhere; the net effect of this error will probably be (a) to mislead a few people who do not read those other sections and (b) to confuse everyone else. The important thing is to use a book like this to gain a general orientation to the issues, and take seriously its final chapter, which offers a bit of advice on how to do your own legal research. If you proceed that way, you will tend not to be confused by the occasional imperfection in general-purpose books like this one (and at this point, I don’t believe anyone can help making at least an occasional mistake), and with a fair amount of effort you will probably be able to save yourself the expense and hassle of making obvious, costly, time-consuming errors in deciding how to proceed with your own case. I have not found another book with anywhere near as much useful information on the subject of handling student loan debt. I highly recommend this book to anyone who is willing to use this book as one should use any legal authority: read it, understand it, and double-check its conclusions.

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The author has taken information which is available in your student loan packet and from your lender, complied it with inaccuate state information, compiled it into a book and given it a title. A total waste of money. I returned the book for a refund.

Review by JAB
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This book is amazing!!!! I have read all of the other books out there… searching for the detailed information that I needed to help me get out of default one step at a time. This book finally did it! There is NO way that I could have rehabilitated my loan without learning how to negioitate with my guareenteer from this book!

Overall Rating: (out of 5 reviews)

Price: $ 21.65

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• ISBN13: 9780470506899
• Condition: NEW
• Notes: Brand New from Publisher. No Remainder Mark.

Graduation Debt is different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt. The book’s content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to

“Graduation Debt: How to Manage Student Loans and Live Your Life (Cliffsnotes)” Reviews:

Review by A. Sell
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The book is packed with easy to understand tips for how to maximize your tax return as a college student. The author does a terrific job of breaking down the basics of how to get out of debt- responsibily. This would make a GREAT gift for any student about to graduate this spring. Also a wonderful resource for parents who have kids that are about to graduate.

Review by Derek Freiley
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Graduation Debt was the most helpful book I have read in along time. Debt is something that is far too easy to get into and much too difficult to get out of, especially when you are in college. I learned so much from the Student loan payment section and consolidation! It was exactly what I needed to know since I am a first generation college student. I enjoyed the book because it was very personal and the author drew from her own experiences and kept the book interesting and informative all at the same time. This is the perfect book if you are looking at applying for Student loans or if you have applied for student loans because it tells you what you can do to make your loans easier to pay back and not something you will be making payments on well into your forties. I think high school students could benefit from the book because the credit hole is easy to fall into once you graduate high school. I see myself using this book for years to come until I pay off my loans.

Review by anna schneider
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This book was very helpful in explaining not only how to manage debt but also create (and stick to!) a workable budget. I’ve avoided my personal finances for years but, with advice from the book, have now developed an actual, working budget. And the checklists at the end of each chapter lay out what you need to do in easy, digestible tasks.

Overall Rating: (out of 5 reviews)

Price: $ 8.31