Free Holiday E-Book

I have a nice ebook about holiday traditions that I would like to give to you absolutely FREE of charge. Please email me dottye789@earthlink.net to get your copy.

Pay Day Loans

Many people take out a Pay Day Loan to raise cash for unexpected expenses, to start a home-based business, or even to buy holiday gifts. The interest rates of these loans can border on Usury!

Have you taken out a pay day loan? What was your experience- good, bad, or ugly? Did it help, or did it just get you deeper into debt? Post your thoughts here!

Great Resource for Students-www.essayspace.com

A new web site has come up to help students with reserach for term papers. It is http://www.essayspace.com. Here, students can buy and SELL their term papers online. There is even a way to set up a "term paper circle" for FREE in which you can share your papers with a designated group of friends.

This is more than just your run of the mill term paper vendor site. CHECK IT OUT NOW!!

CLEP exams

I took several CLEP exams when I had already graduated from college, and was seeking teacher certification and did not want to get stuck taking a bunch of undergraduate courses. This really worked out for me. I thought the exams were easy, and actually enjoyed them.

One warning: just because a college is administering the exams, does not mean that they will accept the exams for credit. Don't assume that because your college's guidance office is setting you up with the exam materials, proctoring, etc. that they will actually grant you credit- find out first, and GET IT IN WRITING. I had to fight with the college involved- the guidance person I dealt with was very tricky; she implied that I could take the exams and then get credit, and then when the test scores were back, informed me that "F M College (no names given here) does not give credit for these exams". I went all the way up to the office of the president, and things got a bit nasty with the head of the English Department, but I won in the end. So, GET IN WRITING what the policy is, and avoid the "he said, she said" BS.

FOr more information about CLEP exams, Click Here!

The best company for Loan Consolidation

...is Collegiate Funding Services. I used to work for them abut four years ago, and they' re an awesome company to work for, plus they treat their customers right!!

In college there are two kinds of people, the party animal, and The sober guy. The sober guy stays out of trouble, studies hard, and sometimes keeps to himself. The party animal studies (most of the time), never avoids trouble, and socializes.

A party animal is always at the party, in line for the keg. He usually shows up early and parties too late. Rarely would one see the sober guy at a college party. The party animal never
cares about the brand of beer in the keg. On the other hand the sober guy, if he partakes in alcohol induced activities, would choose an imported bottled beer; for example, Corona with a twist of lime. Chances are that the party animal's favorite beer is Natural Light in a can, only if it's on sale.

The sober guy is always prepared for a quiz. A party animal usually studies for a quiz twenty minutes before class begins. He also misses his classes frequently. Sometimes, when the party animal shows up for class they are hungover or stoned. Often, a party animal's grades are affected by attendance. On the other hand, the sober guy is always on time for class, awake, and without a hangover.

The party animal is usually a popular guy. People are always saying hi to him or waving to him on campus. Most of the time he doesn't even remember who they are. The sober guy goes to class and that's it. He usually has the business before pleasure attitude. Once finished with the days studies he will then hang out with his friends, if he has any.

These are just two stereotypes of people on campus. They are almost exact opposites. The party animal doesn't avoid trouble, has poor study habits, and is very social. While the
sober guy has excellent grades, stays away from trouble, and doesn't have as much fun.

Student Loans and Grant Information

Welcome to Student Loan and Grant Information. This web site is dedicated to finding all current information regarding student loans and grants. I know many students struggle to find current information and need help finding student loans and grants.

Some students may wish to consolidate their student loans to save money. With the many financial programs available students have many options to choose from to finance thier continued education.

If you know any good information regarding student loans and grants please feel free to post it here. This way we can help more students get better educations through grants and other financial programs available to help students achieve their dreams.