Category: education

Associate Degree Vs. Bachelor Degree

There really are few ways to compare a two-year education with a four-year education that would be fair to either degree program. The truth of the matter is that both are excellent for certain things while both also offer serious limitations. When it comes to pros and cons they both have their own set of both that make excellent food for thoughts.

Two-Year Education

Pros

When it comes to a two-year college program there are several things you should consider in its favor before you take the plunge. First of all, you should keep in mind that the degree or certification at the end of your studies doesn’t necessarily indicate the end of your education. Two-year degrees are excellent starting points for four-year degrees but also allow you the option to venture out into the workplace with your own skills and knowledge that will allow you greater earning potential than a high school diploma. You will also have the benefit of entering the work place much sooner with an associate’s degree than with a bachelor’s degree. Most importantly for many who are limited by budgets, two-year colleges offer an affordable alternative for an education or even the first two years of your education.

Cons

The biggest cons that most people find when it comes to getting a two-year degree is the growing competition for limited jobs. In fact, it is difficult to remain competitive in any industry when there are more and more entering the work force with bachelor’s degrees. It is simply more difficult to maintain a competitive edge with only a two-year degree though it is not impossible. The other obvious con when it comes to two-year college degrees is that fact that some positions will not even consider anyone with less than a four-year degree. This means that you aren’t even in the running required to worry about competition.

Four-Year Degrees

Pros

A bachelor’s degree will earn you far greater earning potential in your lifetime than a high school education without a doubt. It will also place you in a position of serious competition within your chosen field or industry. This means that you will often be given preference when seeking jobs over those who do not have degrees or those with lesser degrees regardless of experience. There is also not enough that can be said about the personal confidence that goes along with earning your degree. You will find that you are much more confident on both a personal and a professional level once you’ve earned your bachelor’s degree.

Cons

The single largest con associated with a bachelor’s degree is the expense. Both in terms of time and money bachelor’s degrees exact a price. You should be certain that you are both willing and able to pay that price before setting out to get your degree.

Regardless of whether a two-year degree or a four-year degree is in your personal best interest at the moment neither are a waste of time or effort. I hope that you will eventually seek a four-year degree, as this will give you a competitive edge in business, however, even the smallest improvement in your education level can mean big changes over the course of your lifetime. Sometimes it helps to improve your education in steps. Take one class at a time until you have your associate’s degree then repeat until you have your bachelor’s degree. Good luck!

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Educational Savings Accounts

When it comes to getting a college education, financing is one of the most important considerations that you will need to make. Unfortunately for far too many it is one the last considerations that is made when it comes to the educations of our children. If you are a parent you owe it your child and yourself to plan ahead and plan carefully in order to cover the cost of your child’s education. There are fortunately, a few great ways in which you can do this.

The most common is to begin by opening up an educational savings account for your child (under the age of 18). When you open up an educational savings account for your child, you can contribute up to $2,000 per year per child. This is a combined total contribution however and includes the contributions of grandparents, friends, and family in addition to your own personal contributions. The money from these funds can be withdrawn tax-free as long as they are used for educational purposes.

Educational expenses in this case include books, tuition, fees, supplies, and college room and board provided that your child is at least a part-time student. If you do not use all the funds for your child there are options as far as what to do with the remaining funds in the account. The first option would be to leave the funds in the account and allow the account beneficiary to withdraw them up until the age of 30. There is a penalty involved and the beneficiary will be required to pay income tax on those funds. You could also elect to roll those funds over to the next child under the age of 18 who will have educational expenses in the future.

The money you set aside in these accounts to cover the cost of the education of your child or children is not tax-deductible however, it is a great way to begin saving money and investing in the future of your child. If you begin investing the maximum amount $2,000 per year upon birth your child should have a nice nest egg to help cover educational expenses. If your child is fortunate enough to qualify for scholarships and other sources of financial aid you can turn the funds over as a graduation gift or save it for the next college student in your family that comes along. Either way you’ve saved yourself a good part of the worry that goes along with providing for your family by having this fund set up for your children.

You can sign up for programs like Upromise in order to subsidize your contributions with donations from corporate sponsors as their way of thanking you for buying their products or using their services on any credit cards that you, your friends, and your family members have registered to go into your child’s account. Every edge you give yourself when it comes to investing in the education of your children is an edge worth having. College tuition rates are rising at an alarming rate while corporate expectations of college degrees are rising at the same near lightening speed. This means that a college degree is more critical for our children than in any past generations.

Take the time now to check into securing the future of your children by establishing an educational savings account. Let friends and family know that any gifts they are planning to give your children that involve money would be appreciated if they instead invested in the future of your children rather than the now. You can also ask your friends and family to sign up their credit cards with Upromise in order to provide a little bump in donations to your child’s college savings account. These little steps add up to significant savings over the course of 18 years. You just might find that the investment you are making is adequate to cover the costs of your child’s tuition in full.

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Community College Advantages

If you happen to be fortunate enough to live in a community that has a community college you should really make the time in your schedule to check and see what kind of classes they can offer that can help you advance your education and your career. You might be amazed at the different types of courses you can take even on the community college level. I know that I have found some of the courses that are offered and the degree of learning that takes place to be quite impressive. I think that many people who have in the past disregarded the important role that community colleges play in providing an affordable venue for learning will be quite amazed as well.

Community colleges have an undeserved reputation for inferiority when this could not be further from the truth. A good many of the nations nurses are products of community college educations. In many states, the associates degree nursing programs are quite rigorous and provide more clinical experience than most bachelor’s degree nursing programs. This means that students graduating nursing school with an associates degree in nursing are often better prepared to deal with patient care than those who have the ‘superior degree’. This by no means is meant to disparage B. S. Nursing students at all. In fact, most hospitals will not even consider you a candidate for an administrative nursing position unless you have the Bachelor’s degree. This is only meant to point out that associates degree programs can be quite competitive and inclusive despite common misconceptions.

Of course there are other benefits to learning on the community college level, at least for the first two years of your education. One of those benefits that speaks volumes to me is the fact that teachers in community colleges are dedicated to teaching. They are not working on their own research or books. They are there for the purpose of helping you achieve your goals, which means you aren’t an interruption in their pursuit of their own goals.

Community colleges also offer an excellent buffer for students who may not have been on top of their game academically in high school or those who are returning to college after a long absence from academia. You won’t find the large auditorium classes on the community college level that major universities are famous for offering. You also won’t find that teachers do not have time for their students. There is a lower teacher to student ratio in community colleges so that professors will have time to address the needs of students.

Another benefit is that even if you do not go on to get your four year degree after completing your community college education you will find that your earning potential is significantly improved over those who do not have at least a two-year college education. Research also indicates that students who complete a two-year degree program at a community college are more likely to finish and get a four-year degree than those students who begin their educational experience at a four-year university.

There are a few problems that can be associated with a community college education and you should take note of these so that they do not become a problem for you. First of all, some universities do not accept many of the courses that are offered on the community college level as transfer credits. Make sure that you know what courses are required for the university that you are planning to transfer to in order to avoid this. You also may find that you are limited on the courses you can take and the times in which they will be available. Make sure that you have all the limited courses well ahead of time so that you aren’t taking another year of classes in order to graduate.

All in all, a community college education can be just as enlightening as a university education if you enter into the process with an open mind and a willingness to learn. I hope you take advantage of this much less expensive option before moving on to university courses if possible.

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Online Education Offers Unparalleled Learning Freedom

As the information age rolls on we are finding more and more universities that are willing to invest in the education of students who may not necessarily be in a position to attend classes at that particular university. The offerings are still somewhat limited but there are opportunities to earn associates, bachelors, and even master’s degrees strictly though online course work. This is something that was virtually unheard of even a few years ago.

Today’s students truly do have more options available to them than ever before if they are willing to invest the time and effort into their studies, there are few limits to the level of education you can receive, even if it has been years since you last attended a university or community college. Even those colleges and universities that do not offer full fledged degree programs exclusively through online learning mediums are beginning to offer many courses online for students with busy schedules and lifestyles. This means that you now have the opportunity to combine distance or online learning with a few night or weekend courses in order to complete your degree even if you have a full time day job and family that needs to see you at home on occasion.

Even if a degree is not something you are necessarily seeking you might be amazed at the wide array of courses that are available for those interested in increasing their depth of knowledge on different issues from the comfort of their own homes. I know that the idea of self-directed online learning opportunities appeal to me on many levels. These opportunities however, are not necessarily a good idea for everyone. We all learn in different manners and some of us learn best by actually being in the classroom and hearing what has to be said or from hands on experience. This type of learning is not necessarily possible when it comes to distance learning in an email or bulletin board type of environment, which is how many Internet classrooms operate.

Online learning is also not a good idea for those who aren’t perfectly willing, able, and capable of holding themselves responsible for their learning. Face it, for some of us it is much easier to get up and go to a classroom than it is to force ourselves to log on and pay attention at home. We all have areas in which our discipline is well in hand and others where we seem to have no discipline whatsoever. If you can’t hold yourself on task or have difficulties not being distracted by the many other novel things there are to do online you might be best served through an actual classroom experience rather than a distance learning environment like those of online classes.

This is not meant to discourage you from distance learning or online classrooms. In fact, I think these are by far the best option for many working professionals who are seeking to advance their careers, knowledge, and/or earning potential. You will not need to feel as though you are choosing between the future needs of yourself and your family and the limited time you have with your family already. You can schedule around your family time and make the sacrifice when it comes to sleep.

With online classes it doesn’t matter if you are in your pajamas or in a suit and tie you can still do the work you need to do online and no one will be the wiser. You also might find that you can squeeze your education into your lunch hour, particularly if you can type and chew at the same time. The truth is that online classes offer superior flexibility to those hoping to further their education. Whether you are hoping to earn a degree or simply wish to broaden your horizons by taking a few online classes, you just might find that the possibilities are limitless once you begin taking these courses from home.

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Common Types of Financial Aid

If you are planning to attend college or the parent of a child you hope will attend college, I’m sure you are concerned over how you are going to be able to afford the process. A college education in many cases is a significant investment. The good news is that there are many options for the average family when it comes to paying the high costs involved in higher education.

Types of Financial Assistance for Educational Expenses

Scholarships. You will find that scholarships come in many different shapes and sizes and have all kinds of strange requirements in order to qualify to receive them. Some are based on need while others are based on merit. You will also find that there are many community and faith based organizations that offer scholarships in addition to certain corporations that offer scholarships in a gesture of good will to employees and the children of their employees. These are an excellent source of educational funding, as they do not need to be repaid.

Federal Pell Grants. This is another financial aid source that doesn’t require repayment. However, you must qualify based on need in order to receive this particular type of college assistance. You can only obtain a Pell grant if you are an undergraduate college student who has not yet earned a college degree. There is a formula that is used to determine the amount of award for which you are eligible. This depends greatly on your means as a family and how much you can realistically expect to contribute towards the cost of your education.

Loans. This should be used as a last resort when it comes to paying your college expenses, as this is money that must be repaid with interest. There are several types of loans that are available and you should consider carefully and weigh your options before taking out a loan. However, if this is the only method you have for covering the cost of your tuition it will be money well spent once you’ve managed to repay the debt.
1) Student loans. There are three different types of student loans: subsidized, unsubsidized, and Perkins loans. You must qualify in order to receive an unsubsidized loan, which will put off your interest accumulation until after graduation or you cease to be enrolled the minimum number of hours. You do not however, need to qualify in order to receive an unsubsidized student loan, which will begin accruing interest immediately. If you happen to be in exceptional financial need you can apply through your university for a Perkins loans. These are low interest loans that must be repaid to the university.
2) Parent Loans. These are commonly referred to as PLUS loans (parent loan for undergraduate students). These loans allow parents to borrow the money required to cover the costs of education that are not covered by other means of financial assistance. Repayment on these loans begins 60 days after the funds are transferred and can take up to 10 years.
3) Private loans. These loans are not guaranteed and are solely credit-based loans. They do not however, have the same limited scope that government loans have and in many cases can help bridge the gaps in actual educational expenses and the amount of money that you are allowed to borrow through traditional financial aid opportunities.

Before signing up for any particular sort of financial aid it is a good idea to see a financial aid counselor at the university you are planning to attend. They will have the best information about what steps you need to take in order to apply for financial aid at that specific universities and unique scholarship or grant opportunities that might be available to you through your state or the college. Higher education is a dream that is definitely worth having. Do not allow financial limitations to keep you from your goal if possible but enter into all financial arrangements with great caution and thought.

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Student Loans Should be Last Resort

Student loans are both a blessing and a curse to college students all across the country. On one hand, student loans allow you to have the money you need in many cases to attend college at all. On the other hand, most college students, particularly those entering college for the first time have inflated opinions of their starting salaries upon graduation and the bills they will face while living in the real world. In fact, most freshmen college students have no real concept of the limits of money in which to base their decisions as to whether or not they can realistically expect to repay those funds once they’ve graduated college.

The sad truth is that many college graduates find that for the first 10-15 years after they have graduated college, they are essentially indentured servants to their student loan debts. There are many reasons for this and different college graduates will find different things about their student loans when the appropriate time comes. First of all, those taking out student loans need to understand that a college degree does not guarantee a high starting salary. Beyond that, a college degree is no guarantee that there will be employers lining up to take your name and number upon graduation. The truth is that most college grads take anywhere from 6 months to a year to find a job in their fields and even then the starting salaries are often far less than anticipated.

Part of the blame for over-inflated expectations is the fault of universities attempting to validate their high tuition rates by displaying average starting salaries of only those that have successful offers in the field of study immediately upon graduation (which usually indicates a history of working with the company or another company as an intern prior to being hired) and not those students who have no prior work experience in their chosen fields. Part of the expectations is students reading job advertisements for experienced workers in a field and assuming that an education will provide the experience that employers require. Regardless of the reason, most starting salary expectations are not realistic in light of the current market.

The problem is that for many students a student loan is the difference in receiving a college education or not receiving one. For these students, there is no option. The price they will pay (with interest) for having student loans in order to get through the educational process will repay itself over the course of a lifetime if they are wise about making the necessary payments and stay on top of things such as consolidation loans and making payments on time.

Student loans are a great tool for those who have no other options when it comes to attending and affording to attend a university. On the other hand, for those who do not have an absolute need for the funds a student loan can provide they can prove to be problematic when trying to establish your career and your lifestyle upon graduation. This is a tool for education that should be used sparingly at best.

Whether or not you choose to take out student loans in order to fund your college education it is a good idea if you exhaust all other available resources first. Check out your options for grants, scholarships, and work-study programs before leaping into student loans to pay for your education.

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Free Application for Federal Student Aid

For any student hoping to attend college in the coming year, the first place you need to start is by filling out the Free Application for Federal Student Aid that is commonly referred to as FAFSA. The earlier you fill out this form the better as far as your chances of receiving the full amount of financial aid that is available to you as well as to clear up and fix any potential problems that may arise well ahead of the deadline for aid being awarded.

The final date for application changes from year to year and is generally somewhere near the beginning of summer. Earlier is much better than later as far too many students wait until closer to deadline in order to fill out their forms and if you have any questions you are likely to find yourself standing in or calling into longer lines for your answers.

There are a few things you need to know about the FAFSA. Most schools require this form to have been filled out before they will award any financial aid, not just federal financial aid. In other words you should check with your school but you may need to fill out this form even if you are only applying for departmental scholarships and not federal financial aid. It is a good idea to begin at the financial aid office of the institution you plan to attend at any rate to make sure they do not have additional forms that they require you fill out in order to apply with financial aid through the university or college as well as the federal government.

Another thing you need to be well aware of is that you will need to fill out one of these forms for each year that you hope to receive financial aid of any kind. This is not something that is automatically renewed or guaranteed. There are many changes that could affect the amount of money you are eligible to receive as well as whether or not you are eligible to receive federal funds at all on any given academic year. For this reason you must apply for aid for each year that you attend.

Another thing that you must remember is that while a subsidized student loan doesn’t been to accrue interest until you graduate or cease to be enrolled for the required hours, an unsubsidized student loan begin accruing interest from day one. This means that you will owe a substantial amount of money in interest upon graduation if you take out an unsubsidized student loan in order to pay for educational expenses.

Student loans make college educations possible for many people who would not otherwise have the opportunity to attend college. At the same time there are many people, who neglect to use these loans responsibly, which is the beginning of irresponsible spending habits that can plague people for the remainder of their lives. Take great caution that you use your student loans for their intended purpose and use them wisely.

The FAFSA also enables you to apply for Federal Pell Grants and Federal Work Study programs in addition to student loans. Of the three mentioned above, student loans should be a last resort rather than a first. The amount of money available can prove to be quite tempting so be very careful and read all the terms before signing up for any and all financial aid. Your high school, college financial aid office, and the Internet are all excellent sources for information on scholarships, grants, loans, and work study programs for which you may qualify.

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The True Value of a Two-Year College

Higher education in this country is rapidly becoming a necessity in the business community rather than a luxury. There was a time when those who had a high school education still had the opportunity to build a better world for themselves and their families. Those days are rapidly becoming another dieing ember of the past. If you hope to have significant earning potential during your lifetime you are almost completely limited by your learning potential and the level of education you have received.

The good news is that you do not have to have an all or nothing approach when it comes to education. You can begin by taking baby steps when it comes to higher education. If you have a community college in your area, this is one of the greatest resources for beginning your college education at any stage in your life. Most community colleges offer classes at various times during the day and evening, even some on Saturday in order to accommodate students of different ages and backgrounds.

Community colleges also offer an excellent opportunity to begin your learning quest in a manner that is much more easily affordable to the average citizen than a full-blown university. These colleges are largely commuter colleges though there are several that allow students the experience of living on a college campus at a much lower price than most major universities charge for the same or very similar privileges.

Community colleges also allow you to explore your options if you aren’t really sure what direction you wish for your education to take without paying such a high price for the process. If you know the career path you wish to take you might find a two-year degree program that can have you out of school and in a career much sooner than a four-year program will allow. If that isn’t good enough news for you, many of the two-year programs of study that are offered at the community college level may very well transfer quite easily into bachelor degree programs at the university level.

Community colleges offer an excellent start for many people who are seeking higher education whether to further their careers or just to find fulfillment on a personal level in life. There are many wonderful programs in vocational fields as well as academic fields that can be explored and studies on the community college level.

For graduating high school students community colleges help students ease into the adjustment from high school to college without going through the culture shock that some universities can put students through. You will find that there are often many opportunities to meet educational as well as social needs on the community college level for students that are interested in pursuing a community college education.

You should also discover that community colleges are much easier to budget when it comes to setting aside funds and savings for either your personal college education or the educational expenses of your children. Having them attend a community college for two years then transferring to a University can save a great deal of money and provide you a little piece of mind that your children are still receiving an excellent level of education.

Seriously, if you are looking for an excellent value when it comes to education you would be doing yourself or your children a disservice if you do not check out the community college options in your area before taking the plunge and diving into the university lifestyle. You will find that community colleges often offer an equal level of education for the introductory classes that first and second year college students often take, they are a much better value for the money, and they are an outstanding values for those who are trying to juggle their education with family and work responsibilities.

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University Disadvantages

We have discussed some of the wonderful advantages that university life and educations present. However, we must in turn discuss some of the other disadvantages that are associated with university learning as well. While we discuss these you should keep in mind that they do not by any means indicate that you should give up on your higher education goals, only that you should view your educational process with realistic expectations.

When compared with the community college system the very first and most distinctive disadvantage that comes to mind is the high cost of upper education on the university level. Community colleges are simply more cost effective all around than universities. The costs go well beyond that money that would be spent on room and board making the tuition alone cost prohibitive in many cases. While there are many types of financial aid available to students the vast majority of college students in this country make ends meet through the use of student loans, which must be repaid at quite a hefty interest rate, in order to cover the costs associated with university educations.

Beyond the one obvious disadvantage there are a few other disadvantages that bear mentioning in this particular circumstance. First of all, universities do not have the small intimate classroom settings that literally set community colleges apart. In fact, for lower level course, most universities offer large auditorium classes that are taught by graduate students rather than professors and more often than not the students never get to know those who are charged with their education on more than a nod and smile while passing in the halls basis. This method for learning is considered by many to be exceptionally inferior and the statistics prove that students who go straight into a four-year college environment rather than going through a community college first are far less likely to complete their degrees.

If that isn’t enough of a disadvantage, many people find that the impersonal atmosphere of most universities is quite limiting when it comes to interaction with other students. The smaller classroom environments of community colleges invite interaction between the students in the class. An open line of communication within the classroom is greatly preferred to having so many students that no one gets a voice or the ability to voice their opinions or personal experiences when it comes to certain topics.

Another disadvantage to university life is the sheer size of university campuses. Community colleges tend to be much more compact. This means that students have a fairly decent chance of making it to all classes on time and without the worry of walking 2 miles in ten minutes. While this is great for physical fitness, missing the first ten minutes of class each week can limit the educational process that your university experience should be providing. It seems like such a small thing on one hand but when you are hauling around a day’s worth of textbooks and a laptop–that hike can be the thing that marines seem dubious about accomplishing.

While there are a few distinctive disadvantages to university life, the fact remains that graduation from a university is the single biggest way to increase your earning potential over the course of your lifetime. The amounts are by no means insignificant. I highly recommend whenever possibly that you attend community college for the first two years of your college education. Beyond that, I strongly urge you to consider the value that completing your education and getting a four-year degree can provide.

If you wish to build self-confidence, earning potential, and job security, there is no way of doing so that is superior to getting a four-year degree. It doesn’t matter where you are in life or your career; it is never too late to begin getting your education. There are so many things in the world that a good education will open your eyes to in addition to the doors of opportunity a four-year degree will open.

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PRIMARY WORDS:Master Degree
SECONDARY WORDS:Degree , knowledge
PAGE TITLE: HAVING A MASTER’S DEGREE
SUBTITLE:degree courses

Pursuing a post-graduate degree is a smart move if you are inspiring to go up the career ladder and occupy a top post in your company. In the face of stiff competition, you need more just brains, hard work and loyalty to reach the peak. Nowadays firm look for individuals who posses the ability to communicate, motivate, persuade, resolve conflicts and handle challenges in an ever-changing corporate world. Getting a master’s degree helps you learn and develop more of the skills.

Getting master’s degree help boost self-confidence, gain and edge over the competition, expand web of contacts, broaden perspective about work and the world, and improve working relationship with bosses, coworkers and clients.

If you plan to get it, there are several things you should consider. First, select relevant program. Have a clear-cut idea of what program to enroll in and know your purpose for obtaining it. Are you in it to broaden your knowledge, meet new friends, gain prestige, or simply ear units needed for a promotion? Studying can become complicated of the university you want to enroll in is outside your locality, say, abroad. You have to ask permission from the office to take a leave of absence for months or years. Well and good if your boss is supportive. Some heads of offices, however do not allow employees to go on official leave for one reason or another. This hold true among scholars who are recipient of national or foreign scholarship grants that entail them to be away from work for a long period of time. You need to consider at length your options in cases like this.

If you are serious-minded about it, getting a master’s degree means the end of those carefree days and start of serious classroom duties. Your professors will swamp you with a bunch of case for reading and analysis. You have to read voluminous references and sometimes stay awake up to the wee hours of the morning to solve assignments. Out-of-town trips will require you to be away from work days. Then there will be sleepless nights reviewing for those dreaded exams. All these means that you will have little or no time at all for those diversions with friends and officemates. There will be times when you have to sacrifice even those weekends normally spent with your family. So learn to manage your time. Once classes start, draw up daily schedule of activities and religiously follow it. Set a specific hour or day of the week for reading, writing papers, solving cases and assignments. Strictly adhere to this timetable no matter what. Make exemptions only in extremely necessary cases.