Education: going away from America

Can you believe that the literacy rate of our nation's capital is less than the literacy rate of a developing country's average city? Take any city randomly and compare it with Washington DC. You will know our position in the world. One third of the population in Washington DC is illiterate.

We have the same problem in every state.  Only one fourth of the population has a college degree. Most of them are students from foreign countries. Even most of our colleges prefer foreign students. They go around the world in search of students as if we don’t have people in our country. Why don’t they search within the US? We got more than 300 million people in our country. But we can’t blame the colleges and universities. The problem is not in them, the problem is in us. We don’t give importance to our studies. We allow foreigners to overtake us. They come here to get education. Some of them get back to their country and some of them get a job and work here as our boss. Education is important for any individual as well as the country.

We also lack in understanding mathematics and science compared to others around the world. This is a problem of our education system. We need a change in the education system. That can be done by government. We need to learn a lot from other countries as well. I have been to 32 countries and learned many things, in which we are lacking in.

The parents have the duty to educate their children. Don't blame the government for everything. And don't allow children's to decide everything on their own. They should be the decision maker for their life but you should help them in deciding the right thing for their life. Tell them the pro and cons of every step.

We are proud of many organizations in our country as we got organizations leading the world. From business organizations like Microsoft, IBM etc to other organizations like NASA. But do you know that most of the people in all those organizations are from foreign countries.

Another reason for these problems is that we give more importance for entertainment and don’t care about our future. But the last recession cleared its importance. Think about yourself and your future. Take some time to think. Thinking doesn't mean to think while watching TV or while working somewhere. It means be free and alone. You can do it in your room or go to any park, sit and start thinking in fresh air.


We Americans are losing many things in which others are becoming masters. I hope to build a better America.

Master's Degree: Good or Bad

Many of those who graduated this year or are going to graduate next year will have a question: Whether to go for job or for higher studies? In most of the cases it depends on your interest. But sometimes you need to consider other factors also especially now, as we are be entering another recession.

The first thing you need to think on is that, can you afford it. If yes, then you don’t have any problem. But if you cant, you still for financing options. You can go for loans. But before applying for loan you have to think on many things like interest rates, time duration etc. You can read about student loans in other posts in this site.

Secondly, you have to think whether the degree is worth the money and time you put in it. Some people think that they can get a high salary job with an extra ( or master’s degree). On the other hand others think that they can get experience and promotions in 2 or 3 years in which others complete their degree. Check payscale site to get a clear idea about whether the degree is worth it or not. If you are still confused, ask me.

Each and every career is different. The decision also depends on the career you are in. Some careers require more experience and some require more knowledge. Some requires combination of both.

My suggestion is to go for distance education or online studies, which helps you in getting experience as well as degree. It is cheaper than regular degree.

Is America still on top of the world

America is known as the superpower of the world. But is it still on top. No, America is not the superpower today and if the same situation continues, in a decade we will be worst than another country on earth. We are going down in every way from economically to culturally. This situation is not because of the government, it’s because of each and every one of us. 

Everything we do effects are country. Our styles, habits, choices etc has an impact on our country. We won’t be the proud Americans as we were in the past.  Our government is not stating the exact details of the situation and the estimates. But it is clear that our future is in danger until we decide to change it.

Our literacy rates are lower than a developing country. Check out the literacy rate of any random city with any of our top cities like NY, LA, Chicago etc. Most of our colleges are filled with foreign students. Our students are dropping out in colleges. Many of our students don’t even pass high school. All the top professionals are foreigners who immigrated recently.

Another problem is the way we manage our money. Our savings rate is lower than any in the world. We don’t use our money effectively. We spent more than what we earn. Families should plan well to use their money effectively.

There are number of problems, which we need to solve to regain the position. And one cannot expect the government or any company to solve it. You might have seen that in some countries common people are getting together against the government for them and their country. We don’t have to get together to act against our government but we have to get together to change ourselves. Let’s change ourselves for us and our country.  

Student Loan – The Biggest Support to Education



Students loan



Every human being craves for a happy and secured life. The strategies vary from one person to another with the intention of assuring joy and happiness for lifetime. Education is the primary source that leads a human being to the paths of prosperity. Now, some are fortunate to pursue education by taking monetary assistance from their own parents while some are compelled to knock financial institutions for loans. Here comes the necessity and importance of student loans that can bear the cost of one’s education in order to let him climb the peak of success in time.

I still remember my days of hardships when I didn’t have a single penny to support my education. Moreover, the fees charged by the majority of schools and colleges then were extremely high. One of my friends suggested me to opt for student loans that worked wonders, and today I am successful.

Today, plenty of private and public organizations have been set up to provide monetary assistance to individuals striving to achieve their career objectives. The government student loans are best to go for since you are not required to pay interest which will be actually paid by your lending source. Therefore, Federal student loans can be a great option. What’s best about these loans is that they have low and fixed interest rates that can help one buy text books, pay tuition fees and manage accommodation.

Private student loans: A Shower of Bliss to ease the Burdens of Education

Are the increasing expenses in the field of receiving education turning into a burden for you? Are you thinking of pursuing financial assistance for continuing to your studies? Then private student loans are the best options for you.

Education builds the most important platform for you,standing on which you can free your flights of aspiration towards its dream destination. So, all the hurdles in its way must be broken off.

Private student loans are such financial assistance which not only helps you to complete your studies but also easy to access for all the students.

What are the types?

·        School-channel loans: In such cases, lender directly sends the money to the school authorities for paying the course fees of the students who is pursuing the loan.

·        Direct to consumer loans: Here, lender provides the amount direct to the consumer. The consumer later uses it according to his or her educational requirements.

What is the usage of private student loans?

·        These loans are generally borrowed for paying off the expenses of the fees charged by the educational institutes for obtaining quality education.

·        This can be also pursued for fulfilling other educational expenses than paying fees. Such as: a student can use it for buying books, laptops and other such accessories which is required for his or her studies.

·        This can be borrowed as assistance of paying off the debts of federal student loans as well.

What are the advantages of private student loans?

Student Loan Tips for recent graduates

Graduate

The cost of education is getting more expensive every year and to afford it many of you might have taken loan for your studies or are about to take loan. If you are recent graduates (congrats for your graduation), you may be thinking about how to pay your education loan. Many of you may be started paying for your student loan. It’s important for you to keep your students loan debt under your control to avoid all the extra costs and have an affordable payment. Here are some points to consider for your loan repayment.

The very first thing to think about is the grace period. Different loans have different grace period. Some provide six months of grace period and some provide nine months.  Check your grace period for your students loan with the lender.

Consolidate your loans. It’s good to consolidate all your loans with single monthly payment and single interest rate. Find the best consolidation loan. Take your own to find the best one. Never consolidate your federal loan with the private loan. You don’t have much options in the private loan compared to federal loans. shop around for the best deal available. Consolidation can save a lot of your money.

Inform your lender with all the information up to date. Tell them all the information if you change your address or phone number. if you are unavailable when they need you then it can cost you a lot. Stay out of trouble. if you have any problem with the lender then talk to them and resolve it.