http://www.lawschoolloans.com Law School Loans Articles en-us 2006 LawSchoolLoans. All rights reserved.Office: 175 S. Lake Ave. Suite 200,Pasadena, CA 91101 admin@lawschoolloans.com Sun, 12 Apr 2026 10:44:31 CDT http://www.lawschoolloans.com On April 3 Senator Edward M. Kennedy (D-MA) introduced legislation that would make sweeping changes to federal financial aid. The bill, given the short name ''Strengthening Student Aid for All Act,'' is intended to ensure students have sufficient access to financial aid, in the forms of both grants and loans. http://www.lawschoolloans.com/articles/index.php?id=20449 Carina Zaragoza Wed, 31 Dec 1969 Student indebtedness has been a hot topic as of late, and some schools are taking it upon themselves to educate their students about finance management. Some schools, such as Bowling Green State University, have implemented counseling programs that are separate from financial aid offices. http://www.lawschoolloans.com/articles/index.php?id=20450 Carina Zaragoza Wed, 31 Dec 1969 Loan Repayment Assistance Program at NYU School of Law ImprovedHarvard Will Waive 3L Tuition for Students Entering the Public Service SectorStudent Loan Xpress Exits FFELP Business http://www.lawschoolloans.com/articles/index.php?id=20451 Wed, 31 Dec 1969 On March 17, 2008, witnesses testified before the Senate Education Committee regarding the availability of federal student loans. The committee met at Northeastern University in Boston and was called by Senator Edward M. Kennedy (D-MA), chairman of the Health, Education, Labor, and Pensions (HELP) Committee. Recent reports of possibly reduced or no funds for the fall semester have prompted Congress to take action. http://www.lawschoolloans.com/articles/index.php?id=20446 Carina Zaragoza Wed, 31 Dec 1969 Harvard Law School recently announced it will waive tuition for third-year law students. These students may see a savings of more than $40,000. The condition is that they must pledge to work for five years with the government or a nonprofit organization. Harvard Law already offers loan forgiveness programs to students choosing public service work upon graduation. http://www.lawschoolloans.com/articles/index.php?id=20447 Carina Zaragoza Wed, 31 Dec 1969 Record Number of Applications Received by Charleston School of LawUniversity of Virginia School of Law Gets New DeanWhat Drives People to Law School? http://www.lawschoolloans.com/articles/index.php?id=20448 Wed, 31 Dec 1969 The Pennsylvania State University system announced this week that it will move to the Direct Loan Program. The Direct Loan Program is the funding arm of the U.S. Department of Education and offers Stafford and PLUS loans, among others. The Direct Loan Program is funded by the U.S. Treasury. http://www.lawschoolloans.com/articles/index.php?id=20443 Carina Zaragoza Wed, 31 Dec 1969 New Program Helps Ninth GradersGPA Increase Proposal Causes ConcernsLSU Increases Scholarship Amount http://www.lawschoolloans.com/articles/index.php?id=20444 Wed, 31 Dec 1969 A lawsuit against a Massachusetts college was filed last month. The lawsuit alleges the college charges students in its study-abroad program full tuition and room and board even though the program costs thousands of dollars less. The lawsuit claims the college pockets the difference. http://www.lawschoolloans.com/articles/index.php?id=20445 Carina Zaragoza Wed, 31 Dec 1969 Senator Edward M. Kennedy (D-MA) and Representative George Miller (D-CA) wrote to Secretary of Education Margaret Spellings urging her to take action to ensure the availability of loans for students. They also stressed the importance of students†receiving their funds in a timely manner and thus expressed their concern over the uncertainty in the student loan industry. http://www.lawschoolloans.com/articles/index.php?id=20440 Carina Zaragoza Wed, 31 Dec 1969 The American Bar Association released this week findings from its report on law school enrollment. The report was conducted by the ABA Section of Legal Education and Admissions to the Bar. The report only includes ABA-approved law schools. http://www.lawschoolloans.com/articles/index.php?id=20441 Carina Zaragoza Wed, 31 Dec 1969 Law Admissions: Random?University of Virginia School of Law Gets New DeanOCU Law Team Finishes Moot Court Competition in First Place http://www.lawschoolloans.com/articles/index.php?id=20442 Wed, 31 Dec 1969 In a bipartisan effort, both Democrats and Republicans are calling for a simplification of the financial aid application process. Both parties last month voted in approval of a bill that would allow applicants to simply check a box on their tax returns. Certain information required for financial aid would then be directly sent to the Department of Education. This information would automatically answer questions found on the Free Application for Federal Student Aid (FAFSA). http://www.lawschoolloans.com/articles/index.php?id=20437 Carina Zaragoza Wed, 31 Dec 1969 The Green Bag, the self-described ''entertaining journal of law,'' has announced it will join in on the rankings of law schools by examining the claims made by law schools about their faculty and comparing them to the actual performance of faculty members. http://www.lawschoolloans.com/articles/index.php?id=20438 Carina Zaragoza Wed, 31 Dec 1969 NYU Raked in More than $43 Million Last YearWashington University†s Unique Transnational Law ProgramUniversity of Hawaii Will Offer Night Law Classes http://www.lawschoolloans.com/articles/index.php?id=20439 Wed, 31 Dec 1969 The New Jersey Higher Education Student Assistance Authority (HESAA) and the New Jersey Attorney General have reached an agreement that ends an investigation into the loan guarantor's business dealings with two Federal Family Education Loan Program (FFELP) lenders. The details of the agreement were announced in a press release posted on the New Jersey Office of the Attorney General's website. http://www.lawschoolloans.com/articles/index.php?id=20434 Carina Zaragoza Wed, 31 Dec 1969 The Michigan Higher Education Student Loan Authority (MHESLA) has announced the discontinuation of a loan program that was made available only to students attending Michigan colleges and universities. The loan program has been put on hiatus and has not been terminated completely. http://www.lawschoolloans.com/articles/index.php?id=20435 Carina Zaragoza Wed, 31 Dec 1969 Administrators at Kentucky Law School Resign in Light of Financial TroublesYale Law School Housing Steadily DeclinesJoan Howarth Recommended as Dean of Michigan State University College of Law http://www.lawschoolloans.com/articles/index.php?id=20436 Wed, 31 Dec 1969 The Higher Education Act of 1965 was overwhelmingly approved on Thursday, February 7, 2008. The House of Representatives voted 354-58 to approve the reauthorization of the bill (H.R. 4137). http://www.lawschoolloans.com/articles/index.php?id=20431 Carina Zaragoza Wed, 31 Dec 1969 The student loan industry is undergoing more turmoil as another lender ends its student loan program. Key lenders are also taking hits. http://www.lawschoolloans.com/articles/index.php?id=20432 Carina Zaragoza Wed, 31 Dec 1969 UCLA Law Will Receive $1.5 MillionTouro Law School to Be Purchased?UC Berkeley to Get New Law School Building http://www.lawschoolloans.com/articles/index.php?id=20433 Wed, 31 Dec 1969 College Loan Corporation, the eighth-largest Federal Family Education Loan Program (FFELP) lender in the country, will exit the FFELP business on March 1, 2008. http://www.lawschoolloans.com/articles/index.php?id=20428 Carina Zaragoza Wed, 31 Dec 1969 The leaders of the Senate Finance Committee wrote to 136 colleges around the country regarding the colleges' endowment funds. Senators Max Baucus (D-MT) and Charles Grassley (R-IA) asked colleges with endowments of $500 million or more a series of questions about their endowments and spending on student aid. Their letter was made public in a press release dated Thursday, January 24, 2008. http://www.lawschoolloans.com/articles/index.php?id=20429 Carina Zaragoza Wed, 31 Dec 1969 UCLA Gets Center on Climate ChangeSt. Mary's Gets ThousandsiTunes U Hits Suffolk Law http://www.lawschoolloans.com/articles/index.php?id=20430 Wed, 31 Dec 1969 The recent subprime mortgage meltdown has made its way into the higher education sector. Coupled with the recent student loan industry fiasco and current economic uncertainty, several leading student loan lenders have announced they will cut back or eliminate altogether loan programs. http://www.lawschoolloans.com/articles/index.php?id=20425 Carina Zaragoza Wed, 31 Dec 1969 The New York Attorney General†s Office has expanded its investigation of study-abroad programs offered by colleges and universities across the country. The investigation is headed by Attorney General Andrew Cuomo, who made headlines in recent years with his investigation into the student loan industry. http://www.lawschoolloans.com/articles/index.php?id=20426 Carina Zaragoza Wed, 31 Dec 1969 Law Librarians Get GrantLaw Clinic Receives AwardStudents Push for Green http://www.lawschoolloans.com/articles/index.php?id=20427 Wed, 31 Dec 1969 Secretary of Education Margaret Spellings asserted that she has not seen any strong evidence that the cuts to the Federal Family Education Loan Program (FFELP) have had negative impacts on students or lenders. Her remarks came after a speech made at the National Press Club on January 9, 2008. Spellings fielded questions centered on the No Child Left Behind Act, among other topics, including the state of the student lending industry. http://www.lawschoolloans.com/articles/index.php?id=20422 Carina Zaragoza Wed, 31 Dec 1969 Yale University announced an expansion of its financial aid program on January 14, 2008. The new plan aims to provide more assistance to those students who demonstrate the most need. The university's announcement comes a month after fellow Ivy League institution Harvard announced its new financial aid program, which redefined ''middle income.'' http://www.lawschoolloans.com/articles/index.php?id=20423 Carina Zaragoza Wed, 31 Dec 1969 One-Year Challenge from Law School AlumnusLargest Law School Creates New CampusNew Housing and Law School Buildings to Appear at Stanford http://www.lawschoolloans.com/articles/index.php?id=20424 Wed, 31 Dec 1969 2007 saw turmoil in the student lending industry. While in previous years talk centered on federal student loan consolidation, giving the industry a huge boost in business, 2007 was laden with headlines on the questionable practices of not only student loan lenders but also colleges and universities themselves. http://www.lawschoolloans.com/articles/index.php?id=20419 Carina Zaragoza Wed, 31 Dec 1969 Two lawsuits were filed against Sallie Mae on Thursday, December 27, 2007, in yet another blow to the business practices of the already hard-hit student loan company. Sallie Mae has come under scrutiny in the past year, beginning with New York Attorney General Andrew Cuomo†s investigations into the lending and marketing practices of several student loan companies, of which Sallie Mae was one. http://www.lawschoolloans.com/articles/index.php?id=20420 Carina Zaragoza Wed, 31 Dec 1969 Federal Customs House to Be Renovated into Memphis Law SchoolGreensboro Charities Receive Donations from Public Interest Law SocietyUniversity of Utah Law School Faculty to Work with Prosecutors in Afghanistan http://www.lawschoolloans.com/articles/index.php?id=20421 Wed, 31 Dec 1969 College Gets Early GiftEndowment Fund Created for Law SchoolLaw Clinic Donates Gifts to Local Family http://www.lawschoolloans.com/articles/index.php?id=20417 Wed, 31 Dec 1969 Remember back before Thanksgiving, when you promised yourself you wouldn't go crazy with gifts this year? Maybe you even started a gift budget. I'm sure it's around here someplace, maybe in that bag with the pile of shirts you found on sale and bought to give to your brother? (Yes, you already had his gift, but he really needs a fashion intervention.) Maybe you stuck it in the box with those new shoes you bought while hunting for your father's present? http://www.lawschoolloans.com/articles/index.php?id=20418 Mary Dalrymple Wed, 31 Dec 1969 Law School Workshops Pay OffLaw Student Takes on Universal HealthcareFormer Starbucks CEO Gives University $200,000 in Honor of Law Professor http://www.lawschoolloans.com/articles/index.php?id=20415 Wed, 31 Dec 1969 I can be a little old-fashioned about certain things, like table manners, thank-you notes, and the idea that gifts should be objects chosen with the recipients in mind rather than cash disguised as a colorful plastic card redeemable at your local grocery store. http://www.lawschoolloans.com/articles/index.php?id=20416 Mary Dalrymple Wed, 31 Dec 1969 DU Law School Clinic Files LawsuitStetson to Host Arbitration Competition$7 Million Given to North Carolina Law and Medical Students http://www.lawschoolloans.com/articles/index.php?id=20413 Wed, 31 Dec 1969 Even the most fastidious money managers can appreciate a little financial relief around the holidays â€" a special discount, a cash rebate, or a free teddy bear dressed up like one of Santa's elves. These little perks pop up around the holidays more often than glittering lawn deer as inducements to get busy holiday shoppers to sign up for credit cards and special financing offers. http://www.lawschoolloans.com/articles/index.php?id=20414 Mary Dalrymple Wed, 31 Dec 1969 Harris Beach Attorneys to Provide Law Scholarships for Minority StudentsLaw School Tuition May Have Reached a PeakNew Financial Aid Mandates Go into Effect in July 2008 http://www.lawschoolloans.com/articles/index.php?id=20411 Wed, 31 Dec 1969 Unless your returns are outpacing Warren Buffett's, you're probably a bit concerned about the future of your invested capital right now. http://www.lawschoolloans.com/articles/index.php?id=20412 Adam J. Wiederman Wed, 31 Dec 1969 New Program VP Chosen by UC RegentsLoyola Wins Big at Stetson LawProtest at Duke Energy http://www.lawschoolloans.com/articles/index.php?id=20409 Wed, 31 Dec 1969 When the Monday blues hit, retirement seems so far away. But while nothing short of winning the lottery or getting a big inheritance is likely to let you quit tomorrow, there are many things you can do to reach your goals a little faster. http://www.lawschoolloans.com/articles/index.php?id=20410 Dan Caplinger Wed, 31 Dec 1969 Scholarship timeUSC Law gets Google AppsMilitary recruiters allowed to visit Yale http://www.lawschoolloans.com/articles/index.php?id=20407 Wed, 31 Dec 1969 Acronyms are supposed to make long phrases easier to say and remember. But, unfortunately, in the financial world, they can also make questionable credentials look all too legitimate. There are all sorts of folks out there who want to manage your money, some of them better qualified than others. Do your due diligence by finding out who is managing yours. http://www.lawschoolloans.com/articles/index.php?id=20408 Elizabeth Brokamp Wed, 31 Dec 1969 California fires close down law schoolsGrant given to law school professorsLaw schools team up to offer health law degree online http://www.lawschoolloans.com/articles/index.php?id=20405 Wed, 31 Dec 1969 Just about five years ago, I was living in the greater Washington, D.C., area. Do you remember the big news story from those days? There were snipers in the area, shooting people seemingly at random. I wrote about the event at the time, sharing some thoughts on how we tend to think irrationally about threats such as snipers — and about money, too. http://www.lawschoolloans.com/articles/index.php?id=20406 Selena Maranjian Wed, 31 Dec 1969 Minnesota law schools in search of deans80 Hofstra Law alumni and faculty named "Super Lawyers"Loyola University New Orleans College of Law recommended by Princeton Review http://www.lawschoolloans.com/articles/index.php?id=20403 Wed, 31 Dec 1969 Almost everyone wants to be rich. For some, "being rich" means having enough money stashed away to live comfortably without working. For others, it's about being able to enjoy certain experiences â€" extended travel, for instance â€" that seem impossible to reach with normal means. And for many, it's just about living the "rich" life, with the big house and the nice cars and the high-end kitchen appliances and whatever else floats your boat (like, maybe, a boat). http://www.lawschoolloans.com/articles/index.php?id=20404 John Rosevear Wed, 31 Dec 1969 Tax procrastinators will make their last stand next week. The final extended deadline for filing your 2006 tax returns is Oct. 15. What surprises me most about these tax slackers is that many of them will get big tax refunds in the coming months - money they could have gotten a lot sooner with a little effort. http://www.lawschoolloans.com/articles/index.php?id=20402 By Dan Caplinger Wed, 31 Dec 1969 If the prices at my local Safeway are used as a measuring stick, you have to be downright rich to afford an all-organic diet. But it's not just the wealthiest among us who crave food free from pesticides or like the idea of fewer steps from field to table. What about average-income consumers who would like to buy organic but haven't quite figured out how to do it on a real-life budget? Sound like you? http://www.lawschoolloans.com/articles/index.php?id=20401 Elizabeth Brokamp Wed, 31 Dec 1969 Lately, we've become all too aware that some mortgage borrowers aren't as creditworthy as others. Yet even for those with good credit, prospective homeowners in some high-priced areas of the country are increasingly having trouble dealing with higher interest rates on the big mortgages they need. http://www.lawschoolloans.com/articles/index.php?id=20400 Dan Caplinger Wed, 31 Dec 1969 We can thank our friends at the Securities and Exchange Commission (SEC) for many things, such as requiring public companies to file regular financial reports and then making those reports available to us. Just read how it describes its mission as the ultimate investor's advocate: ''To protect investors, maintain fair, orderly, and efficient markets, and facilitate capital formation.'' It's enough to make your heart beat faster or lead you to swoon, isn't it? Well, OK, but you have to admit that it's at least encouraging. http://www.lawschoolloans.com/articles/index.php?id=20396 Selena Maranjian Wed, 31 Dec 1969 On September 11th, the IRS news release ''Back-to-School Tax Breaks Help Teachers Pay Classroom Costs; Aid Parents, Students With College Tuition'' stressed the importance of saving receipts and maintaining expense records to take full advantage of deductions on educational expenses and credits available on federal income tax returns for 2007. http://www.lawschoolloans.com/articles/index.php?id=20393 Surajit Sen Sharma Wed, 31 Dec 1969 Democratic conferees in the House and Senate reached an agreement on the College Cost Reduction and Access Act of 2007. Democratic leaders said that President Bush will sign the conference agreement that cuts about $21 billion from lenders and guarantors who participate in the Federal Family Education Loan (FFEL) program. http://www.lawschoolloans.com/articles/index.php?id=20394 Amit Agarwal Wed, 31 Dec 1969 New Hampshire congressman opposes financial aid billSDSU has new endowed scholarshipUT LEAD to help the underprivileged http://www.lawschoolloans.com/articles/index.php?id=20395 Wed, 31 Dec 1969 Financial disasters can start small. Sometimes all it takes is one minor setback to cause financial strain to snowball into a full-fledged catastrophe. Before you know it, an avalanche of bad fortune has collapsed all around you. Do recognize any of these signs that you might be living on the edge? http://www.lawschoolloans.com/articles/index.php?id=20391 Mary Dalrymple Wed, 31 Dec 1969 As a member of the Federal Family Education Loan (FFEL) Program, Law School Loans is dedicated to helping law students and attorneys manage their federal student loans while saving as much as possible on their outstanding loans. However, due to new government legislation, time is limited for our borrowers to save on their federal student loan consolidations. http://www.lawschoolloans.com/articles/index.php?id=20392 Brooke Heath Wed, 31 Dec 1969 An impasse blocking the approval of the 2007-2008 California state budget that provoked widespread discontentment among students and parents was finally resolved on August 24. Governor Arnold Schwarzenegger approved the state budget after a 52-day deadlock, enabling students to access state grants just as their fall semesters began. http://www.lawschoolloans.com/articles/index.php?id=20388 Amit Agarwal Wed, 31 Dec 1969 Southern Illinois University President Glenn Poshard, a former Democratic candidate for governor and a former Congressional representative, has been accused of including rampant plagiarism in his doctoral dissertation published in 1984. The Daily Egyptian, SIU†s student newspaper, first reported that Poshard had lifted sections from at least 19 works by 22 authors without citation or attribution and placed them in his dissertation. http://www.lawschoolloans.com/articles/index.php?id=20389 Surajit Sen Sharma Wed, 31 Dec 1969 Arkansas governor announces need-based grant programIWU's financial aid office announces two new appointmentsIowa governor introduces All Iowa Opportunity Scholarship http://www.lawschoolloans.com/articles/index.php?id=20390 Wed, 31 Dec 1969 Nobody likes to talk about personal bankruptcy. It's the atomic bomb of personal finance: We all know it's out there, but it's really scary, and most of us hope it never affects our lives in any way. http://www.lawschoolloans.com/articles/index.php?id=20387 John Rosevear Wed, 31 Dec 1969 A recent study conducted by Policy Analysis for California Education (PACE) found that the first semester of college is a pivotal period in students' academic careers. The study, titled ''Beyond Access: How the First Semester Matters for Community College Students' Aspirations and Persistence,'' followed first-time students enrolled in California community colleges aged 17 to 20 in the fall of 1998. The study, based on system data gathered over a six-year period, tracked graduation and retention rates of first-year students to arrive at its findings. The findings of the study suggest that it is most important to focus on preparing high school students for college and that simply increasing college access doesn't solve the problems faced in building a more educated population and workforce. http://www.lawschoolloans.com/articles/index.php?id=20384 Surajit Sen Sharma Wed, 31 Dec 1969 A delay in approving Wisconsin's state budget has put a number of college students in a difficult position. They don't know what kind of financial aid they will receive for the upcoming school year. http://www.lawschoolloans.com/articles/index.php?id=20385 Amit Agarwal Wed, 31 Dec 1969 Federal student loan organizations call for revision of student loan reconciliation billsMontana senator proposes free college tuitionUniversity of Oregon's athletics program gets $100 million donation http://www.lawschoolloans.com/articles/index.php?id=20386 Wed, 31 Dec 1969 Here we go againâ€"it's time for the same old financial advice: Create and fill an emergency fund for yourself! You never know when disaster will strike. You may find yourself with expensive health issues or a sudden job loss. Sock away about three to six months' worth of living expenses, and invest that money not in the stock market, which can swoon without notice, but in safer, less volatile options like CDs and money market accounts. http://www.lawschoolloans.com/articles/index.php?id=20383 Selena Maranjian Wed, 31 Dec 1969 Nine tribally controlled colleges and universities will receive federal grants worth nearly $12 million. U.S. Secretary of Education Margaret Spellings announced that the grant, provided under Title III of the Higher Education Act, will allow colleges and universities to develop activities to improve and expand their services for students with Native American heritages. http://www.lawschoolloans.com/articles/index.php?id=20380 Amit Agarwal Wed, 31 Dec 1969 Crown College, after the loss of its accreditation and closure, now faces investigations by the U.S. Department of Education into whether its employees have committed fraud. http://www.lawschoolloans.com/articles/index.php?id=20381 Shaileja Mammen Wed, 31 Dec 1969 U.S. News & World Report meets with controversyCuomo investigates study-abroad programsIllinois Wesleyan University promotes financial aid officers http://www.lawschoolloans.com/articles/index.php?id=20382 Wed, 31 Dec 1969 I get this question all the time: Which stocks should I invest in if I want to retire comfortably?And my answer is always the same: Stocks that regularly pay you to invest-that is, stocks that pay dividends. I have many reasons for this answer. http://www.lawschoolloans.com/articles/index.php?id=20379 Robert Brokamp Wed, 31 Dec 1969 U.S. Secretary of Education Margaret Spellings sent out letters to colleges, universities, lenders, and guarantee agencies that participate in the federal guaranteed student loan program. The letters urge them to work together on the principles of the new regulations that the department proposed in June. However, the regulations, in light of the congressional ''sunshine'' acts and New York Attorney General Andrew Cuomo's code of conduct, will not be effective until July 2008. http://www.lawschoolloans.com/articles/index.php?id=20376 Amit Agarwal Wed, 31 Dec 1969 Senator and presidential candidate Chris Dodd has proposed a new, comprehensive education plan. The proposed plan ensures access to quality and affordable education from preschool to college for all American students. http://www.lawschoolloans.com/articles/index.php?id=20377 Shaileja Mammen Wed, 31 Dec 1969 Senate confirms Diane Auer Jones as assistant secretary for postsecondary educationThree Michigan schools say their loan practices are legitimateFormer Scripps financial aid director joins Trinity University http://www.lawschoolloans.com/articles/index.php?id=20378 Wed, 31 Dec 1969 Today, IRAs constitute the fastest-growing segment of the retirement plan market, with more than $3.6 trillion in assets. Experts predict that another $1 trillion dollars will be rolled over by baby boomers by the end of 2008. What this means for investors is opportunity. http://www.lawschoolloans.com/articles/index.php?id=20375 Dan Caplinger Wed, 31 Dec 1969 Predatory lending is the use of unethical lending tactics to keep gullible borrowers in debt as long as possible. Predatory lenders usually target vulnerable groups like students, the elderly, minorities, and people with poor credit records. http://www.lawschoolloans.com/articles/index.php?id=20372 Nihit Aurora Wed, 31 Dec 1969 A recent study conducted by the Sen. George Mitchell J. Scholarship Research Institute in Maine found the practice of placing students in high school courses based on their academic performances, or academic tracking, to be a major barrier to college attendance. http://www.lawschoolloans.com/articles/index.php?id=20373 Surajit Sen Sharma Wed, 31 Dec 1969 Private Student Loan Transparencies and Improvement ActLow response to scholarships offered in NJBEST programAmerica Competes Act approved by Congress http://www.lawschoolloans.com/articles/index.php?id=20374 Wed, 31 Dec 1969 George Bernard Shaw had it right when he said youth was wasted on the young. When you're in your 20s, your typical worries include graduating from college, getting a job, and updating your MySpace page. Thinking about how you are going to fund your retirement doesn't usually top your list of concerns. But now, more and more fund shops are targeting this demographic, hoping to lure investors while they're still young. http://www.lawschoolloans.com/articles/index.php?id=20371 Amanda B. Kish, CFA Wed, 31 Dec 1969 Scholars studying at American universities have a wide range of avenues available to them for distributing their scholarly work. The Internet has added an extra dimension to their endeavors, extending the concept of academic publishing to include ''virtual'' publishing. http://www.lawschoolloans.com/articles/index.php?id=20368 Nihit Aurora Wed, 31 Dec 1969 Katherine Haley Will, president of Gettysburg College and head of the Annapolis Group, is leading a charge against U.S. News & World Report's college rankings, which, according to Haley Will, are ''misleading and not a true measure of a school's unique strength.'' http://www.lawschoolloans.com/articles/index.php?id=20369 Shaileja Mammen Wed, 31 Dec 1969 Report reveals 76% of full-time undergraduates receive federal aidSenate approves reworking of Higher Education ActSteve Coll to head New America Foundation as president and CEO http://www.lawschoolloans.com/articles/index.php?id=20370 Wed, 31 Dec 1969 Why do market corrections upset us so much? We all know-at some level-that the market is bound to hit bumps on its march upward, and some of those bumps will be big ones. But even so, those selloffs tend to be white-knuckle heartburn-inducing rides. I think there are two big reasons why that's the case. http://www.lawschoolloans.com/articles/index.php?id=20367 John Rosevear Wed, 31 Dec 1969 The U.S. House of Representatives recently voted to approve a 2008 spending bill for the Departments of Education, Labor, and Health and Human Services. This bill proposes increasing the maximum Pell Grant by $390. Additionally, it includes an increase of $2 billion for the No Child Left Behind Act and proposes increasing funding by more than $227 million for a variety of programs addressing issues such as employment, job training, and worker protection. http://www.lawschoolloans.com/articles/index.php?id=20364 Nihit Aurora Wed, 31 Dec 1969 Illegally downloading music and videos is common among college students, but the entertainment industry considers it theft. College officials are uncomfortable due to the increasing attention Congress is paying to this practice. http://www.lawschoolloans.com/articles/index.php?id=20365 Shaileja Mammen Wed, 31 Dec 1969 Texas' ''B On Time'' loan program falls short of fundingWest Virginia named among top spenders on college grantsTexas A&M's minimum wage for student employees increases http://www.lawschoolloans.com/articles/index.php?id=20366 Wed, 31 Dec 1969 If you've made a will and taken estate planning issues into account while managing your money, you may think you're all set. After your departure, your surviving loved ones will be provided for, and they'll know exactly who's supposed to get what and where to find everything. http://www.lawschoolloans.com/articles/index.php?id=20363 John Rosevear Wed, 31 Dec 1969 It's no secret that Americans depend on schools to prepare their children for higher education and gainful employment. Recently, the State Council of Higher Education for Virginia (SCHEV) proposed a six-year plan to match K-12 teaching with university-level education. The plan, which would begin in 2007, aims to improve schools so that the schools, in turn, can better prepare students for college educations and ultimately enable them to become members of what the plan hopes will be a stable, dynamic workforce. http://www.lawschoolloans.com/articles/index.php?id=20360 Nihit Aurora Wed, 31 Dec 1969 Michigan colleges, to the chagrin of overburdened students and parents, recently announced substantial tuition hikes. Tuition has increased nearly 10% at several higher-education institutions. http://www.lawschoolloans.com/articles/index.php?id=20361 Amit Agarwal Wed, 31 Dec 1969 Eastern Michigan University raises tuitionEmerson College fires dean of enrollmentRobin Holmes named University of Oregon's VP for student affairs http://www.lawschoolloans.com/articles/index.php?id=20362 Wed, 31 Dec 1969 College education is still a dream for almost 20 million of the nation's working poor adults, according to a report released on July 7 by the Institute for Higher Education Policy (IHEP). IHEP reports that in 2005, working poor adults between the ages of 24 and 64 earned an average salary of $19,000 per year compared to an average salary of $56,000 for non-poor adults. Even with monetary aid, studying at a state university is beyond the means of most working poor adults. The average cost of tuition and fees at universities stands at about $13,000, which is excessive for those with low incomes. http://www.lawschoolloans.com/articles/index.php?id=20357 Surajit Sen Sharma Wed, 31 Dec 1969 The National Association of Student Financial Aid Administrators (NASFAA) held its annual meeting on Sunday, July 8, whereby it offered its rank-and-file financial aid administrators a platform to respond to the association's new code of conduct. http://www.lawschoolloans.com/articles/index.php?id=20358 Amit Agarwal Wed, 31 Dec 1969 House passes College Cost Reduction ActSenior aides to President recommend veto of H.R. 2669Department of Education warns colleges not to limit lender choiceIndiana governor appoints members to state college boardsNASSGAP reports increase in state student aid http://www.lawschoolloans.com/articles/index.php?id=20359 Wed, 31 Dec 1969 It's hard to get ahead with Uncle Sam stretching out his hand every time you earn a few extra bucks. While paying what you owe is the patriotic way, it's always nice to owe less rather than more. Here are some of the best (and strictly legal) ways to reduce your taxable income but still satisfy Uncle Sam when he comes knocking. http://www.lawschoolloans.com/articles/index.php?id=20356 Elizabeth Brokamp Wed, 31 Dec 1969 The University System of New Hampshire†s board of trustees has approved a budget that includes a nearly 7% tuition hike for 2007-2008 in-state students. The budget also includes a 5.2% increase in tuition for out-of-state students along with an 11.3% increase in student financial aid. The university system has been increasing tuition and aid since 2000. Since then, tuition has risen by about 6% each year, while financial aid has increased by about 12%. http://www.lawschoolloans.com/articles/index.php?id=20353 New Hampshire University System Approves Tuition a Wed, 31 Dec 1969 Education in the United States is getting more and more expensive with each passing year. A significant number of students have been forced to borrow from a variety of sources to pursue university degrees and continue to repay their debts for many years following the completion of their educational pursuits. http://www.lawschoolloans.com/articles/index.php?id=20354 Nihit Aurora Wed, 31 Dec 1969 Key amendments to College Cost Reduction Act submittedNASFAA president set to retire by DecemberSpellings announces educational grants for Alaska nativesMaine tries to curb http://www.lawschoolloans.com/articles/index.php?id=20355 Wed, 31 Dec 1969 What a load off, huh?According to a recent study by Towers Perrin reported in The Wall Street Journal, http://www.lawschoolloans.com/articles/index.php?id=20352 Tim Hanson Wed, 31 Dec 1969 Congress and the U.S. Department of Education are considering moves that would force colleges to publish information about their performance. http://www.lawschoolloans.com/articles/index.php?id=20348 Shaileja Mammen Wed, 31 Dec 1969 The U.S. Department of Energy has announced a $375 million plan for three new biofuel research centers in Tennessee, Wisconsin, and California. The department has granted $125 million to each center, and universities will play major roles in their operations. The centers will also partner with national laboratories and private companies. http://www.lawschoolloans.com/articles/index.php?id=20349 Amit Agarwal Wed, 31 Dec 1969 UNC implements stricter financial aid rulesFFEL participants say auction not a good ideaHillary Clinton's student lender proposals approved by HELP CommitteeUniversity of Colorado-Boulder announces largest financial aid allocation, increases tuitionFlorida governor changes stance, goes ahead with tuition increase http://www.lawschoolloans.com/articles/index.php?id=20350 Wed, 31 Dec 1969 Unfortunately, because of skyrocketing costs associated with obtaining your law degree, more and more law students are turning to student loans to help them fund their schooling. http://www.lawschoolloans.com/articles/index.php?id=20351 Brooke Heath Wed, 31 Dec 1969 Senator Edward M. Kennedy and members of the Health, Education, Labor, and Pensions (HELP) Committee have asked U.S. Secretary of Education Margaret Spellings to refrain from imposing new accreditation regulations on colleges and universities until Congress reauthorizes the Higher Education Act http://www.lawschoolloans.com/articles/index.php?id=20345 Amit Agarwal Wed, 31 Dec 1969 The board of visitors at James Madison University (JMU) in Harrisonburg, Virginia, has recently approved the college†s biggest budget ever. The $363.1 million budget for 2007-2008 reflects a 9% increase; it is $29.9 million larger than last year. http://www.lawschoolloans.com/articles/index.php?id=20346 Amit Agarwal Wed, 31 Dec 1969 Higher Education Act reauthorization bill would increase financial aidCuomo and McCollum urge Senate to pass Student Loan Sunshine ActNew scholarship opportunity for Vermont studentsCBA releases report on financial aid administratorsOregon to increase student financial aid http://www.lawschoolloans.com/articles/index.php?id=20347 Wed, 31 Dec 1969 I spent last Monday looking for my wallet, racking my brain for where in the world it could be. Trying to remember where I had it last, I could only retrace my steps back to Target , where I'd shopped (and bought entirely too much, by the way) earlier in the weekend. After that, nothing. Nada. http://www.lawschoolloans.com/articles/index.php?id=20344 Elizabeth Brokamp Wed, 31 Dec 1969 The College Cost Reduction Act of 2007 introduced by U.S. Rep. George Miller (D-CA), chairman of the House Education and Labor Committee, proposes the largest investment in college education since the 1944 GI Bill, according to the committee†s website. If passed, this legislation will help students and families pay for college at no extra cost to U.S. taxpayers. http://www.lawschoolloans.com/articles/index.php?id=20341 Shaileja Mammen Wed, 31 Dec 1969 As part of its settlement with New York Attorney General Andrew Cuomo, Johns Hopkins University will spend $1 million to educate college students on financial aid. Cuomo's investigation revealed that the university's former financial aid director allegedly received about $65,000 between 2002 and 2006 in the form of consulting fees from a student loan company. http://www.lawschoolloans.com/articles/index.php?id=20342 Amit Agarwal Wed, 31 Dec 1969 New bill seeks to amend Higher Education ActDodd plans to introduce bill that would reform private student lending marketMaryland attorney general wants colleges to adopt code of conductCBA reacts to budget cuts affecting FFELPFlorida will provide financial aid to students receiving technical training http://www.lawschoolloans.com/articles/index.php?id=20343 Wed, 31 Dec 1969 Wall Street is littered with commonplace financial advice, but if you want to get your career as an investor off to a smart start, you should consider going against, um, the flow of that traffic. (Just sticking with the metaphor, folks!) To help you step on the gas, consider these three suggestions: http://www.lawschoolloans.com/articles/index.php?id=20340 Shannon Zimmerman Wed, 31 Dec 1969 The student loan industry suddenly finds itself fighting for life when the final Senate-Cuomo blitzkrieg erupted out of the Capitol Hill in front of them. The business of providing student loans is perhaps the most threatened these days. http://www.lawschoolloans.com/articles/index.php?id=20337 Gitanjali Hazarika Wed, 31 Dec 1969 This week, legislation was introduced by Illinois Senator Dick Durbin (D) that would allow private student loans to be forgiven upon bankruptcy. Currently, neither private nor federal student loans will be discharged for a borrower who files for bankruptcy, with the rare exception of extreme hardship. http://www.lawschoolloans.com/articles/index.php?id=20338 Brooke Heath Wed, 31 Dec 1969 Cuomo, lenders testify before U.S. lawmakersWisconsin University's new student loans rulesTwo new appointments at ELM ResourcesReauthorize Higher Education Act, Spellings urges CongressLawrence Warder named acting COO of FSA http://www.lawschoolloans.com/articles/index.php?id=20339 Wed, 31 Dec 1969 You know you ought to get your to-do list done. If you really want some motivation, think about how much waiting could cost you. http://www.lawschoolloans.com/articles/index.php?id=20336 By Dan Caplinger Wed, 31 Dec 1969 Last week, Massachusetts Governor Deval Patrick (D) announced new public education plans for his state at the University of Massachusetts-Boston commencement ceremony. This proposal would allow all Massachusetts high school graduates to attend the state†s community colleges free of charge for two years. http://www.lawschoolloans.com/articles/index.php?id=20334 Brooke Heath Wed, 31 Dec 1969 Spitzer signs student loan reform into lawNASFAA announces Code of ConductExisting variable-rate student loans to go up by .08 percentage pointsBack off higher education accreditation changes, Sen. Alexander to DOEScott†s measures to provide loan repayment assistance approved http://www.lawschoolloans.com/articles/index.php?id=20335 Wed, 31 Dec 1969 Here's an interesting new development in the exciting world of credit cards: Some card issuers are offering rewards for money spent on health care. We all know that you can earn some dollars or points with various cards for purchases at gas stations, supermarkets, drugstores, airlines, etc. But this is indeed a newâ€"and almost sinisterâ€"twist. http://www.lawschoolloans.com/articles/index.php?id=20333 Selena Maranjian Wed, 31 Dec 1969 Last week, in Largo, FL, federal agents raided Student Funding Services, confiscating many of the not-for-profit company's documents. The local FBI agents were accompanied by agents from the Office of the Inspector General for the Department of Education. However, neither agency would say what it was looking for or reveal the purpose of the raid. http://www.lawschoolloans.com/articles/index.php?id=20331 Brooke Heath Wed, 31 Dec 1969 Cuomo boasts that two more schools have agreed to abide by his code of conductSimplification of existing tax breaks for middle-class studentsPresident Bush expected to nominate Jones for Assistant Secretary postCivil action suits filed against several Ohio University alumniNASFAA to send Cuomo revised code of conduct http://www.lawschoolloans.com/articles/index.php?id=20332 Wed, 31 Dec 1969 Congratulations&â€"you're a stock market genius! During a lifetime of smart investments, you scrimped and saved your way to a portfolio worth more than $1 million.Now you're 55 and ready to retire to a sunny island, take the occasional trip to see the grandkids, and still have plenty in the bank to handsomely tip the caddies after they help you birdie that par-five. http://www.lawschoolloans.com/articles/index.php?id=20330 Tim Hanson Wed, 31 Dec 1969 Recently, Illinois Senator Martin Sandoval (D-Chicago) proposed a law that would make any Illinois resident with a 3.0 grade point average eligible to receive state-backed student loans, even if he or she is an illegal immigrant. If passed, this controversial bill would allow any Illinois student seeking financial aid to be eligible for $5,000 per year to pay for his or her higher education, regardless of citizenship status. http://www.lawschoolloans.com/articles/index.php?id=20326 Brooke Heath Wed, 31 Dec 1969 Senator Edwards announces College Opportunity AgendaMcKeon and Keller concerned about budget process for changes to Direct Loan programEnzi introduces Student Financial Aid Data Privacy Protection ActDemocratic Congressional leaders reach agreement on 2008 budget proposal http://www.lawschoolloans.com/articles/index.php?id=20327 Wed, 31 Dec 1969 At Law School Loans, our goal is to assist law students and attorneys with managing the student loans that they acquire during law school and undergraduate school. To help us reach this goal, we offer incredible customer service to our borrowers. But that is not all. We also offer money-saving features to help our borrowers save substantial amounts of money with their consolidations. http://www.lawschoolloans.com/articles/index.php?id=20328 Wed, 31 Dec 1969 Law School Loans understands that as an attorney, you demand excellence. You did not settle when it came to academics and obtaining your law degree, and you still demand the best while in the court room or practicing law. That is why we do not expect you to settle when it comes to choosing a lender to consolidate your student loans. http://www.lawschoolloans.com/articles/index.php?id=20329 Wed, 31 Dec 1969 The lure of the leisurely life gets stronger the closer we get to retirement age. Whether we're facing a company mandate or a self-imposed date to take that gold watch, being a short-timer makes us think more about what we'd rather be doing. http://www.lawschoolloans.com/articles/index.php?id=20325 By Rich Duprey Wed, 31 Dec 1969 This week, the House of Representatives voted in favor of the Student Loan Sunshine Act (H.R. 890). In a landslide vote of 414-3, the act was passed in an effort to end dishonest alliances between colleges and student lenders. http://www.lawschoolloans.com/articles/index.php?id=20323 Brooke Heath Wed, 31 Dec 1969 NY adopts student loan corruption-reduction legislationEducation Department loan official resignsCooper appointed deputy director of Student Financial AssistanceSpellings questioned regarding student-lending scandal http://www.lawschoolloans.com/articles/index.php?id=20324 Wed, 31 Dec 1969 For me, making the most of $500 means saving on groceries or investing in an index fund. How tame. Rob Ketterer, a 28-year-old government consultant, turned $500 into a new house within two years. http://www.lawschoolloans.com/articles/index.php?id=20317 By Tim Beyers Wed, 31 Dec 1969 Each year, U.S. News & World Report explores U.S. colleges and universities to determine the top schools in the nation. Through their research of US schools, U.S. News & World Report prepares an annual "America's Best Graduate Schools" report. From this list, Law School Loans brings you the top 10 list for 2008. http://www.lawschoolloans.com/articles/index.php?id=20318 Wed, 31 Dec 1969 Each year, U.S. News & World Report explores U.S. colleges and universities to determine the top schools in the nation. Through their research of US schools, U.S. News & World Report prepares an annual http://www.lawschoolloans.com/articles/index.php?id=20319 Wed, 31 Dec 1969 You have just completed law school. What a great achievement! We here at Law School Loans would like to be among the first to congratulate you! http://www.lawschoolloans.com/articles/index.php?id=20320 Wed, 31 Dec 1969 Law School Loans is dedicated to helping law students obtain the best education possible. To assist you in making college choices, we have researched the top law schools in the country to help you decide which program is right for you. This article profiles Stanford University Law School, ranked #3 for 2008 Top Law Schools by U.S. News & World Report. http://www.lawschoolloans.com/articles/index.php?id=20321 Wed, 31 Dec 1969 Law School Loans is dedicated to helping law students obtain the best education possible. We have researched top U.S. law schools to help you decide which program is the right one for you. http://www.lawschoolloans.com/articles/index.php?id=20322 Wed, 31 Dec 1969 This week, New York State Attorney General Andrew M. Cuomo continued his investigation into the student loan industry by publicizing that he has served subpoenas and requests for information to 90 college alumni associations. Cuomo is requesting that the associations provide information on their relationships with Nelnet, a nationwide student loan company. http://www.lawschoolloans.com/articles/index.php?id=20315 Brooke Heath Wed, 31 Dec 1969 Miller asks White House and Education Department for details on student programsCuomo meets more success with his code of conductEnzi's code of conductUT financial aid officers reported to accept meals as favors from lendersMiller asks FTC for investigations into deceptive marketing by private lenders http://www.lawschoolloans.com/articles/index.php?id=20316 Wed, 31 Dec 1969 It's a little bit morbid, but take a second to flip through your local paper and notice all the bad news. You may see local businesses laying off workers, car accidents, health costs hitting record highs, and lots of other depressing things. (Then go read the cute animal feature to cheer yourself up.) http://www.lawschoolloans.com/articles/index.php?id=20314 Mary Dalrymple Wed, 31 Dec 1969 Last week, Senator Edward Kennedy (D-MA) announced that he had sent letters to the CEOs of Sallie Mae and Nelnet regarding the tactics they use in their collection processes. Senator Kennedy, who is also Chairman of the United States Senate Health, Education, Labor, and Pensions Committee, said that many of the tactics used by the companies in question are prohibited by federal law and regulations. http://www.lawschoolloans.com/articles/index.php?id=20312 Brooke Heath Wed, 31 Dec 1969 Cuomo testifies regarding investigations, criticizes Department of EducationSpellings forms task force to examine lender issuesMcKeon introduces Financial Aid Accountability and Transparency ActNASFAA approves resolution for code of conduct http://www.lawschoolloans.com/articles/index.php?id=20313 Wed, 31 Dec 1969 Wouldn't it be nice to be able to have your federal student loan debt already dealt with when you graduate from law school, so that you can focus on your future goals and ambitions in the legal world? http://www.lawschoolloans.com/articles/index.php?id=20310 Wed, 31 Dec 1969 There is good news for law students who have borrowed or will be borrowing Graduate PLUS loans. http://www.lawschoolloans.com/articles/index.php?id=20311 Wed, 31 Dec 1969 What is your top priority in life? Is it your money? The stuff that money can buy? Or is the time you have available to spend with your family, friends, and loved ones at the top of your list? http://www.lawschoolloans.com/articles/index.php?id=20309 Chuck Saletta Wed, 31 Dec 1969 Last week, the American Civil Liberties Union (ACLU) filed an appeal asking a federal court to reconsider its verdict in a case challenging the Higher Education Act†s Aid Elimination Penalty. This penalty denies financial aid to any student who has been convicted of a drug offense. The ACLU argues that the penalty is unconstitutional and has asked the court to take another look at the constitutional validity of the act. http://www.lawschoolloans.com/articles/index.php?id=20306 Brooke Heath Wed, 31 Dec 1969 Student loan debt for graduate students in Arizona has reached a new high. According to Higher Education Washington, Inc.?s NewsLine, the average graduate-degree recipient is currently carrying almost $34,000 in student loan debt, reflecting an increase of $7,000 over the past 10 years. http://www.lawschoolloans.com/articles/index.php?id=20307 Brooke Heath Wed, 31 Dec 1969 Spellings suspends access to student loan database for lendersUT system asks its colleges to stop using preferred lender listsMiller asks Spellings to take action regarding student-lending practicesOhio†s 2008-2009 budget may hurt students from middle-income families http://www.lawschoolloans.com/articles/index.php?id=20308 Wed, 31 Dec 1969 We all know that an IRA is meant to build a tidy little nest egg for retirement. After all, it's not called an http://www.lawschoolloans.com/articles/index.php?id=20305 Elizabeth Brokamp Wed, 31 Dec 1969 Recently, a bill was introduced to the Minnesota Senate that would require incoming college freshmen to enroll in a personal finance course during their orientation. http://www.lawschoolloans.com/articles/index.php?id=20303 Brooke Heath Wed, 31 Dec 1969 University of Louisville tuition to increase againDon Davis named UT†s acting director of financial aidColumbia University alumnus donates $400 million in financial aidOregon proposes bill to expand financial aid http://www.lawschoolloans.com/articles/index.php?id=20304 Wed, 31 Dec 1969 Everyone knows that an IRA is a great way to save for retirement, but there are lesser-known (but very important) facts that may have escaped your attention. Read on for five myths about IRAs that may be affecting your bottom line. http://www.lawschoolloans.com/articles/index.php?id=20302 Elizabeth Brokamp Wed, 31 Dec 1969 In Washington last week, Senators Chris Dodd (D-CT), John Kerry (D-MA), Richard Durbin (D-IL), and Russ Feingold introduced the Medical Education Affordability Act (MEAA) to Congress. http://www.lawschoolloans.com/articles/index.php?id=20300 Brooke Heath Wed, 31 Dec 1969 New York Attorney General announces settlement of loan chargesNASFAA responds to Cuomo†s press releaseManning reminds FFELP participants about student choiceArizona students rally for financial aidPell Institute releases report on first-generation students http://www.lawschoolloans.com/articles/index.php?id=20301 Wed, 31 Dec 1969 Tired of reading about America's retirement woes? Then I have an alternative for you: Watch a TV show about them. Heck, you don't even have to move to your TV â€" you can watch it on your computer, from the comfort of your own desk chair. The particular program I'm talking about is an episode of the PBS series Frontline titled http://www.lawschoolloans.com/articles/index.php?id=20299 Robert Brokamp Wed, 31 Dec 1969 Last week, the Maryland House of Representatives voted 81 to 57 in favor of a bill that would allow some illegal immigrants to qualify for in-state tuition. http://www.lawschoolloans.com/articles/index.php?id=20297 Brooke Heath Wed, 31 Dec 1969 Support for restoration of Perkins Student Loan Program funding grows strongerCBA president lashes back at KennedyNew legislation intended to expand the use of FIPSE fundsTexas loan representative indicted on theft chargesNew bill in Maryland proposes granting in-state tuition status to illegal immigrants http://www.lawschoolloans.com/articles/index.php?id=20298 Wed, 31 Dec 1969 Most of us have a story or two to tell about lousy customer service.There's the time at Denny's when, after a long wait to be seated and extremely slow service, the waitress dropped our tray of food and drinks right into my lap. http://www.lawschoolloans.com/articles/index.php?id=20296 Elizabeth Brokamp Wed, 31 Dec 1969 Last week in San Francisco, Education Finance Partners (EFP) responded to New York Attorney General Andrew Cuomo†s formal notice to file suit against it by announcing that it is fully prepared to defend its practices. http://www.lawschoolloans.com/articles/index.php?id=20294 Brooke Heath Wed, 31 Dec 1969 New bill may simplify the FAFSAProposed legislation may end marriage penalty on student loan deductionU.S. Department of Education sued for allegedly overcharging student loan borrowersDavidson College to eliminate student loansKennedyďż˝s letter asks private lenders to reveal financial deals with schools http://www.lawschoolloans.com/articles/index.php?id=20295 Wed, 31 Dec 1969 When my husband and I were on our honeymoon, we decided to write private wedding vows, which were a bit different than the typical http://www.lawschoolloans.com/articles/index.php?id=20293 Elizabeth Brokamp Wed, 31 Dec 1969 Last week, New York State Attorney General Andrew M. Cuomo sent letters to more than 400 colleges and universities throughout the country, including all in New York State, warning them to end relationships with lenders that have the potential to mislead students and compromise their abilities to obtain the best rates on their student loans. http://www.lawschoolloans.com/articles/index.php?id=20291 Brooke Heath Wed, 31 Dec 1969 Senators urge Budget Committee to increase the Pell GrantBriggs likely to be Assistant Secretary of Education for Elementary and Secondary EducationCommittee on Education and Labor asks stakeholders for input on HEADefault rates reported by guaranteed-student-loan program may be lower this yearIowa proposes tax breaks for employers who pay off student loans http://www.lawschoolloans.com/articles/index.php?id=20292 Wed, 31 Dec 1969 Whether or not you believe there's a glut of personal finance sites online, two big companies seem to think there's room for one more. Dow Jones (NYSE: DJ) and IAC/InterActiveCorp (Nasdaq: IACI) are teaming up to create a new community-driven destination for investors, budgeters, and just about anyone weighing a financial decision. http://www.lawschoolloans.com/articles/index.php?id=20290 Rick Aristotle Munarriz Wed, 31 Dec 1969 The U.S. House of Representatives†Subcommittee on Higher Education, Lifelong Learning, and Competitiveness met last Thursday to listen to recommendations on new policy options for postsecondary education. Recommendations specifically focused on ways to make college more accessible and more affordable. http://www.lawschoolloans.com/articles/index.php?id=20288 Wed, 31 Dec 1969 CBO releases budget options reportReport released on California community colleges and their affordabilitySupplemental funding to boost Missouriďż˝s scholarship programsACE president to step downKentucky university to offer new grant program http://www.lawschoolloans.com/articles/index.php?id=20289 Wed, 31 Dec 1969 If you're in the market for a home this year, look beyond its four walls and directly at your neighbors. No, I'm not advocating spying (violating http://www.lawschoolloans.com/articles/index.php?id=20287 Elizabeth Brokamp Wed, 31 Dec 1969 The Congressional Budget Office (CBO) recently issued its biennial report of budget options to aid policymakers with making decisions on budgets, setting priorities, and dealing with altering circumstances. This report presents several options that may have positive and negative effects on higher education. The CBO examined topics such as Pell Grants, PLUS Loans, subsidized loans for graduate students, and tax credits for educational costs. http://www.lawschoolloans.com/articles/index.php?id=20285 Wed, 31 Dec 1969 Introduced by Representatives George Miller and Howard McKeon, the Pell Grant Equity Act (H.R. 990) has been approved by the U.S. House of Representatives. The act repeals a rule that limits Pell Grant aid for thousands of low-income students attending low-cost higher education institutions. The rule, which is referred to as ďż˝tuition sensitivity,ďż˝ reduces annual maximum Pell Grant scholarships for eligible students based on their tuition costs. The bill, which will provide an immediate one-year fix, is scheduled to be made permanent when the Education and Labor Committee reauthorizes the Higher Education Act. The legislation will benefit 96,000 students during the 2007-2008 academic year and will increase the average Pell Grant by $108. http://www.lawschoolloans.com/articles/index.php?id=20286 Wed, 31 Dec 1969 While nearly every investor has heard of stock options, few are likely aware of their close cousins, restricted shares and stock appreciation rights. Even if investors have heard of them, fewer still probably understand how they work. http://www.lawschoolloans.com/articles/index.php?id=20284 Rich Duprey Wed, 31 Dec 1969 In one of her first public appearances as Speaker of the House, Nancy Pelosi addressed the growing issue of higher-education affordability by supporting Democratic reform. At Arizona State University, Pelosi praised recent House bills that will affect student loan interest rates. The Democrat from California also backed the Dream Act, a bill that would offer tuition assistance for those without legal residency. http://www.lawschoolloans.com/articles/index.php?id=20282 Wed, 31 Dec 1969 House speaker addresses gathering at ASUMissouri House Minority Leader backs out of MOHELA asset saleStanford to increase aid for students from middle-income familiesOregon governor pushes for more higher-education fundingTERI appoints senior vice president of business development http://www.lawschoolloans.com/articles/index.php?id=20283 Wed, 31 Dec 1969 A fellow parent recently posted the question, http://www.lawschoolloans.com/articles/index.php?id=20280 Elizabeth Brokamp Wed, 31 Dec 1969 There are many benefits to student loan consolidation. When a borrower consolidates student loans, he or she locks in the current, low interest rate, eliminating the need to worry about how interest rates will skyrocket in the future. http://www.lawschoolloans.com/articles/index.php?id=20281 Wed, 31 Dec 1969 The Student Aid Reward Act (known as STAR) made its debut nearly two years ago when it was introduced by Republican Representative Tom Petri and Democrat George Miller. At that time, the STAR Act did not reach voting status. During a recent news conference, STAR was reintroduced. http://www.lawschoolloans.com/articles/index.php?id=20278 Wed, 31 Dec 1969 Schumer and Snowe unhappy about abandoned tuition tax deductionPell Grant Equity Act introducedSenate approves Pell Grant increaseSTAR Act reintroducedMarch summit to address higher education commission†s recommendations http://www.lawschoolloans.com/articles/index.php?id=20279 Wed, 31 Dec 1969 For some people, retirement is a long-awaited respite from a job they never liked. For others, it's the chance to do all those things they never seemed to have time for earlier in life. No matter what plans you have for your retirement, it's easy to think of it in very dramatic terms: One day you're working full-time, and the next you're retired, and not doing a thing. http://www.lawschoolloans.com/articles/index.php?id=20277 Wed, 31 Dec 1969 In his recent announcement of the 2008 Education Budget, Bush addressed an anticipated Pell Grant increase. The maximum Pell Grant will jump to $4,600 in the upcoming fiscal year and will increase to $5,400 by 2012. Bush will back this increase by allocating and reorganizing funds from other grant programs and tapping into bank profits. http://www.lawschoolloans.com/articles/index.php?id=20275 Wed, 31 Dec 1969 Student Loan Sunshine Act in the SenatePresident Bush†s Pell Grant boostSenator Clinton reintroduces Student Borrower Bill of RightsGovernor Doyle announces $44-million increase in financial aidPHEAA board of directors has a new chairman http://www.lawschoolloans.com/articles/index.php?id=20276 Wed, 31 Dec 1969 Bank statements don't make for scintillating reading, but if you take a close look, you could find a few unpleasant surprises. Such was the case when I glanced at our last statement and discovered our bank was simultaneously charging us for banking with online bill payment and banking without it. How we could be doing both â€" and paying for it â€" was beyond me. But there the charges were, $9.95 and $5.95, respectively, leaking dollars out of our checking account. http://www.lawschoolloans.com/articles/index.php?id=20274 Elizabeth Brokamp Wed, 31 Dec 1969 A scholarship is probably the first kind of financial aid that comes to a student†s mind when he or she contemplates trying to get free money for school. Competition for these privately funded, merit-based awards is fierce; still, most law schools report around half of all first-year law students receive some kind of scholarship. http://www.lawschoolloans.com/articles/index.php?id=20260 Wed, 31 Dec 1969 As the result of two 2003 Supreme Court cases, colleges and universities nationwide are now making minority scholarships and other programs available to everyone. While the cases, which involved the University of Michigan, did not outlaw race-specific programs, they did leave the law in an ambiguous state, causing officials to rethink many of their policies. http://www.lawschoolloans.com/articles/index.php?id=20261 Wed, 31 Dec 1969 With diversity in the workplace becoming an increasingly desirable goal, law firms are taking an active approach, offering minority scholarships to high school and law school students. http://www.lawschoolloans.com/articles/index.php?id=20262 Wed, 31 Dec 1969 As an undergraduate student thinking about law school, or a current law school student, you may sometimes feel like funding your education is an impossible task. http://www.lawschoolloans.com/articles/index.php?id=20265 Wed, 31 Dec 1969 More law school graduates are able to pursue careers in public service than ever before because of loan repayment assistance programs (LRAPs) at more than 50 law schools. The programs help students manage educational debts that can exceed $100,000 in exchange for public interest jobs. http://www.lawschoolloans.com/articles/index.php?id=20266 Wed, 31 Dec 1969 College hopefuls may have the opportunity to receive more funding if the Democratic plan to increase the maximum Pell Grant award is approved by both the House and the Senate in the upcoming weeks. http://www.lawschoolloans.com/articles/index.php?id=20263 Wed, 31 Dec 1969 The passage of the $463.5-billion spending bill by the House of Representatives will increase the maximum Pell Grant amount by $260. The bill, which was pushed through by the Democrats in order to complete the budget-approval process that began last year, will increase the maximum Pell Grant that a student can receive to $4,310--the first increase in direct federal aid in five years. The bill will now make its way to the Senate. To fund the Pell Grant budget increase, the Democrats have declared a one-year moratorium on earmarks--pet projects of members of Congress. Although the increase in the maximum Pell Grant amount seems meager when compared with the spiraling costs of college, it will provide some much-needed assistance to thousands of low-income students wanting to pursue higher education. http://www.lawschoolloans.com/articles/index.php?id=20264 Wed, 31 Dec 1969 When you are paying for law school, it is sometimes difficult to see the light at the end of the tunnel. Law school can be insanely expensive. However, did you know that some of your higher education expenses may help you reduce your federal income tax? The Internal Revenue Service allows tax savings for individuals and families who pay higher education costs. The benefits vary depending on your eligibility, but both deductions, which reduce the amount of income subject to tax before the tax is calculated, and tax credits, which reduce the amount of income tax dollar-for-dollar after the tax is calculated, are offered by the IRS. http://www.lawschoolloans.com/articles/index.php?id=20267 Wed, 31 Dec 1969 For graduates lugging around thousands of dollars in student debt, the prospect of financial freedom is enough to make them do just about anything, including volunteering their time for the good of others. By participating in volunteer loan forgiveness programs, students can have a portion of their debt forgiven after performing a designated amount of public service. http://www.lawschoolloans.com/articles/index.php?id=20268 Wed, 31 Dec 1969 Joining the military has its perks. In exchange for serving the country, personnel are given many options for financial assistance for education. To support higher education, the military has created financial aid programs such as the Montgomery G.I. Bill, the Tuition Assistance Program, the Student Loan Repayment Program, and ROTC scholarships. http://www.lawschoolloans.com/articles/index.php?id=20269 Wed, 31 Dec 1969 With the recent interest-rates increase for all federal student loans, law students and graduates need to know that there is a program that will let you reduce the new, higher rates by as much as 1.25 percent. The program, which gets quite a bit of press these days, is called student loan consolidation. It is very important for you to realize that there are two vastly different types of student loan consolidation programs: one for federal student loans and one for private student loans. An overview of each follows below. http://www.lawschoolloans.com/articles/index.php?id=20270 Wed, 31 Dec 1969 Under the legislation recently passed by Congress, interest rates on all federal student loans have risen. As of July 1, 2006, all new federal Stafford loans will be disbursed with a 6.8-percent interest rate, up from 4.7 percent the year before. Interest rates for student loans have not been this high for six years. http://www.lawschoolloans.com/articles/index.php?id=20271 Wed, 31 Dec 1969 Private loan consolidation, like private education loans, has nothing to do with the federal government. In reality, private consolidation loans are just another form of consumer lending such as credit cards. Because of this, private loan consolidations are different from federal loan consolidations. http://www.lawschoolloans.com/articles/index.php?id=20272 Wed, 31 Dec 1969 Do you ever think that you cannot afford consolidation? Do you ever think that you cannot consolidate because your loans are in deferment? If you do, then you are the victim of some widespread myths about consolidation. This article reveals the main misconceptions that many people have regarding consolidation, and it sets the record straight. http://www.lawschoolloans.com/articles/index.php?id=20273 Wed, 31 Dec 1969 Representative Tom Petri, who supported the passage of the recent student interest rate reduction bill, plans to reintroduce the Student Aid Reward (STAR) Act in February. In a press release on his website, Petri states that both the Congressional Budget Office and President Bush†s Office of Management and Budget reported that the FFEL program costs taxpayers nearly three times as much as the federal Direct Loan program. He urges members of both parties to support the Student Aid Reward (STAR) Act when it is reintroduced. According to Petri, passage of the STAR Act would encourage higher education institutions to voluntarily participate in the more cost-efficient Direct Loan program and retain 3/4 ($10 billion) of the savings for increased Pell Grant aid for their students. He further states that the legislation could boost Pell Grants by up to $800 per student while allocating more than $3 billion in savings to finance deficit reduction--at no further cost to taxpayers. The bipartisan STAR Act was earlier introduced by Petri and Representative George Miller on March 17, 2005. http://www.lawschoolloans.com/articles/index.php?id=20258 Wed, 31 Dec 1969 Most folks know all about securing adequate insurance coverage for their cars, homes, and other personal property. After all, the tangible nature of these items is a reminder that someday they could be lost, stolen, or damaged, leaving you scrambling for a replacement. http://www.lawschoolloans.com/articles/index.php?id=20259 Elizabeth Brokamp Wed, 31 Dec 1969 Texas has made a big move to assist low-income families with achieving their higher education goals. Two major universities, the University of Texas at Dallas and the University of Texas at Arlington, have revealed a plan to award free tuition to in-state undergraduate students whose families†household incomes fall below $25,000 per year. http://www.lawschoolloans.com/articles/index.php?id=20257 Wed, 31 Dec 1969 With the real estate market cooling down and more folks staying put in their current homes, many homeowners are looking to put a lid on their property tax assessments. If you're in sticker shock over your recent assessment, here's a quick lesson in what to do about it. http://www.lawschoolloans.com/articles/index.php?id=20256 Elizabeth Brokamp Wed, 31 Dec 1969 Meet with your financial aid or guidance counselor to get a better understanding of the student loan process.Do not assume that you will not qualify for financial aid - there are many options available. (Some loans such as unsubsidized Stafford Loans and PLUS Loans are granted regardless of need.) http://www.lawschoolloans.com/articles/index.php?id=20255 Brooke Heath Wed, 31 Dec 1969 Central State University is one of Ohio†s historic colleges playing a prominent role in the black community. However, in a recent press statement, the university†s president admitted to needing an additional $33 million in funds from the state in order to remain the Buckeye State†s single public black college. http://www.lawschoolloans.com/articles/index.php?id=20253 Wed, 31 Dec 1969 House passes College Student Relief Act of 2007Senator Kennedy moves to make student debt more manageableFinancial aid administrators propose aid programPublic college fee hike proposed by California governorCentral State University needs $33 million for aid plan http://www.lawschoolloans.com/articles/index.php?id=20254 Wed, 31 Dec 1969 On a recent Friday my husband surprised me by coming home early â€" and he caught me in the middle of some illicit computer activity. No, it's not what you think; I was actually looking at our state's prepaid tuition program. http://www.lawschoolloans.com/articles/index.php?id=20252 Elizabeth Brokamp Wed, 31 Dec 1969 For public university students in California, fees for higher education may be rising again. The increased fees are a result of a recent budget proposal by Governor of California Arnold Schwarzenegger and an extended agreement reached by the governor and California†s two university systems, the University of California system and the California State University system. http://www.lawschoolloans.com/articles/index.php?id=20250 Wed, 31 Dec 1969 Miller calls for review of student aid systemStudent Aid Alliance requests funding increaseCutting interest rates on Stafford Loans would help millions of working- and middle-class studentsSenator Kennedy and Representative Miller speak on college affordabilityUniversity of Louisville launches program to help low-income students http://www.lawschoolloans.com/articles/index.php?id=20251 Wed, 31 Dec 1969 Did the holidays feel like one long competition for your money? From gifts for family and friends, Secret Santa games, Salvation Army bell-ringers, and the checkout folks at every store asking, http://www.lawschoolloans.com/articles/index.php?id=20249 Elizabeth Brokamp Wed, 31 Dec 1969 The most recent midterm elections shifted Congressional power to the Democrats, and since this shift, there has been much focus on the cost of higher education. The Democratic Party's strategy is to move quickly and begin implementing its agenda during the first 100 hours of the 110th Congress. It's expected that within the first week, Democrats will propose the College Student Relief Act of 2007. http://www.lawschoolloans.com/articles/index.php?id=20247 Wed, 31 Dec 1969 The College Student Relief Act of 20072007 appropriations bill awaiting passage of continuing resolutionPHEAA set to appeal court rulingProgram to offer $40,000 in grants to New YorkersISAC opens bidding for 15% of its loan portfolio http://www.lawschoolloans.com/articles/index.php?id=20248 Wed, 31 Dec 1969 If saving money is at the top of your list of New Year's resolutions for 2007, then you'll want to get on the phone with your auto insurance company. You may be in for a treat in the form of a discount, whether it's because of your age, your exemplary behavior, or the type of car you drive. http://www.lawschoolloans.com/articles/index.php?id=20246 Elizabeth Brokamp Wed, 31 Dec 1969 Escalating tuition is a major factor negatively affecting the enrollment of higher education. As a result, many politicians and education spokespersons are pushing the issue of college affordability to the forefront of their agendas. Recently, Governor Christine Gregoire proposed another way to financially assist prospective college students. http://www.lawschoolloans.com/articles/index.php?id=20244 EMILY ZABORNIAK Wed, 31 Dec 1969 Commission on American workforce skills reestablishedFGMG to help thousands of first-generation college studentsSpellings to hold summit in the third week of MarchGovernor†s Business Council of Texas proposes changes to higher education system http://www.lawschoolloans.com/articles/index.php?id=20245 Wed, 31 Dec 1969 It's time to think about your resolutions for the New Year, but thinking about them is just the first step. After that comes doing them, something we can all acknowledge is a wee bit harder. Our excuses for inaction include fatigue, conflicting priorities, forgetfulness, or most often, that there's simply http://www.lawschoolloans.com/articles/index.php?id=20243 Elizabeth Brokamp Wed, 31 Dec 1969 Spellings forms negotiated rulemaking committeeGregoire proposes freezing tuition rates at two-year colleges10.7% endowment investment return for higher education institutions in 2006Dunne releases Cabinet paper on student loan billMOHELA launches loan forgiveness program http://www.lawschoolloans.com/articles/index.php?id=20242 Wed, 31 Dec 1969 On December 19, the Missouri Higher Education Loan Authority (MOHELA) announced a new program that will motivate many prospective engineering students to pursue their dreams of higher education. Next academic year, engineering students will be able to receive loan forgiveness on common Stafford Loans, courtesy of the Missouri college loan agency. http://www.lawschoolloans.com/articles/index.php?id=20241 EMILY ZABORNIAK Wed, 31 Dec 1969 It seems that tipping for Christmas isn't just a New York phenomenon â€" some exotic ritual performed by big spenders in the land of doormen, taxis, and Broadway. Tipping is a show of appreciation for the people who make your life easier in big and small ways. Those people are not your friends exactly, but they're more intimate than mere acquaintances (they've folded your underwear or massaged your scalp, for example). Yes, you can resort to gift cards or the ever-dreaded fruitcake, but they're often expecting a tip instead. http://www.lawschoolloans.com/articles/index.php?id=20240 Elizabeth Brokamp Wed, 31 Dec 1969 Miller speaks on college costsSpellings names under secretaryEducation and Workforce Committee members appointedIndiana University, Bloomington, to assist Pell Grant recipientsNew financial aid director at Mississippi University for Women http://www.lawschoolloans.com/articles/index.php?id=20239 Wed, 31 Dec 1969 As announced in a press release earlier this month, first-generation college students in Florida have received a gift that will ‽keep on giving” for years and years. Helios, a nonprofit organization, donated $10 million in the form of endowment gifts to the Board of Governors Foundation of the State University System and the Foundation for Florida†s Community Colleges. http://www.lawschoolloans.com/articles/index.php?id=20238 EMILY ZABORNIAK Wed, 31 Dec 1969 Uncertain what to get your child's teacher, the mailman, or your exercise partner? More and more of us are reaching for gift cards. Attractive because they allow the recipient to pick exactly what they want, gift cards come in all colors, varieties, and denominations. They also come with more restrictions than you may realize. http://www.lawschoolloans.com/articles/index.php?id=20237 Elizabeth Brokamp Wed, 31 Dec 1969 Widespread anticipation started building up for the implementation of Senator Edward Kennedy†s (D-MA) Student Loan Sunshine Act after its recently drafted proposal and outline began to circulate in the higher education community. This past week, there was much expectation that the Act would be introduced to Congress. However, Kennedy†s office did not make any announcements concerning the student loan program reform plan. Presently, there is no speculation as to what caused the inaction, and there is no estimate as to when the bill will make its debut. http://www.lawschoolloans.com/articles/index.php?id=20235 Emily Zaborniak Wed, 31 Dec 1969 Department of Education issues ‽Dear Colleague Letter” addressing LCV noncomplianceMcKeon reassures lenders at CBA conferenceHigher education in the U.S. not keeping pace internationallySpellings addresses FSA conference attendees in Las VegasGW appoints 16th president http://www.lawschoolloans.com/articles/index.php?id=20236 Wed, 31 Dec 1969 For many people, the season of giving is also the season of guilt. It's a miserable feeling to be shopping for holiday gifts with a credit card that already has a big balance hanging over your head. It's a helpless feeling of drowning, with the shore nowhere in sight. One good way to start shedding that feeling is to take control â€" of your finances and that nagging, costly debt. It will sting a little, but, like the dentist says, you'll feel much better when it's finished. http://www.lawschoolloans.com/articles/index.php?id=20234 Mary Dalrymple Wed, 31 Dec 1969 It is a pattern that is developing nationwide: potential college students are discouraged from pursuing their dreams of higher education because of a daunting lack of affordability. As the government and colleges work to make more funds available, the problem of keeping students informed about financial aid also needs to be addressed. Students might not fold under the pressure of finding ways to afford college if they know where to locate assistance. To have the greatest effect, this task needs to be addressed at government, state, individual institution, and local levels. One event designed to disseminate financial aid information is the annual Massachusetts College Goal Sunday. Presently, the campaign is gearing up for its 2007 event. In a recent press release, organizers discussed the extent of the problemâ€"and the hard work aheadâ€"by relaying their 2006 findings. http://www.lawschoolloans.com/articles/index.php?id=20232 Emily Zaborniak Wed, 31 Dec 1969 UC Board of Regents' budget awaits approval by state government Negotiated rulemaking ready to roll GAO recommends revamping of educational system Financial aid information unavailable to many students and parents ASU Advantage program to raise income-based eligibility requirement http://www.lawschoolloans.com/articles/index.php?id=20233 Wed, 31 Dec 1969 This year, as in years past, I will shop almost exclusively online for holiday gifts. I love the convenience, the fact that I don't have to take along my toddler (except for rides in our swiveling office chair), and the ease of using comparison shopping sites like Froogle to bargain-hunt.The one thing I despise about shopping online is the shipping fees, and I'm not alone. According to a study conducted by Jupiter Research a few years ago, high shipping fees were the No. 1 reason customers abandoned their online shopping carts. Consumers resent the feeling of being blindsided by excessive shipping charges, often not revealed until the last step of the online shopping process. http://www.lawschoolloans.com/articles/index.php?id=20231 By Elizabeth Brokamp Wed, 31 Dec 1969 From December 12th through 14th, discussing issues related to and determining regulations for student financial aid will be priorities at the negotiated rulemaking meetings to be held at the Marriott Crystal Gateway hotel in Arlington, VA. Negotiated rulemaking is a process that allows representatives from different groups to meet with a federal agency to discuss the texts of proposed rules. The objective of such gatherings is to reach agreements on regulations by consensus, rather than majority vote. If a consensus is achieved, the group's decision is used to establish a rule. If it is not achieved, the federal agency's normal rulemaking activities continue. http://www.lawschoolloans.com/articles/index.php?id=20229 Emily Zaborniak Wed, 31 Dec 1969 http://www.lawschoolloans.com/articles/index.php?id=20230 Wed, 31 Dec 1969 The average consumer will spend a tidy sum this season â€" anywhere from $800 to $1,125 â€" to win the affections of their loved ones and keep the economy chugging along. http://www.lawschoolloans.com/articles/index.php?id=20228 By Dayana Yochim Wed, 31 Dec 1969 The Pennsylvania Higher Education Assistance Authority, or PHEAA, boasts nearly 60 billion dollars in assets, making it one of the nation's largest student loan agencies. With such a remarkably strong presence, the organization inevitably garners public attention. However, recently, this attention has led to scrutiny. PHEAA has been accused and found guilty of withholding information about its spending on retreats for board members, as well as other suspicious financial records. In a five to two ruling, the organization was found in violation of Pennsylvania's Right-to-Know Law. As a result, the Commonwealth Court panel ordered PHEAA to disclose various documents and pay a portion of the legal fees incurred by the media organizations whose reporters originally sought out the documents. http://www.lawschoolloans.com/articles/index.php?id=20226 Emily Zaborniak Wed, 31 Dec 1969 New Democrats make student aid a priorityStudent Privacy Protection Act of 2006 proposedStudent loan defaults on the declineUHEAA names new executive directorNCCU raises tuitionRMASFAA Honors Shoemaker http://www.lawschoolloans.com/articles/index.php?id=20227 Wed, 31 Dec 1969 Americans spent more than $200 billion on home repair/remodel projects in 2005 and have shown few signs of slowing up in 2006, which means that there are a whole lot of very happy contractors out there, bank accounts bulging. But their happiness doesn't necessarily equate with the homeowner's. Homeowners often complain of projects that cost more than estimated, delays, low-quality workmanship, miscommunications, and http://www.lawschoolloans.com/articles/index.php?id=20225 By Elizabeth Brokamp Wed, 31 Dec 1969 The results are in. The country has spoken. And, no matter what party you belong to, it's undeniable that change is in the air. The Democratic takeover after the recent elections may lead to a considerably different agenda than the one slated to develop under current Education and the Workforce Committee Chairman Howard http://www.lawschoolloans.com/articles/index.php?id=20223 Emily Zaborniak Wed, 31 Dec 1969 FSA publishes final regulations Spellings hopeful about achieving 2014 No Child Left Behind Act goalSenators seek Pell Grant increaseIU plans to provide nearly $10 million in financial aidMOHELA board names new membersSurvey shows preference for financial aid administratorsRMASFAA honors Shoemaker http://www.lawschoolloans.com/articles/index.php?id=20224 Wed, 31 Dec 1969 No one likes giving up control over personal affairs. When it comes to finances, people are doubly cautious about turning over the reins to someone else â€" and rightly so, given the number of con artists and financial scams going around. So before you accept the idea of letting an outsider handle your finances, you want to know exactly what to expect. http://www.lawschoolloans.com/articles/index.php?id=20222 Dan Caplinger (TMF Galagan) Wed, 31 Dec 1969 An http://www.lawschoolloans.com/articles/index.php?id=20220 Emily Zaborniak Wed, 31 Dec 1969 FSA publishes final regulationsKaren Luebbert resigns from MOHELA boardSurvey reports rise in minority enrollmentCBA conference on student lendingStanford University plans aid for international studentsASA names regional accounts executive http://www.lawschoolloans.com/articles/index.php?id=20221 Wed, 31 Dec 1969 A perennial topic in personal finance circles is the inability of American consumers to manage their credit cards. Too many of us assume that we're doing just fine as long as we're making that minimum payment each month. In fact, we are doing just fine â€" fine for the credit card companies. http://www.lawschoolloans.com/articles/index.php?id=20219 Robert Sheard Wed, 31 Dec 1969 There are few ways around it; law school is expensive. For many graduates, future, expendable salaries will help cover the student loan debt that amounts during their years of study; however, some law professionals who decide on public interest positions forfeit the lucrative wages of a private sector career. As a result, they have difficulty managing the costly, monthly payments that are expected when the bills arrive. http://www.lawschoolloans.com/articles/index.php?id=20217 EMILY ZABORNIAK Wed, 31 Dec 1969 Spellings: colleges need to be more accountableAdvanced degrees equal higher salariesBoalt adopts loan forgiveness plan for needy studentsTuition fee increases slow; federal aid still fails to keep pacePHEAA†s new office in Cumberland County http://www.lawschoolloans.com/articles/index.php?id=20218 EMILY ZABORNIAK Wed, 31 Dec 1969 I'll let you in on a little secret: I hate organizing. I think it's boring and it merely reminds me of the multitude of ways in which I fail at running Me, Inc. And yet I'm writing about it. Why? Because although I don't much like doing it, when I do manage to get organized, I find I have more time, save more money, and there's much less unpleasantness at home and work. http://www.lawschoolloans.com/articles/index.php?id=20216 Elizabeth Brokamp Wed, 31 Dec 1969 When college begins, students are not the only ones who may find themselves overwhelmed. According to a recent survey conducted by AllianceBernstein Investments, more and more parents are realizing they have miscalculated the costs of higher education. AllianceBernstein†s report, ‽Failing Grades? American Families and Their College Saving Efforts,” reveals that parents†intentions to provide financial support do not correspond with their fiscal realities. One major misstep many parents make is overestimating the amount of assistance students will receive from financial aid, such as scholarships, grant money, and loans. http://www.lawschoolloans.com/articles/index.php?id=20214 Emily Zaborniak Wed, 31 Dec 1969 Spellings speaks on global competition and innovationProposal to change eligibility requirements for need-based state grantsSchwarzenegger vetoes aid bill for illegal immigrants1% tuition hike in PennsylvaniaUNC adopts Bowles†cap on tuition raises http://www.lawschoolloans.com/articles/index.php?id=20215 Wed, 31 Dec 1969 If you talk to my six-year-old son for more than a minute, you're likely to find out three things: 1) he loves all things Star Wars, 2) his dad sometimes sleeps naked (this is apparently hilarious party conversation for a kindergartener), and 3) he desperately wants a dog.Thanks to our quarterly pest control service and allergies, we don't currently have any non-human creatures living in our house (that is, if you ignore the dust mites). But the truth is, even without the allergies, pets would be a tough sell to my ever-practical spouse. Like raising kids, raising pets can cost a lot of money -- an estimated $1,500 per year for a cat and even more for a dog -- and involves an awful lot of responsibility. http://www.lawschoolloans.com/articles/index.php?id=20211 Elizabeth Brokamp Wed, 31 Dec 1969 As the 2006 Federal Student Aid Conferences approach Orlando, FL, and Las Vegas, NV, herds of financial aid professionals are preparing to gather together to network and learn about Title IV programs, as well as the evolving federal policies and practices that affect students and administrators alike. Federal Student Aid distributes more than $80 billion each year in student grant, work study, and loan programs, making these conferences highly beneficial for those in the field. Members of the Department of Education conduct the conferences, striving to provide education regarding the most current information and taking advantage of opportunities to train and strengthen the abilities of financial aid experts. http://www.lawschoolloans.com/articles/index.php?id=20212 Mary Waldron Wed, 31 Dec 1969 Flink to chair advisory committee on student financesRepeal school as lender program, urges SchumerArkansas' budget surplus may benefit higher educationPlans to reduce budget deficitCOE's new STEM development plansThe EPA's new compliance assistance center http://www.lawschoolloans.com/articles/index.php?id=20213 Wed, 31 Dec 1969 For most, insurance is a no-brainer. You need medical insurance for when you get hurt or sick. You need auto insurance to maintain a license to drive a car. And you need life insurance to protect your loved ones if you meet an untimely demise.But what if you're injured and unable to work? What if you're elderly and in need of daily care? What if you own a business that operates in a litigious market? Insurance products have been designed to cover each of these situations and many more like them. Should you buy? I'll be examining that question for the next several weeks, beginning today with long-term care insurance. http://www.lawschoolloans.com/articles/index.php?id=20210 Tim Beyers Wed, 31 Dec 1969 On Monday, October 2, the last of eight people associated with fraud charges at Barton Community College were sentenced to jail time by a federal judge. The reason for the sentencing was ‽institutionalized fraudulent conduct.” In addition to the sentencing of these eight individuals, the fraudulent activity led to the dismissal of the college†s president. Ryan Cross, a basketball coach, and Neil Elliott, the school†s athletic director, received sentences of four months in federal prison and three years of probation. Elliott admitted to obtaining a medical hardship ruling for a member of the basketball team in order to allow the player to participate for another year, even though the player was not eligible for the ruling. http://www.lawschoolloans.com/articles/index.php?id=20208 Charisse Dengler Wed, 31 Dec 1969 HEA extender bill signed into lawPHEAA comes under federal investigation$3.8 million boost for Texas institutionsUNC president wants a cap on tuition increasesArkansas institutions to receive $250 million http://www.lawschoolloans.com/articles/index.php?id=20209 Wed, 31 Dec 1969 I'm as annoyed as the next person by retailers' shameless promotion of holidays months in advance of the actual event. But despite the collective groans when Halloween merchandise gets trotted out with the back-to-school fare, stores keep doing it. Why? Because it works. http://www.lawschoolloans.com/articles/index.php?id=20207 Elizabeth Brokamp Wed, 31 Dec 1969 With the current Higher Education Extension Act (HEA) about to run out on September 30, Ric Keller, Chairman of the House Committee on Education and the Workforce, proposed the year†s third extension on September 22. Keller†s bill, formally known as H.R. 6138, extended the Higher Education Act and its programs through the end of June 2007.As planned, the House passed the bill on September 28, and the Senate followed suit the next day. President Bush finalized the matter by signing the extension into law on October 1. http://www.lawschoolloans.com/articles/index.php?id=20205 Charisse Dengler Wed, 31 Dec 1969 1. Shred old documents . One of the best ways you can protect yourself against potential fraud or identity theft is to eliminate your own paper trail. A basic desktop shredder will work for a few sheets at a time, but for large quantities you may want to contact a commercial shredder who will also handle household needs. I was able to locate a document disposal service in my area that would allow me to drop off up to 250 lbs. of paper for $50 -- not too high a price to pay for peace of mind. http://www.lawschoolloans.com/articles/index.php?id=20204 Elizabeth Brokamp Wed, 31 Dec 1969 It is no secret that increases in tuition and fees at U.S. colleges and universities have far out-paced inflation. The American Association of State Colleges and Universities (AASCU) recently published a report which stated that 'the average borrower who graduates from a public college owes $17,250'. This is up from $8,000 a decade ago. Additionally, the report continued, in the year 2004, 88.5 percent of Pell Grant recipients took out student loans with an average amount of $20,735; private loans have also increased seven-fold in that time period. http://www.lawschoolloans.com/articles/index.php?id=20202 Wed, 31 Dec 1969 Commission Submits Final Report After Whistle, Oberg Blows Trumpet http://www.lawschoolloans.com/articles/index.php?id=20203 Wed, 31 Dec 1969 So, it's time once again for me to file my taxes. Confused? Don't be. I'm a late filer, which means I'm taking advantage of the Oct. 15 deadline for 2005 federal and state returns. http://www.lawschoolloans.com/articles/index.php?id=20201 Tim Beyers Wed, 31 Dec 1969 For more and more people, it†s getting too expensive to go to college. According to a report, ‽Higher Education: Soaring Out of Reach for Families,” recently released by Sen. Edward Kennedy (D-MA), Rep. George Miller (D-CA), and Campaign for America†s Future Co-Director Robert Borosage, the cost of attending a public, four-year college or university has increased 42 percent since President Bush took office, while the median family income has fallen two percent. http://www.lawschoolloans.com/articles/index.php?id=20199 Teresa Cendreda Wed, 31 Dec 1969 Concerned senators write letter to SpellingsNew IT contracts to restructure ED's FSA systemsIt's Nixon vs. Blunt on MOHELA moneyEarly admissions to end at Harvard http://www.lawschoolloans.com/articles/index.php?id=20200 Wed, 31 Dec 1969 There's never shame in asking for help. Managing your finances involves a lot of effort. You have to work hard to earn money. You have to spend time budgeting your expenses and prioritizing what you need most right away. You have to find money to save for long-term goals like buying a car or a house, paying for education for your kids, and your own retirement. Once you find the money, you have to figure out how best to invest it, keeping up-to-date on all sorts of tax and legal changes that seem to happen constantly. Taking care of your money can easily become a full-time job. http://www.lawschoolloans.com/articles/index.php?id=20198 Dan Caplinger Wed, 31 Dec 1969 In the wake of the September 11th attacks, a federal program was created that was designed to examine the financial aid records of selected college students. Project Strike Back was a joint effort between the U.S. Department of Education and the FBI; it was first disclosed by the Medill School of Journalism at Northwestern University in Evanston, Ill.USA TODAY was granted access to official documents through Freedom of Information Act requests. According to authorities, ‽fewer than 1,000” students were targeted by the FBI in terrorism investigations and their financial aid records subsequently examined. http://www.lawschoolloans.com/articles/index.php?id=20195 Judith Earley Wed, 31 Dec 1969 The Independent 529 Plan, a prepaid tuition plan for private colleges, celebrated its three-year anniversary last week; now a new law solidifies the plan†s future. http://www.lawschoolloans.com/articles/index.php?id=20196 Jennifer Woods Wed, 31 Dec 1969 Report Card on Higher Education releasedU.S. News Rankings push Howard north$10 million grant to Vanderbilt UniversityArkansas colleges may get $250 million boost http://www.lawschoolloans.com/articles/index.php?id=20197 Wed, 31 Dec 1969 Forget investing clubs, ladies. Who wants to spend a perfectly good evening with friends doing math? I have a better idea. Let's get together and gossip ... about money! http://www.lawschoolloans.com/articles/index.php?id=20194 Dayana Yochim Wed, 31 Dec 1969 There may not be any truth to the factors commonly believed to affect how much money students will borrow to pay for school. People often assume that the relationship between tuition and cost of living will predict whether students will borrow a lot - potentially too much? Attending a public college in a high tuition state? Attending a private college? Living in an expensive part of the country? But a recent report issued by the Project on Student Debt is debunking that myth. http://www.lawschoolloans.com/articles/index.php?id=20191 Teresa Cendreda Wed, 31 Dec 1969 Congress is grappling with a hot button issue â€" immigration legislation that would make a college education tens of thousands of dollars cheaper for illegal students than U.S. citizens. The controversy stems from the senate bill S.B. 2611, the so-called ‽DREAM Act,” which would allow states to offer in-state tuition to illegal immigrants. Currently, that practice is banned under the federal Illegal Immigration Reform and Immigrant Responsibility Act of 1996. It prohibits public colleges from favoring undocumented students by offering them in-state tuition rates, unless those same rates are extended to all U.S. citizens regardless of their state of residency. http://www.lawschoolloans.com/articles/index.php?id=20192 Teresa Cendreda Wed, 31 Dec 1969 Nodler contemplates formula to finance higher educationUW System budgets for 2007-2009ED on SMART GrantReport: Financial aid administrators should guide students on credit cards http://www.lawschoolloans.com/articles/index.php?id=20193 Wed, 31 Dec 1969 America's gotten a lot savvier about credit. Now that we can take a free, no-strings-attached gander at our credit reports every year (courtesy of www.annualcreditreport.com), we're more cognizant of the impact bad credit has on our everyday lives. http://www.lawschoolloans.com/articles/index.php?id=20190 Dayana Yochim Wed, 31 Dec 1969 National Science and Mathematics Access to Retaining Talent (SMART) Grants were created by Congress last winter to help colleges and universities graduate more students in high-demand fields such as physics, engineering, and some foreign languages. But something went horribly wrong this month on the campus of Utah State University. http://www.lawschoolloans.com/articles/index.php?id=20187 Judith Earley Wed, 31 Dec 1969 Mary Beth Pinto, associate professor of marketing at Penn State University, and Phylis Mansfield, assistant professor of marketing at Penn State Erie, have conducted a telling study about students†financial burdens entitled ‽Financially at-risk college students: An investigation of credit card usage, student loan debt and prioritization of debt repayment.” http://www.lawschoolloans.com/articles/index.php?id=20188 Amy Wong Wed, 31 Dec 1969 A flaw during a software upgrade on the Department of Education†s website exposed personal data of Direct Loan borrowers--including theirs names, Social Security numbers, and birth dates. http://www.lawschoolloans.com/articles/index.php?id=20189 Wed, 31 Dec 1969 During back-to-school shopping season, your newspaper is stuffed with sales circulars promising http://www.lawschoolloans.com/articles/index.php?id=20186 Selena Maranjian Wed, 31 Dec 1969 Last week, the Department of Education (ED) announced that it will establish up to four negotiated rulemaking (Neg Reg) committees to determine what regulated changes can be made in an effort to incorporate recommendations made by the Secretary†s Commission on the Future of Higher Education. The Commission intends to release its final report by mid-September, having voted and approved the third draft report earlier this month. This is according to a report published by Higher Education Washington, Inc. http://www.lawschoolloans.com/articles/index.php?id=20183 Judith Earley Wed, 31 Dec 1969 Nashville - The National Conference of State Legislatures (NCSL) has released its State Budget and Tax Actions 2006: Preliminary Report. http://www.lawschoolloans.com/articles/index.php?id=20184 Amy Wong Wed, 31 Dec 1969 The National Bureau of Economic Research released a research paper commenting that the reduction in state funding for higher education can cripple students†future and thus be harmful to economic growth. ‽Cohort Crowding: How Resources Affect Collegiate Attainment” outlines how college enrolment is affected by factors including financial feasibility of a college education and the availability of financial aid. With the increase in demand for college education and the fluctuating supply of federal financial aid, the percentage of students successfully attaining college degrees is bound to decrease along with the quality of the final product. The report states: ‽The impending collision of large cohorts and limited public resources in higher education is not just a predicament for colleges and universities, but a potential crisis in economic growth for decades to come if the flow of college-educated workers to the labor force is further curtailed.” John Bound, the leading author of the report, suggests that a 10-percent rise in the college-age population in a state leads to a 4-percent decline in the number of students earning Bachelor of Arts degrees. http://www.lawschoolloans.com/articles/index.php?id=20185 Wed, 31 Dec 1969 Let's face it: Most couples do not enjoy talking about budgeting or saving. It's not great party conversation, animated water cooler talk, or even the controversial stuff that makes for a good joke. It is decidedly unsexy. http://www.lawschoolloans.com/articles/index.php?id=20182 Wed, 31 Dec 1969 According to a report from the Higher Education Washington, Inc., NewsLine, the University of Michigan is expanding its M-PACT financial aid program. More than 400 UM students will see the effects immediately and save at least $5,000 a year because of these changes. The M-PACT program replaced student loans with grants for the neediest students and is part of a 10-percent increase in financial aid grants for both new and returning Michigan students. About two-thirds of UM students receive some form of merit- or need-based financial aid. http://www.lawschoolloans.com/articles/index.php?id=20179 Judith Earley Wed, 31 Dec 1969 Washington, D.C. - After 11 grueling months, eight meetings, and numerous emails, the Commission on the Future of Higher Education has finally agreed to send their final report to U.S. Education Secretary Margaret Spellings. http://www.lawschoolloans.com/articles/index.php?id=20180 Amy Wong Wed, 31 Dec 1969 Unanimously passed by the Senate, The Carl D. Perkins Career and Technical Education Improvement Act, S.250, would concentrate more effectively on the needs of the American workforce that require skilled workers. The Act is slated to provide opportunities to students seeking technical education that would help them get skilled and high-wage jobs. It would produce further accountability between local training programs and federal educators; make stronger the bonds between the schools, colleges, and businesses; and give more importance to academic studies for technical education supported by federal government, making it on par with other federal education programs. Providing more than $1.2 billion in federal funding, the conference agreement reauthorizes and revises the Carl D. Perkins Vocational and Applied Technology Education Act of 1998; if approved by The House of Representatives, it will be sent along for the President's signature. http://www.lawschoolloans.com/articles/index.php?id=20181 Wed, 31 Dec 1969 If you're in the market for a mortgage, you'd do well to arm yourself with some knowledge before you go knocking on lenders' doors. I'll soon point you to where you can learn a lot in short order, but first, here are a few mortgage traps to be wary of, some courtesy of mortgagetrap.org: http://www.lawschoolloans.com/articles/index.php?id=20178 Selena Maranjian Wed, 31 Dec 1969 President Bush is expected to sign legislation that would give permanent tax-free status to a current law that allows families to withdraw funds from college-savings accounts, according to a report from The Chronicle of Higher Education http://www.lawschoolloans.com/articles/index.php?id=20175 Judith Earley Wed, 31 Dec 1969 Aug. 1 - Senator Edward Kennedy sent a letter to Margaret Spellings, Secretary of the Department of Education, asking her to close off a federal student-aid law loophole that allows colleges to act as their students' lenders. http://www.lawschoolloans.com/articles/index.php?id=20176 Amy Wong Wed, 31 Dec 1969 MAP Plus To Help Middle-ClassCollege Presidents Have DiscussionsTax Deduction For Higher Education ExpensesNM Colleges Lose FundsCommunity Colleges Seek Modifications http://www.lawschoolloans.com/articles/index.php?id=20177 Wed, 31 Dec 1969 Surely you've heard that it's a good idea to have two or three months worth of salary tucked away in an emergency fund. Such rules of thumb can be useful, but do you really think it would help much to have two months of salary on hand if, say, your basement flooded? What if you were disabled? What if you were out of work for a year? How do you really know what you'll need if disaster strikes? http://www.lawschoolloans.com/articles/index.php?id=20174 Tim Beyers Wed, 31 Dec 1969 There are many benefits of student loan consolidation. When you consolidate your student loans, you can lock in low interest rates, reduce your monthly payments, simplify your life, and improve your credit score. In the coming weeks, we will be looking at each of the benefits in more depth. http://www.lawschoolloans.com/articles/index.php?id=20171 Wed, 31 Dec 1969 Money is a serious matter and we run the risk of disastrous ruin if we ignore it. Still, that doesn't mean we shouldn't pause now and then to chuckle over financial issues. They are often funny, after all. And we do need some giggles in our lives â€" on a regular basis, even. It was with this philosophy in mind that I recently went on an Internet hunt for some credit card jokes. Here are a few I liked. http://www.lawschoolloans.com/articles/index.php?id=20172 Wed, 31 Dec 1969 $800,000 in federal loan fraudJapan to change interest rates, as in U.S. http://www.lawschoolloans.com/articles/index.php?id=20173 Wed, 31 Dec 1969 You may know that elderly folks are often pushed into making bad investments or downright conned out of their money. But you may not know exactly how it happens. As I've learned in recent years, it's often not a case of a confused 90-year-old doing something you and I would never do. http://www.lawschoolloans.com/articles/index.php?id=20170 Selena Maranjian Wed, 31 Dec 1969 According to a report on the American Student Assistance website, House Committee on Education and the Workforce Chairman Howard http://www.lawschoolloans.com/articles/index.php?id=20167 Judith Earley Wed, 31 Dec 1969 On July 19, the Democratic Leadership Council (DLC) released http://www.lawschoolloans.com/articles/index.php?id=20168 Amy Wong Wed, 31 Dec 1969 MI Tuition UpMore Aid In OrHispanics Need More Aid InfoUpdate On New BillFL Goes To Summer School http://www.lawschoolloans.com/articles/index.php?id=20169 Wed, 31 Dec 1969 What would it feel like to open your wallet and find hundreds of dollars you didn't know you had? What if your money multiplied like that month after month? http://www.lawschoolloans.com/articles/index.php?id=20166 Dayana Yochim Wed, 31 Dec 1969 Experts Converse On College Cost$25.3 Mill For Hispanic StudentsState Rep Launders ScholarshipsUpdate On New BillEPI Directors Announced http://www.lawschoolloans.com/articles/index.php?id=20165 Wed, 31 Dec 1969 Senator Edward Kennedy (D-MA) recently wrote a letter to Charles Miller, chairman of the Secretary of Education's Commission on the Future of Higher Education, offering numerous strategies on how to bolster student financial aid. http://www.lawschoolloans.com/articles/index.php?id=20164 Amy Wong Wed, 31 Dec 1969 The Commission on the Future of Higher Education released a revised draft of their report on the state of higher education in America. http://www.lawschoolloans.com/articles/index.php?id=20163 Judith Earley Wed, 31 Dec 1969 It seems so very tempting: instant riches, all the material goods you desire, right there in the palm of your hand. Hard work? Sacrifice? Naaaaah, you can worry about that boring stuff later. One little signature is all it takes, and the world is yours. And by the time you realize that you're in deep trouble, it's too late; you're going to pay, and pay, and pay for what feels like an eternity of torment. http://www.lawschoolloans.com/articles/index.php?id=20162 Nathan Alderman Wed, 31 Dec 1969 Congress Cuts Out EarlyStudent Aid Reward ProgramNJ Tuition CappedStudent Debt Relief ActNational Merit Awards Announced http://www.lawschoolloans.com/articles/index.php?id=20161 Wed, 31 Dec 1969 The National Center for Education Statistics (NCES) released Dealing With Debt, an analytical report that suggests that 1992-93 graduates were able to deal with their student loans despite a heavy loan burden. http://www.lawschoolloans.com/articles/index.php?id=20160 Amy Wong Wed, 31 Dec 1969 Lawmakers wanted President Bush to sign an extension of the Higher Education Act (HEA) by June 30, 2006, when the current HEA was set to expire. The bill, H.R. 5603, was proposed by Rep. Ric Keller (R-FL) on June 14, and was approved by the House of Representatives under suspension of the rules on June 21, 2006. http://www.lawschoolloans.com/articles/index.php?id=20159 Judith Earley Wed, 31 Dec 1969 Kids these days don't know how bad they have it.As a nation, we're borrowing money at a record clip to pay for a lifestyle well beyond our means. Revolving consumer debt is nearly $800 billion, according to Federal Reserve Board estimates. Our personal savings rate is an emaciated negative 1.3%. http://www.lawschoolloans.com/articles/index.php?id=20158 Dayana Yochim Wed, 31 Dec 1969 On June 26, the Commission on the Future of Higher Education published a copyâ€"dubbed a http://www.lawschoolloans.com/articles/index.php?id=20155 Judith Earley Wed, 31 Dec 1969 In response to the most recent student-loan interest-rate hikes, Capitol Hill Democrats have released a report entitled http://www.lawschoolloans.com/articles/index.php?id=20156 Amy Wong Wed, 31 Dec 1969 Ethics Law Harms StudentsChanges Benefit MI StudentsFL Students SaveGrants For AZ Private SchoolsCA IMMIGRANTS TO RECEIVE AID? http://www.lawschoolloans.com/articles/index.php?id=20157 Wed, 31 Dec 1969 In an innovative approach to combating the growing burden of mounting student debt, an broad and surprisingly diverse coalition of student groups, financial institutions, parent associations, and other concerned individuals contacted the U.S. Education Department of Education (DOE) concerning what they consider to be inconsistent, confusing, and contradictory regulations for repaying student loans. http://www.lawschoolloans.com/articles/index.php?id=20151 Judith Earley Wed, 31 Dec 1969 Although it is a state that has long been recognized for its renowned universities, Massachusetts will have to work harder to compete with other, less expensive, and more venerable colleges. http://www.lawschoolloans.com/articles/index.php?id=20152 Amy Wong Wed, 31 Dec 1969 Group Salutes Finaid Stars3 Awards Pre Day In NM$6M Gift To UVALaw Firm Gives ScholarshipsWM Gets State FundsDOCS Specialize To Pay Loans http://www.lawschoolloans.com/articles/index.php?id=20153 Wed, 31 Dec 1969 It started innocently enough one morning. Each day, I check the balance of my Bank of America (NYSE: BAC) account and review the most recent transactions, and each day, I'm unsurprised. (Well, not counting the day when the bank accidentally tacked on an extra two zeroes to a quick deposit and added $10,000 to my account â€" which was promptly reclaimed. But I digress.) http://www.lawschoolloans.com/articles/index.php?id=20154 Hope Nelson-Pope (TMF Lucky11) Wed, 31 Dec 1969 Over these past several years we at [Company Name] have enjoyed providing [service description] to you. As you might have seen on [local, regional, prime time news program] or read in [local, regional, national ... well, everywhere], recently our private database was compromised, and your personal information (including your name, Social Security number, account number, date of birth, address, employment information, mother's maiden name, favorite Stooge) was exposed. http://www.lawschoolloans.com/articles/index.php?id=20150 Dayana Yochim Wed, 31 Dec 1969 Dependent students with college-savings plans in their own names may now find themselves at an advantage.According to deficit-reduction legislation passed this year, money set aside for college-savings plans will not be taken into account when determining eligibility for federal financial aid. http://www.lawschoolloans.com/articles/index.php?id=20147 Anne O†Dell Wed, 31 Dec 1969 "Best Practices" for New ActBP Scholarships Total $2MHouse Brings New HEA BillBush Signs Single Holder RepealUT Finaid Going UnusedMoney for WV Miners http://www.lawschoolloans.com/articles/index.php?id=20149 Wed, 31 Dec 1969 The personal information of 1.3 million Texas Guaranteed Student Loan Corp. borrowers was lost while in possession of a contractor, the company said. Texas Guaranteed said Wednesday that a piece of equipment containing the borrowers†names and Social Security numbers was lost May 24. http://www.lawschoolloans.com/articles/index.php?id=20146 Wed, 31 Dec 1969 The IRA concept is simple: Open an account, fill it with money, tell Uncle Sam whether you want to pay taxes on it now or later, and let it ride until retirement.So simple, yet so many people manage to mess it up. So how can you idiot-proof your most important retirement investment? http://www.lawschoolloans.com/articles/index.php?id=20144 Dayana Yochim Wed, 31 Dec 1969 On Tuesday, the House of Representatives passed the Higher Education Act (HEA) of 2006 and in it repealed the single-holder rule, which now prevents many students from considering alternative lenders when consolidating their outstanding student loans. http://www.lawschoolloans.com/articles/index.php?id=20140 Judith Earley Wed, 31 Dec 1969 Although ‽full ride” award packages at many schools are reserved for the exceptionally gifted, especially college athletes, the University of Richmond has recently launched a program to cover full tuition, room, and board costs for students whose family income is $40,000 or less. http://www.lawschoolloans.com/articles/index.php?id=20141 Anne O'Dell Wed, 31 Dec 1969 Federal Grants To Increase?Biz Scholarships BoostedGrants For Grads At UCRFeds Lessen Savings Penalties In '07PA Targets Nontrad'L StudentsAlum Endows UI ScholarshipFL Dependents In Trouble http://www.lawschoolloans.com/articles/index.php?id=20142 Wed, 31 Dec 1969 No wonder consumers are screaming. Integrated oil giants such as Chevron (NYSE: CVX), ConocoPhillips (NYSE: COP), and ExxonMobil (NYSE: XOM) as well as lesser-known names such as Valero (NYSE: VLO) have been earning record profits in this environment. And yet those profits have not come without their share of problems. For one, they've caught the eye of government officials and regulators, who are demanding more reinvestment, more capacity, and maybe even a windfall tax. http://www.lawschoolloans.com/articles/index.php?id=20139 Tim Beyers Wed, 31 Dec 1969 Last week, Florida Governor Jeb Bush signed into law a new $6.5-million increase to financial aid.Now, students whose parents do not have bachelor†s degrees could get help though need-based awards.Application is open to all students; however, officials hope the new program will help boost minority enrollment and retention. http://www.lawschoolloans.com/articles/index.php?id=20136 Anne O'Dell Wed, 31 Dec 1969 IU Makes Up Gap In State AidIU Makes Up Gap In State AidHHMI Renews Funds70 NY Seniors Lose Funds70 NY Seniors Lose FundsChronicle Crits FAFSA Formula http://www.lawschoolloans.com/articles/index.php?id=20137 Wed, 31 Dec 1969 Doesn't everybody dream of something? Maybe it's a new car or a bigger house. In the Beyers household, we dream of world travel. But we're in the minority in 2006. According to the United States Travel Data Center, Americans are planning to take shorter trips and stay closer to home this summer. http://www.lawschoolloans.com/articles/index.php?id=20134 Tim Beyers Wed, 31 Dec 1969 Undeniably, the price of a public and private college education at both two-year and four-year institutions has increased more rapidly than inflation and the median family income. Add to that mounting reductions in federal student aid funding, and the average American family is stretched beyond its limit in trying to pay for a college education. http://www.lawschoolloans.com/articles/index.php?id=20131 Judith Earley Wed, 31 Dec 1969 Because most prospective college students aren†t fully aware of the extensive financial aid benefits that are at their fingertips, colleges and universities have taken to staging events in their communities to help get the word out. From high school seniors to students at community colleges and universities, financial aid offices are reaching out locally to educate the public on different options for financing higher education. http://www.lawschoolloans.com/articles/index.php?id=20132 Charisse Dengler Wed, 31 Dec 1969 College Debt Crushes GradsStats On Student Loans ReleasedStudents Work Through SchoolUK Cracks Down On RepaymentStudents Work Through SchoolUK Cracks Down On RepaymentStats On Student Loans Released http://www.lawschoolloans.com/articles/index.php?id=20133 Wed, 31 Dec 1969 Odds are, there's a document or two that you know you should have, but you just haven't gotten around to yet. It might be your will or a living will. But did you know that there are actually lots of documents that you might want to consider adding to your file drawer? Below I've listed 10 that I think are must-have documents. See how many you have, and take action on the ones you haven't yet set up. http://www.lawschoolloans.com/articles/index.php?id=20130 Selena Maranjian Wed, 31 Dec 1969 According to a new public opinion survey released by the Project on Student Debt, while Americans view a college education as more important than ever before, they also worry that it is becoming less and less affordable.The reality of graduates entering the work world with not only a degree, but also an unprecedented amount of student loan debt to repay is viewed as a serious burden for both middle-class and low-income families. Those surveyed believe that the government should be doing more to help, and they support reforms to make loan payments more manageable. http://www.lawschoolloans.com/articles/index.php?id=20127 Judith Earley Wed, 31 Dec 1969 California Assembly is debating a new bill that would allow undocumented immigrant students to become eligible to receive financial aid in the University of California and California State campuses.Currently, about 1,800 illegal immigrant students attend the state schools and pay much higher fees than do local non-immigrant students. http://www.lawschoolloans.com/articles/index.php?id=20128 Anne O'Dell Wed, 31 Dec 1969 Career Ed. Corp. StrugglesMT Grants DoubleIL Sells Loans To Fund GrantsSalle Mae Suffers On 60 MinsIndiana U Sees Big Budget CutsSpotlight On Scholarships$1 Mill. for OCU Law Scholarship http://www.lawschoolloans.com/articles/index.php?id=20129 Wed, 31 Dec 1969 Dear Mrs. Riches: My brother and I have never gotten along, and now, after the recent deaths of our parents, we're even more at each other's throats. Unfortunately, rather than spelling out specific bequests, our parents' will just left us the whole kit and caboodle, to be split 50/50. My brother wants to immediately auction off the house and its contents, but I strongly disagree. It was our family home, and I'm not ready to say goodbye to their belongings so soon after losing them. It would break Mom and Dad's hearts to know that this is just another big fight. Any ideas what to do at this point?â€" Heartbroken in Hoboken http://www.lawschoolloans.com/articles/index.php?id=20126 Elizabeth Brokamp Wed, 31 Dec 1969 Since the passage of the Federal Deficit Reduction Act earlier this year, lawmakers, administrators, and students have been in a state of consternation over the future of federal student aid. http://www.lawschoolloans.com/articles/index.php?id=20123 Anne O'Dell Wed, 31 Dec 1969 In an effort to discourage drug use on college campuses, Rep. Mark Souder (R-IN) created an amendment that is doing much more harm than good. http://www.lawschoolloans.com/articles/index.php?id=20124 Charisse Dengler Wed, 31 Dec 1969 Loan-Sale Plan Flops in MOSingle Holder Rule in JeopardyLoans Soar at U. of HawaiiUGA Students Borrowing MoreKatrina-Related Forbearance Ends http://www.lawschoolloans.com/articles/index.php?id=20125 Wed, 31 Dec 1969 http://www.lawschoolloans.com/articles/index.php?id=20122 Rich Smith Wed, 31 Dec 1969 As the result of two 2003 Supreme Court cases, schools nationwide are now making minority scholarships and other programs available to everyone. While the cases, which involved the University of Michigan, did not outlaw race specific programs, they did leave the law in an ambiguous state, causing officials to rethink many of their policies. http://www.lawschoolloans.com/articles/index.php?id=20119 Charisse Dengler Wed, 31 Dec 1969 At an April 27 Sallie Mae seminar in Los Angeles, Southern California students showed up to protest the education lending giant†s stand on the Single Holder Rule, which eliminates refinancing options for many college students and graduates.Students called Sallie Mae ‽a predatory lender” and accused the company of discouraging competition through disingenuous means. http://www.lawschoolloans.com/articles/index.php?id=20120 Anne O†Dell Wed, 31 Dec 1969 Will students be 'able' to choose? CA students to get a break? Dean slammed for finaid fraud Map plus scholarships expanded Georgetown-China establish fellowship http://www.lawschoolloans.com/articles/index.php?id=20121 Wed, 31 Dec 1969 If you're confused about which type of retirement account to choose, here's the quick and easy (and probably smartest) strategy: Put your money in a Roth IRA. Compared with an employer-sponsored retirement account â€" such as a 401(k) or 403(b) â€" or a traditional IRA, the Roth is by far more flexible and likely will lead to more money in retirement. http://www.lawschoolloans.com/articles/index.php?id=20118 Robert Brokamp Wed, 31 Dec 1969 Borrow less, save more, and come out far ahead in the money game. http://www.lawschoolloans.com/articles/index.php?id=20023 Carleen Trapp Wed, 31 Dec 1969 For graduates lugging around thousands of dollars in student debt, the prospect of financial freedom is enough to make them do just about anything, including volunteer their time for the good of others. By participating in volunteer loan forgiveness programs, students can have a portion of their debts forgiven after performing a designated amount of public service. http://www.lawschoolloans.com/articles/index.php?id=20116 Charisse Dengler Wed, 31 Dec 1969 Department of Education Issues Help for Aid AdministratorsFAFSA Criticized in Scholars' PaperLaw Firm Celebrates 25 Years with ScholarshipMarine Corps Scholarship Foundation Has Banner Year http://www.lawschoolloans.com/articles/index.php?id=20117 Wed, 31 Dec 1969 Bad news, iPod Nation: You're failing finance. And this time, there's no make-up course. That's the conclusion of the Federal Reserve and the Jump$tart Coalition for Personal Financial Literacy. Every two years, the coalition surveys teens on a wide range of personal-finance topics, and this year's results were, shall we say, less than reassuring. Participating high school seniors answered only 52.4% of questions correctly. Here's a rundown of the specifics. http://www.lawschoolloans.com/articles/index.php?id=20115 Tim Beyers Wed, 31 Dec 1969 In an effort to fix some of the problems with federal aid programs, a commission is considering different options that would change the accreditation and aid-allocation processes. http://www.lawschoolloans.com/articles/index.php?id=20112 Charisse Dengler Wed, 31 Dec 1969 Student aid reform has become a visible and immediate topic over the past several months. Although President Bush†s commission on the subject was only announced last September, dwindling funds for state and federal programs in the face of rising tuition costs have become the depressingly constant subject of complaints from students and administrators year after year. Even more discouraging is the federal government†s doublespeak insistence that the administration is bolstering financial aid. http://www.lawschoolloans.com/articles/index.php?id=20113 Anne O'Dell Wed, 31 Dec 1969 White Students Seeing More AidKY Law Students Lose FundsTwo Congressmen Seek To Restore FinAidUM Clears Path for Debt-Free GradsSPOTLIGHT ON SCHOLARSHIPSTwo New Grants for '06-'07Research Grant Deadline Approaches http://www.lawschoolloans.com/articles/index.php?id=20114 Wed, 31 Dec 1969 Dear Mrs. Riches: Help! My husband is addicted to the hardware store, and it's getting ridiculous. Our garage is filled with expensive tools still in their original packaging, stacks of unopened boxes of nails and screws, and who knows what else. He's spent about $500 just in the last three months alone! Whenever I see him coming into the house with a new shopping bag of stuff, he says sheepishly, http://www.lawschoolloans.com/articles/index.php?id=20111 By Elizabeth Brokamp Wed, 31 Dec 1969 Did you know that laying drywall together can make your marriage stronger? According to a 2003 survey by hand-tool maker Great Neck Saw Manufacturers, 54% of couples actually enjoy working with each other on home-improvement projects. And 9% of handy couples said that fixing up their homes together is â€" get this â€" romantic. http://www.lawschoolloans.com/articles/index.php?id=20107 Dayana Yochim Wed, 31 Dec 1969 As protests swell across the country and the dialogue on immigration becomes more heated, the educational futures of the children of undocumented immigrants have become an important aspect of the national debate. http://www.lawschoolloans.com/articles/index.php?id=20108 Anne O'Dell Wed, 31 Dec 1969 In an effort to create more diversity on their campuses, many universities are implementing no-loan policies and other financial aid programs targeted at African-American, Latin-American, and Native American students. http://www.lawschoolloans.com/articles/index.php?id=20109 by Charisse Dengler Wed, 31 Dec 1969 FIVE THOUSAND FOR GRADS IN PUBLIC SERVICETOO MUCH DEBT FOR INDIANA TEACHERS, SOCIAL WORKERSVIRGIN ISLANDS TEACHERS GET A BREAKKATRINA-AFFECTED SCHOOLS GET RELIEFMISSOURI FACES LOAN SALESPOTLIGHT ON SCHOLARSHIPSUND'S NEW ENGINEERING SCHOLARSHIPUWLAW STUDENTS RECEIVE SHOWY GRANT http://www.lawschoolloans.com/articles/index.php?id=20110 Wed, 31 Dec 1969 Despite the lending industry's less-than-centered ways, credit cards can be a tool for good in the hands of a savvy consumer. http://www.lawschoolloans.com/articles/index.php?id=20106 Dayana Yochim Wed, 31 Dec 1969 You can do all the research in the world to find your dream ride. But it's not just the asking price that's on the line. A few missteps at the dealership, and you could watch your credit score and consumer rights get totaled.Here are some all-too-common scams that trap everyone from gearheads to grandmas while shopping for a car: http://www.lawschoolloans.com/articles/index.php?id=20105 Dayana Yochim Wed, 31 Dec 1969 College kids, stranded travelers, and Sex and the City stars aren't the only people who consider a credit card their lifeline. The silver-haired set is relying on plastic more than ever before. http://www.lawschoolloans.com/articles/index.php?id=20104 Dayana Yochim Wed, 31 Dec 1969 Brian Boucher was looking for a roommate to share his one-bedroom apartment, so he did what many modern-day housing hunters do â€" he posted an ad on Craigslist.org. http://www.lawschoolloans.com/articles/index.php?id=20103 Dayana Yochim Wed, 31 Dec 1969 Did you know that laying drywall together can make your marriage stronger? According to a 2003 survey by hand-tool maker Great Neck Saw Manufacturers, 54% of couples actually enjoy working with each other on home-improvement projects. And 9% of handy couples said that fixing up their homes together is â€" get this â€" romantic.Twosomes could learn a few things about tackling money issues from this very unlikely source. (Take a moment now to picture your beloved sporting a perfectly worn leather tool holster and rugged flannel shirt, beaming at a job well done. OK, enough fantasizing.) http://www.lawschoolloans.com/articles/index.php?id=20102 Dayana Yochim Wed, 31 Dec 1969 They weigh down our wallets, rattle around in our vacuum cleaners, and are summarily dismissed by most vending machines. You never have enough when you need them, yet their value is so inconsequential that store clerks leave bowls of them by the checkout counter completely unguarded. http://www.lawschoolloans.com/articles/index.php?id=20100 Dayana Yochim Wed, 31 Dec 1969 I really appreciated your column on http://www.lawschoolloans.com/articles/index.php?id=20099 Dayana Yochim Wed, 31 Dec 1969 Let's face it â€" if you're reading this, then you're doing one of three things:roses left! http://www.lawschoolloans.com/articles/index.php?id=20098 Dayana Yochim Wed, 31 Dec 1969 Dear Dayana, I am at a crossroads. I spent my twenties living a life of excess and reckless spending. Now, having recently turned 30, I am beginning to panic when there is only $4 in my checking account the last week of the month, and I've already begun raiding my minuscule savings account to buy such necessities as toilet paper and Fancy Feast for my cats. http://www.lawschoolloans.com/articles/index.php?id=20097 Dayana Yochim Wed, 31 Dec 1969 Apathy or spending spree â€" take your pick. Those are the two main choices Americans tend to make when handling money in a former employer's work retirement plan. http://www.lawschoolloans.com/articles/index.php?id=20096 Dayana Yochim Wed, 31 Dec 1969 For more than 30 years, Mister Rogers invited television neighbors into his two-bedroom bungalow in the neighborhood of Make-Believe. During that time â€" from 1967 to 2001 â€" the rest of the network TV neighborhood was going to pieces. Fast cuts, frenetic action, and product tie-ins became standard children's programming fare. Through it all, Mister Rogers stayed on message. His message. Even when the world beyond the cathode-ray tube got complicated (wars, gang violence, social shifts, school shootings), Fred Rogers kept his cool. His patient, soft-spoken way with children was such a strong influence that he achieved rock-star status for several generations of kids. http://www.lawschoolloans.com/articles/index.php?id=20095 Dayana Yochim Wed, 31 Dec 1969 There's no more emotionally charged topic than money. Except, maybe, sofas and sectionals. When it comes to matters of taste and finances, everyone wants his or her own way.Country vs. contemporary. Cash vs. credit. It's not that big of a stretch to see how couples come to blows over sofa styles, saving, and spending. Home magazine offered some sound relationship advice about keeping the decorating peace in the household. These four decorating tips for two can also be easily applied to money management. Grab a throw pillow and settle in: http://www.lawschoolloans.com/articles/index.php?id=20094 Dayana Yochim Wed, 31 Dec 1969 The two charts on this page demonstrate how much money Law School Loans can save you on your federal student loans. Chart 1 shows how much less interest you will pay over the life of your loan if you consolidate at today†s low fixed interest rate and take advantage of Law School Loans†Platinum Counsel and Platinum Counsel Select benefits. This chart compares (1) the amount of interest you would pay on Stafford loans at the interest rate cap of 8.25%, (2) the amount of interest you would pay if you consolidated now at the grace period consolidation rate of 4.75%, and (3) the amount of interest you would pay with Law School Loans†Platinum Counsel and Platinum Counsel Select interest rate reductions (.25% reduction for auto-debit, plus additional 1% reduction if you consolidate $20,000 or more in eligible student loans and make 36 consecutive on-time full payments.) The chart assumes a 10-year repayment term for each type of loan. You save money (even if you don†t extend your repayment term) because you lock in a low fixed interest rate and can reduce that rate even further. You can save tens of thousands of dollars over the life of your loan by consolidating with Law School Loans today! http://www.lawschoolloans.com/articles/index.php?id=20091 Wed, 31 Dec 1969 Dear Dayana, I had property and recently sold it. I thought after doing so my credit score would get a real boost, but it really didn't move. I made some money from the sale and would like to increase my credit score by taking out a secured loan with some of the profit that is currently sitting in the bank. My idea is to take out such a loan and then repay it right after the lending institution reports it to the credit bureau(s). Do you think this is sound? â€" Need a Boost http://www.lawschoolloans.com/articles/index.php?id=20090 Dayana Yochim Wed, 31 Dec 1969 It's that time of year again. We listen to endless loops of saccharine-sweet holiday tunes, binge on stale taffy sent by prospective business partners, and, most of all, we wallow in the remembrance of our big foul-ups of the previous year.Everybody does this, right? http://www.lawschoolloans.com/articles/index.php?id=20089 The Motley FoolDayana Yochim Wed, 31 Dec 1969 This isn't another story about how to get last-minute holiday bargains. (Though if you insist, here are a few Fool-approved ideas.)No, this is a story about how to milk your employer for every last penny that is rightfully yours.Remember that thick packet of company benefits materials the smiling human resources assistant handed you on your first day on the job? Neither do we. So go ahead and dig it out from the bottom drawer because there may be dollar bills stuck to nearly every page. http://www.lawschoolloans.com/articles/index.php?id=20088 The Motley FoolDayana Yochim Wed, 31 Dec 1969 It's the holiday season again. Sigh. If you're stressed out from wondering what to get for your various loved ones, calm down. Here are some clever ideas for you, many of which you can act on from the comfort of your desk. http://www.lawschoolloans.com/articles/index.php?id=20087 Selena Marinjian Wed, 31 Dec 1969 You might want to rethink that third helping of late-night cold turkey on Thursday. You wouldn't want to miss your wake-up call from Kermit the Frog on behalf of Target stores. http://www.lawschoolloans.com/articles/index.php?id=20084 The Motley Foolby Dayana Yochim Wed, 31 Dec 1969 I'd never heard of Jacques Demers until I read an article about him the other day. You, however, may be quite familiar with him. Among other accomplishments, he was the head coach of the last Montreal Canadiens hockey team to win the Stanley Cup (in 1993). Many sports fans have long admired the guy -- and many Canadians even urged him to run for the nation's Parliament. Little did they know that he was carrying around a huge and humiliating secret: He couldn't read! http://www.lawschoolloans.com/articles/index.php?id=20085 The Motley Foolby Selena Marinjian Wed, 31 Dec 1969 If you're staring at a holiday shopping list, trying to work up the energy to tackle it, you probably know that you have several main options. http://www.lawschoolloans.com/articles/index.php?id=20086 The Motley Foolby Selena Marinjian Wed, 31 Dec 1969 We make our financial plans based on the present continuing into the future, and maybe getting a little better along the way. http://www.lawschoolloans.com/articles/index.php?id=20039 Robert Brokamp Wed, 31 Dec 1969 There's so much unpleasantness involved in keeping financial house â€" receipts that multiply like bunnies, the incessant parade of bills, ever-changing tax laws, retirement account acronyms, and a forest's worth of http://www.lawschoolloans.com/articles/index.php?id=20040 Wed, 31 Dec 1969 Thank you for reading. I hope you'll stick around until paragraph four, or even five, but if you don't I'll understand. http://www.lawschoolloans.com/articles/index.php?id=20041 Dayana Yochim Wed, 31 Dec 1969 My husband and I like to shop. A lot. I pay the bills and keep track of our accounts. Right now we have no credit card debt, but our savings is shot. http://www.lawschoolloans.com/articles/index.php?id=20042 Dayana Yochim Wed, 31 Dec 1969 A few months ago, I wrote a short article highlighting just how high some credit card interest rates are. http://www.lawschoolloans.com/articles/index.php?id=20043 Selena Maranjian Wed, 31 Dec 1969 Be grateful for Paris Hilton. No, not for filling in where Anna Nicole Smith left off. We have Paris to thank for a timely cyber-security wakeup call. http://www.lawschoolloans.com/articles/index.php?id=20044 Dayana Yochim Wed, 31 Dec 1969 Last weekend, my wife was cleaning out her old office whilst I was preparing for a Monday meeting with our accountant. It is tax season, after all. http://www.lawschoolloans.com/articles/index.php?id=20045 Tim Beyers (TMFMileHigh) Wed, 31 Dec 1969 I had heard (one of those things that http://www.lawschoolloans.com/articles/index.php?id=20046 Dayana Yochim Wed, 31 Dec 1969 Experts forecast that this year's hurricane season, which officially begins today, June 1, will be another doozy, with an above-normal number of storms. http://www.lawschoolloans.com/articles/index.php?id=20047 S.J. Caplan Wed, 31 Dec 1969 Grow old along with me! The best is yet to be, The last of life, for which the first was made. http://www.lawschoolloans.com/articles/index.php?id=20048 Selena Maranjian Wed, 31 Dec 1969 There are lots of things to be wary of when investing. You need to keep your unhelpful human tendencies in check, for one thing. http://www.lawschoolloans.com/articles/index.php?id=20049 Selena Maranjian Wed, 31 Dec 1969 Every day I strive to simplify the unnecessarily complicated, to remove the veil of secrecy and confusion that cloaks financial decisions, and to illuminate the path to economic enlightenment with an easy-to-follow blueprint. http://www.lawschoolloans.com/articles/index.php?id=20050 Dayana Yochim Wed, 31 Dec 1969 Being fabulous can be such a burden â€" the covetous glances, the minimally hushed comments ( http://www.lawschoolloans.com/articles/index.php?id=20051 Dayana Yochim Wed, 31 Dec 1969 Ah, retirement. What could be better than a reliable income that doesn't depend on how you spend your time? You could lie around in your pajamas all day, subsisting on beer. http://www.lawschoolloans.com/articles/index.php?id=20052 William Stecker Wed, 31 Dec 1969 Quick, Mom, turn on the TV. (And don't let Dad change the channel.) The newscasters in Lawrence, Kan., should be abuzz about http://www.lawschoolloans.com/articles/index.php?id=20053 Dayana Yochim Wed, 31 Dec 1969 My good friend Billy Bob Rutabaga told me that he didn't just fall off the turnip truck. http://www.lawschoolloans.com/articles/index.php?id=20054 David Jacobs Wed, 31 Dec 1969 Mom was right about saving money on groceries by shopping on a full stomach. And though you may have felt like the Michelin Man, she had a point about layering, layering, layering until coats went on sale in February. http://www.lawschoolloans.com/articles/index.php?id=20055 Dayana Yochim Wed, 31 Dec 1969 Won't retirement be great? No more need to update your knowledge and improve your skills. No more colleagues to interact with. http://www.lawschoolloans.com/articles/index.php?id=20056 Robert Brokamp Wed, 31 Dec 1969 Simplicity of life, even the barest, is not a misery, but the very foundation of refinement; a sanded floor and whitewashed walls and the green trees, and flowery meades, and living waters outside... â€" William Morris http://www.lawschoolloans.com/articles/index.php?id=20057 Selena Maranjian Wed, 31 Dec 1969 The following is adapted from the February issue of Rule Your Retirement. Take a 30-day free trial today and receive a complimentary copy of our bestselling book, Money After 40. http://www.lawschoolloans.com/articles/index.php?id=20058 Robert Brokamp Wed, 31 Dec 1969 Ah, the complex world of credit scoring. If only the credit reporting agencies would share their secret formulas. http://www.lawschoolloans.com/articles/index.php?id=20059 Dayana Yochim Wed, 31 Dec 1969 I do not balance my checkbook. There. I said it. As long as I'm coming clean, I should admit that I have never balanced my checkbook. Ever. http://www.lawschoolloans.com/articles/index.php?id=20060 Dayana Yochim Wed, 31 Dec 1969 The other day, I got something in the mail that looked like it would be another credit card bill. http://www.lawschoolloans.com/articles/index.php?id=20061 Selena Maranjian Wed, 31 Dec 1969 Just give me one second... I know I've got your Social Security number, date of birth, and history of home addresses and credit cards lying around here somewhere. http://www.lawschoolloans.com/articles/index.php?id=20062 Dayana Yochim Wed, 31 Dec 1969 If you're confused about which type of retirement account to choose, here's the quick and easy (and probably smartest) strategy: Put your money in a Roth IRA. http://www.lawschoolloans.com/articles/index.php?id=20063 Robert Brokamp Wed, 31 Dec 1969 A lot of limbs and organs must be maintained in order to lead a healthy, robust financial life: saving and spending, debt, insurance, investments, taxes, and â€" the topic nearest and dearest to my heart â€" retirement. http://www.lawschoolloans.com/articles/index.php?id=20064 Robert Brokamp Wed, 31 Dec 1969 A week at Speed Metal Band Boot Camp for Teens sounds delightful. But you're no longer a teenager. Come to think of it, you're really not that much into speed metal anymore, either. http://www.lawschoolloans.com/articles/index.php?id=20065 Dayana Yochim Wed, 31 Dec 1969 I recently spent a fair chunk of change on a major home renovation. Walls came down, walkways were cut through concrete, and two sets of French doors were installed. http://www.lawschoolloans.com/articles/index.php?id=20066 Dayana Yochim Wed, 31 Dec 1969 Dear Dayana: I'm a recent college grad, just turned 25 and have started a new job at an architectural firm in Michigan. I'd like to buy a new home or condo and am looking for advice on what steps I should take and if this is a good decision for me. http://www.lawschoolloans.com/articles/index.php?id=20067 Dayana Yochim Wed, 31 Dec 1969 Money is a serious matter and we run the risk of disastrous ruin if we ignore it. Still, that doesn't mean we shouldn't pause now and then to chuckle over financial issues. They are often funny, after all. http://www.lawschoolloans.com/articles/index.php?id=20068 Selena Maranjian Wed, 31 Dec 1969 Thank you for the late payment on your account. It's because of good customers like you that we at PlasticFantastic Credit Inc. http://www.lawschoolloans.com/articles/index.php?id=20069 Dayana Yochim Wed, 31 Dec 1969 Occasionally, I play a grim game I call http://www.lawschoolloans.com/articles/index.php?id=20070 Dayana Yochim Wed, 31 Dec 1969 As a math teacher, my wife runs into teenagers who are, to put it mildly, completely clueless when it comes to matters of money and personal finance. http://www.lawschoolloans.com/articles/index.php?id=20071 Seth Jayson Wed, 31 Dec 1969 The National Insurance Crime Bureau's list of most-stolen cars in 2004 was released this week, and I feel robbed. http://www.lawschoolloans.com/articles/index.php?id=20072 Dayana Yochim Wed, 31 Dec 1969 We all know we should save for retirement, yet study after study shows that most Americans aren't saving enough. http://www.lawschoolloans.com/articles/index.php?id=20073 Robert Brokamp Wed, 31 Dec 1969 You are the absolute best person to manage your money. That is one of the foundational beliefs of The Motley Fool. http://www.lawschoolloans.com/articles/index.php?id=20074 Paul E. Eckler Wed, 31 Dec 1969 A recent move uncovered a long-forgotten memento from childhood. In a shoebox full of keepsakes I rediscovered my first diaryâ€"a faded coral-colored tome no bigger than an address book, secured with a faux brass lock and heart-shaped key. http://www.lawschoolloans.com/articles/index.php?id=20075 Dayana Yochim Wed, 31 Dec 1969 Maybe you cared more about Woodstock than shares of stock. Perhaps you spent more time on disco than on Cisco (Nasdaq: CSCO). Or it could be that you kept a better eye on your favorite VJ at MTV than on your 401(k). http://www.lawschoolloans.com/articles/index.php?id=20076 Robert Brokamp Wed, 31 Dec 1969 How you drive (cautiously, aggressively, or anxiously), your dream occupation (poet, stuntman, Supreme Court justice), what you look for in a mate (stability, spontaneity, a hot car), and even how well you tip at restaurants reveal a lot about your money personality. http://www.lawschoolloans.com/articles/index.php?id=20077 Dayana Yochim Wed, 31 Dec 1969 We're bombarded with marketing messages everywhere we turn â€" when we pick up the morning newspaper, watch TV, read our email, scan this article, go to the movies, go into a bathroom stall at the movies. http://www.lawschoolloans.com/articles/index.php?id=20078 Dayana Yochim Wed, 31 Dec 1969 The aroma of crackling fireplaces wafts through the evening air, fragrant evergreen garlands wend their way up banisters, and highlights of the year about to pass begin to well up in all of our hearts. http://www.lawschoolloans.com/articles/index.php?id=20079 Dayana Yochim Wed, 31 Dec 1969 It has long been understood that if you pay your bills late, your credit score will suffer. Well, it turns out that's not entirely true. Yes, payment punctuality counts for about 35% of your overall credit score. http://www.lawschoolloans.com/articles/index.php?id=20080 Dayana Yochim Wed, 31 Dec 1969 Forget everything you thought you knew about America's debt problems. It's not reckless spenders racking up a record $800 billion in balances on credit cards that's the problem. http://www.lawschoolloans.com/articles/index.php?id=20081 Dayana Yochim Wed, 31 Dec 1969 Separate Your Wants from Your Needs and Save http://www.lawschoolloans.com/articles/index.php?id=20032 Carina Zaragoza Wed, 31 Dec 1969 A Primer on Becoming the Prime Candidate http://www.lawschoolloans.com/articles/index.php?id=20033 Carina Zaragoza Wed, 31 Dec 1969 Invest your savings and watch your money grow http://www.lawschoolloans.com/articles/index.php?id=20034 Carina Zaragoza Wed, 31 Dec 1969 Start early and invest wisely http://www.lawschoolloans.com/articles/index.php?id=20035 Carleen Trapp Wed, 31 Dec 1969 The ABCs for a successful exam http://www.lawschoolloans.com/articles/index.php?id=20036 Carleen Trapp Wed, 31 Dec 1969 Why putting all your eggs in one basket is a good thing http://www.lawschoolloans.com/articles/index.php?id=20010 Carina Zaragoza Wed, 31 Dec 1969 What you can†t afford not to know http://www.lawschoolloans.com/articles/index.php?id=20009 Carina Zaragoza Wed, 31 Dec 1969 Lower interest rates will make your financial future even brighter http://www.lawschoolloans.com/articles/index.php?id=20008 Carleen Trapp Wed, 31 Dec 1969 How your school expenses may lower your taxes http://www.lawschoolloans.com/articles/index.php?id=20004 Carleen Trapp Wed, 31 Dec 1969 Save your money and your credit by combining your loans today http://www.lawschoolloans.com/articles/index.php?id=20003 Carleen Trapp Wed, 31 Dec 1969 Find your way through the maze of financial aid to the help that is right for you http://www.lawschoolloans.com/articles/index.php?id=20005 Wed, 31 Dec 1969 What you need to know to choose the right program for your loans http://www.lawschoolloans.com/articles/index.php?id=20006 Carleen Trapp Wed, 31 Dec 1969 Enjoy the perks that come with your paycheck and save money at the same time http://www.lawschoolloans.com/articles/index.php?id=20007 Carleen Trapp Wed, 31 Dec 1969 Strategies that will put you in the black fast http://www.lawschoolloans.com/articles/index.php?id=20011 Carina Zaragoza Wed, 31 Dec 1969 Why those big debts make sense for your financial future http://www.lawschoolloans.com/articles/index.php?id=20012 Carina Zaragoza Wed, 31 Dec 1969 How to avoid identity theft and other online risks http://www.lawschoolloans.com/articles/index.php?id=20016 Carleen Trapp Wed, 31 Dec 1969 The ins and outs of paying back your loans http://www.lawschoolloans.com/articles/index.php?id=20017 Carina Zaragoza Wed, 31 Dec 1969 How you can utilize the federal government to help http://www.lawschoolloans.com/articles/index.php?id=20018 Carleen Trapp Wed, 31 Dec 1969 Explore the myths and realities http://www.lawschoolloans.com/articles/index.php?id=20019 Carleen Trapp Wed, 31 Dec 1969 What to consider and what to look forward to when heading back to campus. http://www.lawschoolloans.com/articles/index.php?id=20020 Carina Zaragoza Wed, 31 Dec 1969 A little work on your part can make the difference between affordable payments and nightmare debts. http://www.lawschoolloans.com/articles/index.php?id=20021 Carina Zaragoza Wed, 31 Dec 1969 How keeping records and knowing your limits will make post-graduate life easier. http://www.lawschoolloans.com/articles/index.php?id=20022 Carleen Trapp Wed, 31 Dec 1969 The who, what, where, when, and why of borrowing and consolidation. http://www.lawschoolloans.com/articles/index.php?id=20024 Carina Zaragoza Wed, 31 Dec 1969 Good habits start early and will serve you well for the rest of your life. http://www.lawschoolloans.com/articles/index.php?id=20025 Carina Zaragoza Wed, 31 Dec 1969 Know what it takes to build good credit and why doing so is important to your future. http://www.lawschoolloans.com/articles/index.php?id=20026 Carleen Trapp Wed, 31 Dec 1969 Understanding the differences and how they affect your wallet. http://www.lawschoolloans.com/articles/index.php?id=20027 Carleen Trapp Wed, 31 Dec 1969 Making a budget will help reduce your loans and save a bundle. http://www.lawschoolloans.com/articles/index.php?id=20028 Carina Zaragoza Wed, 31 Dec 1969 Consolidate your way to the perks you deserve! http://www.lawschoolloans.com/articles/index.php?id=20029 Wed, 31 Dec 1969 Easy options to borrow or consolidateâ€"all in one place. http://www.lawschoolloans.com/articles/index.php?id=20030 Wed, 31 Dec 1969 Save time and frustration with our easy applications http://www.lawschoolloans.com/articles/index.php?id=20031 Wed, 31 Dec 1969 Bill helps HEA escape Congress†reauthorizing moveSpellings spells out American Dream to HEPension provisions insufficient to raise donationsMaddox joins as new ED Assistant SecretaryMOHELA outlines payment plan to Blunt http://www.lawschoolloans.com/articles/index.php?id=20206 Wed, 31 Dec 1969