College Summer Programs for High School Students

Summer enrichment programs are not just for your curricular activities and there are a lot of things one can do in summer schools. Most people think that in summer programs students who did not perform well throughout the year have to take some remedial classes. College summer programs for high school students are not just restricted to certain types. There are a lot of activities which can be done in these summer schools. Special summer programs are designed for the high school students because besides studies they also need entertainment. College summer programs for high school students give students the opportunity to excel in academic subjects and to develop some skills like playing certain instruments or to go for a sport. 

There are hundreds of skills which can be groomed by training students in college summer programs for high school students. Most of the students do not get enough time during their regular school to excel their skills. This is the best time to gain this opportunity. You can either join your own school’s summer program, or you may go for college summer programs for high school. The second option is better as a school which is running just for this purpose will have thousands of summer programs and will fulfill the needs of almost each student. Whether you want to excel in arts, sciences or humanities, summer programs are the best option. And before joining college summer programs for high school students, make sure that their list contains the activity for which you are joining the summer program. 

There are some guidelines which high school students should consider when they are going to join college summer programs for high school students. The main factor is time; check out the time you can manage or take out for these summer activities from your summer holidays. Also keep in mind, that you have to do your summer vacations’ tasks of your high school as well, so sort out the time you can get off for these summer programs. 

Normally, college summer programs for high school students range from four, five days to even eight weeks. And the second step is to realize why you are joining a summer program. It will be important for you to figure out what you want to do at a summer school, whether you want to excel in your academics, want to go for acting in a play, want to polish your second language, excel in your writing skills, or want to go for creative writing, dance, music, movie, theater, football. There is a huge list of activities that are offered by the college summer programs for high school students. Check http://www.highschoolstudentssummerprograms.com/ for more info.

Credit cards for college students - life-savers or rip-offs?

Credit cards for college students, when used responsibly, can represent the first step towards building a good credit history. However, without some basic principles of budgeting and financial responsibility, all types of credit cards for college students can lead to a considerable debt.

Before applying for one, consider all aspects and analyze all advantages and disadvantages. Do not apply for those credit cards for college students if you're not sure that you can use credit cards responsibly, or else you can end up with a great debt one you graduate. Also, to avoid a financial disaster, it is advisable not to charge your tuition to the credit card.

The legislation regarding credit cards for college students has changed as of February 2010, in order to protect students from the consequences of misusing credit cards. However, in the end it's still up to you to use it responsibly. Credit card companies are not allowed to issue cards to students under 18 years of age, while students under the age of 21 will need either an adult co-signer, or proof that they have the financial means to pay the bill. 

Credit cards for college students can reach some of the highest interest rates, since students don't have an established credit record. Companies offering all sorts of credit cards for college students are allowed on campus, in fact many colleges earn a fair amount of money from creating affinity credit cards which include the name of the college, or simply by allowing them this practice.

In order to protect yourself from potential financial disasters, learn as much as possible about fees and interest rates before applying for ay kind of credit cards for college students. They sound great, but if you analyze all aspects carefully, they're nothing more than high-interest loans. Annual fees range from $20 to $100, finance charges for the unpaid portion of your bill can reach as much as 25% per month, not to mention that the interest rates for cash-advance fees are even higher. If you add to that some late payment fees, usually around $25 - $50, you can end up in a pretty tough financial situation. And keep in mind that late or missed payments stay in your credit report for 7 years. 

To avoid such situations, learn some basic principles of credit management. Credit cards for college students are designed to sound very appealing, but be sure to read carefully all application materials; pay special attention to the fine print. There are essential aspects you should be aware of, such as the interest rate for a cash advance, the interest rate if you're late with or miss a payment, or what happens when the 'teaser rate' expires. 

Be prompt in paying your bills so you can keep your finance to a minimum, and if possible, pay off your balance. Apply for credit cards for college students only when you're positive that you can repay the debt. The credit card is designed to help you in cases of emergency, so try to avoid using it in excess for unnecessary expenses or impulsive shopping. If you would like to learn more, visit http://www.studentcreditcardapplication.net/.

Bank Student Loans - Federal versus private student loan

Bank student loans are a very common type of loans used for college financing. There are two differentiated types of  bank student loans: federal loans and private loans, both of them designed to help students pay for college programs and campus expenses. The amount which can be borrowed varies according to the educational institution’s policies, based on several aspects, such as students’ income level, parents’ income level and other factors which are calculated in a formula specially created for students.

Federal loans and private loans are both bank student loans designed for the same purpose - provide students with the financial means for their studies, both undergraduate and graduate. Bank student loans have two great benefits over common loans, the interest rates are lower and the repayment is far easier. The interest rate is usually around two percent lower than the one for conventional loans, this varying according to the bank student loans you opt for. 

There are, of course, many differences between federal and private loans. The main difference is represented by the time status in which payments are enrolled, which is an extremely important factor that help students and their parents configure a financial plan during the years of study, which prove to be very costly. In the case of bank students loans obtained through federal aid, payments start with at least half time status. These types of bank student loans are guaranteed by the U.S. Department of Education directly or through diverse guaranty agencies, both offering a six months grace period.

Private student loans are bank student loans that are not guaranteed by federal agencies and imply banks or other finance companies. These types of loans are a combination of the best characteristics of the federal loans. A great benefit is that private student loans provide higher amount limits than federal student loans, offering financial safety to students throughout all years of study. You can also apply for a private student loan if the federal loan already used would not suffice. Another aspect is that private category of the bank student loans require no payments made until graduation, but interest is applied as soon as financing starts and usually, the interest rate is higher than the one applied to federal student loans. The grace period, on this case, raises to 12 months.

The main disadvantages of private bank student loans over federal student loans are configured by the larger number of fees applied, higher interest rates, and the protection that private bank loaners do not ensure, in comparison to federal loaners. Anyway, what you should do after you have decided on which college institution you’d like to attend, is to analyze with a close attention all aspects of bank student loans providers, either private or federal, according to your necessities and financial planning and decide which one best suits your requirements. Check http://www.student-bankaccounts.com/ and find out more.