Analyzing Online Education Opportunities


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As the demand for online education has grown, so has the supply of online education opportunities. Take advantage of this large number of new online education opportunities by finding a program that is tailored to your needs. Here are four things to do before choosing the online education opportunity that meets your needs:

1. Clearly Define Your Educational Goals

You need to know exactly what you want to gain from your education. How much are you willing to spend? Are you trying to sharpen or reinforce your professional skills with a couple of classes? Are you trying to take a whole new career direction? Are you trying to advance your career with a new degree? Are you trying to add a more prestigious college to your resume? If you don’t readily know the answers to all of these questions you may need to do some thinking over them before you’re ready to proceed. Don’t invest too much money in an educational program that may not meet your goals.

2. List All of the Likely Solutions to Your Educational Goals

Look over the materials provided to you in brochures and on the Internet from all universities that appear to relate to your educational goals. If they have academic advisors, take advantage of them to bounce your thoughts on your education off of them and get advice. Gather as much information from as many online educational institutions as possible. Compare their scholastic offerings, educational styles, costs, and educational support systems to your educational goals. Use this information to narrow your list down to a few schools that seem most suited to you.

3. Research the Schools Thoroughly

There are probably more fake online degree programs than legitimate online degree programs. If you aren’t sure of the reputation of the college with which you’re dealing, do some accreditation research. Once you know that the institution is legitimate, make sure that the site you’re visiting is actually the site of the institution to which it claims to belong. A quick call to the school’s listed phone number on a national educational institution listing site should let you verify that you are indeed dealing with the school with which you believe you’re dealing.

4. Go with Either a Big Name or Accreditation

If your school of choice isn’t a big name school such as Harvard, make sure that the school offering the online education opportunity has proper accreditation. Accreditation is how most employers and other educational institutions determine whether schools they’ve never heard of are providing adequate education. Accreditation may not be as important for local private colleges, but it is generally vital for online degree programs from small colleges.

Online Education Degree Programs

With an online education degree program you can earn an education degree that can be helpful in your teaching career to become a teacher, principal, education advocate or professor. These online programs are generally catered to suit the needs for people who have hectic personal activities. It’s flexible property focuses on you and your needs by giving you the opportunity to earn a degree without having to step into crowded lecture halls or traveling between work and school.

There are basically three types of online degree programs – bachelor, master and doctoral. A Bachelor-level program provides you a platform to become teachers at elementary or secondary level of education. Master students that take up online education degree programs can actually come from career changers who have the desire to obtain teaching certificates as part of their graduate job. Some are actually looking forward to qualify for administrative positions or teaching jobs at community colleges.

Doctoral students may also choose these programs to increase their opportunities in becoming education professors and engaging in research related with education. Today, teaching needs an excellent certification to be qualified as an educator. You have to practice caution by researching and checking with your state’s rules and regulations regarding the appropriate requirements before you enroll yourself in any of the available online programs. There may be a requirement for you to take additional tests or to complete a local student teaching hours before you are allowed to become a classroom teacher.

Earning an education degree through online program has its own benefits such as you are allowed to juggle between work and studying at your own pace and most importantly the students are able to make a wider connection from all across the globe thereby increasing the access to experienced professors with a wide variety of education experience.

In your quest of finding the best online programs that offer you an education degree course, bear in mind that accreditation is a vital element. Certificates that are fully accredited have the best opportunity to land you a job offer. Now that you have known this, make a thorough research on the list of online college or university profiles to find the best accredited and recognized program that is in line with your schedule, finance, and learning methods.

Financing Your Education With Federal Supplemental Educational Opportunity Grants

Federal Supplemental Educational Opportunity Grants assist those undergraduate students signed up for a postsecondary education that cannot afford their educational expenses without financial aid. The grant is in place to enable them to meet their educational expenses to the successful completion of a postsecondary degree.

Federal Supplemental Educational Opportunity Grants are overseen by the Department of Education and are categorized under the Federal Student Aid Information Center. In order to be eligible, students have to be enrolled in eligible schools which may be public or private nonprofit institutions of higher education. These can include but are not restricted to universities, colleges, hospital schools of nursing, vocational-technical schools and for- profit institutions.

Students need to sign a statement of educational purpose, a statement of registration compliance (selective service) are not permitted to owe reimbursement on another a Title IV grant, cannot actually have a Title IV loan that is defaulted, cannot already have a bachelors degree and must file their Free Application for Federal Student Aid.

While the Federal Supplemental Educational Opportunity Grants program is overseen by the Department of Education, the disbursing agent will be the Federal Student Aid office. The Federal Student Aid office will both determine and notify participating institutions. From there the institution awards these funds to the students based on financial need. The necessity for financial assistance is as established using the Federal Needs Analysis. Federal Supplemental Educational Opportunity Grants require the institution to match funds with what is awarded.

To be qualified to receive the Federal Supplemental Educational Opportunity Grants the student is required to be a United States citizen or an eligible non-citizen (this implies those with an Alien Registration Card or those with Arrival Departure Record with specific designations). The student should also be accepted for enrollment into an eligible institution of higher education.

The total grants were $770,933,000 in 2007; approximately $757,464,800 in 2008; $757,464,800 in 2009 and $757,464,800 in 2010. Depending upon the need of the student and how much they are assigned designated by the institution, the grant received through the program can vary between $100 and $4,000; mostly, a new student was able to expect around $736 in 2010. A student cannot receive more than $4,000 unless the study abroad costs (within reason) exceed the cost of attendance at the student’s home institution, at that point the student can receive up to $4,400.

There were around 1,302,740 recipients for the program in 2010. That year the exact amount available was $958,816,000; this represents the amount of funds awarded to participants in this program. This total can include federal appropriated dollars and institutional matching dollars.

Tips For Finding The Best Online Education Opportunities

Online education is the new way to obtain a degree with convenience. There are a number of wonderful online programs which allow individuals to obtain their education at times which are most convenient to their currently daily schedules. Whether attending full time or holding down a day job and taking classes whenever possible, this online educational avenue is a great thing to pursue. There are a few tips to keep in mind in order to find the best education opportunity possible for those who wish to obtain degrees via the World Wide Web.

Search a Multitude of Options

First and foremost, it is extremely important to look around a bit at different options and not select the first online university which you come across. As with any type of educational institution, some online education providers are better than others. Therefore, shop around a bit with regard to educational possibilities and only select one from the bunch after thoroughly reviewing your options.

Consider The Cost Of The Online Program

It is also important to consider how much the entire online program will cost you. This relates to not only the online class portion but books and any other costs as well. Some online program providers will offer loans for those who need to find a way to pay for their education. Other providers may not offer loans but will accept money obtained via outside lenders. In addition, there may be a way to pay for the online degree in installment payments which will make the overall education much more affordable.

Determine How Many Credits Will Need to Be Obtained to Acquire a Degree

You should also determine how many credits you will need to acquire in order to get your degree in the desired educational subject. Some online schools will offer degrees for fewer credits than others. By choosing a school where less credits are required, you may find that you receive the same type of education for less money. Therefore look into the credit requirements of each online educational provider prior to selecting a specific one.

Look Into How Classroom Sessions Are Administered

One who is searching for an online school should also find out how the virtual classes are administered. Some may find that classes where the students can do the coursework at their leisure may be more suitable to their schedule than ones which require the student to log on at certain times throughout the week to attend classroom sessions. This is an important factor to consider so that you can be certain to get all of your coursework done in a timely and efficient manner.

Inquire About the Reputability of the Online Program

Last but certainly not least, you should inquire about the reputability of a certain program prior to signing up for a specific one as this will often determine whether the program is worth your money or not. As with any educational institution, certain online educational programs will be better than others. Therefore, try doing some research online when it comes to figuring out how good a certain education program is and ask friends and family members with regard to online education recommendations.

Who Benefited From the Elimination of the Federal Family Education Loan Program?

The Federal Family Education Loan Program (FFELP), created in 1946, was eliminated with the passage of the Health Care and Education Reconciliation Act of 2010 and replaced by the Federal Direct Loan Program (FDLP), created in 1993. FDLP was created to compete with FFELP but by 2010, two thirds of student loans were still originated under FFELP. Loan origination (processing the loan application) under the Direct Loan program is performed directly by the Department of Education. Servicing (account billing and payment processing) is done by a select few organizations including Sallie Mae, Nelnet and some State guarantee agencies. Under FFELP, companies that originated loans had the option to service them. The Department of Education defined the terms and conditions; including underwriting criteria, loan amounts, interest rates, origination and guarantee fees, repayment plans and interest rate reductions for features such as automatic payment and on time payments.

The Federal Direct Loan Program uses the US Treasury to finance loans. The Department of Education earns revenue when the cost of the funds charged by the US Treasury is lower than the interest rate charge to the borrower, all other things being equal. FFELP relied on private lenders (both for-profit and non-profit) to finance the loans. Lenders would package their loans and sell them in the auction rate security market and earn fees for servicing them. These securities provided higher returns compared to other investments and were considered less risky because the Federal government in the case of default guaranteed them. In 2008 the auction rate security market evaporated after auctions failed, the securities did not sell for the minimum bid price. The Federal government did provide temporary financing with the stipulation that lenders would have to refinance the borrowed money, or give the loan back to the Department of Education by assigning the loan to one of the FDLP servicer. Lenders with access to capital were able to finance the loans they originated, but lenders without access to capital gave those loans back to the Department of Education.

The provisions in the Health Care and Education Reconciliation Act of 2010 reduced the fees paid for servicing the loans made under the FDLP. To reach the break-even point requires large-scale operations and the provision require servicers to have at least 1 million existing customers. Companies with less than 1 million customers could not increase the number of loans serviced to reduce variable costs and average total costs. Public companies like Sallie Mae and Nelnet have the ability to raise money through bond offerings and have a competitive advantage over private companies that can’t sell bonds. Only companies with these competitive advantages will survive the elimination of the Federal Family Education Loan Program.

Eliminating FFELP and replacing it with FDLP shifted the costs from the Federal Government to the individual borrowers. The Federal government did not use projected savings to lower the cost of the loan to the individual borrowers. Instead it used the projected savings to fund other priorities, such as an increase in the PELL grant program. Lenders under the FFELP program used to pay the 3% origination fee charge by the Department of Education on behalf of the borrower. Under FDLP the borrowers must pay the 3% fee. The repayment terms are more generous, but only if the borrower experiences ‘partial financial hardship’ during the loan term which is defined as a percentage of income available for the repayment and is based on income level and family size. Borrowers under this scenario can limit their repayment amount to 10% of their income. The unpaid loan amount may also be forgiven (left unpaid) after 20 years. The elimination of FFELP changed the opportunity set for borrowers. They can no longer consider having the 3% origination fee paid on their behalf. They now have to consider how their current income affects the amount they have to repay. There will be scenarios where borrowers’ income is just lower enough to qualify for the repayment limitations available under FDLP. They will have to consider the opportunity set when considering incremental increases to their income would cause them to lose their eligibility for these repayment terms.

The elimination of FFELP benefited students that receive PELL grants, and experience ‘partial financial hardship’ for the entire repayment term of their loan. It also benefited the large public companies because they can achieve the scale necessary to cover their operating costs with the lower feeds earned through servicing the loans on behalf of the Department of Education. It did not directly benefit borrowers who rely entirely on student loans to financial their education.

5 Tips to Find Best Online Education Opportunities

Online education provides a new way for students to earn their degree with convenience in term of flexible learning schedule and ability of logging on to the classes from any location. There are many online degree programs offered by universities and colleges provide you with many choices to choose a degree that best meet your requirement. However, there are few tips to keep in mind when you search for the best online education opportunities.

1. Compare Different Options

You need to find the best online education among all the available online degree programs, and you can’t find the best one if you don’t compare. Hence, you should not select the first online degree program that you come across; instead you should shop around and look into various options offered by different online universities. Then, compare and review the same degree programs offered by different online universities before you decide the one that is best for you.

2. Consider the cost of online degree program

How much it will cost you to complete the entire online degree program? Your cost not only related to the online class portion but books and any other costs do need to take into consideration especially if you have tight education budget. Some online universities do provide financial aids in term of loan or scholarship to their students while others may let you pay for online degree by installment which will make the overall education much more affordable.

3. Determine the total credits required in earning the online degree

Most online degree programs are charged by credit hours, the more credit hours means the more money you need to pay for the degree and need more time to complete the entire program. Some schools will let you complete a degree program in less credit than other universities. Therefore, you should look into the total credits of the online degree programs from different schools prior to select a specific one.

4. Look into how the online classes are administered

There are online universities that allow the maximum flexibility in term of learning schedule. These schools let the students to follow their own pace of study at 100% online, while other schools may required the students to logon to the online classes for real time interaction at the specific schedules. Moreover, there are online education programs that required a specific hours of attending physical classes at the campus. You should determine the learning format that can fit your schedule and meet your prefer learning style.

5. Inquire about the reputation of the online university

Last but certainly not least, the good reputation of the university that offers your selected online degree program is important to ensure your degree is worth the money and will be widely accepted in the job market. Therefore, try to do some research online through internet forums or offline by asking friend and family who know about the online degree offered by your selected school to ensure you will choose the best online education.

Summary

Online degree programs provided by different schools may vary in term of quality and cost. You can only find the best online education by comparing various factors. The above tips will give you some guides in selecting the best online education that worth the money you pay for it.

Affiliate Business Opportunity Program – 3 Keys to Creating a Million Dollar Online Business

So do you want to know how to make a million dollars using an affiliate business opportunity program from home? Well this article will review 3 important steps to making that happen.

But before that, you must realize that your success on making money online totally depends on your attitude and work ethic. The process to make online income can be as short or long as you want it to be. Sure, you can take short-cuts in just about everything, but that will only result in short-term success. You want to look at an affiliate business opportunity program with a business approach so you can benefit long-term.

Here are 3 tips to building a million dollar business with an affiliate business opportunity program:

1. Build a list. The best way is to use an email auto-responder to build a list of email subscribers. As you start building your business, it is important to get every new prospect’s information in exchange for a free cheat sheet, e-book, or membership to an affiliate business opportunity program. As time progresses, you’ll be creating a list of thousands of subscribers that you can keep in contact with on a daily basis and who will interested on what you’re promoting or offering.

2. Build a relationship with that list. Since you’re going to be sending emails on a regular basis to your audience, you’re going to need to find a way to make those emails entertaining as well as informative. Give marketing advice, share success stories, or tell any secrets you might know to help increase results. The more educated you become, the more you’ll be able to share with others. You won’t run out of ideas on what to write about if you’re continually trying to personally develop yourself and seeking more education.

3. Monetize the list. You need to now convert that list into money using your affiliate business opportunity program. You need to recommend to them different services, tools, and courses that you have used yourself and find very valuable.

When you promote these things be sure to include your affiliate link and that way you’ll literally be able to generate tens of thousands of dollars at the push of a button as you send out a single email to everyone.

And don’t forget to continue to promote your primary affiliate business opportunity program to your list consistently and you’ll develop a whole new load of new customers.