A crash course on Education grants

What are Education Grants?

Education grants are monetary help from the government to people who are more or else in need of support regarding education. There are various types of education grants all of which has its’ own set of targets. A complete list of this as well as the details may be found in the Catalog of Federal Domestic Assistance. Up to $25,000 to upgrade your skills as an Employee. US Government Grants for USA Citizens

How to apply

Application details are usually included in the description of each grant at the CFDA website, however, in general, an applicant needs first to be eligible for the grant, in order to do that, she must have proof of her eligibility.

In addition, almost all grants require an application process that includes writing a grant proposal to the respective to the grant giver, in this case the U.S. government

What are the Grants?

The CFDA offers list f several grants that are outlined into different subcategories, these are:

* Dental Education And Training

* Education Equipment And Resources

* Educational Facilities

* Elementary And Secondary

* General Research And Evaluation

* Handicapped Education

* Health Education And Training

* Higher Education General

* Indian Education

* Libraries And Technical Information Services

* Medical Education And Training

* Nuclear Education And Training

* Nursing Education

* Resource Development And Support Elementary, Secondary Education

* Resource Development And Support General And Special Interest Organizations

* Resource Development And Support Higher Education

* Resource Development And Support Land And Equipment

* Resource Development And Support School Aid

* Resource Development And Support Sciences

* Resource Development And Support Student Financial Aid

* Resource Development And Support Vocational Education And Handicapped Education

* Teacher Training

If you’ll look at the website, you’ll see that there are a lot of grants to choose from, however, for the general purpose of furthering your education the four sub categories, Elementary and Secondary, Higher Education General, Resource Development and Support Higher Education and Resource Development and Support Student Financial Aid, would probably be the most common sub-categories to choose.



By: Danielle Rivers

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Introduction

The concept of a 21st century education might be an abstract and imaginative idea even today. Even when the wonders of technology and high finance continues to be an untapped resource where one can take advantage, the perception of most people still rely on the thinking process of the last century. As they say, people who are enjoying the trend are the ones who end up being ordinary. Thus the concept of 21st century education tries to change the olden perspective.

Education in the 21st Century

One can ask why wealth-building is a 21st century perspective. In other words, why is there a date to it?

The lingo denotes a lot of things. First, the 21st century represents a trend and a future. This kind of education persists at a time where wealth creation through the latest technology exploits, and finance with ever increasing capital mobility is possible. Thus, this idea will continue to be relevant and critical for people willing to find the best economic standing today. Second, 21st century education denotes a time removed from previous centuries. Therefore, there is a historical hinge to the meaning of 21st century education. The 19th century is a drive toward modernity where one can be successful by a good education and hard work. The 20th century talks about a highly urban lifestyle and the increasing relevance of college education and white collar jobs. The 21st century talks about a different perspective in which anyone who sees the trend can identify with.

Finally, the aim of 21st century education is to ask people why we think the same way for two centuries. It hopes to promote a new way of looking at a healthy financial lifestyle using today’s practices.

Challenging How We Learn

The key to 21st century education is to leave classic education behind or to modify it to be at par with the ever changing times. Unfortunately, the shift of university education to develop people with the skills of today’s demanding job cycles is not catching up. The new education does not only question how we learn but also why we need to study what we study. Does the current educational system adaptive enough to make a student successful ten to twenty years down the line? Are we teaching students about financial responsibility?

Changing Perspective

Knowing that there is a system to teach us how to be successful today is sadly not enough. Since there are no institutions that can put up a 21st century curriculum, we might be hard pressed to equip ourselves with this kind of education. However, if a few very successful people can apply it now, why can’t we?

21st century education talks about catching up with a changed perspective. It all starts with opening our minds and being flexible with all the ideas a 21st century education feeds. There are some ideas that we might not agree on, but then we can contribute to the trend all the same. Learning the ropes of today’s world starts with finding way to think creatively in a very creative world, and getting your ideas out in a world that breathes on global fad.

Wealth creation is a 21st century perspective. It teaches us that wealth creation is not exclusive for the rich. This time, the masses can be empowered to create a healthy financial lifestyle. By applying the principles of 21st century education, we can exploit the market lows, save us from debt, and ensure comfortable lifestyle years after retirement.

A Wise Investment

Acquiring a 21st century education is definitely not a get-rich quick scheme. Instead, it is an investment that should compound over time and give very rewarding returns. A changing mindset is the first step in being ahead of today’s financial curve along with taking the ideas as a serious educational form. Only with this realisation can we appreciate the importance of 21st century education.



By: Steven Miller

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Are you a student with plans of pursuing a masters or undergraduate degree in the United Kingdom or any part of the world in the September admission window? Then perhaps you should pay a visit to the nearest branch of Bank PHB as the bank is  offering an optional route to finance your dream using the Bank PHB UK educational loan.

 

Parents and Guardians facing the strains of the current global financial crunch may find the Bank PHB education finance opportunity quite attractive. The loan provides the opportunity for sponsors or guardians to give their love ones quality education abroad by contributing a fraction of the cost of the programme (20% equity contribution) while Bank PHB provides the balance (80% contribution).

 

The Bank PHB educational loan is offering sponsors, parents or guardians the option of not of sourcing for the total cost of study in the UK. With the UK educational loan, parents can invest the funds that could have been used in educating their child in other productive ventures that will generate more income, while Bank PHB cater for  80 percent of the cost of study.

 

The Bank PHB UK educational loan covers the tuition, accommodation, living expense and return ticket to the UK or any other part of the world.

 

The advantages that come with the Bank PHB educational loan is that it reduces the pressure on the sponsor’s or the guardian’s cash flow as it allows the customer to make repayment conveniently over an agreed period of time.

 

It also gives parents or guardians the opportunity to save for their children’s education in the future, through education target savings account. This account attracts higher interest on deposits than the normal savings account.

 

There are two versions of Bank PHB educational finance facility. There is the Bank PHB educational loan and the Bank PHB UK educational loan.  The PHB|UK Education Loan support postgraduate programmes only, in the UK, while PHB Education loan supports pre-university, undergraduate and postgraduate programmes as well as professional exams anywhere in the world.

 

However both variants of the Bank PHB education loan come with, flexible repayment options, tailored along the sponsor’s income pattern and provide funds to cover tuition, accommodation, and living expenses and return ticket up to a maximum of N5million.

 

The tuition fee and accommodation which is optional will be remitted to the school by the bank, while the living expense will be transferred to the student’s bank account in the country of study.

 

For students taking the Bank PHB UK educational loan option, the  bank will offer a “quick turnaround time, upon submission of all relevant documentation while Bank PHB will also provide  a Letter of Financial Guarantee to support Visa application for those applying for the PHB|UK Education Loan.

 

The Bank PHB Educational finance facility is available in branches of the bank however those desiring to take the loan must open an education target savings account in any branch of Bank PHB and build up or deposit 10 percent of the tuition fee of their proposed course of study.

 

For those who do not have an account with Bank PHB but desire the Bank PHB Educational loan in a hurry, they will have to open a current account, fill the PHB education loan application form and provide 20 percent equity contribution of the loan amount. The loan applicant will also have to provide a sponsor who must have a regular source of income as well as acceptable collateral which may be a fixed deposit, legal mortgage or domiciliation of salary and terminal benefit of the sponsor.

 



By: Anthony Osae-Brown

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