May 13

Clep Testing Has Proven To Be Beneficial For Busy College Students Taking On Multiple Responsibiliti

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Gone are the days were traditional college students are focused only on their education. College students are now forced to take on many more responsibilities, CLEP testing has proved a very useful tool. These additional responsibilities include family, community/religious involvement, work (both full-time and part-time), and multiple extra-curricular activities. CLEP tests have made time management much easier for these time-stretched students. CLEP exams also allow students to lighten their overall coursework, bypass general requirements, save thousands of dollars, and take home a degree much sooner.

One way that CLEP tests are utilized by students are to bypass introductory coursework to gain access to more interesting, advanced classes. CLEP exams are also used to bypass sitting through generic requirements that lie outside a students major. For example, an economics student can pass an American Government CLEP test to bypass their political science requirement. CLEP tests are also used by students nearing graduation to gain credit for introductory classes outside their major in order to reduce their last years course load so that they have more time to focus on graduation, internships, and beginning their post-graduate career.

The standard CLEP test takes only 90 minutes and will cover the information that would be covered in the first two years (introductory years) of college and are only $70. The College Board, who is the governing body of CLEP tests, currently have 34 unique CLEP exams which cover a wide range of topics. As they have continued to expand, CLEP testing centers are offered within driving distance of any college student. In fact, CLEP testing centers are even available on some military bases. Additionally, almost 3,000 colleges and universities accept CLEP scores as a replacement for traditional college classes.

CLEP tests are especially useful for adults who are getting their college education and already have the required knowledge from their work experience. CLEP exams are also widely utilized by students from other countries to gain foreign language credits.

In order to prepare for CLEP tests, students have many options including: comprehensive CLEP study guides, CLEP study software, and even CLEP online study services. There are even CD’s, DVD’s, and textbooks dedicated to helping a student to excel in their CLEP exams.

Before any student actually takes a CLEP test, it is important to have a conversation with their advisor. Many universities and colleges have different rules about course each CLEP test can replace as well as what CLEP tests are accepted, if any, by the institution. Academic advisors also will be able to assist the student with which CLEP study materials will be most effective for each student.

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May 12

Grants And Scholarship For Students In Geosciences

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Nowadays there are many geology scholarships and grants available. Students who intend to start a career in one of the geological sciences qualify. Grants, available to undergraduate and graduate students, include research, field camp and general tuition. many associations, foundations, and organizations across the USA award scholarships and grants specific to geology majors.

The Indiana Oil and Gas Association (INOGA) awards 1 scholarship in the amount of $1,000 to an incoming student who wish to major in geology, or a currently enrolled student switching to a geology major. Students must be enrolled at the University of Southern Indiana to apply.

The Rocky Mountain Coal Mining Institute offers scholarships to full-time junior and senior students pursuing a career in engineering or mining-related industries. The institute selects one student from each of the RMCMI states: Arizona, Colorado, New Mexico, Texas, North Dakota, Montana, Utah and Wyoming. There are 2 types of scholarships:
1. The engineering/geology scholarships are for $2,500 and renewable for up to 2 years;
2. The technical scholarship is a $1,000 one-time present for students who wish to apply their education in the coal industry.
every scholarship program contains 8 awards.

The University of Southern Indiana awards 8 scholarships to students demonstrating high levels of academic excellence. Applications, open to high school students applying to college for the first time, geology majors and earth-science teaching majors are reviewed by faculty.

Five scholarships, given in honor of Walter F. Sill, award to students showing academic achievements in geology, to a student showing promise who wants to study geology and to a student attending geology field camp.

The National Association of Geoscience Teachers offers $500 scholarships to students for field study. Moreover, NAGT offers $750 grants to two-year college faculty members and secondary school teachers to attend scientific meetings, buy classroom materials and take workshops.

Eastern Washington University offers 4 geology scholarships through the Department of Geology:
1. The Weissenborn Geology Scholarship is offered to senior level students majoring in geology.
2. The Rennebohm Geology Scholarship and the Felix E. Mutschler Memorial Scholarship are offered to lower classmen majoring in geology.

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May 11

Burger King Scholarship Is Available Now For Students

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You probably know that their many scholarships available which are unclaimed and amount to thousands of dollars. These unclaimed and weird scholarships do to not have much competition. One example of such scholarship is the Burger king Scholarship.

Even though, it may sound a little weird, but there hundreds of various types of scholarships exist which can fund your educational expenses. The Burger king Scholarship provides giant amount of money to numerous students every year.

People know the Burger king Scholarship as BK scholarship. Before you apply for this scholarship you should know the eligibilities and the requirements of this scholarship.

Burger king is a very famous joint in the North America that provides French fries, burgers and shakes. Students do not know much about the scholarship programs. Every year 700 students get a scholarship grant of $1000 each in this scholarship. The students can be from anywhere in the US or from any of the countries in the continents of North America or from any accredited home schools of these regions.

This scholarships which have been helping many students every year have been started mostly due to James McLemore, the cofounder of Burger King Restaurants.

By 2007, students have been granted $10 million all the way through this scholarship program. The eligibility criteria for the scholarship is not very strict-you ought have work experience of 15 hours weekly part-time and should have a GPA of 2.5.

You can apply through a simple application process-filling in the profile form for registration online. The Burger King Scholarship program administration website contains other necessary information. This website will help you with the information related to submission deadline and the pros and cons of the scholarship.

The website of the company will also offer it the needed information on the winners database. This scholarship looks at the extracurricular activities you are involved in, your leadership skills and your academic record. The work experience plays a very significant role in getting this scholarship.

The company plans to provide 10,000 scholarships by the end of 2010. So, earning this scholarship becomes a very achievable task for students who want a better tomorrow.

So don’t wait for anything, simply grab this golden chance from the Burger King and catch your college education free

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May 9

A Guide To The Fire Inspector Courses

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Fire inspector courses are study programs which help to train students for fire safety and fire prevention techniques. Along with that it also gives fire investigators information regarding forest fire and other accidental fires. For students, who are interested in becoming fire inspectors, there are various degrees and certifications available that provide the right knowledge and training for becoming a certified inspector.

As fire inspection has direct effects on the safety of the building and the people, a trainee fire inspector generally requires passing certified tests before being allowed to inspect any property for fire damage. The courses of fire inspection are in the form of degrees or certificates that teach students the basics inspection. The students are taught how to inspect various different types of buildings and predict the areas of fire risks. Fire codes and adhering to the standards are imperative for the safety of the building and students during their studies get completely familiarized with the codes and standards.

Most commonly, the inspector courses last for about a year or two. In the first stage, the students are offered certificates which eventually lead to a comprehensive inspection certificate that must be endorsed by the local government or administration before an inspector is allowed to become an official inspector. Students, who are interested in joining, must have some sort of former prerequisite education, but for a bare minimum, a high school diploma is required.

If we take a look at the curriculum of various courses, we would find that the courses are pretty advanced and teach the students a whole host of fire related techniques. Some of the courses include a history of fire which includes fire science, fire prevention and the technologies used. Other courses include suppression techniques, building and protection coding, research on fire and arsons.

Having a career in fire inspection entails pretty good career growth opportunities. The employment outlook for these courses is expected to grow even further as this field will get more attention from the state and other federal governments. The recognition of inspectors can be estimated by their median salary which is around $50k per year. Job prospects are good for those inspectors who have good experience with suppression techniques and other scientific methods of fire removal.

For students, there are various study avenues regarding fire inspector education. Some of the federal and governmental organizations provide paid and free courses for prospective students. For long term degrees, there are various universities that have associate and bachelors degrees related to fire safety education. The best bet for these students is to get as much practical knowledge as possible and get the best hands on training as possible. Students are required to undergo a lot of practical training before they are allowed in an actual scenario. The fire inspection field is pretty unique as it not only offers professional training but offers a chance to make a difference in the society as well.

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May 9

How to save money on Student Health Insurance

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The health care costs have continued to rise with every succeeding year and this is quite common to the industry itself. Given the scenario the student health insurances are no difference. A lot of the college students tend to nurture the common idea that they dont really need to have a health care insurance as there is nothing to worry about their health.

They have this confidence as they are young and are in one of the best physical conditions. But what they often dont realize is that ignoring the health and health needs will actually invite serious health problems down the road. In such situations, saving money for student health insurance make certain that all the young adults get absolute care and can at the same time take necessary preventive steps to continue with a good health as they become adults.

Significance of Student Health Insurance Plans

Young students are a lot less likely to care for their health as they are enjoying the best physical conditions ever. Often the various health practices that they indulge in and the amount of exercise that they do ensure that they are in perfect shape. However a careless lifestyle and absence of any sort of preventive measures often lead them to the path of future medical complications. It is quite an unfortunate fact that young healthy adults are often diagnosed with cancer or other major kinds of health complications that put their entire life and future at stake.

But once Student Health Care insurance is bought, it means that these young adults are forced to get into the habit of going for regular check ups to medical professionals, which work as an effective and preventative health care measure. Often these check ups also come in handy in the sense that a lot of the potential health problems are diagnosed at a very early stage itself and can be stopped before they take the shape of a major complication. Moreover, taking good care of the health as a college student also in a way becomes a preventive measure that saves upon the lot of the future expenses related with major health problems that might occur.

How does the Student Health Center help?

A Student Health Center is a special medically equipped division run by most colleges and universities and is situated on the campus or the premise of the institution itself. These are efficient clinics that provide a host of foundational medical services that are commonly found at the medical check up clinics in general. These clinics offer regular check up for,

Injuries Sickness Birth control Vaccinations Disease testing

Most of the colleges charge a particular fee that is invested for the maintenance of these centers. On paying the fee every student gains the access to use the facilities of the student health center for all kinds of medical needs.

In fact the student health center at colleges is one of the most convenient ways in which the costs on health care insurance can be minimized.

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May 8

Interested Students Picking Kurukshetra University Distance Education For Better Academic Career

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On this cut throat competitive age; every likeminded individual cares a lot to uplift his or her academic career by undertaking any demanding course program in those prestigious colleges and institutes that can honestly help them an edge to stand tall before seeking any dream job what so ever. This is one such delicate yet burning facet that is well understood buy the administrative as well as teaching department of Kurukshetra University Distance Education for producing excellent learning platform for their students and working professionals. The foundation stone of Directorate of Distance Education, Kurukshetra University was laid in the year 1976 where just four hundred students were be enrolled for the courses that are offered in the mentioned prestigious institute. But on this date there are more than thirty nine thousand students interested to either pursue a Bachelors degree or go for post graduation in their favorite subjects.

Kurukshetra University Distance Education is a name that got honest appreciation as well as recognition for producing best graduates and Master degree holders after pursuing B.A (Bachelor in Arts), Master of Business Administration (Hospitality Management), B.Com (Bachelor in Commerce), Master of Business Administration (MBA), B.Ed (Bachelor in Education), Master of Computer Applications (MCA) and Bachelor of Computer Applications (BCA) quite comprehensibly. BBA, MCA, BCA, MIFA and MBA are those demanding courses that students as well as working individuals can easily undertake in ICFAI Distance Educationby successfully enrolling their names. The ICFAI University is situated in Tripura. Affiliated to All India Council for Technical Education (AICTE); the ICFAI Distance Education has a reputation for offering the most prolific atmosphere of learning not just in the country but also globally.

There is also another prestigious name entitled as Annamalai University Distance Education where students and even working individuals have shown their utmost whims and desires to undertake their dream courses. M.Sc. (Information Technology), M.Sc. (Software Engineering), M.Sc. (Electronics & Communication), M.Sc. (Zoology), B.A. Social Welfare Administration, Master of Business Administration (MBA), B.B.A. Aviation, Tourism and Hospitality Management, Master of Health & Social Science (M.H.S.S), B.B.A. Marketing and Human Resources Management, Master of Library & Information Science, B.B.A. Retail Management, Master of Rural Management (MRM), B.Com Marketing Management, Master Of Social Work, Part time Diploma in Consumer Protection, Bachelor of Library & Information Science, Part time Diploma in Journalism, Certificate Program In Music (Evening), Part time Advance Diploma For Proficiency in French, M Com (Accounting & Finance), Part Time Certificate Program in Reprography & Non Book Material, M Com (Accounting & Taxation), Part time Post Graduate Diploma in Adult & Continuing Education, Post Graduate Diploma in Demography & Social Econometrics, M.A. English, Post Graduate Diploma in Demography & Social Health, M.A. English Literature & American Studies, etc are some of the courses that any likeminded individual can pursue in Annamalai University Distance Education after seeking an admission.

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May 7

Highlighting Allen University

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Allen University, located in Columbia, South Carolina, is a small historically black institution. It was founded in 1870 by former slaves as Payne Institution in Cokesbury, South Carolina. The school had the dual mission of providing educational opportunities for African Americans and training clergy for the African Methodist Episcopal (AME) Church. In 1880 the school moved to a more central location in Columbia and was renamed Allen University in honor of the Reverend Richard Allen, founder and first bishop of the AME Church.

The university is a private, Christian liberal arts institution. Allen University is coeducational, with an enrollment of less than 900 students. The institution has a rather unusual history. Initially the school educated students of all age levels. Young students entered in its grammar school, continued their studies through high school, and then pursued a college degree. The grammar school was discontinued in the 1920s, and the last high school class graduated in 1933. Since that time Allen University has enrolled only college students.

Students at Allen University may pursue eight academic majors. There are 21 areas of concentration available to students including business administration, accounting, finance, English, music, social science, human services, mathematics, biology, chemistry, pre-pharmacy, computer science, pre-engineering, and religious studies. The university confers Bachelor of Arts and Bachelor of Science degrees.

Allen University offers on campus housing, and there are numerous opportunities for students to engage in campus life. Two new residence halls opened in 2009. More than 30 organizations are available to students including civic, religious, and social groups. Students may choose from honor societies, fraternities, sororities, leadership organizations, and special interest clubs. Varsity sports offered at Allen University include mens basketball, womens basketball, and womens volleyball. The university is a member of the National Athletic Intercollegiate Association (NAIA). Students may also participate in intramural sports including flag football, basketball, and volleyball.
Allen University has an urban campus, with buildings that comprise the Allen University Historic District. The most recognizable building on campus is the Chappelle Administration Building, a brick structure completed in 1925. It is listed on the National Register of Historic Places. Arnett Hall was built in 1881, and Levi J. Coppin Hall dates to 1906.

The university is located at 1530 Hardin Street in Columbia. Allen University offers guided tours by appointment Monday-Friday from 8am-5pm. The schools location is convenient to many of the points of interest and activities that South Carolinas capital has to offer.

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May 5

Seeking Occupational Safety Try OSHA Training Courses

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Nowadays, occupational safety has become the need of the hour. That is why, these days Occupational Safety and Health Administration (OSHA) has initiated an educational session which is known as OSHA training. Factually, this educational session is provided to the learners with an intention to offer security and safety to workers in their field area. It makes sure that the learners will understand certain scenarios for workplace safety of the learners as well as his/her co-workers.

A number of organizations follow this rule of having OSHA training online to make sure that each of their employees is aware and know exactly how to deal with a certain situation, especially during emergency.

Learning through web-based means is believed to be cost-effective and time-effective. While attending web-based 10 hr OSHA training session, the learners can clear all of their doubts to ask which they might have felt shy of in a classroom setting. This educational session enables an individual’s brain to work properly whenever there is a situation of organizational hazard. However, it is difficult to understand the situation and act upon it in a very short span of time, but, one needs to be aware and beware. Factually, the web-based courses are available at nominal costs, mostly are free of cost. One thing you have to do is search for the perfect website which is capable enough of providing the learner with the most appropriate knowledge.

Many of the web-based 30 hr OSHA training is done to understand how the safety devices work. For example, the educational session must tell the learners how does fire extinguishers and other similar safety devices are used in the most efficient manner. This means that such an educational session will be considered effective only when each and every learner know how these tools work.

However, before attending any web-based training session, it is essential to know how good and efficient the training provider is. To do this, you can check the testimonials written by the previous users. Also, you can go through the past comments through which you can get an idea about the performance of the training provider.

In conclusion, we can say that the web-based educational sessions for occupational safety can ensure that you are completely armored to deal with any type of adverse situation. To learn something is a good thing but should take place in the right place with right equipments.

To learn more about 10 hr OSHA training, feel free to visit: Medical Oversight.

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May 4

Solutions Manual-Helping Students Understand Their Different Subject Related Queries

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You can find solutions manual of the math, physics, science and engineering textbooks of most popular college online. It is totally free. On internet step by step interactive solution manual is available. If you have any queries beyond your textbook, there is a Q&A board to ask any question from calculus to Shakespeare. If you need any explanation on a problem in your textbook, Q&A board is is there to help you.

It is very necessary of keeping Q&A board on the internet so students faced any problem regarding their textbook they can place their query before the board. The board can help them in clarifying their problem. In fact it is a true matter that students of the most popular college have their different queries from the text book of physics, math, chemistry, biology or literature etc.

This solution manual displays the latest Mathematical Methods for Physics and Engineering, and much-admired. There are complete worked solutions of main textbook exercises which is only provided with hints and answers. Sometimes solution manual gives the answers to the odd numbered exercises of the text book. The student will find the solutions which is given here and an helpful check on answers and procedures.

solutions manual are the way of meeting the query of the students of popular colleges regarding their text books. It can be of mathematics, physics, chemistry, biology, engineering, Shakespeare, literature, commerce, management etc. It is a great pleasure for the students to get such a benefit online. Because the answers of the questions of each and every exercise will be unique in nature and no chance of difference will be there. For instance different teacher can train their student differently for the same question but when it is obtained from internet the answer will be same and unique.

About The Author

Christopher Ameji has been associated with providing the content on different kinds of solutions manuals for all the US & international textbooks. The author is primarily dedicated to providing the sources that help the students get the answers to their both even & odd problems given in their textbooks.solutions manual

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May 3

The University Of Southamptons Global Enterprise And Entrepreneurship Masters Degree

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The University of Southamptons Global Enterprise and Entrepreneurship masters degree is led by Dr. Franz Huber who is a Lecturer in Strategy and Innovation.

Before becoming course leader on the University of Southamptons Global Enterprise and Entrepreneurship masters degree he was an ESRC funded Research Fellow at the Open University Business School.

He completed his PhD in economic geography at the University of Cambridge as a Gates Scholar. Before that he was a visiting graduate student at Duke University, and he received an MSc in geography and an MA in sociology from the University of Salzburg.

Franz is currently working on green’ innovation. He is completing his work on an ESRC funded project, which investigates knowledge linkages between UK motorsport and cleantech.

The aim is to get a better understanding of the enablers of, and barriers to, successful knowledge transactions and to explore implications for sustainability transitions and innovation policy.

His PhD project critically investigated the role of personal networks for knowledge flows in innovative clusters. This led him to conduct a detailed survey and also interviews with R&D workers in the Cambridge IT Cluster.

Although the Global Enterprise and Entrepreneurship masters degree leadership role takes up much of his time, Franz is also active in two research groups: the Strategy research group and the Entrepreneurship research group.

Franzs Global Enterprise and Entrepreneurship masters degree was praised by former student Sawanet Vongpan on the University of Southampton Management Schools website.

Sawanet said: The Global Enterprise and Entrepreneurship masters programme provides an excellent combination of learning about the key management theories for enterprise and entrepreneurship, alongside understanding the current business world.

In addition, I have a chance to work with individuals from all over the world. Southampton is the place I was searching for. I could not ask for more! She added.
Southampton Management School has an excellent international reputation for the analytical study of management and business. Studying an MSc Management masters degree, or other postgraduate option, will introduce you to new concepts and knowledge, which can make all the difference in the job market.
All our degrees are taught by research-active academics who are also directly tackling business challenges outside the seminar room and put theory into practice every day.
The Global Enterprise and Entrepreneurship MSc programme (previously known as MSc Strategic Entrepreneurship) is designed specifically to respond to those interested in enterprise and entrepreneurship from a global perspective.

Find out more about the Global Enterprise and Entrepreneurship masters degree by visiting www.southampton.ac.uk/management

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May 1

Solution Manual helps students

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solution manual is easy for the students because they are able to get the answers of their queries from the experts. They are now getting the benefit of solution manual online. Solution manual is a place where students can get all the answers of the questions which are there in the textbook of higher classes. Students are helpful from the solution manual because they are getting help from the solution manual for preparing themselves for the exam.

Solution manual is useful for the self learning and self preparation strategy. Students can prepare themselves in their home without going outside for the tuition. They can save a lot of time for preparing them for the exam. Solution manual is helpful for them to prepare on their own. This makes them self dependant for preparing themselves.

Solution Manual is the large and free database of question and answers on the internet. It is provide for the benefit of the students. You can be benefited because solution manual is absolutely free. Some cramster and other sources are charging a lot for the materials that is you need for your study but it should be free. So you can say goodbye to the other sources and the cramster. Solution manual is there for the students so they can get the free service and avoid the paid service which is very much expensive and not a convenient way for the poor students.

solution manual is useful for the students who want to be prepared for the exam and like self learning through the interactive process which is available on the solution manual. It is absolutely free on the internet. It is convenient for the students who seek the online help for preparing them for the exam. It is the unique guide of the various questions and answers of the students. The answers of the exercise of all the text books of the higher studies are there in the solution manual. Students can get help from the solution manual online for their preparation.

About The Author

Christopher Ameji has been associated with providing the content on different kinds of solutions manuals for all the US & international textbooks. The author is primarily dedicated to providing the sources that help the students get the answers to their both even & odd problems given in their textbooks.To visit for solution manual

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May 1

Bob Jones University Museum And Gallery

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Bob Jones University is a private, Christian liberal arts institution in Greenville, South Carolina. The university owns a collection of western religious art that is showcased in its museum and gallery. The art reflects universal and spiritual truths that are Biblically based. The museum and gallery has two locations in town. The main site is on the university campus, located at 1700 Wade Hampton Blvd. Hours are Tuesday-Sunday from 2-5pm, and parking is free. A satellite facility is located at Heritage Green, on Buncombe St. in downtown Greenville. Hours are Tuesday-Saturday from 10am-5pm and Sunday from 2-5pm. Parking is available in the garage behind Hughes Library.

The collection of sacred art was begun in the late 1940s by Dr. Robert R. Jones, Jr. The primary focus of the collection is European Old Masters paintings. The works are arranged into galleries which span the 14th through the 19th centuries. The Italian Baroque Renaissance Gallery includes works by Botticelli, Granacci, Tintoretto, and Veronese. The Italian Gothic Gallery features religious paintings dating to the 15th century. The Northern Renaissance Gallery has works by Dutch, Belgian, and German artists including Peter Paul Reubens and Van Dyke. Other galleries include the French Baroque Gallery, the 16th and 17th Century Spanish Gallery, and the smaller 18th and 19th Century Gallery.

The museum has three other noteworthy collections to see. The Russian Icon Collection includes five icons that once belonged to the Romanoff family, the last of the Russian Tsars. The Bowen Collection of Antiquities has artifacts dating from Biblical times. There are items from other civilizations that influenced the Holy Land, including almost 200 articles from ancient Egypt, Greece, Rome, and Syria. There is a Jewish Torah from the 15th century. War Memorial Chapel at Bob Jones University has seven large paintings from the Benjamin West series, The Progress of Revealed Religion. These paintings were originally commissioned for King George III of England for a private chapel.

The satellite facility at Heritage Green rotates special exhibits from the Bob Jones University art collection as well as exhibits on loan from other museums and private collections. The 2nd floor features interactive learning centers that are child friendly. There are scavenger hunts designed for children ages 5-12 that take approximately 30-45 minutes to complete. The hunts will acquaint children with the collection in an entertaining way. Scavenger hunts for older children and adults will help them identify many signs and symbols used in religious artwork.

The current special exhibition at the Heritage Green facility is Rublev to Faberge: The Journey of Russian Art and Culture to America. Visitors will be introduced to Russias cultural heritage, discover the history of icons, and view Faberges beautiful workmanship. Admission to Bob Jones University Museum and Gallery is $5 for adults, $4 for seniors, and $3 for students. Children ages 12 and under are admitted free.

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April 29

Cant Repay Your Student Loans 5 Ways to Get Help.

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For college students, November and December are filled with research projects and final exams. For recent graduates, however, these months can be exceptionally stressful, especially if a post-graduation dream job hasnt materialized on schedule. For graduates who left school with debt from student loans, November and December can be a month of reckoning.

Government-issued federal student loans and many non-federal private student loans grant students a six-month grace period after they leave school before they need to begin making loan payments. For students who graduated in May and June, then, those college loans come up for repayment in November and December.

And if youre a graduate whos caught up in the current recession and the highest unemployment rate on record for new college graduates, you may be getting your first student loan bill having no idea how youre going to make the payment.

Just ignoring those student loan bills isnt going to help. Defaulting on a federal student loan is no light matter. The government can step in and garnish your wages, once you get a job, or seize any income tax refunds you may have coming to you in order to put money toward your student loan debt.

Both federal and private student loans are nearly impossible to discharge in bankruptcy, so your student loan lenders can keep coming after you for payment, even if a judge declares you bankrupt and wipes out your other debts.

All your student loan accounts appear on your credit report, so your credit rating is also at risk. Repeated late and missed payments on your student loans will drop your credit score, will linger on your credit history for years, and can have a lasting impact on your ability later on to qualify for anything that requires a credit check. You may not be able to get a credit card, take out a car loan or home loan, rent an apartment, or even get a job — more and more employers are conducting credit checks on job candidates as a measure of your responsibility and maturity.

Clearly, keeping your student loans current needs to be a priority, for the sake of your credit and the health of your financial future. Whether youre a newly minted college graduate or a longtime borrower whos now having some financial troubles, if youre facing student loan payments that you cant afford, here are five ways to get help now.

1. Contact your student loan lenders. Whether youre approaching the end of your grace period or youre already in repayment, if you know that you dont have the ability to make the payments on your student loans, contact your lenders immediately, explain your situation, and see what they can do to help.

For your federal student loans, the U.S. Department of Education can grant you additional periods of deferment or forbearance if youre facing financial hardship. With a government-approved deferment or forbearance, your student loan payments are postponed, with no adverse effect on your credit.

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April 29

More from the Sister Study

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In the March 17, 2009 issue of Life Extension Update, we reported the finding from the Sister Study, a cohort of healthy sisters of breast cancer patients, of a beneficial association between multivitamin use and telomere length, a biomarker of aging. Telomeres, which are repeating DNA sequences that cap the ends of chromosomes, shorten with increased cellular aging.

In articles published in the February and March, 2009 issues of the journal Cancer Epidemiology Biomarkers and Prevention, further findings from the Sister Study concerning the impact of lifestyle on telomere length were revealed.

In the February, 2009 issue, Christine Parks, PhD, of the National Institute of Environmental Health Sciences of the National Institutes of Health (NIH) and her associates evaluated the effect of stress on telomere length in 647 Sister Study participants. Telomere length in DNA from blood samples was measured, and stress hormone levels in urine were assessed. Questionnaires completed by the subjects provided information on perceived stress levels.

Study participants, on average, reported low stress levels. “Even so, women who reported above-average stress had somewhat shorter telomeres, but the difference in telomere length was most striking when we looked at the relationship between perceived stress and telomere length among women with the highest levels of stress hormones,” Dr Parks observed. “Among women with both higher perceived stress and elevated levels of the stress hormone epinephrine, the difference in telomere length was equivalent to or greater than the effects of being obese, smoking or 10 years of aging.”

In the report that appeared in the March, 2009 issue of the journal, the effect of past and current body mass index (BMI) on telomere length was examined. Sister Study participants whose BMI categorized them as overweight or obese before or during their thirties and whose weight status was maintained were found to have shorter telomeres compared to subjects who became overweight at an older age. “This suggests that duration of obesity may be more important than weight change per se, although other measures of overweight and obesity were also important,” stated lead author Sangmi Kim, PhD, also of the National Institute of Environmental Health Sciences. “Our results support the hypothesis that obesity accelerates the aging process”.

“We anticipate a wealth of information to come out of the Sister Study,” predicted Dale Sandler, PhD, chief of the Epidemiology Branch at the National Institute of Environmental Health Sciences and principal investigator of the Sister Study. “Not only do we hope to find out more about the environmental and genetic factors that might lead to breast cancer, we also want to learn more about how factors such as stress, diet and exercise might impact cancer and other disease risks.”

“Together these two studies reinforce the need to start a healthy lifestyle early and maintain it,” National Institute of Environmental Health Sciences director Linda Birnbaum, PhD, concluded. “These papers remind us that there are things people can do to modify their behavior and live healthier lives, such as maintain a healthy weight and cultivate healthy responses to stress.”

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April 29

Choosing A Spiritual Teacher

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Many people wish to be enlightened or find happiness in life. There are thousands of self-help books, thousands of self-help workshops and even more philosophies and teachings promising to make people happy or enlightened. It is possible to become enlightened and happy by studying all of these resources. It is far easier to become happy and enlightened with a teacher.

A spiritual teacher is a person (living or dead) who guides us through the “mindfields” of life. By passing on truth and wisdom, spiritual teachers can help people see where they are, point out where they are stuck and give guidance on how to live a worthy and value filled life. Teachers can do this by showing us how to be or by showing us how not to be. Everyone that we encounter in life is a teacher on some level. Choosing to study life with a teacher is a meritorious endeavor that can greatly speed our journey to happiness and enlightenment.

Choosing a spiritual teacher can be a challenge. Ideally, a teacher would embody those qualities that we wish for ourselves. While there are no “bad” teachers, there are teachers who have the qualities of honesty, integrity, character, joy and charity that we seek. We should beware teachers who are only seeking material wealth without sharing their abundance with those with greater needs.

It is best to choose a teacher and to focus on that teacher. Spiritual “grazing” will not help us find enlightenment or happiness. Many people go from teacher to teacher seeking spiritual “highs” with each new teacher and avoiding any real progress through application of the teachers teachings. Dig deeply and find water, dive deeply and find pearls. If you find that you no longer resonate with a teacher, simply leave without criticism or animosity.

Your teacher should be a role model for you. Sharing knowledge and information is important, but the most value of a teacher is the example that they set for their students. Teachers who challenge their students oftentimes are surrounded by controversy. Seek the truth and make up your own mind whether a teacher is appropriate. Do not be afraid of controversy, and separate fact from fiction.

Teachers are guides who lead us through the quicksand and treacherous situations in life. They can see further ahead than we can, and have experiences that can help us experience ours. They light our way and shine brightly for us to follow.

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