Effective Study Strategies Make The Uphill Climb An Easier Hike

As a student, you know how much of your time is spent studying. No one wants to spend more time than they need to on school work, especially when you are young and trying to enjoy what you feel are the best years of your life. If you could apply effective study strategies, you could reduce the time spent in your books, while raising your grades at the same time.

Unfortunately, most teachers are only trained in imparting the knowledge concerning their own particular field of study, which is fine. Not too many teachers are going to take the time to help individual students develop study skills necessary to absorb the information during hours spent in private study at home. The reason for this is because study skills are a separate subject altogether which can be applied to Math, English, Social Studies, or whatever. So the student’s lack of study skills is not the fault of the teacher, but rather on the system itself which has failed to provide the tools necessary for success.

The schools, teachers, and even parents usually expect the student to simply “do whatever it takes” to pass their courses. This is because if they were to share in the responsibility, they themselves would have to become teachers of how to improve study skills. For teachers, this is not really a part of their job description. It is extra work for them. Likewise, parents have jobs and busy schedules, and most of them have never been properly trained in good study skills themselves either.

What’s Missing From Our Primary Education?

Study Skills and Strategies, Among Many Other Things

Our school systems have failed us in many ways. We should have mandated certain subjects in the lower grades so that our students could excel when they finally arrived to the higher grades. Among some of the “missing” fundamentals in our elementary education are:

  • Personal finance
  • Cooking
  • Personal hygiene
  • Nutrition and health
  • Study skills and strategies
  • Choosing a career
  • Gardening and planting
  • Elementary economic principles

Many of these things are taught in school, but very rarely or never at the elementary level where they would be mandatory rather than elective. So we end up with college graduates who cannot balance a checkbook or cook for themselves when they go out on their own. Most do not even understand the importance of practicing basic health principles which would save them and others from diseases and numerous miseries later in life. These are basic life skills which can be considered elementary “survival skills” in a world where you are expected to fend for yourself.

Effective study skills and strategies are among the most important of these “missing” academia subjects, because they are the hub by which other skills and talents are developed. Like the spokes of a wheel, differing fields of knowledge project in a radial manner from the hub of effective study habits producing a strong and well supported wheel of life skills.

Educational Loans Intended For Students to Realize Dreams of Higher Education

In India there is famous slogan ‘Education for all’ but how to achieve this. In India where the number of people living in rural areas is more than the urban and are poor thus on the first place it is difficult for them to think about going to school and somehow they manage to take up education up to the secondary level, it is impossible for them to take up higher education.

The basic reason behind this is lack of money. The fees associated with the professional courses are so high and other expenses related to these courses also cost more therefore it makes difficult for a poor and middle class students to pursue for these courses. In current scenario it has become difficult to live a smooth life with limited income and cost of education is also high.

Every parent wants to give best education to his/her child so that they can fulfill their dreams and live prosperous life. To overcome this problem in India banks offer education loan for students. Earlier education loan was given for pursuing professional courses but now the policy has been changed. The loan can be taken for the primary level education also especially given for girl child for the development of the girls.

Education loan covers the complete expenditure of a course such as tuition fees, cost of study material, hostel fees, for buying equipments related to the course, etc. This personal loan has proved to be a great help for the aspiring students who have the aptitude but due to lack of money cannot think of taking up higher studies. Therefore this personal loan has to much extent has helped to come over the financial problem of many students and move further to achieve their goals.

Banks give education loan for pursuing higher education and professional courses within India and abroad. The terms and conditions, loan amount and the tenure vary in both the cases. Students who have secured admission in the colleges and professional institutes are eligible to take loan. Banks charge different interest rates for different loan amount.

The repayment of the loan commences one year after completion of course or 6 months after securing job, whichever is earlier. Earlier the students who took loan for professional courses in which high cost is involved, bank used to take collateral from the students but now government has removed the collateral security on the 4lac amount. Loan above the 4lac amount will carry collateral condition. However the repayment tenure for students taking higher education within India and abroad is different. Generally this loan comes with an option of equal monthly installments.

Moreover there is personal loan which parents can take for the higher education of their children. The interest rate on this loan is more or so similar with flexible terms and conditions.

Cheap Education Loans – Access Low Rate Finance For Higher Studies

If you want to pursue higher studies, then you will certainly know that education does not come cheap. If your financial back ground is not that strong and stable, you will surely face a lot of difficulty while pursuing higher studies. Instead of ruing over your financial situation, it would be preferable to look for other alternatives. It is not that you cannot overcome the financial crunch and to help you out, the financial market has come up with the provision of cheap education loans. These loans are crafted to provide monetary assistance to those who are from the weaker sections and cannot afford to bear the expenses on further studies.

These loans are very much designed to suit your prevailing circumstances. The terms and conditions are flexible. With the aid of the loans, you can take care of expenses related to paying admission fees, college examination fees, hostel dues, purchasing books, computer, food along with your personal expenses. The expenses the entire fee for the course duration.

There are various sources from where you can source these loans. If you really want to derive these loans at cheap rates, then you can consider availing the loans from government. The federal loans are offered to you in the form of Stafford and Perkins loans. As these loans are mainly offered by the federal government, the interest rates charged are nominal and affordable. These loans are further also offered to parents or guardians on behalf of the students. Further, a student with a history of bad credit can also reap the benefits of these loans.

The loans from government agencies are meant for those who are financially weak and unstable. For those who do not get the chance of deriving the federal loans, they can avail the same loans from private lenders these loans are further made available to you in secured and unsecured form. This classification helps you to borrow the amount as per your need and requirement.

Once you have completed the studies, you do not have to start making repayments. In fact only after getting a descent job with a suitable income, you have to start making the payments.

Cheap education loans pave the way for you to derive finance at low rates, so as to tackle all the expenses pertaining to your education.

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