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Student Loans Could Be Forgiven After 10 Years

Loans Could Be Forgiven After 10 Years of Public Service

The government hopes a new loan forgiveness program will give students an incentive to consider a career in public service. In exchange for 10 years on the job in a field of public service such as public safety, education, or social work, the Department of Education will erase certain borrowers’ remaining federal student loan debt.To be eligible for this initiative — the Loan Forgiveness for Public-Service Employees Program — you must have either taken out or consolidated your federal student loans through the federal Direct Loan Program, in which you receive your student loan directly from the government rather than through a third-party lender.

Breaking It Down: How the Loan Forgiveness Program Works

The loan forgiveness benefit is available for any federal consolidation loan or any federal parent or student loans you’ve taken out through the Department of Education’s Direct Loan Program. If you took out your federal college loans from a private lender through the Federal Family Education Loan Program (rather than directly from the government through the Direct Loan Program), you’ll have to consolidate your FFELP student loans into the Direct Loan Program in order for those student loans to be eligible to be forgiven.
In addition to holding a federal Direct loan, you’ll also have to meet certain borrower requirements in order to qualify for the loan forgiveness program:
Spend a decade in a public service career. You must remain in a qualifying public-service career, working full-time, for 10 years, during which you must be making payments on the student loans you’re looking to have forgiven. You must still be working in the public-service sector at the time your student loans are forgiven.
Hit the 120 mark. During your 10 years of full-time public service, you must make 120 monthly payments on the Direct college loans you want forgiven. Only payments made after Oct. 1, 2007, will count toward the payment requirement. If you have FFELP loans (college loans that you took out from a private lender and not from the federal government) that you’re consolidating into the Direct Loan Program, you’ll only be able to count the payments you make on your Direct Consolidation Loan after your FFELP student loans are consolidated. Any payments you’ve made prior to Oct. 1, 2007, or to any lender other than the federal government won’t count.
Sign up for a qualifying repayment plan. Your required 120 payments must be made under one (or a combination) of three repayment plans: standard repayment, income-contingent repayment, or income-based repayment, which becomes available July 1, 2009. If you’re enrolled in a different Direct Loan repayment plan, only those payments you make that are at least equal to the monthly payment amount you’d be required to make under the standard repayment plan will count toward your 120-payment requirement.

The Fine Print: How You End Up Paying Off Your Student Loans Yourself

If you’re considering applying for the loan forgiveness benefit, you may want to look into your eligibility for the income-contingent and income-based repayment plans, which allow low-income borrowers to qualify for lower payments and extend their repayment period to 25 years. Only borrowers who are making reduced monthly payments on an income-contingent or income-based repayment plan will likely have a remaining balance left to forgive after making 120 payments on their student loans.
If you’re in the standard repayment plan, which has a repayment term of 10 years, you may find that you don’t have any student loan debt left to forgive after meeting your 120-payment requirement, since your 10-year repayment term is the same amount of time that the government requires you to hold your public-service job before any of your student loans can be forgiven.

What Qualifies as Public Service?

Public-service fields eligible for the loan forgiveness program include:

• Military
• Emergency management
• Fire departments
• Law enforcement
• Public library sciences
• Public school education
• Public child care
• Public health
• Public service for the elderly
• Public service for individuals with disabilities
• Nonprofit work with certain tax-exempt organization

Malignant Mesothelioma Staging

Malignant Mesothelioma Staging

Malignant Mesothelioma treatment programs depend on many factors which primarily include the mapping of the stage at which the cancer is and the extent to which it has spread. It also depends on the location in the body that has been affected. Different cancer cells have different features and growth patterns and this too governs the treatment program. Most importantly, the age and the complications of the individual also need to be considered.

What is Mesothelioma?
There are many types of cancers and Mesothelioma is one of them. This type of cancer attacks the lungs and the cavity in the chest. It is a type of cancer that is caused by the exposure to asbestos and therefore it is also termed as asbestos lung cancer. In this form of cancer tumors are formed in the mesothelial cells which actually protect the lungs, abdominal organs and also the heart by building a protective shield.
Mesothelioma takes many years to actually develop and manifest symptoms. At present every year there are about 300 cases that are reported the world over and these numbers are expected to increase to about 300.000 by the year 2030. It mostly affects men who are above the age of 40 years. The Mesothelioma life expectancy is narrowed down to less than two years.
Different types of Mesothelioma
The first type is called Epithelial Mesothelioma which is a rare type of malignant Mesothelioma. This cancer affects the inner membrane of the cavity in the chest, heart, abdominal cavity and lungs. In this type of cancer there are three forms; the first one being Pleural Mesothelioma. This type is the most commonly seen one and it affects the Pleura which is the membrane that exists in between the cavity of the chest and the lungs. This has two types and one of them is a Malignant Mesothelioma. The Peritoneal Mesothelioma and Pericardial Mesothelioma are outcomes of the infection and get malignant in no time at all. The mesothelioma life expectancy in this case is much less than that of the other cancers.
Is Malignant Mesothelioma the same as lung cancer?
Mesothelioma or cancer of the lung lining is different from lung cancer. This lining is called mesothelium and that is the reason why the condition is termed as Mesothelioma. Though the main cause of Mesothelioma is the exposure to asbestos, it is not the only cause. When the cancer spreads to other organs and it is termed as malignant and may not always be because of asbestos.
The Mesothelioma life expectancy is much less than that of lung cancer. There are three stages in this type of cancer and they are measured by the Butchart, TNM and Brigham systems. Each of these systems has different stages for diagnosing the cancer. Each of them have four stages with the first stage being the diagnosis and the last stage being mapping of the spread of the cancer to other organs. Clinical staging is pivotal to understand the onslaught and take the necessary action, including legal assistance for compensation.

There are many treatment programs that are available for Mesothelioma Life Expectancy which is a form of cancer triggered by asbestos exposure. However it is essential to map Malignant Mesothelioma staging.

Beauty School Grads Need A Competitive Edge

Competitive Edge During a Job Search

What does that mean for recent beauty school graduates? Competition for jobs is tough. Yet, there are many things a student can do to give herself a competitive edge in the marketplace.
To start, most graduates of beauty institutes can still look to their school's job placement counselors for help. These professionals have extensive contacts in salons, day spas, hotels, cruise ships, medical offices, and resorts, and are usually pretty good sources of information and networking.
But don't wait until graduation to get started on a great career. While in school, make a name for yourself by outperforming all expectations. When top salons call the job placement counselor at your design school, your name should be at the tip of his/her tongue as the most talented, most driven, and most organized student.
Second, during off hours, research potential employers-long before your cosmetology program is complete. Establish networks by visiting salons, attending trade shows, talking to beauty industry professionals, and handing out business cards. While at salons, day spas, hotels, or resorts, identify what positions might be opening up and ask what is required of new stylists so that you can apply that at cosmetology school the very next day.
Third, use the Internet. There are plenty of job search sites specifically geared toward the cosmetology and fashion industries. Which websites and/or recruitment agencies should you avoid at all costs? Any company-including one that claims it has special connections in the salon industry-that requires job seekers to purchase a subscription to access job listings. Employers pay websites to list their open positions, not the other way around.
Next, create your own website or online slideshow to showcase your artistic talents, especially if you're applying for design jobs nationwide, or even internationally. A link to your gallery of photos will impress the salon or day spa manager, and put you at the top of his or her consideration list.
Lastly, create a great resume, listing any and all jobs related to your job search. Account for gaps in employment, be brief yet descriptive, use measurements ("during my internship at the salon I exceed product sales goals by 20 percent), and keep it to one page.

With convenient class locations as well as online learning, starting a career in the beauty profession can be lucrative and give you a recession proof opportunity. An education can provide you with the knowledge and range of skills necessary to function effectively in your chosen profession. To learn more about cosmetology school and a career in beauty, visit our site today.

Why Do Many Graduates Of Beauty Schools

Opt to Go Into Entrepreneurship?

We have seen, over the years, a trend where many - actually a majority - of the graduates from beauty schools opt to go into entrepreneurship, rather than staying in employment all their lives. This trend is interesting, especially when you take into consideration the fact that in many places, the percentage of graduates of beauty schools who opt to go into entrepreneurship is even bigger than that of business school graduates who opt to go the same route. To the critical thinker, this is food for thought, because there must be some factors behind it.

So, why do many graduates of beauty schools opt to go into entrepreneurship?

Well, one factor behind the trend where many graduates of beauty schools opt to go into entrepreneurship is because they recon that they will make more money in business than in paid employment. And remarkably, most of the time, this reckoning tends to be actually true. In many cases the difference between being in paid employment and going into business for oneself in the beauty industry is simply exponential, so that whichever way one opts to look at it, there is simply no comparison between the two. In a situation like this, continuing in paid employment (when you could be making many times more in business) would constitute a completely irrational decision.Another factor that is behind the trend where many graduates of beauty schools opt to go into business for themselves is demand related. This is the fact that there is a huge demand for beauty professionals, so that they know even if they fail in the ventures they try out, they can always get back their jobs - or get similar ones, elsewhere. This is not the case in most other sectors. There are sectors where one sees better prospects in business, but still decides to hang on to the paid employment; knowing that should they get out of paid employment and fail in business too, their situation would be precarious, as they may not be able to regain their old positions. What is worth keeping in mind, about the graduates of beauty having so many choices is that they tend to be quite talented artists, offering a distinctive service; which justifies the great demand they find themselves in. It helps, in this regard too, that the beauty industry is one in which competition for professional beauticians is still very high. We are likely to start seeing a change in this aspect as the number of beauty-schools continues to grow and the market gets saturated with graduates of the said beauty schools.

Further still, another factor behind the trend where most graduates of the beauty schools go into entrepreneurship is the fact that setting up most beauty-related businesses is not too demanding, in terms of capital outlay and such things. These are the sorts of things that serve as 'barriers to entry' in other industries, but in the beauty industry, they don't seem to manifest; meaning more and more graduates of beauty schools can go into entrepreneurship.

The Options For AMesothelioma Patient

The Options For AMesothelioma Patient

Receiving a diagnosis of mesothelioma cancer can be devastating not only for the patient but for his loved ones. News of this sort can leave someone with varying degrees of emotions ranging from anger to depression. It is easy after a life altering diagnosis to become despondent and give up hope. However, with the help of their physician and family members the mesothelioma patient must explore avenues of treatment, treatment centers, and support.Finding a treatment center can be one of the biggest challenges for someone diagnosed with this disease. Patients should check to make sure their insurance will cover treatment at the center of their choice. It is also wise to ensure that the clinic utilizes all treatment methods available. Often times treatment of mesothelioma require a combination of different approaches and a clinic utilizing only one or two methods may not be delivering the best care.There are a variety of treatment options for mesothelioma patients. Traditional treatments include surgery, chemotherapy, and radiation treatment. The treatment method selected will depend on a number of factors such as the stage of the cancer, the location, and the overall health of the patient.Chemotherapy is the treatment of the cancer using chemical substances. Often times, chemotherapy will be used in an attempt stop or slow down the spreading of the cancer in mesothelioma patients. It may also be used to shrink tumors before other methods such as surgery are performed. Unfortunately, those treatments are only of limited efficacy.Radiation therapy is another treatment option utilized in certain situations. Small bursts of radiation are targeted at cancer cells while minimizing damage to healthy surrounding tissue. Radiation therapy is often used in conjunction with other treatments.Diagnostic surgery is often performed to confirm the presence of mesothelioma cancer. Frequently, this can be accomplished by visibility, but tissue samples will also be taken. Surgery may be utilized to remove large visible sections of tumors. More than likely microscopic cancer cells will still be present which can then be treated by chemotherapy or radiation.It is important for someone undergoing treatment to seek outside support. Friends and family members will always be there; however, they may not be able to understand the feelings the patient is going through. For this additional support, there are many peer groups in cities across the country made up of other mesothelioma patients who will be able to relate. Some of these groups are strictly peer-to-peer while others may be led by a professional such as a psychologist or social worker. Professional lead groups may tend to be focused on dealing with things such as side effects while peer-to-peer groups may focus more on dealing with your emotions and day-to-day living. It would be wise to visit many groups to find one that you are the most comfortable with.The author Tony Ulrich was diagnosed with kidney cancer in October of 2009. In his research on what his cancer could have been caused by, he came across with data that suggests a strong link to environmental toxins, such as asbestos. Please visit his Kidney Cancer and Mesothelioma Patients

What Is Student Health Insurance?

What Is Student Health Insurance?

Universities and colleges frequently tend to provide the foundational health care treatments for the students through a student health care clinic that is situated right there on the campus itself. In case there are dormitories or residential facilities in the university these facilities become all the more indispensable. To avail these treatments students need to pay a minimum health fees along with the overall term fees that they pay. In case of teaching hospitals and affiliated schools the students are given a chance to avail a number of facilities like,
Student Health Plans
Off-site Care Centers
Student Health Insurance plans
All these put together provide a lot of attention to some of the major issues regarding the health and fitness of the students that need to be taken care of.
Many of the insurance companies out there that sell normal insurance policies also have special health care insurance packages for students ensuring their welfare. Student healthcare insurances in general tend a lot less expensive granting the fact that students do not have an ample source of income to pay the premium for the services. Moreover the plans may also be entitled to a few special restrictions when it comes to student health care insurances. These plans actually come in real handy and fill in the loopholes that are left in between the coverage that is provided by the school. Student healthcare insurance policies may also be completely necessary for all those students who are suffering from chronic diseases or symptoms.

Saving Money With Private Health Insurance

Private Health Insurance

A Private Health Plan can be Helpful
Are you part of the close to 40% of consumers that gets insurance from the company you are working for? If you are, you might be paying half of the monthly health insurance plan as payroll reduction.
The national average for the U.S is close to $15k, so that means $7k each year. And to be honest some employee might be better off buying private insurance.
If you have not looked into it yet, it might be worth it. At least looking at what your options would be if you went with a private plan is worth the shot. People are already starting to switch to private because they see that its cheaper for them to get off their employers plans. Whatever you do decided to do, make sure that what you get with the private policy has the same benefits as the one you currently have. You don't want to end up paying less but also getting less medical benefits.

5 Guidelines For Getting Fairly-Priced Health Insurance

Priced Health Insurance

n order to not fall short with your finances while finding health coverage, here are some things a person must do: take advantage of your company's insurance, consider COBRA, shop and compare, identify your needs, and review financial assets.Choosing the most appropriate health insurance plan is a tough decision. With all the endless options in the market, people sometimes find it difficult to come up with a good choice for the right price. There is no such thing as "fits all" plan. Some guidelines must be taken into consideration in order to determine the most suitable health insurance coverage for you and your family. Obviously, this can be a bit costly especially for families with tight financial resources. Here are some of the things a person must bear in mind when purchasing a health protection plan to fit within a budget.
Take advantage of your company's insurance
The most affordable coverage available is that coming from your company. Corporate rates are usually given to companies who meet the minimum number of policy holders. this make coverage cheaper for plan participants.
Consider COBRA
COBRA, or the Consolidated Omnibus Budget Reconciliation Act of 1985, is ideal for people with a reduced number of work hours and those who have just lost their job. In order to continuously get protected despite unemployment, COBRA provides them the privilege to pay only 35% of their original premiums. The fact that the immediate family such as the spouse and the dependents are also covered, makes this more advantageous for low wage earners.
Shop and compare
Remember that not all companies offering health care policies provide the same protection. It is best to look into various service providers and compare the benefits each plan can offer. Understand carefully every single stipulation found in the policy, and do not get overwhelmed by their attractive packaging.
Identify your needs
The best thing to do so that you will not end up paying for things you do not need is to identify your health care needs. Assess whether or not you have preexisting medical conditions that require regular monitoring. Issues such as these need thorough consideration since they will greatly affect the coverage you will enjoy.
Review financial assets
Your budget is another important thing to work out. Make sure that after paying the required premiums, you still have more than enough funds left to sustain your daily needs as well as your wants. Depending on the extent of protection, the rate varies from the most affordable to highly expensive. Thus, be prudent when opting for inclusions or riders so that you will not get deficient with your finances.
Although it is essential to get the most out of the health plan you want, never put more emphasis on the cost you will spend. What matters most is that you get a comprehensive protection plan that best meets your and your family's needs.

Lekha Washington In Va 1/4 Cutting

The prestigious Cloud Nine Movies of Dhyanidhi Alagiri has acquired the release rights of Pushkar and Gayathri’s directorial‘ Quarter Cutting’. It is produced by Y Not Studios and features Shiva, SPB Charan,and Lekha Washington in the lead. GV Prakash has scored the music for the film whileNirav Shah handles cinematography movie is going to release in 1st week of Nov.

Canadian Lingerie Model Paulina Stanek Photoshoot

There’s nothing about this Canadian lingerie model that you wouldn’t love. In fact, Paulina Stanek can charm any man with her hourglass curves and exotic beauty. She has worked for La Senza, and it really does take a lot of digging just to find this hottie. So, it’ll be best if you grab the chance to satisfy your eyes on her lovely assets and let her pictures do the talking.

Mexican Model Paulina Flores Hot Photoshoot

Mexican women really are great, and Paulina Flores is no exception. Forget all of the controversy about immigration and all of those unimportant matters, what we really need to be focusing on all of the hotties from Mexico. That is a much better diplomatic method than the one the US Govt. is currently using

Ali Larter Photoshoot for Esquire Mexico October 2010

American actress Ali Larter return to her ideal form and appears on the cover page of men’s magazine Esquire Mexico for the month of October 2010

Wendy Valdez & Jef Gaitan Photoshoot for FHM Philippines October 2010

The former beauty queen Wendy Valdez pose along with Jef Gaitan for a skinny photo shoot, that featured on the men’s magazine FHM Philippines for the month of October 2010.