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After four years of high school.  After long hours studying and taking the SAT. After months of looking for that thick envelope as the postman delivers the main each day.  Then one day it comes, the acceptance into the school or program of your choice.  Each years, many young people go through this ritual while awaiting the next steps in their educational lives.  This can occur for undergraduate, for a masters or even a PhD.  If you know someone who has received their acceptance letter, show them that you are happy for them with a gift or other small token of your friendship or love.  Gifts for this occasion do not have to be large or expensive.  You can show your appreciation through sending a gift basket or if they are going away, start getting them ready by purchasing things for their new apartment or dorm room.



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 Webster's New World College Dictionary

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Futazi: A High School Destination (official): A website about college admission, and preperation.

US News & World Report (official): Rankings of top colleges, grad schools & e-learning (official): Information and online registration for the SAT.

Surviving High School-Tips for Teens and their Parents (Kid Source): Some tips to get through the High School years.



Getting a Loan: Make Your Life College Loan Ready

Getting a loan for college is something that is going to affect your life throughout school and long after you graduate.  So, it is important to prepare yourself and your life for getting a loan to make its long term affects as painless as possible.  There are numerous ways of preparing for getting a loan.  You and your parents can begin to save money early to cover upcoming expenses.

You can communicate openly about money with your family and counselors.  They are your support system and working together with them will make getting a loan and handling a loan much more conquerable.  Finally, research the kind of loans and financial help you will be seeking to know your responsibilities and be bold enough to go after what you really want.

When your college days are coming to an end, you should start thinking about how you're going to pay back your loan. In fact, it's best to start considering this at least two years prior to your graduation.  Devise a plan that will define how you'll have enough money to repay the loan-whether it's in full or through a payment plan.  It's always smart to begin a college loan savings account. If you do this, whenever you have money, you can add a little to it so you'll have some money saved up before it's due.  Try to live budget-friendly as well.  Don't spend all your cash on frivolous items - instead, think about your purchases and decide if you truly need them.  This will help keep your finances in order.

Second, make sure the lines of communication are open between you and your parents.  Your family is a very important part of your support system and getting a loan might be the biggest financial step you have taken so far. Find out what, exactly, your family has done to prepare for college expenses.  Find out if there are savings that can be used. Find out how much they think you will really need, and see if they are willing to supplement your income during your college years.

Being organized and efficient is very important in college. It's also important when you're applying for a student loan.  Make sure you find out the deadlines for your applications because if you miss them- you won't be able to apply again until next year.  So, get all the information you'll need long before the application is due. This will ensure that you get it in long before necessary.

Lastly, be brave. It is not necessary to base all your decisions about college around getting a loan or not. Instead, focus on what school would be best for you.  Even if you think you can not afford a certain school, take a chance because you will be shocked how much financial opportunity there is out there for a student with potential to succeed. Whether getting a loan or some other source of money, you and your parents can work together to find the answer that is right for you.

Rey Prestito can be reached for comment on this article at Qwik Loans, Inc., a company specializing
in personal loans and refinancing.

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Last modified: March 20, 2012

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