Higher Education as Service Trade Exporter In South Africa

Introduction

Whilst it is recognized that South Africa is still in a process of transition regarding higher education to address the imbalances of the past, it should also be emphasized that Institutions of Higher Education in large are still underplaying the importance of higher education as commercialized commodity in the global world. This resulted in a low commercial higher education presence in the global world, a limited capability to attract quality students from foreign countries and a national oriented education approach. Even the school law that will soon be introduced in South Africa to address the imbalances of the past may have a negative effect of institutions of higher education to play a significant role in the commercialized educational world. The proposed new law emphasized adherence to the principles of equitability, rectification and representativeness above competence in the appointment of teachers. This may undermine the quality of education firstly, in schools and later in institutions of higher education in South Africa.

This is in sharp contrast with international trends signaling that the international higher education market is becoming more competitive as education competes as export and import commodity. Figures available indicate that higher education export represents on average around 6.6% of total student enrollments in 2000. This figure can still not be matched b South African Institutions 5 years later. In countries like Switzerland, Australia and Austria these figures were above 11% in 2000 making these countries the highest internationalized higher education countries in the world. Similarly, educational services in Australia, New Zealand and the United States of America respectively represent the third, fourth and fifth largest service export sectors. This clearly provides evidence that these countries realize the significance of higher education to transfer intellectual capital and enhance the economic competitiveness of nations.

Interventions required

It is important that Institutions of Higher Education in South Africa position themselves as nodes in an increasingly seamless knowledge base in the global world, which could have a greater interface with the knowledge-driven global economy. Therefore, Institutions of higher education in South Africa should given even more attention to integrate with influential international institutions that will enable them to internationalize higher education.

Currently, internationalization of higher education in South Africa happens more by incident rather than through thoroughly planned and organized approaches. If institutions of higher education in South Africa intend to consider higher education as a commercial trade commodity, serious emphasis should be place upon:

· Introducing purposeful policies and strategies that clearly indicate the road forward with regard to internationalization intentions and the specific areas that would need priority attention. However, this should not be developed as separate internationalization strategies, but should e seen as a natural element of the overall strategy of the institute.

· Implementing induction and course programmes that will attract quality foreign students to the institutions.

· Supporting academics to participate in conferences as well as in reputable academic journals to publish research results.

· Ensuring that all course offerings meet international accepted criteria as defined by the leading institutions of higher education in the developed world.

· Creating conducive learning environments equipped with the latest learning technologies.

Internationalization requires that institutions of higher education in South Africa should emphasize a somewhat loosening of the relationship with Government to create new transformational bodies to address the imbalances of the past, but also to broaden this mission to play a more active role in regional economic development. This can be achieved by establishing strong horizontal links with other universities research institutions and industry in the Southern African Development Community. If this can be achieved, the activities of institutions of higher education will no longer be isolated from the marketplace and its outputs could become merchandise products as well. Loosening the relationship with government will not only provide for more freedom to autonomously decide what educational and research outputs to create, but will also increase the pressure on institutions of higher education to perform better as they take up the responsibility to raise funds for projects and salaries.

It is imperative that higher education in South Africa can no longer take the disposition that placed research and development in contrast to one another. Rather, it should take the stand that the outputs of institutions should have a strong:

· Social development and application in which the simultaneous promotion and integration of education, scientific research and production occurs;

· Science and Technology Financial Management Support System in place in order to create a safe and secure research environment for academics; and

· Set of ” Key State Laboratories” where research and education of strategic importance to the development and well-being of the country can be carried out.

Conclusion

South Africa institutions of higher education currently rated only among the top 40 of the world’s host countries. An urgent need exist to rethink and reformulate the educational thinking models of institutions of higher education in South Africa. Because of the changing political situation accompanied by a changing global economy, many traditional ways in which institutions of higher education were previously governed will change. Unless institutions of higher education in South Africa succeed to internationalize successfully, huge opportunities to earn foreign currencies using higher education as a trade commodity will be lost.

Online Degrees in Education

Education is very extensive field and provides you several diverse opportunities. Degree holders or teachers can concentrate on early, middle or secondary students. They can also work in administrative positions. Professionals can also specialize in designing teaching material, adult education or they can also get training as an administrative specialist such as principal or vice principal.

Goals of Earning Online Degrees in Education

Teaching is considered as very easy going profession. But if you really want to become a good teacher you must have multiple skill and expertise like ability of handling students, strong communication skills and talent to convince, motivate and train. After earning any online degree in education from top accredited online university or college you will be able to train students to resolve the problems. If you start your career as elementary teacher you will teach all subjects of basic level. But on secondary level you will teach subjects of your area of specialization. Higher level online degrees in education enable you for higher education positions such as community colleges, vocational schools and universities.

Online Degrees in Education

Several online degrees from associates to doctorate levels are available. Many top accredited online universities and top accredited online colleges offer online degrees in education. Following are the online degrees available.

o Associates Degree in Education
o Bachelors Degree in Education
o Masters Degree in Education
o Ph.D. Education Degree
o Degree in Early Childhood Education
o Master Degree in Education Administration

Online Associates in Education

Online Associates Degree in Education is ideal for working individual to make a career move. It is very beneficial because it is very focused and practical without vast time obligation of bachelor’s degree. You will focus on a general education courses that include sciences, social sciences, arts and humanities. After earning associates level degree your potential career paths incorporate teaching in a Head Start program, Elementary school Para professional and teacher assistant. Associates degree is considered as initial level online degree in education.

Online Bachelors Degree in Education

Online Bachelors Degree in Education provides you option to become certified K-6 Teacher. You will get thorough knowledge of K-6 elementary teacher certification, advanced educational studies, human recourse development, corporate training and higher education. You can select any specific subject of your interest. You will be able to help young students to develop skills and acquiring knowledge. After earning online bachelors you can work as elementary/high school teacher, counselor, course developer, researcher and college professor.

Online Masters Degree in Education

Online Masters in education enables you to join better paying administrative jobs. Masters degree gives you the chance to become certified professional after bachelor. MAT or MIT and M.Ed. are the common master degrees available in education. You can continue to work as teacher or choose to work as principal or assistant principal. This degree provides opportunity to professionals to earn degree with job. You can earn this online degree in education to advance your career. Following are some master’s concentrations available

o Administration and supervision
o Adult education
o Distance learning
o Special education
o Curriculum and technology

Online Ph.D. Education Degree

Online Ph.D. degree is the highest level online degree in education. It is suitable for passionate professional wishes to gain higher grade job. It is basically for individuals already had teaching experience. After earning online masters degree you can teach as professor at university. You will also able to conduct research and apply what you learnt. You can specialize in elementary and secondary education, special education, adult education and higher education.

Online Degree in Early Childhood Education

Online degree in early childhood education is also an important online degree in education. After earning this degree you will be able to work with children below the typical school age between 3 and 5. Course work includes child psychology, parenting and early learning strategies.

Professional finds job in elementary or pre-schools. Early Childhood Education professionals effectively train young children during critical time in which formative learning, skill building and social growth takes place. Children who gain proper training at this stage of life can effectively find their way through the academic and social rigors that every student will have to face later in life. That’s why schools, families and government spend considerable money on early childhood education.

Online Master in Education Administration

Online Master in Education Administration is a unique online degree in education. It is designed for education professionals who have keen interest in administration issues. Course work includes education finance, school law, duties of principal, community relation and supervision of personnel. Degree needs internship experiences in school administration at administrative and principal level. Plenty of jobs are available in educational administration. Educational administrators can work on variety of jobs ranging from day care administrator to college president or school principal. Administrators have good communication skills and able to prepare budgets, supervise student’s progress, manage everyday operations, fund raise, designing policies and standards and command institute to maintain the state and national standards.

Special Education in Ireland’s Secondary Schools

This article is an introduction to special education in Irish secondary schools. The past then years have witnessed a sea change in special education provision in Ireland. The Department of Education and Science has issued numerous directives and guidelines in relation to policy, provision, structure and supports. Since 1998 there have been ten pieces of legislation passed through the Dail that relate, one way or another to children and special education needs The National Council for Special Education (NCSE) has been established along with the Special Education Support Service (SESS). Both these organisations oversee and coordinate all special education initiatives nationwide. Ireland’s primary schools have pioneered these new directives. Special education provision at primary level is developing at a rapid pace and great strides are being made. The next horizon for improvement is secondary school.

Ireland’s secondary schools are driven by an exam-oriented curriculum. Subject area specialists teach all of the curricular content. The supports available to children with special needs are not extensive or as tested as those at primary level. In what follows we will look at the needs and entitlements of children entering secondary school who have identified special education needs and those who are entering and later discovered to have a special education need.

My child has been receiving extra help in primary school. What should I look for in a secondary school?

You should look for a school with a special education teacher in place on a full-time basis to support all children with special needs in the school. It is important to also be sure the school has a commitment to supporting and educating children with special needs. The school should have on its staff teachers who have had some training in how to differentiate their methodology and curriculum for children with special needs. There should be an accepting attitude on the part of all staff. Remember, your child is entitled to enter fully into the life of the school and avail of all it has to offer. How do you find out these things? Talk to the school principal and ask questions about the topics listed above. Remember, your child may be eligible for special consideration at the time of Junior Cert and Leaving Cert but this will have to be determined about a year before these exams will be taken.

What is s/he entitled to?

A child who has been receiving special education resources or support in primary school is eligible for continued support at secondary level so long as they continue to have a special education need. It is possible that a primary school child, after receiving several years of support, could no longer be deemed to have a special education need but this is the exception not the rule.

Your child will be entitled to the same general provision he or she received in primary school. Typically this takes the form of specialist teaching from a Learning Support or Special Education Resource teacher (both are now often being referred to simply as Special Education teachers. This support is to be determined based on need with the number of hours of support being determined by the Individual Education Plan (IEP) drawn up in the last year of primary school. In addition to the IEP there should have been a Transition Plan completed during the last year of primary school The Transition Plan will devise the structure of transition to secondary school and may alter the IEP for a short period of time. If this happens there should be a team meeting in about six months or less to write the secondary school IEP. In general students in secondary school are eligible for the same supports as in primary school. This may include a Special Needs Assistant (SNA).

How do I go about making sure they get that?

Generally speaking your child’s Individual Education Plan is the map which documents exactly what services your child will receive, when he or she will receive them and from whom. The IEP is your best protection against a child not receiving the services they need. IEP’s will eventually become legally binding documents on all parties and a school must provide the services outlined in the IEP. An IEP cannot be changed or implemented without your consent. Remember that upon entering secondary school a Transition Plan may be in place that slightly alters the previous IEP. This will have to be reviewed within a short span of time to be sure the child receives appropriate support services. Don’t be afraid to talk to the school principal because he or she is ultimately responsible to see to it that children receive the services they are entitled to receive.

What are my options if we run into difficulties?

Should problems arise you should first speak to the Year Head and address your concerns. The Special Needs Organiser (SENO) assigned to the school should be alerted as well as the appropriate special education teacher(s). A team meeting, of which you are entitled to be a member, can be convened within a reasonable time frame and your concerns will be discussed. If this meeting does not satisfy you or not result in the child receiving the services you may contact the National Council for Special Education for further information and support.

It is important to take things one step at a time. Speak to your child’s special education teacher first and be clear about your concerns. Be assertive and not aggressive. Remember, generally speaking everyone is doing the best they can. Do have your child’s IEP in front of you when you are speaking to the teacher or other staff member. Be aware of your rights to appeal as outlined in the NCSE and SESS websites. Don’t rush to judgement, try and work things out amicably before you make threats to appeal. The next most important port of call will be the Special Needs Organiser assigned to the school.

Hidden Disabilities

Not all children who have special education needs come to the attention of parents or educators in primary school. The human brain is an organ that tries to meet the demands placed upon it at any given time. As anyone who has gone to school knows, the demands of the curriculum get greater and greater each year of schooling. In secondary school the curriculum subjects become incredibly complex each year. The fact that a student is being educated by many different teachers each year further complicates matters. There are students who have had no difficulty suggestive of a special education need at primary school who suddenly seem to have a lot of difficulties in secondary school. Unfortunately they are often perceived as “lazy” or “unmotivated” and sometimes as “difficult” students.

If these labels stick and no thought or concern raised about a possible learning difficulty being present the student can become trapped in a cycle of failure and rejection by teachers. The result could be early school leaving, behaviour difficulties to hide the learning problem, lowered self-esteem, loss of self-confidence and trouble at home. It is important to recognise that some students, no matter how well they performed in primary school, may have a special education need that doesn’t appear until secondary school.

What are the warning signs?

It is not possible to list the many warning signs of a hidden disability but generally speaking one should be considered any time a student with a previously successfully record in primary school begins to exhibit difficulties in secondary school. There are a variety of causes to school failure at second level but a hidden disability can often be reasonably suspected when one or more of the following difficulties become noticeable:

oMemory problems
oOrganisational difficulties
oRefusal to go to school
oProblems with written language expression
oDifficulty organising thoughts into speech
oInability to recall facts from yesterday’s lesson even if they seemed retained the night before
oUnusual spelling problems
oUnusual difficulty with more advanced mathematical problems
oPronounced difficulty in foreign language class
oBehavioural difficulties not present in primary school
oMood swings or sudden mood changes that last several hours
oReluctance to engage with parents about school difficulties

Although a partial list it is a good guide for parents and teachers to thoughtfully consider the presence of a hidden learning disability.

I think my child may have a problem. Where do I go from here?

First speak with your child’s teachers. Ask for the facts: what does teacher think the problem might be? How often is this occurring? When? Is it serious? Present your own perception to the teacher(s) clearly and succinctly. If you have done some Internet homework on your own be clear about it and raise it as a query needing to be resolved. Try and get some samples from homework you have seen and ask for some samples of the child’s work in class if it is appropriate to do so. Speak to the Year Head and ask him or her to get some information about your concerns from all teachers. See if you can spot a pattern that validates your concern.

If you become more concerned then you have a right to ask for an assessment. Sometimes the special education teacher, with your permission, can perform some individually administered tests to discover if the child is seriously behind in reading or math achievement age. It is possible to discover if there are significant written language deficits in some cases. If this assessment leads to more significant concerns then you should request a psychological assessment. These can be provided free by the National Educational Psychological Service (NEPS) but be mindful that a lengthy waiting list may be in place.

The most important thing is to be persistent and to talk to the right people. Begin with teachers, speak to Year Head, go to Principal if necessary and don’t forget the Special Education Needs Organiser (SENO). If an assessment is carried out there will be a team meeting to discuss the results and to begin the process of writing an IEP.

In the case of a diagnosis, where do we go from here?

If your child is found to have a special education need an IEP should be written. This is, as stated previously, a road map to your child’s education plan. It should be reviewed annually but can be reviewed more frequently if it is decided to do so. The special education team, often referred to as a multidisciplinary team, will be responsible for writing the IEP. You are a member of that team. Your child is also entitled to be a member of the team and it is particularly important for secondary school students to participate in this stage of planning. This gives them a sense of ownership and control over their educational life.

Be sure that the plan covers all the areas of concern that have been discovered in the assessment process. Plans for children with social and behavioural difficulties that address only academic issues are useless and doomed to fail. Special education planning is a thoughtful and time-consuming process when it is done correctly. Don’t feel rushed into accepting a plan you don’t think will work. Take it away and ask if you can return in a week to revise it with the team. This may not make you the most popular parent in the school but it is responsible parenting.

Possible Panels:

Autism/Asperger’s in Secondary School

There are large numbers of children with an Autistic Spectrum Disorder that are having considerable difficulty finding a secondary school to enrol them. The problem revolves around the lack of supports at second level and the lack of teacher training in this speciality area. Unfortunately there is little that can be done if a school refuses to enrol a child on the autistic spectrum. What is needed is the development of resource support. By that I mean resource rooms where these children can get services by a specialist teacher. Availability to the teachers of advanced training. Availability of print and video resources teachers can access to learn more about the spectrum. Along with this there should be a whole-school commitment to inclusion for children on the spectrum so they are not isolated from same-age peers.

The education of children on the spectrum is not that difficult once educators get the knowledge about how to do it and have the proper attitude towards these children and their families. Of course they present us with challenges but the good news is that once we get it reasonably right for them we begin to improve the education of all children. There are considerable challenges in the future to our secondary schools in education these children and it is time to get it right. Those schools which stubbornly refuse to enrol children on the spectrum are in the stone age of education. There is a clear choice for secondary schools in relation to these children: be in the forefront of change and development or be left behind forever. Parents will not forgive or forget. It’s time to get it right once and for all.

ADHD

Attention Deficit Hyperactivity Disorder affects about 5% of all children and adults. Unlike other special education conditions, children and adolescents with ADHD are frequently blamed for having the condition, perceived as hostile or unmotivated, lazy or cheeky. When ADHD goes untreated it becomes a serious condition affecting self-esteem, motivation, behaviour, self-confidence and relationships with adults and peers. ADHD is a high-stakes condition and it needs to be recognised that students who have it didn’t choose to be the way they are.

ADHD is a condition that is caused by brain chemistry and activity. It is a neurobiological condition. People with ADHD often have difficulty paying attention and concentrating, especially on things that require sustained attention and concentration. The can have problems controlling their emotions and impulses, can rush to finish things or have considerable difficulty waiting their turn. They often ask questions without thinking them through and sometimes make unfortunate comments in front of others.

ADHD is a life-long condition. One never grows out of it but the symptom picture changes over time. Often the impulsivity and high level of activity, if they were initially present, disappear in the teen years. The learning problems associated with ADHD do not go away easily and it is vitally important for them to be addressed in school. As in the case of children on the autistic spectrum, once educators and schools get it correct for children with ADHD they have improved the educational provision of all children.

Understanding is critically important. Adolescents with significant ADHD do not chose to be in trouble with and in conflict with adults. Constant rejection and criticism, constant punishment, and in severe cases expulsion from school is not the answer. Corrective teaching is the answer and appropriate support from specialist teachers is vital

Becoming An Educator – Choosing The Right Degree Program For You

W.B. Yeats said, “Education is not the filling of a pail, but the lighting of a fire.” If you want to be the one to light the fire for learning in the hearts of students, becoming an educator is right for you. But what degree program should you pursue? Because the field of Education is so incredibly diverse, you have many options to choose from. Here is a brief listing of just some of the career opportunities available to those that decide to seek a degree in Education.

o Teacher Certification & Certification Programs. Looking to earn your Teacher Certification or credential? If you already have a Bachelor’s degree and have decided to teach, earning your Teaching Certificate is the next step to take to launch your career as an educator.

o K-12. Completing your K-12 education degree will put you on the path toward a rewarding career teaching children of all ages.

o Adult Education. Graduates of adult education degree programs are given special instruction in adult learning to accommodate the unique needs of adult learners. With more and more people choosing to continue their education well into old age, opportunities for adult educators continue to grow.

o Art Education. Become an art teacher! Get your degree in Art Education and combine your passion for painting with a talent for teaching. Teaching art to others can be an extremely fulfilling and rewarding career.

o Business Education. Become a business teacher and learn the rewards of teaching business to others. From accounting and finance to marketing and operations, business teachers not only teach people how to succeed in business, but how to succeed in life.

o Distance & Online Education Programs for Teachers. Earn your degree in distance learning education and be on the cutting edge of learning technology. Learn about the newest advances in online education technology and discover how to create innovative online experiences for your students.

o Early Childhood Education Programs for Teachers. Thinking of becoming a preschool teacher? Start by getting your degree in Early Childhood Education. Early childhood teachers are the first to shape the minds of young children and mold the leaders of tomorrow.

o English Teacher Programs. Teach English and help students discover the language arts. Earning a bachelor’s or master’s degree in English education is the first step toward a rewarding career as an English teacher. English teachers are needed to fill positions in public, private and English language schools.

o Elementary Teacher Programs. Elementary school teachers work with children in grades K-8, giving them an introduction to a variety of subjects.

o Higher Education Programs for Teachers. Interested in teaching higher education? Get your doctorate or master’s degree in higher education and take the first step toward teaching at the college level.

o History Teacher Degree Programs. Get your degree in history education and get on track to a rewarding career teaching history to others.

o Instructional Technology Degree Programs. Get an instructional technology degree and be on the leading edge of learning technology. Instructional designers create new ways for people to learn by incorporating current technologies such as video and the Internet into a curriculum. Instructional technology is a burgeoning field with many positions expected to open up in the next few years.

o Math Education Degrees. Want reap the rewards of teaching math to others! Then become a math teacher! Teachers are needed to give mathematics instruction at the elementary, middle school and high school levels.

o Middle School Education Degrees. Get your middle school education degree today and teach children from sixth to eight grades.

o Reading & Literacy Education Degrees for Teachers. Teach someone how to read! Become a reading teacher by completing your degree in Reading and Literacy Education.

o Secondary Education Degrees for Teachers. Focusing on Secondary Education means teaching children in high school. Help shape the next generation by providing a solid education to young students before college.

o Science Teacher Degree Programs. Science education teachers are high in demand to teach science in Elementary and Secondary schools.

o Social Studies Education Degree Programs. Social studies teachers are needed to teach in both Elementary and Secondary schools. Get on the path to this rewarding career by earning your degree in social studies education.

o Special Education Teaching Degrees. Special Education Teachers are some of the most in-demand teachers in education. Special Education teachers held a total of about 441,000 teaching jobs in 2004. The U.S. Dept. of Labor-Bureau of Labor Statistics expects the demand for qualified special education teachers to grow faster than average through 2014. This makes it a great time to get your special education degree.

o TESOL (ESL) Education Programs for Teachers. Teaching English to Speakers of Other Languages (TESOL) can be an exciting and rewarding career with job opportunities in both the U.S. and abroad. The U.S. Dept. of Labor-Bureau of Labor Statistics predicts that the number of non-English-speaking students will continue to grow, creating demand for bilingual teachers and for those who teach English as a second language.

o Curriculum & Instruction Programs for Teachers. Get your curriculum and instruction degree and improve your teaching skills while learning to create fascinating new curriculums that bring learning to life.

o Education Administration Degree Programs for Teachers. Earn your Education Administration degree today and jump-start your career. This advanced degree, either a Master’s or a PhD, will give you the leadership skills you need to manage large educational programs, both in public schools and the private sector.

o Educational Counseling Degree Programs. Begin a rewarding career in school counseling by earning your education counseling degree. This degree is the perfect way to combine a love of education with a love of psychology.

o Educational Leadership Degree Programs. Earn your Educational Leadership degree and prepare yourself for a new and exciting career as a school administrator or principal.

o Library Science / Media / Technology Degree Programs. Get your degree in library science, educational media or technology and begin a rewarding new career helping children access information. Graduates of a library science programs are eligible to become a School Librarian. Graduates of educational media and technology programs have learned ways to incorporate new technologies, such as video and the Internet, into their classrooms.

Education Loans Can Augment The Boundaries Of What You Can Achieve

Education never ends – it is not said without reason. We are educated all our lives and getting an education not only is a great achievement but something that gives you the tools to find your own way in the world. Education is indispensable; little do we realize how much more it can bring to us in terms of worldly amplifications. Anyone can have propensity and the natural endowment for education. But one might not have the resources to finance their education. You certainly can’t let lack of resources impede you from advancing your prospects through education. Then you accidentally stumble upon the word ‘education loans’. Loans for education – you have never thought about it as a feasible arrangement. Education loans can open newer panoramas in regard to your education aspirations.

Education loans are open to all people in all its myriad forms. Education loans can realize your education plans or the education plans of your children. You can strengthen you own future and the future of your son or daughter with education loans. An extensive range of student and parent loans are presented under the category of education loans. There are many types of education loans. Discerning about the types of education loans will help you in making the accurate decision. The single largest resource of education loans is federal loan. The two main federal education loan programmes are the Federal Family Education Loan Programme and the Federal Direct Loan Programme. In the Federal Family Education Loan Programme the bank, credit union or the school is the lender. While the federal direct loans programme, the department of education is the lender.

Private education loans are offered to people so that they can provide financial backup to their education plans. Private education loans are not endorsed by other government agencies but are provided by other financial institutions. Private education loans programme are optimum for both undergraduate and graduate studies.

Formal education is requisite for future success. Though this is not a hard and fast rule, but education certainly helps you in gaining an upper hand. With universities getting expensive by each day an education loan will certainly give you an incentive to go ahead with your education plans. Each year while contemplating on your education plans the thought of finances almost invariably comes in. While working towards you degree, you are constantly plagued about paying for the education fees, books, and other living expenses. Education loans can provide funding for tuition fees, board and room, books computer, and even student travel. An education loan can help you with all these expenses. Education loans are sufficient enough to take care of all these expenses. If you have been forced to drop your education for any reason, you can still take up your education at any point of time. Irrespective of your age and also where you have left your education.

There are no specific eligibility criteria for education loans. Any person who is in need of sponsorship for education can find an education loan that befits his or her financial necessity. Loan amount on education loans vary with the kind of education you want to pursue. The repayment options with education loans will similarly accommodate your personal financial preferences. You can either repay interest amount while still in school or six months after graduation. Education loans offer upto ten years for repayments. The refund alternatives on education loans also include deferment, forbearance and consolidation. The various sites on education loans can give you innumerable repayment options and monetary remuneration.

Education loans will help you in planning your life after graduation. However, an education loan like every loan is a huge financial obligation. An education loans is generally the first substantial loan for most people and therefore the first major expense. Do not be completely dependent on your education loans for the funding of your complete education. Try to apply for any other financial sustenance like university grants, scholarships, fellowships, work study programmes and assistance ship and any other form of aid. This will certainly encourage a fluid dispensation of your education loans. You can start by going to the financial aid office in your school or university. It will provide you further insight to the kind of education loans, you must apply for.

Education is an experience of life. It is so rewarding in itself that it helps you to manage almost everything in your life. Education loans discipline your impulse towards education and training into a fruitful contrivance. The payoff is delicious in terms of improved quality of life. Education is expensive! Is it? With education loans it can’t be. Now, you don’t have to take the road in front of you. Make your own road with education loans.