Online Degrees Can
Save You Thousands
of Dollars in Tuition,
Room, and Board

consolidating student loans

Required Reading for Students and Parents about consolidating student loans

"You'll Find TONS of Money..."
$10,000... $20,000.... Up to $40,000 or More of
Free Scholarship Money and Free Grant Money...
From My New Scholarship and Grant Guide.
America's #1 Online Scholarship Guide since 1997.
The Scholarship & Grant Guide

"Getting a 4.00 GPA is something impossible for most students! The price that you end up paying for this fantastic GPA is equal to sleepless nights, thick eye glasses, and so much studying that you waste the best years of your life!"
Earn A 4.00 GPA! The 4.0 GPA Pack.

Test out through CLEP testing. Aquire up to 50 credit hours and save up to $10,000 on college and tuition!
Finish College Fast - Clep Preparation

Best-Selling Toolkit on How to Get Into Harvard Business School
How To Get Into Harvard Business School

How To Send Your Child To College For Free" or close to it will guide those people who have a low to moderate income to a practically free college education, even if you have excessive credit card debt and own your own home with half a million dollars equity in it.
How To Send Your Child To College Free

FREE money for college scholarships, grants, fellowships, endowments, and internships.
Right now there is over $42,000,000,000 ( that's 42 BILLION dollars ) available in federal aid alone.
2005 How To Get A Scholarship Guide

consolidating student loans Information

Are Millionaires and PhDs Really Smarter? The Answer May Surprise You!
Author: O'Vivian

I’ve had a vast array of job experiences. While in high school, I worked as maid for a local motel. While attending college, I worked as an office worker in the Sociology Department and Museum of Fine Arts. After college, I was a social worker for six years.

Following a career change, I spent the next several years working as an editor and technical writer in various publishing and software companies, including Microsoft. And…whenever I had any spare time, I worked on my true passions: creative writing and art.

I’ve worked with maids, nurses aides, office workers, people with PhDs, and millionaires. I’ve worked with people subsisting on welfare and those living…and dying…in nursing homes. I’ve worked with software engineers, project managers, and vice presidents, as well as publishers, artists, and writers.

And…in that vast array of different jobs, locations, and peoples, what have I observed?

I’ve observed maids and nurses aides who are as sharp, witty, and insightful as famous guests on television talk shows.

I’ve observed employees who had made millions in stock options, standing in the espresso line at Microsoft, bragging about how many coupons they had for free lattes.

I’ve observed post-graduate students getting their PhDs, cramming hard to write their dissertations in time, sweating over passing.

And, I watched in amusement, as a coworker who had recently received his PhD spent 30 minutes hanging a sign over his cubicle that read, “The Doctor Is In.” Otherwise, he’d just be a plain technical writer, like the rest of us.

Based on my observations from working with many types of people, millionaires and PhDs are not smarter or better than the rest of humanity. But there is one major difference: Confidence! Because of their situation, they feel much more secure about the future.

So, if millionaires aren’t smarter, why do they have a lot more money than most of us? A few reasons come to mind:

People with money often inherit it. Or, they inherit the opportunities that come from their families having money. This often includes access to a network of well-heeled businessmen and investors.
They are in the right place at the right time. For example, during Microsoft’s heyday, many employees became millionaires and retired after working with the company only 5 years.
People who make millions from the ground up, from their own efforts, are rare and usually have a good business sense. Most millionaires aren’t in this category.

And, if people with advanced college degrees aren’t really smarter, they must have something (besides confidence). So, what is it?

They have the financial resources to pay for college, whether from their family’s savings, financial aide, or working their way through school.
They usually have good memories, or at least a good short-term memory that enables them to memorize numerous facts they promptly forget after the exams are over. (Most educational systems still reward good memories over the ability to analyze and creatively solve problems.)
They have a certain amount of discipline. (Or, they hire ghostwriters to write their masters theses and doctoral dissertations for them! Yes—some people do this!)

Life circumstances, including those that evolve from the choices we make, can make a big difference. For example, when people get married or have children at a young age, it limits their opportunities for going to school. Sometimes people must take care of disabled family members or younger siblings. There are many life events, some unforeseen, that can make it nearly impossible for someone to complete a college, or even a high-school, education. But most of these have nothing to do with intelligence.

So! If you have been feeling “less than” because you don’t have a degree, an advanced degree, or a million dollars in the bank, please stop beating yourself up. Most likely, you are just as smart as the next person. You are just on a different path.

And, contrary to popular belief, having a college degree doesn’t automatically mean you’ll earn more money. I’ve known service workers who work for themselves--for example, guys who mow lawns, paint houses, and wash windows–who earn more than many software engineers!

I’ve also worked with people from all over this country, and people from countries all over the world – including Asia, Vietnam, Canada, Ireland, England, France, Indonesia, India, and Russia. I have found most of these people to be intelligent, charming, and sincere. Yes, our customs (and our senses of humor) may be different, but most of our needs are very similar.

Yet stereotypes abound. Some people feel a need to judge others, or themselves, by superficial differences. But when all is said and done, no group of individuals is smarter, better, or less than another. We each have our own talents and strengths. As well as our own weaknesses.

We each live life the best way we know how, learning lessons along the way. And, hopefully, learning tolerance and compassion as well.

About The Author

O’Vivian is a versatile author and artist who believes that art has the ability to help heal, and inspire, the Soul. O’Vivian holds degrees in psychology and sociology, and has long been fascinated by spiritual psychology, the human condition, and the seemingly universal quest for a more meaningful existence. These elements invariably find their way into most of her work. To view O'Vivian's work, go to http://www.ovivian.com. To contact O'Vivian, send email to ovivian@ovivian.com.

...

FastWeb, the Internet's leading scholarship search, helps people find valuable scholarship money to pay for college or an advanced degree. Recommended by more than 18,000 guidance counselors and financial aid officers, FastWeb is the most trusted education resource online.
Find Free College Money

Privacy Policy

Other Results for consolidating student loans
financial aid from county of san diego
financial aid government formula
financial aid search
single mother financial aid
florida financial aid application
form letter requesting financial aid for mission trip
four types of financial aid
financial aid statistics for nj colleges
home school financial aid
free application for student financial aid
florida student financial aid
financial aid services
financial aid seniors prescriptions
financial aid software college
financial aid requirements
can i get financial aid for training programs
boot camp financial aid
can i get financial aid for let's get certified program
best financial aid lenders
barry bluestone massachusetts financial aid
can i get financial aid for traning programs
american indian financial aid
canadian higher learning financial aid
alaska medical financial aid
college financial aid forms

Other sites that feature consolidating student loans

1. uk consolidating student loans
uk consolidating student loans : Yes4Loan.com - Find Cheap Loans has found providers based on your loan search uk consolidating student loans : We have listed a selection of providers based on your ...
http://www.yes4loan.com/u ...ng-student-loans.html

2. www.consolidating-student-loans.com
consolidating my student loans Are you in search of the best site to use for consolidating student loans? Check out our site and let our specialists help you do just that. We offer competitive ...
http://www.consolidating- ...-my-student-loans.htm

3.
Consolidating Student Loans Consolidating Student Loans Consolidating Student Loans Consolidating Student Loans Consolidating Student Loans Should you consolidate student loans? - Aug. 18, 2003 Dear ...
http://www.nationwide-loa ...ng-Student-Loans.html

4. Student Loan Consolidation : Federal college student loan consolidation
... is issued, all of the outstanding balances of the loans you are consolidating are paid off. As a result, you will have only one FIXED RATE student loan to make payments on. What types of loans may I ...
http://www.student-loan-consolidation.us/

5. Federal Student Loan Consolidation - Consolidating Student Loans
Consolidating Student Loans Consolidating student loans is the way to go. Join the crowd and lock in your low fixed rate for the lifetime of your term when you go about consolidating student loans ...
http://www.federal-studen ...ng-student-loans.html

6. Search Results - loans
... Debt Consolidation; Loan Calculators; Mortgages; Student Loans; Financial info and resources (0.201) Bad Credit? Need Home Loan? No Problem. Homeowners! Less-than-perfect credit? Average credit ...
http://www.becomers.com/s ...loans&aff=1400&saff=0

7. Consolidating Student Loans - The FAB Finance Portal
LOANS NextStudent - Cut your monthly student loan payment Consolidating Student Loans Should I be consolidating my student loans even though IÃm able to make my current repayments? Student loan ...
http://www.qt.org/loans/consolidating-student.html

8. consolidating student loans
www.consolidating-student-loans.net Home | consolidating student loans | consolidating student loans Looking for consolidating student loans? Check out our online store. We have a complete selection of ...
http://www.consolidating-student-loans.net/

9.
Consolidating private student loans Home private student loans private education loans private school loans private educational loans student loans private consolidate private student loans private ...
http://private-loans.rela ...te-student-loans.html

10. Personal Finance Planner | American Institute Financial Planners | Consolida...
... Government Funded Student Loans Bank or Credit UnionSeptember.19 Banks are not the only institution where you can rest your money. Credit unions are also another alternative to traditional banking ...
http://englandbankof.net/ ...l-finance-planner.htm

11.
Consolidating student loans Home student loans refinance defaulted student loans consolidating student loans student loans bad credit pay off student loans low interest student loans international ...
http://cheap-student-loan ...ng-student-loans.html

12. Consolidating Student Loans May Save Thousands
Consolidating Student Loans May Save Thousands Consolidate Debts Credit Counseling Debt Consolidation Releases Resources CDI Releases : Consolidating Student Loans before rates rise may save ...
http://www.consolidate-de ...udent-loan-id003.html

13. Credit Card Debt Consolidation Management, Counseling and Negotiation
:: RESOURCES :: Debt Consolidation Low Rate Mortgages Stop Foreclosure Credit Repair Credit Cards Credit Reports Tax Debt Relief Mortgage Calculator Fast Cash Car Loans Creditor Harassment Help What ...
http://www.creditanddebt. ...=10278865&PID=1447143

14. how to consolidating student loans
how-to-consolidating-student-loans.loan-page.biz - how to consolidating student loans Search for how to consolidating student loans personal school loans fixed adjustable mortgage rate articles law ...
http://how-to-consolidati ...-loans.loan-page.biz/

15. The Princeton Review - Financial Aid and Student Loan Information from The G...
... program developed to help student loan borrowers more easily ... existing variable rate federal loans into one new loan, locking in ... the repayment term. By consolidating through The Graduate Loan ...
http://www.princetonrevie ...e/glc.asp?lenderID=10

16. Consolidating Student Loans - Free Information
Consolidating Student Loans Consolidating Student Loans Information: Student consolidation loans Directory of school lenders offering online student loan applications for government approved private ...
http://www.1st-for-loans- ...ng-student-loans.html

17. consolidating federal student loans - Get A Great Loan Online
Get A Great Loan Online We have put together a great resource for people searching for information on consolidating federal student loans. Our staff at Get A Great Loan Online has put together this ...
http://www.getagreatloano ...al-student-loans.html

18. How to consolidate your online loan
... any kind of debt, such as student loans, any type of home ... solution with Countrywide Loans. Click here for a fresh start ... in your monthly payments by consolidating all your loans into only ...
http://www.therefinancece ...oan_consolidation.htm

19.
Search for Consolidating private student loans Home private student loans private education loans consolidate private student loans private school loans loans private private loans for consolidating ...
http://private-loans.teen ...te-student-loans.html

20. consolidating federal student loans - mortgage, refinance, home equity, debt...
consolidating federal student loans Best Resource For consolidating federal student loans You are Here > Mortgage Refinance Loans Rates > federal loans > consolidating federal student loans ...
http://www.mortgagerefina ...al_student_loans.html

Only Drills!
The largest selection of information about drills, power drills, cordless crills, pneumatic drills, drill bits, and boring machines.
http://www.OnlyDrills.com