Federal loans to students in United States

Federal loans to students in United States

Federal student loans in the United States are authorized under Title IV of the Higher Education Act as amended.

These loans are available to college and university students via funds disbursed directly to the school and are used to supplement personal and family resources, scholarships, grants, and work-study. They may be subsidized by the U.S. Government or may be unsubsidized depending on the student's financial need. The U.S. Department of Education published a booklet comparing federal loans with private loans. In this same document, the government describes what you may use the loan for:

You may use the money you receive only to pay for education expenses at the school that awarded your loan. Education expenses include school charges such as tuition; room and board; fees; books; supplies; equipment; dependent childcare expenses; transportation; and rental or purchase of a personal computer.

Both subsidized and unsubsidized loans are guaranteed by the U.S. Department of Education either directly or through guaranty agencies. Nearly all students are eligible to receive federal loans (regardless of credit score or other financial issues). Both types offer a grace period of six months, which means that no payments are due until six months after graduation or after the borrower becomes a less-than-half-time student without graduating. Both types have a fairly modest annual limit. The dependent undergraduate limit effective for loans disbursed on or after July 1, 2008 is as follows (combined subsidized and unsubsidized limits): $5,500 per year for freshman undergraduate students, $6,500 for sophomore undergraduates, and $7,500 per year for junior and senior undergraduate students, as well as students enrolled in teacher certification or preparatory coursework for graduate programs. For independent undergraduates, the limits (combined subsidized and unsubsidized) effective for loans disbursed on or after July 1, 2008 are higher: $9,500 per year for freshman undergraduate students, $10,500 for sophomore undergraduates, and $12,500 per year for junior and senior undergraduate students, as well as students enrolled in teacher certification or preparatory coursework for graduate programs. Subsidized federal student loans are only offered to students with a demonstrated financial need. Financial need may vary from school to school. For these loans, the federal government makes interest payments while the student is in college. For example, those who borrow $10,000 during college will owe $10,000 upon graduation.

Unsubsidized federal student loans are also guaranteed by the U.S. Government, but the government does not pay interest for the student, rather the interest accrues during college. Nearly all students are eligible for these loans regardless of demonstrated need. Those who borrow $10,000 during college will owe $10,000 plus interest upon graduation. For example, those who have borrowed $10,000 and had $2,000 accrue in interest will owe $12,000. Interest will begin accruing on the $12,000. The accrued interest will be "capitalized" into the loan amount, and the borrower will begin making payments on the accumulated total. Students can choose to pay the interest while still in college; however, few students choose to exercise this option.

Federal student loans for graduate students have higher limits: $8,500 for subsidized Stafford and $12,500 (limits may differ for certain courses of study) for unsubsidized Stafford. Many students also take advantage of the Federal Perkins Loan. For graduate students the limit for Perkins is $6,000 per year.

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Countries "Most Light" In The World

Tokyo, Japan



This city looks very bright at night. City with a population of 33 million people also has its own uniqueness which attract many tourists.

London, England



This city is 2000 years old, but does not lose its beauty especially at night. This City even has 20 tourist places that only open at night.

Moscow, Russian Federation



The capital and largest city in the Russian Federation has an unparalleled ability to
reinvent itself every few decades. There were
regular clubs, bars, lounges, casinos, billiard
room, restaurant, tour the city at night, and more.

New York City, USA



New York City is not only a city that has the effect of extensive financial and commercial but also known for its cultural influence and significance. Known as the center of the Jazz world, the city offers an amazing life experience.

Paris, France



Paris has long been one of the most popular tourist destinations in the world, its architecture and cultural sites that attract more than 30 million foreign visitors every year. Paris at night in Paris, they say, all your dreams come true.

Madrid, Spain



Beauty city of Madrid lies in the decision to retain the look and feel of the environment and the history of the city streets.
One of the best nights in Madrid is to spend
time with listening to music, either in concert or in the park, sounds of the city always creates a pleasant atmosphere for a night out.

Athens, Greece



Athens did not forget the phenomenal cultural legacy of the city-state of Athens in antiquity. Athens at night will make you amazed by its beauty. like a living monument, city may be common at night, but became greatly changed at night.

Beijing, China



Beijing has two conflicting sides in history, a
beautiful and more bloody. The city is changing
so drastically in just a few dekade. Beside was spending time at night in Beijing is also not bad.

Las Vegas, USA



Las Vegas, dubbed the Entertainment Capital of the World, is famous for the number of casino resorts and entertainment facilities at night. This City is full of sin as well as beautiful.

Hong Kong, China



Hong Kong known for its vast city landscape and natural setting is good. Hong Kong is one of the center of the world's capital of finance,
business and cultural center in asia.

Best Country and Worst Country of The United Nation Organisation Version..

According to "Human Development Report
2010" published by the United Nations Development Programme (UNDP), Thursday,
November 4, 2010. The annual report provides a ranking of Human Development Index (HDI) to the 169 countries surveyed.

The study was based on the level of wealth,
poverty, health, gender equality, political
freedom and education of the countries
concerned. Countries that have the greatest
score is considered as the best place in the
world, according to UNDP.

According to the annual reports of UNDP be at
the site, the stage is again occupied by Norway.
During the eight years since 2001, countries in northern Europe was hailed as the best country.

Norway recrowned as the country with the
best quality of life in the world. In contrast,
Zimbabwe's most recent position.

According to UNDP, Norway has the highest life expectancy over 81 years and has an average annual income of U.S. $ 58.810. Actually, for the category of highest-income countries Norway is still inferior to the state mini-Liechtenstein (U.S. 81,011).

For the category of countries that have the
longest life expectancy, Norway could not even beat Japan, which is 83.6 years. However, if you see all the categories, Norway is still better than than other developed countries.

Under Norwegian, there is Australia, followed by New Zealand, the United States and Ireland.

Meanwhile, Zimbabwe ranked bloated, and
topped by a fellow African countries, namely
Burundi, Niger and the Democratic Republic of
Congo. Differ greatly with Norway, the level of life expectancy in Zimbabwe is 47 years and annual per capita income country average of only U.S. 176

"Countries that give lessons on the adverse
impact of the conflict, epidemics of AIDS, and
poor economic management and political," said the head of UNDP, Helen Clark.

"This Human Development Report has changed
the way we view the world," said UN Secretary General Ban Ki-moon. "We realize in spite of economic growth is important, but most important is the use of national income to give people the opportunity to live longer, healthier and more productive," said Ban.

In the last 20 years, UNDP publishes an annual
report that routine.

Road in North Korea

Highway in North Korea is very wide and quiet automobile. The plane can land on the highway. You can even see kids playing in the
middle of the highway. Security on the highway is a problem, because children and elderly people often cross the street without even looking at vehicles coming.

The only vehicles that sometimes you see is a
military vehicle. Almost all of the meet up to the curb, breaking down because of damage. Or you can also see the latest Mercedes-branded luxury vehicles owned by the North Korean government officials, racing at high speed !!

"Every Sunday, in Pyongyang, the North Korean
capital, banned cars out onto the street, only
military vehicles and government officials are
allowed. The reason is to prevent the pollution!"
According to the narrative of the photographer Eric Lafforgue ever visited North Korea several times.

The whole traffic officer in Pyong Yang performed by young women. because no traffic lights there.

Guess the picture above ... is it the airfield or the highway??

The Shortest Bridge Connecting Two Countries

The two islands are close together turned out
to be in two different regions. A large island
located in the territory of Canada who is a
small island located in the United States.
Interestingly the two islands are connected by
different countries throughout the 10-meter bridge. This is the smallest or shortest international bridge in the world.

'Couple' of the island is located near Rockport
called Zavikon. Two of the island, including the
'thousand islands' located in the Gulf of Saint
Lawrence River in Alexandria, the US-Canadian border.

Approval of these boundaries have been
agreed between the two countries-the U.S. and Canada, since 1793. But the two countries
decided not to divide the two islands on the
border. Approximately two thirds of the island
located in the territory of Canada, 1 / 3 it was in America. U.S. or Canada, consider their position equivalent in terms of ownership of the island.

But for this tour is the 'advantage' because of
the existence of two islands in terms of tourism is becoming a very unique and attractive 'sold'.
The tour guide wanted to bridge the world's
smallest known to international audiences.

Big island it claims as the Canadian built houses, while small islands who was part of America, serves as the backyard.

Holiday to Scotland

Scotland, or Alba in Scottish Gaelic language,
were once an independent kingdom in the north island of Great Britain. On March 26, 1707.
Scottish Government together with the British
government, which would become "the British"
and finally "Government Association of Great Britain and Northern Ireland". In 1999, the Scottish have their own parliament and government.



1. Crathes Castle,
Crathes Castle Buildings, near Aberdeen, started in 1553 and lasted 43 years. famous park walled garden is divided into eight themed areas separated by the Irish yew hedge, some of which more than 300 years.



2. Eilean Donan Castle,
Eilean Donan Castle perched on an island at the confluence of three lochs in western Scotland. The first fortress island is the stronghold of the early 13th century, built to fight the raiding Vikings, this building has been rebuilt several times. The most recent was completed in 1932.



3. Loch Ness,
More than a thousand people claim to have seen an unidentified creature a quick break on the surface of Loch Ness, then disappeared. This legend becomes a legend of the Loch, Loch Ness is slightly smaller at the surface, deeper than Loch Ness Loch Lomond in its south.

Believe it or not there is a creature believed to be a legend here that supposedly is a very
large creature similar dinosaurs. Believe it or
not handed over to visitors.



4. Scottish Sheep,
Many grasslands in Scotland. Many are also grazing sheep, but there is less secure so many fences built to protect the sheep - the sheep owners.



5. Edinburgh Castle,
Castle rock that rises vertically above the Scottish city of Edinburgh, probably first presented as a strategic stronghold about 850 BC For the last thousand years has been the site of Edinburgh Castle, thick-walled fortress in the middle of almost every major conflict in the history of Scotland.



6. Edinburgh,
lights brighten the capital of Scotland, Edinburgh, at dusk. Most people in Scotland live here, in the lowlands where the Edinburgh and Glasgow are.



7. Highland Dancer,
a traditional dance performed by men, however the current Highland dance is more often done by women.
For this dance needed a strong force, precision positioning, and arm-and footwork meticulous.
Complicated game songs are composed by one family in the 16th century.



8. Puffin,
Every spring nearly a million puffins arrive at the cliffs west coast of Scotland to spawn. The birds, with half of the colorful and sad expression, can be seen bolted to / from the sea, dulling the fish to eat.



9. Church of Saint Mungo, Glasgow
This statue is in the Church of St. Mungo Glasgow, named for the patron saint of the city. The church is down the road from Glasgow Gothic Cathedral, dubbed the Cathedral of St.Mungo's because in the sixth century was the first church.



10. Whisky Distillery,
Producing Scotch whiskey is a national tradition that makes proud. In fact,
the word "whiskey" comes from the Scottish
Gaelic uisge beatha, an adaptation of the Latin
phrase aqua vitae, meaning "water of life."
Scotland has more than a hundred distilleries, and each endeavored to produce its own
distinct flavor. Below are pictures of attractive taste barrel samples of the Bruichladdich distillery on the Isle of Islay.



11. Skara Brae, Orkney
A natural site in 1850, when a strong storm hit the Orkney Islands, remove the dunes and expose waste Skara Brae settlement. Then use the express complex now excavated stone houses connected by walkways. Age around 3200 and 2500 BC This is considered the best Neolithic village ever found in Europe north and a World Heritage site.


12. Isle of Lewis
West coast of the Hebrides is dominated by coral, rocky cliffs and the waves of the Atlantic. It is also a place of ancient stone circle. Inland is a fertile soil, peat vast plains, and in the southern hills. Low populations and diverse habitats make a site's main island of Scotland.

San Marino, a Small Country That Has No Flat Land

Republic of San Marino is the fifth smallest
country in the world and surrounded by Italy
precisely in the north bordering the province of Rimini, Emilia-Romagna region and in the
southern province of Pesaro and Urbino, region Marche.

San Marino is the oldest constitutional republic in the world, was formed on 3 September 301 by Saint Marinus of Rab, a Christian stonemason who fled at the time of religious persecution by the Roman Emperor Diocletian.
San Marino constitution enacted in 1600, is the world's oldest constitution still in effect.

San Marino is an enclave in Italy, bordering the region of Emilia-Romagna and Marche.
Topography is dominated by the Apennine
Mountains. The highest point in this country is
Mount Titano, is situated at an altitude of 749 m above sea level. San Marino is the third smallest state in Europe after Vatican City and Monaco. San Marino has no level ground, 100% of this country lies in the mountains.

At the time of Italian unification in the 19th
century, San Marino serves as a refuge for
many people who dipersekusi for supporting
unification. Above this assistance, Giuseppe
Garibaldi San Marino received a request not to be incorporated into the new Italian state. Napoleon refused to seize the country. And
when asked why, he commented "Why, this
country is a model republic!"

Picture of Singapore 51 Years Ago....

Why was "Thailand Never Colonized Any Country" ??

Royal Thai is a place situated several different
geographical areas. To the north, the situation
is mountainous, and its highest point is Doi
Inthanon (2576 m). Northeast of Khorat Overlay, which bordered on the east by the Mekong river. Central region of the state-dominated Chao Phraya river valley that is almost entirely flat, and flows into the Gulf of Thailand. To the south there is a wide Isthmus of Kra to the Malay Peninsula.

The local climate is tropical and characterized
by monsoons. There are monsoon rains, warm
and cloudy from the southwest between mid
May and September, as well as a dry and cool monsoon from the northeast from November to mid March. Isthmus to the south is always hot and humid. Major cities in addition to the capital Bangkok include Nakhon Ratchasima, Nakhon Sawan, Chiang Mai, and Songkhla.

Royal Thai borders with Laos and Myanmar in
the north, with Malaysia and the Gulf of Siam in the south, with Myanmar and the East Sea in the west and with Laos and Cambodia to the east. Its geographical coordinates are 5 ° -21 ° N and 97 ° -106 ° East

Internal factors,
The King of Thailand at that time are open to the outside world. Already there are educated people in Thailand at that time was primarily a family-friendly of Kingdom. King's son, the royal family being sent abroad (to Europe) in order to seek knowledge, even bring in teachers from Europe to the kingdom to teach science

External factors,
The State of Thailand at that time became a buffer state (border) regions of the European colonialists, the British in the north and south, the French in Indochina and the Dutch in the Indies

Interesting and Shocking Facts About China's Country

1. Chinese man sentenced to death three times more than any other country in the world. There are three times more people were executed in China than in other countries put together, so at least the most recent estimates by the Amnesty International. The agency in 2008 as many as 1718 confirmed the death sentence of news reports and public records, but many more go unreported. Some analysts say the figure may be over 6,000. The actual number of state secret.
Execution is carried out on the streets a lot in a van dubbed the death van designed by Jinguan Motors. They claimed the van and shot execution is more civilized than being shot dead, after all the condemned to die faster, more clinically and safer. According to the replacement of the penalty shoot them with a lethal injection indicates China is now "promote" human rights.



2. More than 4,000 babies in China named "Olympic Games" (Olympic Games) when the country was preparing to hold the Beijing 2008. More than just a pride for China, Beijing Olympics become such an important part of the national consciousness to more than 4,000 babies were named after that great event.
Most of the 4104 children named "Aoyun,"
meaning Olympics, were born around the year
2000 when Beijing was trying to be accepted
to host the sporting event was the summer of
2008. Most of the children named Aoyun are male.



3. Every year in China spend 45 billion chopsticks. In China, every year, an estimated 45 billion pairs of chopsticks are used and discarded afterwards. It's the same with 1.7 million m3 of timber or 500 thousand trees annually.



4. 200 million Chinese live on less than $ 1 per day. Which belong to the poor in China are citizens whose income is below $ 1.25 per day.
In 1981 the average number of poor residents is 64% of the total population of China. This figure dropped to 10% in 2004, means the time span from 1981 to 2004 there were 500 million people who managed to get out of poverty.



5. More than 700 million Chinese drink contaminated water. China contributed to 20% of world population, but only 7% of world water resources. Unfortunately again, according to the World Bank, 90% ground water and 75% of urban rivers and lakes are polluted. This means 700 million Chinese drink contaminated water every day.



6. Ice cream and pasta probably first invented in China. Around 200 BC in China has created a kind of frozen milk and rice mixture is to be the forerunner of ice cream. Also in an archaeological excavation site in western China, found 4,000-year-old bowl of noodles, which showed China may first create a paste rather than Italy.



7. More than 50% of counterfeit goods in the European society come from China. As many as 54% of goods that violate copyright circulating in Europe was the main supplier is China. CD/DVD is the first ranking of counterfeit goods that is as much as 79 million copies, meaning 44% of the total number of counterfeit goods, followed by cigarettes (23%) and clothing and knick-knacks.


8. China is still not free from the plague of medieval Europe. In 2009 China put an end to quarantine a city in the northwest who attacked the outbreak of pneumonia (pneumonia).
Explosion of a highly contagious disease that
killed three villagers in the surrounding cities in the province Ziketan Qing-Hai. Outbreaks of the disease was sporadic outbreaks in China,
especially spread by rodents and fleas, as well as easily transmitted between humans.



9. By 2025 China will have to build 10 cities the size of metropolitan New York. Scale and move the Chinese urbanization will continue at a pace that is unprecedented. If such trends persist now, China's urban population will swell from 572 million in 2005 to 926 million in 2025 and will reach 1 billion in 2030. So within 20 years China's urban population will increase by 350 million more than the entire U.S. population today By 2025 China will have 219 cities over 1 million inhabitants. Also to be built 40 billion m3 of floor space in 5 million buildings. 50,000 of these buildings are skyscrapers the equivalent of 10 city of New York.