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College is expensive but money is available to help you pay the way! By doing a little research and filling out a few forms, you can find money through scholarships, grants, loans, and tuition assistance such as work study.

Scholarships

There are more than one million scholarships available each year to reward students who have distinguished themselves academically, athletically, musically, or in some other way. Scholarships pay for some or all of a student’s college costs through cash or tuition reimbursements.

The primary government counterpart for scholarships is the Reserve Officers’ Training Corp (ROTC) program. Through ROTC, military branches offer full scholarships to students who agree to serve in the military for a certain number of years after graduation. Religious groups, professional associations, and civic organizations are other sources of scholarships.

Grants

Grants are financial aid awards that do not need to be repaid. There are Federal, state, and private grants available.

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Federal: There are two main types of Federal grants:

The Pell Grant is the largest federal grant program. It provides up to $3000 per year based on financial need

The Federal Supplemental Educational Opportunity Grant provides from $100-$4,000 per year, depending on when you apply, your level of need, the funding level of the school you’re attending, and the policies of the Financial Aid Office where you attend school
Special grant programs through the National Health Services Corps and the Armed Forces are available for students entering the health and medical field.

State: All states provide some type of grant, scholarship, or tuition assistance programs.

Your state’s higher education agency can give you information about state grants, including the State Student Incentive Grant (SSIG) Program. This program is funded jointly by individual states and the U.S. Department of Education.

Private: Many private grants are available. Your university may offer institutional grants from its own resources.

Loans

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Once you have exhausted all the scholarships and grants available to you, it is time to look at loans. Federal loans are the largest source of financial aid available. Check the information below for information about the major types of Federal loans:

A Perkins Loan is need-based and you must be at least half-time student. The interest rate is fixed at 5 percent and you can borrow up to $3,000

A Subsidized Stafford Loan is need-based and you must be at least half-time student. The interest rate is variable with 8.25% cap. You can borrow up to $2,625 year 1, up to $3,500 year 2, and $5,500 for years 3-5

An Unsubsidized Stafford Loan is available for any student who is at least a half-time student. The interest rate is variable with 8.25% cap. You can borrow up to $2,625 year 1, up to $3,500 year 2, and $5,500 for years 3-5

A Parent PLUS Loan is for the parent of a dependent attending at least half-time. The interest rate is variable with 9% cap and it can cover the cost of attendance less total financial aid offered. It is available year round and can even pay for back expenses.

If you don’t qualify for Federal loans, private loans are also available through banks and credit unions.

Work Study

The Federal Work-Study Program provides jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses.

So how do I get all this financial aid?

Your first step in applying for any government money, whether federal or state, is to complete the Free Application for Federal Student Aid (FAFSA). For more information about the FAFSA and how to apply, you can visit NextStudent’s FAFSA On The Web section located here: https://www.nextstudent.com/fafsa/fafsa.asp.

Other ways to find out about financial aid sources include:

Check with state agencies in both your home state and the state in which you will attend college to find out about grant opportunities
Check with your college Financial Aid Office about institutional grants and scholarships
Check with your high school career counselor about grants and scholarships you may be eligible for
Search the internet for student loans, scholarships, and other financial aid opportunities
Check with the your parents’ employers to see if they offer any scholarships
Check with the advisors of any clubs you belong to, about scholarships that might be available
As you can see there are many ways to get money for school. Make sure you cover all bases and try to get the free money first, and use student loans if the need arises, and you will end up paying for school in the most efficient manner possible.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we’re dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about how to get money for college at NexStudent.com.

About The Author

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Vanessa McHooley from SanDiego California.

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Geomag Magnetic Toys

 by: Anton Komarov

There are many different types of magnetic toys that can be purchased for children. Most of these toys are extremely fun for children as well as adults. Many of these toys are also educational in addition to being fun, which is great for parents who enjoy educating their children in entertaining ways. Magnetic toys can be purchased from toy stores, educational stores, and online.

Educational magnetic toys can be very useful in the lives of children. They can teach children about geometrical shapes, building structures, magnetism, and the effects of gravity. Most of these magnetic toys are only recommended for children who are five years of age or older. Magnetic toy kits may contain small parts that could be hazardous to small children if swallowed. Therefore, it is best to purchase these toys for older children.

There are a few different types of magnetic toys that can be purchased. One of the most popular types is Geomag. Magz are also popular and are very similar to Geomag. Both of these products can be used to create magnetic structures. Frigits are an example of a different type of magnetic toy because they are used to construct marble courses on a magnetic surface instead of structures.

Geomag is a magnetic toy kit that allows children to build various magnetic structures. It comes with different magnetic shapes, including steel balls and bars for building. The magnetic pieces in each kit are strong, so structures can stay intact, but they can also be put together and taken apart easily. Geomag toys are made in Switzerland and are known to be very durable and high in quality.

There are a few different types of Geomag kits, including a 132 color piece set, a 184 color piece set, a 184 piece glow-in-the-dark kit, a 20 sample size set, and an 86 piece magnetic construction set. You can also purchase a panel kit that includes additional magnetic shapes such as diamonds, squares, triangles, and pentagons. The panel kit can be used in conjunction with any other type of Geomag kit.

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Magz magnetic toy kits are similar to Geomag kits because they contain magnetic bars and steel balls for building structures. The basic set includes 56 pieces so you can build small structures. If you need more pieces to make medium or large structures, you can purchase a Mega Magz set which includes 130 of the same magnetic pieces.

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Magz sets are unique because each kit comes with different shapes, sizes, and colors of magnetic pieces. The DynaMagz kit has a variety of unique shapes and the Magz X kit has X shapes in addition to the regular shapes. In order to build larger, sturdier structures, you can also purchase a Super Magz kit which contains more pieces and larger bars and balls than other Magz kits.

Frigits magnetic toys allow children to construct marble courses on a vertical, magnetic surface. The pieces in a Frigits kit will work best on flat surfaces such as a refrigerator or filing cabinet. Each Frigits kit comes with magnetic rails, buckets, chutes, a catch box, and a ferris wheel. Children can position these pieces in any fashion that they desire on a magnetic surface. After creating a course, kids can enjoy watching a marble tumble through the formations that they have built.

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