Guide to Education Grants

Having a tough time coming up with great gift ideas for the college student in your life? Here are some great ‘college student approved’ gift ideas that make the perfect gift for any student!

 
The Deluxe Mini Fridge with Digital Thermostat

Having a stockpile of caffeinated drinks on hand is essential for the busy college student. Highly desirable items like energy drinks and iced coffees are fair game in the common refrigerator, making the personal mini-fridge almost a necessity. And although colleges often allow students to rent mini-fridges for the semester, these rentals are usually anything but cool. The mini-fridge can be used throughout the dorm days and as well in the office or cubicle after graduation.

 
Laptop
If you’re looking for a gift that your college student will absolutely love – a laptop is the answer!  Having the ability to study and work anywhere at anytime is an advantage that every college student can benefit from. Apple enthusiasts and artistic students will likely enjoy the MacBook or MacBook Pro. Those who prefer the PC will enjoy top sellers like the Dell Inspiron or the HP Pavillion. A person’s choice of computer tends to be quite personal. You’ll want to make sure that the one you choose fits their needs and lifestyle. A few leading questions may be necessary for this one – but try not to spoil the surprise!

 
Noise Canceling Headphones
Dorms are noisy places with lots and lots of distractions. Combine this atmosphere with the looming deadline of a test or paper and you’ve got a recipe for frustration and disaster! Having a quiet, comfortable place to study doesn’t need to be a luxury with noise canceling headphones. Noise canceling headphones can range in price from $39.99 (Logitec) to $349 (Bose). To make sure the headphone you choose will do the job you intend, check independent reviews from online sites like CNet.

 
Ikea Gift Card
Dorm rooms are bland… bland… bland! And the broke college student living off campus often doesn’t have extra money to spend on fun things like decor. It’s important to create a living space that reflects our individual tastes and Ikea has something for everyone! With Ikea’s great prices and interesting, trendy collections, an Ikea gift card in any amount makes a great gift for college students.

 
Cell Phone and Family Plan
How did we ever live without cell phones? Whether it’s a cell phone for a student who’s been getting by without one, or an upgraded model, a cell phone is always a welcome gift (plus – it may encourage your student to call you more!) AT&T has some great family plans with lots of minutes for cheap, plus roll over minutes that carry over to future months if your family doesn’t use them up every month.

Gift Guide for College Students

5 Greatest Geek Gifts

Top 5 Gifts for Business Majors

5 Creative Gifts for Arts and Design Majors

Top 5 Gifts for Any College Student

Broke Student Gift Giving Ideas

Holidays can be stressful times for broke college students that feel the pressure of giving gifts to a long list of friends and family.  However, there are so many thoughtful ways to show someone how much you appreciate them without dropping a ton of cash.  Here’s a few gift ideas for the broke college student.

 
Scrapbook or Photo Album
Parents, siblings, relatives, and friends will all appreciate a photo album or scrapbook made especially for them.  Don’t worry about spending exorbitant amounts on special papers and die cutters.  A nice album and a few sheets of interesting paper that can be purchased by the sheet really add character and personality to an album.  Add your handwritten notes of the memories documented in the photos to make this gift truly special.

 
Photo Slideshow

For your friends that live online, an online photo slideshow from Slideroll makes a fun gift.  Slideroll’s free slideshow software allows you to create personalized photo slideshows set to music that can be posted on MySpace or YouTube or emailed to friends. 

 
Retro-Rad Thrift Store Finds
It’s funny how when something becomes so out of date… that it actually becomes cool again!  You can find some really unusual finds and great deals on retro-rad items by visiting your local thrift store.  How about those old clocks where the numbers flip as the minutes pass – it’s functional and a conversation piece!  How about a funky shaped lamp?  Try bringing it up to date with a can of crazy textured spray paint or covering it in a shellacked collage of funny pictures from magazines.  Your broke college friends will appreciate your creativity and resourcefulness!
 
Baked Goodies

It doesn’t take a ton of cash to make some yummy cookies or brownies.  Wrap them up in colored cellophane and create and print some interesting labels to make this gift truly personal.  This is a gift that everyone will appreciate, from dorm-mates to relatives across the country.

 
Music Mix Playlist

Create an MP3 playlist or burn a mix of the most memorable songs of the year to a CD (or tape if you’re feeling retro).  No doubt you can think of tons of great songs that chronicle the most hilarious, fun, difficult, and crazy times of the semester.  The best thing about a music mix is it’s a gift that will live on forever.

Gift Guide for College Students

5 Greatest Geek Gifts

Top 5 Gifts for Business Majors

5 Creative Gifts for Arts and Design Majors

Top 5 Gifts for Any College Student

Broke Student Gift Giving Ideas

Alia Sabur is a well known American child prodigy. Born in February of 1989, Alia was one of the youngest people to ever enter college. She attended SUNY Stony Brook at 10 years old, and graduated summa-cum-laude at age 14. She had also received a black belt in Tae Kwon Do at the young age of 9.  She was accepted to Drexel University to complete her Ph.D. degree at the age of 14 in the area of Material Science and Engineering. According to her website she had started walking and talking at 8 months old, and was reading full novels by age two.  She also began writing around the same time.  She had completed the entire elementary school curriculum by the end of kindergarten and completed the New York Stat math regents (grade 9) at eight years old.  Alia is also considered a musical prodigy, performing Concerto No. 1 and beginning clarinet studies with Ricardo Morales in 2000 at age 11.  In 2004 Alia was named the DDSEG (Department of Defense) Fellow, the youngest ever named.  

Kim Ung-Yong, a former Korean child prodigy was born in 1963 and had a record IQ of 210 on the Stanford-Binet test.  He began learning differential calculus when he was only three years old, and even solved complicated differential and integral problems on TV at that age.  Furthermore, he was also able to show his fluency in German, English, Korean, and Japanese at such a young age.  Kim was invited to the US to consult with NASA when he was 11 years old, and went on to get a Ph.D. in Physics from Colorado State at 15 years old.  Afterwards he began working for NASA and later, in 1978, continued his work in Korea.  While living in Korea he received an additional doctorate (in civil engineering) and currently serves as faculty at a small Korean University.Song Yoo-geun, born November of 1997 is perhaps the world’s youngest university student.  After passing two national exams (one for middle school and one for high school) in the same month he was accepted into Inha University in October of 2005.  He became even more famous after receiving certification in “information-processing,” an achievement usually given only to professional engineers in their late twenties or thirties.  He was 10 years old.  Song had been enrolled in a “prodigy school” until 2003, but had to leave because it did not offer him sufficient challenges.  During his pre-enrollment interview at Inha University, he demonstrated an understanding of the Schrödinger equation, differential equations, and quantum mechanical theory.

Tathagat Tulsi, born in 1987 in India is currently a scientist, but once held a Guinness World Record for being a child prodigy.  He was able to finish high school at nine years old, earning a Bachelors of Science at age 10, with a Masters in Science one year later. His concentration after that was in quantum computing and at the age of 17, a notable research paper brought him an invitation by Bell Labs to collaborate with Lov Grover (inventor of a quantum searching algorithm).   Tathagat was recently listed in Time magazine as a “superteen,” and in 2007 he was invited to an honorary dinner for Al Gore.

Balamurali Ambati M.D. is best known for becoming the youngest doctor ever. In 1995, at the mere age of 17 he graduated from the prestigious Mount Sinai School of Medicine in New York. He completed his residency in ophthalmology at Harvard University and a fellowship in cornea & refractive surgery at Duke Hospital. In addition, he has racked up numerous esteemed awards including, winning the Westinghouse Science Talent Search and becoming a National Merit Scholar. He is now faculty of the Medical College of Georgia where he practices clinical ophthalmology and leads research in areas including corneal angiogenenesis and the outcomes of corneal refractive surgery. In his free time he volunteers with ORBIS Flying Eye Hospital to provide ophthalmic care and teach medical professionals in developing nations.  

Sho Yano, born in 1990, may give Balamurali Ambati M.D. (above) a run for his money as the youngest doctor ever. He is currently a student in the MD/PhD program at University of Chicago. When Sho began to play Chopin on the piano at age 3 and reportedly scored over 200 on an I.Q. test his mother decided to home school him through the 12th grade level. At age 9 he was accepted into Loyola University Chicago and graduated summa-cum-laude at age 12.

Michael Kearney began to speak at the age of 4 months and by 6 months had a strong enough grasp on the English language to say to his pediatrician “I have a left ear infection.” Unfortunately, at a young age he was also diagnosed with ADD but of course this did not stop this child prodigy from achieving academic success. He finished high school at age 6, received an Associate of Science degree in geology at age 8, and a Bachelor’s degree in anthropology from the University of South Alabama at age 10, making him the worlds youngest university graduate. He received his first Master’s degree in biochemistry from Middle Tennessee State University at age 14. His thesis title was “Kinetic Isotope Effects of Thymidine Phosphorylase.” By taking a position at Vanderbilt University at age 16 Michael became the youngest person to teach at a college. To relax, Michael enjoys playing a few hands of Texas Hold’em Poker.Andrey Khlopin is a young child prodigy just beginning to gain attention. In 1997 he was born in Krasnodar, one of Russia’s southern regions. When he was only 4 years old a meteorite fell near his small village and this was enough to ignite his passion for astronomy. At age 9 this child prodigy was able to disprove a 150-year-old astronomical theory that explained how the asteroid belt between Mars and Jupiter was formed. Although Andrey is still attending school with children his age his homework never takes him more than 15 minutes, after which he prepares to give lectures at the near by Kuban State University. It will be exciting to watch Andrey mature.

Another Student Loan Resource:
Whether you’re making the trip home for a feast and four-day weekend with the family, or staying put and keeping it low-key with friends, frozen pizza, and a steady stream of college football, equip yourself with these feathered factoids, and you’re sure to take the Thanksgiving spotlight with your impressive command of fowl fable and lore.
 
Or with what is obviously your slightly freaky turkey fetish. Whatever works.
 

 
The Turkey Trivia Trove
 
Did you know that:
 

Turkeys can drown if they look up when it’s raining?
Turkeys have great hearing, but no external ears?
The fleshy growth from the base of the beak is called the snood?
Turkeys sometimes spend the night in trees?
The heaviest turkey ever raised was grown in England and weighed 86 pounds?
Only male turkeys make the familiar “gobbling” sound? (Females make a clicking noise.)
The turkey once vied with the bald eagle for the title of national symbol of the United States? Benjamin Franklin argued on behalf of the turkey.
Wild turkeys can run at speeds of up to 25 miles per hour and fly for short distances at up to 55 miles per hour?
Turkeys have heart attacks? (When the Air Force conducted test runs with jets that broke the sound barrier, entire fields of nearby turkeys would drop dead.)
 
For even more turkey “did you knows,” check out these websites:
 

Aristotle’s Thanksgiving on the Web Turkey Facts
Turkey Facts from InfoPlease
Turkey Trivia: Fun Facts About America’s Favorite Bird
 
 
Test Your Thanksgiving I.Q.
 
If you’d rather show off your towering turkey know-all by dominating the competition Jeopardy!-style, challenge your small siblings, vegan roommates, and other worthy adversaries with these Thanksgiving-themed quizzes:
 

Thanksgiving Pop-Culture Quiz from FamilyEducation.com
Turkey Day Quiz from InfoPlease
Aristotle’s Thanksgiving on the Web Turkey Trivia Quiz
 
 
465 Ways to Say “Thank You”
 
You may already know how to say “thank you” in Spanish, French, Italian, or German, but if you’re looking to extend your linguistic borders, try saying it in Welsh, Zulu, Thai, or any one of another 465 languages. Here’s just a small sample:
 

Arabic: Shukran
Chinese (Mandarin): Xie xie
Dutch: Dank u
Finnish: Kiitos
French: Merci
German: Danke
Greek: Efcharisto
Hebrew: Toda
Hindi: Shukriya
Hungarian: Köszönöm
Inuktitut (Alaska): Taikkuu
Irish Gaelic: Go raibh maith agaibh
Italian: Grazie
Japanese: Arigato
Korean: Komapsumnida
Lakhota: Pilamaya ye (said by a woman), Pilamaya yelo (said by a man)
Navajo: Aheéhee’
Polish: Dziekuje
Russian: Spasibo
Scottish Gaelic: Tapadh leat
Spanish: Gracias
Swahili: Asante
Swedish: Tack
Tagalog: Salamat
Thai: Khawp khun
Welsh: Diolch
Zulu: Ngiyabonga
 
 
 
Talk to the education finance advisors at NextStudent. They have all the information and advice you need on scholarships, federal student loans and affordable private student loans. Visit us at www.nextstudent.com
 
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It costs a lot of money to go to college. It costs even more money to run a college. And it’s costing increasingly more money to pay college and university presidents’ salaries and compensation packages, with many reaching the million-dollar mark.
 
According to The Chronicle of Higher Education’s most recent survey of executive compensation, salaries for presidents of private institutions has increased 200 percent over the last five years, with 81 presidents making more than $500,000 a year. Eight out of the 182 public institutions surveyed now pay salaries of at least $700,000, a jump from the two who reached that benchmark last year (“Presidential Pay is Increasing Fastest at the Largest Institutions,” Nov. 16, 2007). 
 
In some ways, the life of a growing number of college presidents can be compared to that of a U.S. senator. In addition to their high salaries, these presidents might receive free housing, cars, travel, meals and “gifts” from friends of the institutions.
 
But with yearly college tuition hikes outstripping both the rate of inflation and increases in financial aid, one of the questions becomes whether rising presidents’ salaries are contributing to rising tuition costs (see our Nov. 4 blog, â€œStudent Loan Debt Is on the Rise”).
 
A New York Times article by Jonathan D. Glater reports that families and lawmakers are concerned about these unfettered increases, questioning college and university presidents making millions even as students graduate with soaring levels of student loan debt (“Increased Compensation Puts More College Presidents in the Million-Dollar Club,” Nov. 12, 2007).
 
“The public has lost confidence in the altruistic mission of higher education,” says Patrick M. Callan, president of the National Center for Public Policy and Higher Education, in Glater’s article. “They see higher education as just another institution that’s in it for its own bottom line.”
 
 
Salaries on the Rise at Both Private and Public Schools
 
At private institutions, 81 college presidents earned $500,000 or more in the 2006 fiscal year, an increase of 15.7 percent from the previous year.
 
 

NOTE: Because some institutions changed Carnegie classifications, the number of institutions from which these data were collected changed from 670 last year to 654 this year. The statistics do not include special-focus institutions or the compensation of presidents who worked only part of the year.
 
Data and text courtesy of The Chronicle of Higher Education.
 
 
At public universities, the median total annual compensation in 2006–07 for the sample of 182 leaders was $397,349. The following chart shows how many presidents were in each of the $100,000 pay classifications.
 
 

 Data and text courtesy of The Chronicle of Higher Education.
 
 
Schools and Presidents Defend Their Pay
 
Officials at schools with some of the highest paid presidents argue that “running a large university is increasingly similar to running a corporation,” writes Glater. In fact, the Chronicle points out, more college presidents are coming from corporate environments.
 
School officials, Glater explains, maintain that generous salaries are necessary both to draw presidents that can operate under the corporate mindset needed “to help build institutional wealth and prestige” and to keep them from defecting to a higher bidding school once they’ve been hired—one-third of public college presidents have no formal written employment contract, according to the Chronicle.
 
For fear of being ousted as the next Benjamin Lander—the former president of American University who was fired for allegedly requesting more than half a million dollars business compensation for personal expenses—some presidents themselves want to make it clear that not all college heads abuse their compensation packages and expense reimbursements. For some presidents, their greatest yearly expense comes in the form of donations given back to their schools.
 
In another Chronicle article, reporter Piper Fogg interviewed five college and university presidents about how they spend their money. Although all of them admitted to some personal splurging, they also pointed out the thousands of dollars they give back to the schools they work for (“With All Those Perks, How Do College Presidents Spend Their Money?,” Nov. 16, 2007).
 
David Hodge, president of Miami University (Ohio), earns $399,005 per year, but has donated more than $100,000 in the last year to create need-based scholarships for his students.
 
Lois B. DeFleur, president of the State University of New York at Binghamton, might own a Piper Comanche 260C single-engine airplane that she bought over 30 years ago, but the school only reimburses her for mileage at the automobile mileage rate—she pays for the gas, $5 a gallon, out of her own pocket. And out of her $344,500 pay package, DeFleur has donated about $100,000 over the last five years to her school, as well as the $25,000 she received for winning the McGraw Prize in Education.
 
If college presidents are increasingly expected to operate as CEOs, Hodge and DeFleur certainly differ from typical corporate executives in what they voluntarily give back to their employers out of their own salaries. And while college presidents’ pay is rising rapidly, the Chronicle notes that compared with the salaries of corporate CEOs, college executive salaries still lag far behind.
 
As long as colleges and universities stay on their current path toward functioning as corporations, presidents’ salaries will most likely continue to climb—it will be for the schools, the students, and the public at large to see if they get the corporate-level college management that corresponds to the corporate-level pay.
 
 
 
Talk to the education finance advisors at NextStudent. They have all the information and advice you need on federal student loans, private student loans, and college scholarships. Check out www.nextstudent.com.
 
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If you’re in high school and looking ahead to college, you probably already know all about U.S. News & World Report’s annual “America’s Best Colleges,” which ranks colleges and universities around the country. These rankings can give you a great place to start, but if your college search revolves entirely around this list, you’re throwing yourself at the mercy of only one corporation’s definition of “best.”
 
The “best” school for a potential geneticist may have a stellar biosciences faculty but no intramural sports—if you’re an aspiring genetic engineer who unwinds with regular competitive basketball games, you might want to ask yourself if you would be happy there for four or more years.
 
If rankings are important to you in making your college decision, consider expanding your search to include other “best” lists that go beyond just academics, that might be able to give you a sense of the campus, the town, the personality of the students, and of whether or not you’ll fit in and enjoy your life there.
 
 
The Princeton Review Best Colleges: Students Rate Their Own Campuses
 
Find out what current students think about their own schools and get various bests (and worsts) for every personality type with The Princeton Review’s Best 366 Colleges. The 2008 edition of The Princeton Review’s annual rankings surveys more than 120,000 students on 366 campuses.
 
You won’t find any “top schools” overall here. As The Princeton Review explains in one of their answers to an FAQ, “We don’t believe that any one school is the best overall. … Some colleges in our book may be ideal for some students but wrong for others, depending on their interests and needs.”
 
Instead, the survey results serve up the top 20 schools in each of 62 categories like:
 

Best Campus Food: Virginia Tech (Blacksburg, VA)
Is It Food?: U.S. Merchant Marine Academy (Kings Point, NY)
Dorms Like Palaces: Smith College (Northampton, MA)
Dorms Like Dungeons: U.S. Coast Guard Academy (New London, CT)
Best Classroom Experience: Reed College (Portland, OR)
Most Long Lines and Red Tape: Tuskegee University (Tuskegee, AL)
Biggest Frat & Sorority Scene: DePauw University (Greencastle, IN)
Students Most Nostalgic for Ronald Reagan: Warren Wilson College (Asheville, NC)
Students Most Nostalgic for Bill Clinton: Thomas Aquinas College (Santa Paula, CA)
Most Diverse Student Body: Temple University (Philadelphia)
Most Birkenstock-Wearing, Tree-Hugging, Clove-Smoking Vegetarians: Hampshire College (Amherst, MA)
Best College Radio Station: St. Bonaventure University (St. Bonaventure, NY)
Where Intercollegiate Sports Are Unpopular or Nonexistent: New College of Florida (Sarasota, FL)
Where Students Pack the Stadiums: University of Maryland (College Park, MD)
 
You can find the complete Princeton Review student rankings free online, or buy a copy of the book (list price $21.95). In addition to the rankings and two-page profiles on each of the 366 schools, the book version has a new section with lists of “Great Colleges for 15 of the Most Popular College Majors.”
 
 
Other Online Resources and Rankings
 
For more student rankings and other “best” categories, check out these sites:
 

Campus Dirt’s Top Ten Lists: Toughest Classes, Easiest Freshman Parking, Most “Wired” Campus, Most Options for Late-Night  Food, Where Lectures Are Related to the “Real World,” â€¦
Students Review: University & College Rankings: Top Engineering Schools, Top Schools for Smart People, Top Creative Schools, Top Ivies, Biggest Reputation, â€¦
College Rankings by College Prowler: Grades schools A through F on things like parking, nightlife, weather, guys, girls, campus strictness, and local atmosphere
The Templeton Guide to Colleges That Encourage Character Development: 405 exemplary programs in 10 categories like Volunteer Service, Academic Honesty, Spiritual Growth, and Civic Education
 
 
 
First-Hand Accounts and Campus Tours
 
Besides doing your reading and online research, ask around. Your friends may know former students who can give you a first-hand opinion of the school you’re interested in.
 
One of the best ways to get a feel for a campus and the student life is to visit. If you can’t afford the travel costs to check out the campus for yourself, try a virtual campus visit at CampusTours.com or College-Visits.com to get a better feel for what your college life might actually be like once you’re on campus.
 
 
 
Talk to the education finance advisors at NextStudent. They have all the information and advice you need on federal student loans, private student loans, and college scholarships. Check out www.nextstudent.com.
 
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To smoke or not to smoke? That isn’t so much the question anymore as, Where art thou, Legally Sanctioned Smoking Area? And the answer to that is harder and harder to find as the number of smoking bans increases across both the country and college campuses.
 
According to the American Nonsmokers’ Rights Foundation, as of October 1, 2007, there are 95 colleges and universities nationwide with campus-wide smoke-free policies, and almost another 300 with partial bans that prohibit smoking in all residential housing (“U.S. Colleges and Universities With Smokefree Air Policies,” Oct. 1, 2007). 
 
The most recent additions to the list include schools in New Jersey, Indiana, and Georgia, and with this November 15th representing the 31st anniversary of the national Great American Smokeout, the American Cancer Society Cancer Action Network is pushing for more schools to follow suit, reports Judy Fortin for CNN (“Smoke-Free College Trend Growing,” Nov. 12, 2007).
 
 
A Battle Against Statistics
 
Smoking rates in the United States are highest among college-age students, Fortin notes, with college students smoking more even as all other age groups cut down on their tobacco use. But anti-smoking students, administrators, and other advocates continue to push for their cause.
 
“Students form lifelong habits in college, so reducing their exposure to cigarettes may have a lasting effect,” writes Emily Bazar for USA Today, quoting Besty Foy of the American College Health Association (“More Colleges Banning Smoking,” March 1, 2007).
 
“If you’re not allowed to smoke on campus, if you can’t buy tobacco products on campus, it will definitely deter some students from smoking,” says Foy. 
 
 
The Non-Smoking Campus: Healthier But Less Safe?
 
Advocates for campus smoking bans argue that the average student and especially those students plagued with asthma or other chronic lung problems have the right to a healthful environment at school.
 
When a campus is smoke-free, “it’s just a healthier place to be,” says Martha Nesbitt, president of Georgia’s Gainesville State College, in Fortin’s article. Gainesville State is in its fourth year of a campus-wide ban on all tobacco products.
 
“As you go in a building,” says Nesbitt, “you’re not going to have to go through smoke. When you walk out, you don’t see cigarette butts littered around. It’s just a cleaner, healthier campus.”  
 
For college smokers, on the other hand—and according to the 2006 National Survey on Drug Use and Health, that’s 28.4 percent of full-time college students and 43.5 percent of part-time students—school smoking bans don’t just raise an issue of infringement on personal freedom, they could compromise student safety on campus.
 
New Jersey’s Bergen Community College, which was scheduled to pass its proposed campus-wide smoking ban last month, has a 167-acre campus, meaning students may have quite a long walk for a smoke break.
 
Michael McFadden, a smokers’ rights advocate in the area, says the proposed ban would create safety issues for the school’s students, forcing them off campus.
 
“It can put the student in a dangerous situation,” says McFadden, in an article by Patricia Alex in Drexel University’s The Triangle. In McFadden’s view, Alex writes, “the bans amount to social engineering that is more Orwellian than American” (“New Jersey College Passes Campus Wide Smoking Ban,” Oct. 19, 2007).
 
Student smokers who live on campus find the bans to be particularly unfair, considering these injunctions prohibit them from exercising a personal choice within or near their own residence.
 
“I can vote for president of the United States. I can go to war,” says Alex Eukmer, a student at Indiana University in Bloomington, in Bazar’s USA Today article. “But I can’t necessarily smoke a cigarette because they’re afraid I’ll make a bad choice?”
 
But for a growing number of college administrators, it’s not a question of good or bad student choices, but of the choice the school itself wants to make when it comes to smoking.
 
“We want our institution to make a statement about doing the right things when it comes to good health,” says Chuck Kupchella, president of the University of North Dakota, in Bazar’s article. He sums up the nationwide college smoking debate bluntly: “Smokers still will have rights, but just not on our campus.”
 
 
 
Talk to the education finance advisors at NextStudent. They have all the information and advice you need on college scholarships, federal student loans, private student loans, and student loan consolidation. Visit us at www.nextstudent.com.
 
Student Loan Girl
 
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