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May02
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Grants and Scholarships for Cardiovascular Technicians

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Grants and Scholarships for Cardiovascular Technicians

A job as a cardiovascular technician requires an associate’s degree in the field.

The expense of acquiring an education in the field can be greatly reduced with the help of scholarships or grants. If you are looking for Grants and Scholarships for Cardiovascular Technicians, the following are some you can look into:

Minority Scholarships

Students from various ethnic backgrounds can look into several scholarships offered for their respective ethnic affiliation. Examples are:

  • Indian Health Service (IHS) Scholarship Program: This scholarship is open to American Indian or Alaska Native students. The chosen recipient enjoys full coverage of tuition and other school fees. The scholarship was set up to help address the shortage of medical attention in reservations and tribal communities across the country.
  • Dr. Philip R. Lee Scholarship: The scholarship is open to qualified American Indian students enrolled in health careers. A tribe certification is required from applicants. The condition for scholarship is maintaining a grade average of “B” or better. The recipient can receive up to $2,800. Learn more from their official website.
  • The Gates Millennium Scholars Program: This is the portal to various scholarships geared towards helping students belonging to ethnic minorities. They have a wide variety of scholarships that you can access here.

Allied Healthcare Scholarship

Recipients of the Allied Healthcare Scholarship can receive up to $4,000, depending on his financial need. Requirements for qualification are:

  1. Enrollment in an allied healthcare degree program in any California-based colleges or universities is a must.
  2. The scholarship is granted under the condition that the successful applicant serves for at least two years in a qualified medical facility in California. At least one year or 100 volunteer hours will be spent working in underserved area within the state.
  3. Applicants must not have any other obligation to render voluntary service.
  4. Applications must be submitted by the yearly deadline.

Official site: http://www.oshpd.ca.gov/HPEF/AHS.html

Scholarship of Excellence Award

The Association of Schools of Allied Health Professions awards $1,000 to a chosen recipient. In order to qualify, applicants must meet the following requirements:

  1. Must be enrolled in an allied health course in ASAHP-accredited schools.
  2. Proof of outstanding academic performance
  3. Proof of active and significant community involvement.

This scholarship is not need-based and seeks to recognize excellent performance among students of allied healthcare degrees. Are you an excellent student? Then you’ll definitely want to look into this scholarship!

 Tylenol Future Care Scholarship

The makers of the popular painkiller, Tylenol, give recognition to outstanding healthcare students who do well in school as well as in the community through this scholarship. Learn more about the scholarship at their official website.

American Society of Electroneurodiagnostic Technologists Foundation Grants

The ASET Grants is available to any student who is enrolled full time in any degree program accredited by the Commission on Accreditation of Allied Health Education Programs (CAAHEP). Medical personnel who wish to enroll in a 2-year junior college or 4-year college degree can also apply for a tuition grant. A grant may be anywhere between $500 to $1000.

Factors that are considered for qualification are:

  1. Student’s desire to work in the neurodiagnostic field.
  2. Consistent good performance in school with good grades to show for it.
  3. Reference and recommendations from teachers.

Scholarships for Disadvantaged Students

This is for healthcare students who come from backgrounds that have severely impaired their ability to get an education. The U.S. Department of Health and Human Services outlines the conditions for the scholarship on their official website.

Federal/State Grants

Before you go hunting for the best scholarship or grant for you, make sure that you apply for apply for ALL applicable state and federal grants by filling in and submitting the Free Application for Federal Student Aid (FAFSA).

You can find out more about this application and what to expect when filling it in by reading this article. The information you provide in your FAFSA will be crucial in the determination of which federal and state grants are applicable to you.

Federal grants (like the Pell grant and the Federal Supplemental Educational Opportunity grant) are some of the most lucrative funding opportunities you will find, so make submitting the FAFSA your #1 priority when it comes to getting free money for school.

Most state authorities use the data from the submitted FAFSA to determine eligibility for any state grants for which you may also be eligible, should any applicable options exist.

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May02
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College Application Tips

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May02
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13 Amazing Grants and Scholarships for MRI Technicians

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Grants and Scholarships for MRI Technicians

Many grants and scholarships for MRI technicians are available through the American Society of Radiologic Technologists (ASRT). Analysts at the United States Bureau of Labor Statistics (BLS) expect abundant employment opportunities for magnetic resonance imaging (MRI) technicians until the year 2020.

Financial aid helps aspiring technicians meet rising tuition costs.

American Society of Radiologic Technologists (ASRT) Scholarships

ASRT offered eight scholarships for the 2012-2013 academic year with a combined estimated value of $200,000 United States dollars (USD).

Awards are available for entry-level and advanced studies. Grants help technicians create groundbreaking research projects. Applicants must display strong leadership and industry commitment in addition to demonstrating financial need.

  • Jerman-Cahoon Student Scholarships awards $2,500 USD to five entry-level MRI students.
  • Royce Osborn Minority Scholarships provides $4,000 USD to five entry-level students.
  • Professional Advancement Scholarships assists technicians completing a second certificate or degree program.
  • Professional Research Grants up to $10,000 USD fund MRI research projects lasting no longer than two years. Applications are due in March and August.
  • Research Seed Grants up to $3,000 USD assist technicians with starting preliminary studies lasting no longer than one year. Application deadlines are in March and August.

Corporate Scholarship Awards

Radiology companies also offer scholarship awards to budding technicians and technologists. Applicants must have a minimum grade point average and United States (U.S.) citizenship or residency.

Some companies grant funds with the assistance of ASRT board members.

  • Elektra radiation therapy awards $5,000 USD to four entry-level students with a 3.0 GPA. Applications are due February 1.
  • Varian scholarships of $5,000 USD go to 19 students entering certification through graduate-level studies.
  • Siemens USA offers $4,000 USD scholarships to four students pursuing MRI certification.

Institutional Awards

Most MRI training programs offer scholarships to incoming students referred to as in-house awards.

Administrators grant awards to students with strong academic performance who seem likely to make substantial MRI industry contributions in the future. Scholarship essays require applicants to display strong writing skills.

  • The University of North Carolina (UNC) offers allied health scholarships that cover tuition and student living expenses.
  • Missouri University awards $500 USD to qualifying MRI students.
  • Armstrong Atlantic State University grants $250 to $1,000 USD to qualifying students through the Donald Starr Radiology Scholarship.

State-Specific Programs

Two awards focus on students attending California State institutions.

The Ruth McMillan Radiography Grant awards $500 USD to students who display leadership potential combined with impressive academic skills post here free entertainment.

Anna B Ames Clinical Excellence Awards of $500 USD go to students who exhibit strong clinical abilities and strong leadership skills.

Financial awards permit MRI students to change the world and improve their lives. Membership in professional organizations grants access to a variety of additional resources.

Grants and scholarships for MRI technicians help students achieve academic goals without a mountain of debt.

Federal Pell Grants and Applicable State Programs

The Federal government provides several need based grants (which are awarded on the basis of income).

The most well-known of these is the Pell grant, which can pay between $500-$5,500 depending on your financial need.

While not everyone gets approved for a Pell grant, it costs nothing to apply, so it’s recommended that you do so regardless of your income status (by submitting the Free Application for Federal Student Aid (FAFSA) – more details here!)

When you consider that eligibility for many relevant state-based grants is based on the information provided in the FAFSA as well, submission becomes even more important.

Remember, some states may offer incentive programs to entice students into certain medical fields for which there is a dire need of professionals. These grants may not necessarily be need based, or distributed on basis of income.

Learn more about the Free Application for Federal Student Aid here!

Investigate available state-specific grants here!

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May02
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24 Hacks for flying internationally

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Let’s be honest, Miley Cyrus’s new album has us all wishing for summer. What better way to start off your summer than with a little getaway?

Maybe your dream destination is in another country, but the thought of flying internationally seems daunting. We’ve got you covered with the best international travel hacks from planning your trip to getting off the plane. Flying internationally just got so much easier!

Here’s our top tips:

Hacks for booking your flights

Aerial view of a beach in Costa Rica with green forest jungle above and deep blue-green waters below.

As summer draws nearer and temperatures rise, flight prices rise even higher. We see prices spike from late May to late July, as this is the most popular travel period of summer. Typically, the cheapest time for international summer trips is early May or late August, so you might want to try to plan your vacation around then.

  • Book early for the best deals – For international flights, we’ve found it best to buy your ticket 2-6 months in advance, so start looking now! Also, if you start looking early, you have more chances of finding sales and promo codes. Ultimately, the earlier you plan, the more money you can end up saving.
  • Download the airline app – Stay in the loop by getting flight updates. For airlines like Delta and United, you can check your flight’s status in their mobile app. This will keep you informed if your flight is on time, delayed, or canceled.
  • Earn travel miles – Save money on future flights with airline rewards programs—the more you travel, the more points you can earn. Pro-tip: you can still earn reward travel miles even if you book with StudentUniverse!

Need ideas for the best travel destinations? We recommend visiting these places this summer:

Hacks for packing

A partially packed suitcase with some clothes inside and papers, and passport on the floor beside it.

Now that you’ve bought your plane ticket, the next step to getting ready for your dream vacation is packing. Even though it is tempting to bring all of your cute outfits, you can still pack light and change things up by mixing and matching your clothes. Still overwhelmed by the bulk of your suitcase? Here’s our tips for making packing easy.

  • Put essentials in your carry-on – Pack at least one change of clothes and essentials in your carry-on just in case your luggage doesn’t arrive with you. 
  • Label your bags – Chances are someone else will have a suitcase that looks like yours. Put a bright ribbon or a sticker on your suitcase so it is easy to spot. 
  • Stick to a carry-on – See if you can fit everything in your carry-on! You can save a lot of money by not checking a bag.

Keep your essentials with you. Here’s our top items we always bring on long-haul flights:

  • Toiletries – We love bringing a toothbrush, toothpaste, deodorant, face wash, and moisturizer onto long-haul flights. This makes it easy to quickly refresh yourself before your plane lands. 
  • Cosmetics bag – This is for guys too! Put all your chargers and other technology into one small bag and keep it with you. This way you won’t be rummaging around your bag for the charger you need. 
  • Water bottle – Bring an empty one that you can bring through security and avoid the insane prices airports charge for water. It is easier for your body to become dehydrated when you’re flying, so drink lots of water. It is also helpful to avoid caffeine and alcohol which dehydrates you quicker.
  • Neck pillow – International flights can be very long, so you’ll want to be comfortable and get some sleep. Bring melatonin to knock yourself out quicker.
  • Ear plugs – You never know how noisy the people on your flight may be, so these are also helpful if you’re trying to get some sleep.
  • Headphones – If you want to watch movies on the plane, make sure to bring wired headphones with an audio jack. Many international airlines will offer you a free pair of these headphones, but it never hurts to have your own.
  • A pen – Always keep one with you so you’re ready to fill out customs papers. We recommend filling them out on the plane so you are ready to go right when your plane lands. 
  • Portable charger – Watching movies and listening to music will drain your phone battery quicker, so a portable charger will help keep your phone charged up.
  • Souvenirs – You’ll want to bring some back, so don’t forget to leave room in your suitcase.

Hacks while on the flight

Top-down view of a person reading a book while sitting cross legged on white sheets with a mug of tea.

International flights typically take between 8-16 hours, so make sure you bring something to keep you busy! Here are 6 things to keep in mind to help you not die from boredom.

  • Bring reading material – Bring a good book, Kindle, coloring book, or crossword puzzle to pass the time. 
  • Download movies & music – Before your flight, make sure to download your movies and music. All airlines are different, and sometimes you have to pay for Wi-Fi (which can be slow, over-priced, or even non-existent).
  • Look for free Wi-Fi – However, if there is Wi-Fi, look into your airline’s free Wi-Fi and connect to it right away. This will allow you to stream movies, TV shows, play games, or even read magazines. 
  • Bring hand sanitizer/wipes – You can never be too safe about germs! 
  • Reset your phone clock – Set your watch to the local time of your destination. This will help in knowing when to sleep on the plane, so your body clock can adjust quicker to the time change. When you get on the plane, you can also try setting a timer on your phone for the length of the flight duration. 
  • Make friends – Introduce yourself to your neighbor! A quick hello could make all the difference and make your flight more comfortable. Remember, you’re in a close space with them for a long time, so you might as well get to know them.

Hacks to arrange for transportation early

Busy street of London with a red telephone booth on the sidewalk.

Make a plan for how you will get around before you go. That way, you won’t have to worry about finding transportation after you get off the plane.

  • Choose public transportation – Consider taking the bus or the train, as they are much cheaper than taxis or Uber. Many cities have public transportation apps that you can download so you can see arrival times and routes. 
  • Rent a car – If you are at least 20 years old and licensed to drive in another country, consider renting a car. We have the best deals for student rental cars.
  • Get your international driver’s license – You don’t need to take a test or anything! Just head to any AAA location and bring your driver’s license for proof of eligibility. The entire process is quick and it only costs $20.

These international flight hacks will help you prepare for your endless summer vacation so you can spend less time stressing about your 14-hour flight, and more time relaxing on a beach in Greece. Now all you need is the cheap flights to make it happen—find the cheap student flights for your summer getaway on StudentUniverse.

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May02
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How to Shop for Disability Insurance for Prosthodontists

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Key Takeaways: Prosthodontists complete a three-year residency after earning an expensive DDS or DMD dental degree. Some then tack on an additional fellowship to further specialize in prosthodontics. We’re talking about 11+ years of education and training to secure a six-figure prosthodontist salary once you account for a bachelor’s degree. Yet, many prosthodontists risk their […]

The post How to Shop for Disability Insurance for Prosthodontists appeared first on Student Loan Planner.

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May02
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Public Ivy League Schools

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Cost

Let’s face it … in an ideal world, cost would have no bearing on where you go to college. But the reality is that tuition rates are an important consideration for many students and their families. And this where Public Ivies have the advantage over Private Ivies (especially for in-state students).

For the 2022-2023 school year for example, in-state tuition for Public Ivy schools ranged from just over $22,000/year to about $43,000/year. When compared to the $70,000-$80,000/year tuition at Private Ivies, the Public Ivies look really attractive, right? Especially because you can get the same caliber of education at Public Ivies.

Having said that, out-of-state tuition at some Public Ivies can reach Private Ivy levels. For example, out-of-state tuition at some University of California schools can run you close to $70,000/year. This is pretty steep. But this also isn’t the case across the board, and out-of-state tuition for many Public Ivy schools is still significantly less than the cost of attending an Ivy League school.

Financial aid

Because Public Ivies depend on state funding (as opposed to the private endowments that Private Ivies enjoy), Public Ivies tend to offer less financial aid, and the total amount of financial aid the Public Ivies can offer sometimes fluctuates from year to year.

Again, being an in-state student applying to a Public Ivy school gives you an advantage here since much of the financial aid is set aside for in-state students. That’s not to say that you shouldn’t apply to a Public Ivy that is not in your state since there are some other ways to get financial help (check out our guide to paying for college), but we think it’s good for you to know that Public Ivies focus much of their financial aid on applicants who live in their state.

Reputation

“Reputation” is kind of a weird thing when it comes to colleges and universities since this can mean different things to different people. For example, while it is true that Ivy League schools enjoy stellar reputations for the academic experience they offer students, it’s a little hard to quantify a school’s reputation based on this because “academic experience” is a pretty broad idea.

When it comes to Public Ivy schools and their reputations, perhaps the thing to consider is that these schools have a range of things for which they have good reputations. Some of the Public Ivies are considered academically rigorous across the board, while others are known for specific areas of study. Some Public Ivies enjoy prestige because of their faculty while others rank up there for the breadth of academic opportunities they offer their students.

Our advice is to not get too caught up in a school’s “reputation.” Public Ivies are on the list because they can offer an education comparable to that found at Private Ivies, so the important things to consider are what specific Public Ivy schools can offer you and what is important to you as part of your college education. As with any school you’re considering, we encourage you to do your research, talk to current students if you can, and be clear from the start what your priorities and values are (here’s our step-by-step guide to choosing a college).

Selectivity

The selectivity of a school often goes hand-in-hand with its reputation, and the competitiveness of Public Ivies can vary.

Some University of California schools, for example, accept around 10% of their undergraduate applicants, while other Public Ivies like the University of Delaware accept upwards of 60% of its applicants.

There are a number of factors that impact how selective Public Ivies are. Many Public Ivy schools must accept a certain percent of in-state applicants, which makes things a little tougher for out-of-state applicants.

A lot also depends on how many students apply to a Public Ivy in any given year. Typically, the larger the applicant pool, the lower the acceptance rate. And as more and more students discover the benefits of Public Ivies, more and more students are also applying to these excellent schools.

That said, Public Ivies typically still have higher acceptance rates than Private Ivies, which often hover under 10% or lower (hi, Harvard).

Size and location

Public Ivies tend to have a higher number of students than Private Ivies, so if having smaller class sizes and enjoying a more intimate environment on campus is important to you, this is definitely something to consider.

Since Public Ivies typically admit a greater number of students, they also have larger student populations. This often means more people in each class, a higher student to teacher ratio, and the bustle that comes with a busier campus. And maybe this sounds perfect to you! A larger number of students doesn’t mean a diminished educational experience … it just means a different educational experience.

Another important factor to consider is the physical location of where you want to go to school. Private Ivy schools are all on the East coast, so you don’t have a lot of geographical options if you’re thinking about one of these eight schools.

But Public Ivies give you a lot of options since they are all over the United States. Again, in-state applicants do have a slight edge, but Public Ivies also accept many out-of-state applicants, and they give you geographical choices that Private Ivies do not.

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May02
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12 Best summer destinations around the world for 2023

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Summer is just around the corner, so if you haven’t started planning your summer travels yet, it’s time to get going! It’s time to pack your suitcases and get ready for a summer adventure. If you need a dose of inspiration, here’s 12 of the best summer destinations you can visit in 2023.

1. Italy 

The coast of Italy with building along a tall hill and boats in the sea - one of 2023's best summer destinations.

If you’ve been waiting and dreaming about the next time you can visit Italy, the answer is: you can visit as soon as this summer! From the canal-lined streets of Venice to historic monuments in Rome, there’s plenty to explore. Head to Naples for some incredible pizza, or take a train ride along Italy’s stunning coastline through Cinque Terre or the Amalfi Coast. Need some inspiration on where to go first? Check out our top 8 destinations in Italy and get busy finding some cheap flights to Italy.

Flights to Italy for summer 2023 starting at $322* one-way and $518* roundtrip

2. Turks and Caicos 

Turks and Caicos waterfront with homes with long docks going into the clear blue water. The islands are a perfect getaway, including for summer 2023.

Turks & Caicos—a chain of 40 islands in the Caribbean—are known for being some of the most beautiful islands in the Caribbean, with white-sand beaches, incredible scuba diving and snorkeling, and of course, delicious seafood. Visit the Island Fish Fry for a true local experience, or try something fancier at one of the many restaurants. Whether you want a low-key getaway on some of the most beautiful beaches in the Caribbean or are looking to pamper yourself for a weekend, Turks and Caicos has something to offer you.

Flights to Turks and Caicos for summer 2023 starting at $145* one-way and $386* roundtrip

3. Croatia

Croatian coastline with old buildings. Croatia is a perfect destination for summer 2023.

Croatia is the one of our favorite summer destinations in Europe. With Mediterranean beaches, historic cities, national parks and tons of opportunities for swimming and enjoying the coastal Mediterranean weather, there’s really no better time to visit Croatia. Dubrovnik, with the imposing and scenic city walls, is Croatia’s most famous city. However, the nearby Split and the quieter, inland capital of Zagreb are definitely worth visiting as well.

Flights to Croatia for summer 2023 starting at $384* one-way and $690* roundtrip

4. San Diego 

San Diego oceanfront, one of the best summer destinations in the US.

Looking to stay stateside? San Diego is one of the best summer destinations in the US. With famously sunny weather (the temperature stays between 65-78°F year-round), San Diego is a great place for a mix of beach days and exploring sights in the city. La Jolla Cove and South Mission Beach are two of the best beaches in San Diego. Whether you want to swim, surf, scuba dive or just catch some rays, there’s lots of great beaches. When you’re ready to explore the city, head to the sprawling Balboa Park. It’s home to theaters, museums, botanical gardens, the San Diego Zoo and more. The South Park and historic Gaslamp Quarter neighborhoods offer some of San Diego’s best dining, shopping, nightlife and more.

Flights to San Diego for summer 2023 starting at $22* one-way and $85* roundtrip

5. Iceland 

Underneath a waterfall in Iceland, one of the best summer destinations.

Looking to beat the heat this summer? Iceland is one of the best summer destinations for anyone looking for something a bit more off the beaten path. Between the mild (but not cold) weather, incredible outdoor adventures, and nearly 24-hour daylight, Iceland offers unlimited summer adventure! Between late-May and early August, the sun hardly sets (ever) in Iceland, offering near 24-hour daylight. You can adventure as late (or early) as you want!

Visit the Blue Lagoon for a relaxing day and make sure to head to the famous Gullfoss and Skogafoss waterfalls (or check out some lesser-known ones). There’s tons of hiking in Iceland’s numerous national parks, plus geysers, volcanoes, glaciers, black sand beaches, hot springs and more. Take advantage of the midnight sun with a midnight kayaking, hiking or helicopter tour too for a once-in-a-lifetime adventure!

Flights to Iceland for summer 2023 starting at $211* one-way and $414* roundtrip

6. Puerto Rico 

Oceanline of Puerto Rico, with bright blue water to the left and a green forest of palm trees inland. The skies are blue with fluffy white clouds.

Puerto Rico is often an underrated destination, but it’s gaining in popularity. And, as part of the US, it’s pretty easy to travel to – no passport required. Visit the colorful hotel strip along the coast, bustling beaches, historical downtown architecture and El Yunque National Forest, a tropical rainforest with waterfalls and hiking. Whatever kind of traveler you are, Puerto Rico has something to offer.

Flights to Puerto Rico for summer 2023 starting at $53* one-way and $117* roundtrip

7. Tanzania 

Safari car driving past a herd of zebras in Tanzania.

Summers (particularly in July-September) are one of the best times to visit Tanzania, especially if you’re looking to experience a safari or see wildlife during your trip. On safaris, late summer is the best time to see herds of wildebeest and zebra during migration season. Although, there’s plenty of other wildlife to see throughout the summer season, too. You’ll also be able to spot leopards, giraffes, rhinos, elephants and more. Besides safaris, you can also explore numerous national forests, waterfalls, rainforests, go snorkeling at offshore islands, see (or hike!) Mt. Kilimanjaro, and more!

Flights to Tanzania for summer 2023 starting at $505* one-way and $970* roundtrip

8. Mexico 

Aerial view of the beach in Tulum, Mexico.

As our nearby neighbor, Mexico makes for one of the best summer destinations (or destinations for anytime, really). Want to have an picture-perfect summer weekend in Tulum? Or maybe you’re dreaming of a relaxing week in Cancun or Cabo San Lucas? If you’re more into history and city life than sunbathing on the beach, head to Mexico City. It’s home to plenty of museums, ancient Aztec and Mayan ruins, castles and palaces and more. Whether you’re headed to the coast or enjoying life in the city, Mexico has plenty of adventure, scenic views and delicious food to choose from. 

Flights to Mexico for summer 2023 starting at $99* one-way and $205* roundtrip

9. Japan

A field of flowers in summertime in the foreground with Mt Fuji in the background in Japan - a perfect destination for summer travel.

We’re sure we’re not the only ones dreaming of onsen soaks, sushi eating, and spectacular hiking and shopping. If you’re ready to make your Japan dreams come true this summer, Japan is ready for you. Naturally, with everything from mountains to beaches to big modern cities, summer is one of the best times to visit this country. Need some inspiration? Check out our guide to traveling Japan on a budget.

Flights to Japan for summer 2023 starting at $487* one-way and $802* roundtrip

10. Las Vegas 

The Welcome to Las Vegas sign with the strip in the background.

If you need a weekend away that’s nearby, won’t require a passport and will help you totally escape from your normal life, why not a quick trip to Vegas? Las Vegas is one of the most popular weekend destinations in the US, and it’s easy to see why. Whether you want to pamper yourself, enjoy some world-class entertainment, or go rock climbing (what? No joke, Las Vegas has some of the best rock climbing in the US!), Las Vegas has a lot to offer. Plus, finding cheap flights to Las Vegas is super easy, so planning your summer trip is even easier.

Flights to Las Vegas for summer 2023 starting at $21* one-way and $41* roundtrip

11. Banff National Park

Lake Moraine in Banff National Park, with a bunch of canoes on the dock in the foreground.

Canada’s Banff National Park is absolute goals for a summer outdoor adventure. Even in the hottest months of the year, July and August, the average highs are only in the low 70s – making it a perfect spot for those who find summer’s heat just a bit too much sometimes. It’s got amazing hikes, views, and activities, and cheap flights from the US. While Banff tends to be really popular in the summer and can book up far in advance and/or can get expensive, the views alone are so good that it’s worth getting around those hurdles for a trip. While there, take out a kayak on Lake Moraine and explore the breweries and cafes of the town. Fly into Calgary and while you’re there, check out one a festival or Canada Olympic Park with their summer off-season activities of downhill carting, mini golf, and mountain biking.

Flights to Calgary for summer 2023 starting at $80* one-way and $178* roundtrip

12. Hawaii 

The coastline of Hawaii.

If endless sunshine, miles of beaches and incredible surfing, giant sea turtles, mountains and volcanoes and incredible sunsets are calling your name this summer, where better to go than Hawaii? We’ve seen so many cheap flights to Hawaii, especially from the West Coast, making it a very doable summer getaway. If you want to stay in the US this summer but still need a change of scenery, Hawaii is the one of the best summer destinations. Visit Honolulu for incredible beaches, restaurants and nightlife. Head to Hilo to visit Hawaii Volcanoes National Park or hike (or sail) along the Nepali coast in Kauai. The options are endless! 

Flights to Hawaii for summer 2023 starting at $39* one-way and $102* roundtrip

What’s on your bucket list for this summer? Find cheap flight deals and hotel getaways for wherever you want to go with StudentUniverse and make planning your next trip even easier.

The post 12 Best summer destinations around the world for 2023 appeared first on StudentUniverse Travel Blog.

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Average Cost of Physician Disability Insurance: Understanding Your Options

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Lender and Bonus disclosure

All rates listed represent APR range. Commonbond: If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner.

CommonBond Disclosures: Refinancing

Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.  If you choose to complete an application, we will conduct a hard credit pull, which may affect your credit score. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Jan 1, 2021 and may increase after consummation.

CommonBond Disclosures: Private, In-School Loans

Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.  If you choose to complete an application, we will conduct a hard credit pull, which may affect your credit score. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Jan 1, 2021 and may increase after consummation.

Student Loan Planner® Disclosures

Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Lender and Bonus disclosure

THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.

Earnest: $1,000 for $100K or more, $200 for $50K to $99.999.99. For Earnest, if you refinance $100,000 or more through this site, $500 of the $1,000 cash bonus is provided directly by Student Loan Planner. Rate range above includes optional 0.25% Auto Pay discount.

Earnest Bonus Offer Disclosure:

Terms and conditions apply. To qualify for this Earnest Bonus offer: 1) you must not currently be an Earnest client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated Student Loan Planner® link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed.

You will receive a $1,000 bonus if you refinance $100,000 or more, or a $200 bonus if you refinance an amount from $50,000 to $99,999.99. For the $1,000 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner® via Giftly. Earnest will automatically transmit $500 to your checking account after the final disbursement. For the $200 Welcome Bonus offer, Earnest will automatically transmit the $200 bonus to your checking account after the final disbursement. There is a limit of one bonus per borrower. This offer is not valid for current Earnest clients who refinance their existing Earnest loans, clients who have previously received a bonus, or with any other bonus offers received from Earnest via this or any other channel. Bonus cannot be issued to residents in KY, MA, or MI.

Interest Rate Disclosure

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 5.21% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 9.19% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 9.13% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.21%. For loan terms over 15 years, the interest rate will never exceed 9.24%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.

Auto Pay Discount Disclosure

You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.

Skip a Payment Disclosure

Earnest clients may skip one payment every 12 months. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Please be aware that a skipped payment does count toward the forbearance limits. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.

Student Loan Refinancing Loan Cost Examples

These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 5.89% APR would result in a total estimated payment amount of $17,042.39. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $72) and a 6.04% APR would result in a total estimated payment amount of $17,249.77. Your actual repayment terms may vary.Terms and Conditions apply. Visit https://www.earnest. com/terms-of-service, e-mail us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

Student Loan Origination Loan Cost Examples

These examples provide estimates based on the Deferred Repayment option, meaning you make no payments while enrolled in school and during the separation period of 9 billing periods thereafter. Variable APR: A $10,000 loan with a 15-year term (180 monthly payments of $157.12) and an 11.69% APR would result in a total estimated payment amount of $21,290.40. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $173.51) and an 13.03% APR would result in a total estimated payment amount of $22,827.79. Your actual repayment terms may vary.

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.

© 2021 Earnest LLC. All rights reserved.

Student Loan Planner® Bonus Disclosure:

Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Lender and Bonus disclosure

Laurel Road: If you refinance more than $250,000 through our link and Student Loan Planner receives credit, a $500 cash bonus will be provided directly by Student Loan Planner. If you are a member of a professional association, Laurel Road might offer you the choice of an interest rate discount or the $300, $500, or $750 cash bonus mentioned above. Offers from Laurel Road cannot be combined. Rate range above includes optional 0.25% Auto Pay discount.

Laurel Road Bonus Offer Disclosure:

Rates as of 3/31/23. Rates Subject to Change. Terms and Conditions Apply. All products subject to credit approval. Laurel Road disclosures. To qualify for this Laurel Road Welcome Bonus offer: 1) you must not currently be an Laurel Road client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated Student Loan Planner® link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed. If a borrower is eligible for and chooses to accept an interest rate promotional offer due to that borrower’s membership in a professional association, the borrower will not be eligible for the cash bonus from Laurel Road. However, the borrower can still be eligible for the Student Loan Planner® bonus if they qualify under the “Student Loan Planner® Bonus Disclosure terms below.”  If you opt to receive the cash bonus incentive offer, you will receive a $1,050 bonus if you refinance $100,000 or more, or a $300 bonus if you refinance an amount from $50,000 to $99,999.99. For the $1,050 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner® via Giftly. Laurel Road will automatically transmit $550 to your checking account after the final disbursement. For the $300 Welcome Bonus offer, Laurel Road will automatically transmit the $300 bonus to your checking account after the final disbursement.  There is a limit of one bonus per borrower. This offer is not valid for current Laurel Road clients who refinance their existing Laurel Road loans, clients who have previously received a bonus, or with any other bonus offers received from Laurel Road via this or any other channel.

You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay

Student Loan Planner® Bonus Disclosure

Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Lender and Bonus disclosure

Elfi: If you refinance over $150,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner.

To begin the qualification process for the Student Loan Planner® sign on bonus, customers must apply from the link provided on https://www.elfi.com/student-loan-planner. Customers who are approved for and close a loan will receive the $300-$775 bonus through a reduction in the principal balance of their Education Loan Finance loan when your loan has been disbursed. The amount of the bonus will depend on the total loan amount disbursed. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. Taxes are the sole responsibility of the recipient. There is a limit of one bonus per borrower. This offer is not valid for current ELFI customers who refinance their existing ELFI loans, customers who have previously received a bonus, or with any other bonus offers received from ELFI via this or any other channel. If the applicant was referred using the referral bonus, they will not receive the bonus provided via the referring party. If the applicant becomes an ELFI customer, they may participate in the referral bonus by becoming the referring party. Additional terms and conditions apply.

For the $1,275 bonus associated with refinancing at least $150,000, $500 of the bonus is provided by Student Loan Planner® via Giftly, which can be redeemed as a deposit to your bank account or PayPal account. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Splash Disclosure

See disclaimers at: https://www.splashfinancial.com/disclaimers/

Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California Financing Law, license # 60DBO-102545

General Disclosure

Terms and conditions apply. Loan or savings calculators are offered for your own use and the results are based on the information you provide. The results of this calculator are only intended as an illustration and are not guaranteed to be accurate. Actual payments and figures may vary. Splash Financial loans are available through arrangements with lending partners. Your loan application will be submitted to the lending partner and be evaluated at their sole discretion. For loans where a credit union is the lender or a purchaser of the loan, in order to refinance your loans, you will need to become a credit union member. The Splash Student Loan Refinance Program is not offered or endorsed by any college or university. Neither Splash Financial nor the lending partner are affiliated with or endorse any college or university listed on this website. You should review the benefits of your federal student loan; it may offer specific benefits that a private refinance/consolidation loan may not offer. If you work in the public sector, are in the military or taking advantage of a federal department of relief program, such as income-based repayment or public service forgiveness, you may not want to refinance, as these benefits do not transfer to private refinance/consolidation loans. Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. Products may not be available in all states. The information you provide is an inquiry to determine whether Splash’s lending partners can make you a loan offer but does not guarantee you will receive any loan offers. If you do not use the specific link included on this website, offers on the Splash website may include offers from lending partners that have a higher rate. This information is current as of April 10, 2023.

Rates are subject to change without notice. Not all applicants will qualify for the lowest rate. Lowest rates are reserved for the most creditworthy applicants and will depend on credit score, loan term, and other factors. Lowest rates may require an autopay discount of 0.25%.

Fixed APR: Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed Rate options range from 4.49% APR (with autopay) to 10.24% APR (without autopay) and will vary based on application terms, level of degree and presence of a co-signer.

Variable APR: Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Variable rate options range from 4.74% APR (with autopay) to 10.24% APR (without autopay) and will vary based on application terms, level of degree and presence of a co-signer. Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001).

Lender and Bonus Disclosure

Splash: If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner. Lowest rates displayed with an autopay discount of 0.25%. Splash disclosures.

To begin the qualification process for the Student Loan Planner® sign on bonus, customers must apply from the link provided. Customers who are approved for and close a loan will receive the $300-$500 bonus through Splash Financial. The amount of the bonus will depend on the total loan amount disbursed. There is a limit of one bonus per borrower. This offer is not valid for current Splash customers who refinance their existing Splash loans, customers who have previously received a bonus, or with any other bonus offers received from Splash via this or any other channel. If the applicant was referred using the referral bonus, they will not receive the bonus provided via the referring party. Additional terms and conditions apply.

For the $1,000 bonus associated with refinancing at least $100,000, $500 of the bonus is provided by Student Loan Planner® via Giftly, which can be redeemed as a deposit to your bank account or PayPal account. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Lender and Bonus disclosure

Sofi: If you refinance $100,000 or more through this site, $500 of the $1,000 cash bonus is provided directly by Student Loan Planner. Fixed rates range from 4.99% APR to 9.99% APR with a 0.25% autopay discount. Variable rates from 5.74% APR to 9.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 13.95% APR; 15- and 20-year terms are capped at 13.95% APR. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org). Additional terms and conditions apply; see SoFi.com/eligibility for details. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

Student Loan Planner® Bonus Disclosure

Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Terms and conditions apply. Offer is subject to lender approval. The offer is only open to new Student Loan Refinance borrowers and may not be combined with other offers aside from the autopay discount. To receive the offer, you must: (1) register and apply through unique URL provided by Student Loan Planner (2) fund a student loan refinance with SoFi; (3) have or apply for a SoFi Checking and Savings or have a SoFi Money account to receive the bonus; (4) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, your $500 welcome bonus will be deposited into your SoFi Checking and Savings or Money account within 30 calendar days. If you do not qualify for the SoFi Checking and Savings or SoFi Money Account, SoFi will offer payment via ACH pending your completion of Form W9. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.

Lender and Bonus disclosure

Credible:If you refinance over $100,000 through this site, $500 of the cash bonus listed above is provided directly by Student Loan Planner.

To begin the qualification process for the Student Loan Planner® sign on bonus, customers must apply from the link provided on www.credible.com.

The amount of the bonus will depend on the total loan amount disbursed. In order to receive this bonus, customers will be required to complete and submit a W9 form with all required documents. Taxes are the sole responsibility of the recipient. A customer will only be eligible to receive the bonus one time. New applicants are eligible for only one bonus. Additional terms and conditions apply.

For the $1,250 bonus associated with refinancing at least $100,000, $500 of the bonus is provided by Student Loan Planner® via Giftly, which can be redeemed as a deposit to your bank account or PayPal account. Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Lender and Bonus disclosure

Terms and conditions apply. To qualify for this LendKey Bonus offer: 1) you must not currently be an LendKey client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated Student Loan Planner® link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed.

You will receive a $1,250 bonus if you refinance $150,000 or more, or a $100 to $400 bonus if you refinance an amount from $20,000 to $149,999.99, depending on the amount refinanced. For the $1,250 Welcome Bonus offer, $500 will be paid directly by Student Loan Planner® via Giftly. LendKey will automatically transmit $750 to your checking account after the final disbursement. For the $100 to $400 Welcome Bonus offer, LendKey will automatically transmit the $100 to $400 bonus to your checking account after the final disbursement. There is a limit of one bonus per borrower. This offer is not valid for current LendKey clients who refinance their existing LendKey loans, clients who have previously received a bonus, or with any other bonus offers received from LendKey via this or any other channel. Bonus cannot be issued to residents in KY, MA, or MI.

Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed.

Sallie Mae Disclosures

1 Lowest rates shown include auto debit discount. Advertised rates are for the Smart Option Student Loan for undergraduate students and are valid as of 4/25/23.

Advertised APRs for career training students assume a $10,000 loan to a student who attends school for 2 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

Sallie Mae Disclosures

1 Lowest rates shown include auto debit discount. Advertised rates are for the Smart Option Student Loan for undergraduate students and are valid as of 4/25/23.

Advertised APRs for career training students assume a $10,000 loan to a student who attends school for 2 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

Sallie Mae Disclosures

1 Lowest rates shown include auto debit discount. Advertised rates are for the Smart Option Student Loan for undergraduate students and are valid as of 4/25/23.

Advertised APRs for career training students assume a $10,000 loan to a student who attends school for 2 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

Discover Disclosures

Lowest APRs shown for Discover Student Loans are available for the most creditworthy applicants for undergraduate loans, and include an interest-only repayment discount a 0.25% interest rate reduction while enrolled in automatic payments.

The interest rate ranges represent the lowest and highest interest rates offered on Discover student loans, including Undergraduate, Graduate, Health Professions, Law and MBA Loans. The lowest APRs shown for residency, bar exam, private consolidation and parent loans are available for the most creditworthy applicants and include a 0.25% interest rate reduction while enrolled in automatic payments.

The fixed interest rate is set at the time of application and does not change during the life of the loan unless you are no longer eligible for one or more discounts. The variable interest rate and corresponding APR may increase over the life of the loan. The variable interest rate is calculated based on the 3-Month CME Term SOFR index plus the applicable margin percentage less any applicable discounts. The 3-Month CME Term SOFR index value for variable interest rate loans is 4.875% as of April 1, 2023. 3-Month CME Term SOFR is administered by CME Group and is published by CME Group on its website (cmegroup.com/termsofr). Discover Student Loans may adjust the variable interest rate quarterly on each January 1, April 1, July 1 and October 1 (each an “interest rate change date”), based on the 3-Month CME Term SOFR rate available for the day that is 15 days prior to the interest rate change date, rounded up to the nearest one-eighth of one percent (0.125% or 0.00125), or 0%, whichever is greater. This may cause the monthly payments to increase, the number of payments to increase or both. If the 3-Month CME Term SOFR rate is less than zero percent, then the index will be deemed to be zero percent (as stated in the promissory note) for purposes of calculating your interest rate. Your variable interest rate (index + margin – applicable discounts) will not exceed 18%. Our lowest APRs are only available to applicants with the best credit. The APR will be determined after an application is submitted. It will be based on credit history, the selected repayment option and other factors, including a cosigner’s credit history (if applicable). If a student does not have an established credit history, the student may find it difficult to qualify for a private student loan on their own or receive the lowest advertised rate. Learn more about Discover Student Loans interest rates at DiscoverStudentLoans.com/Rates.

Sallie Mae Disclosures

1 Lowest rates shown include auto debit discount. Advertised rates are for the Smart Option Student Loan for undergraduate students and are valid as of 4/25/23.

Advertised APRs for career training students assume a $10,000 loan to a student who attends school for 2 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.

CommonBond Disclosures: Private, In-School Loans

Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access (https://www.nmlsconsumeraccess.org/). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.  If you choose to complete an application, we will conduct a hard credit pull, which may affect your credit score. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Jan 1, 2021 and may increase after consummation.

Student Loan Planner® Disclosures

Upon disbursement of a qualifying loan, the borrower must notify Student Loan Planner® that a qualifying loan was refinanced through the site, as the lender does not share the names or contact information of borrowers. Borrowers must complete the Refinance Bonus Request form to claim a bonus offer. Student Loan Planner® will confirm loan eligibility and, upon confirmation of a qualifying refinance, will send via email a $500 e-gift card within 14 business days following the last day of the month in which the qualifying loan was confirmed eligible by Student Loan Planner®. If a borrower does not claim the Student Loan Planner® bonus within six months of the loan disbursement, the borrower forfeits their right to claim said bonus. The bonus amount will depend on the total loan amount disbursed. This offer is not valid for borrowers who have previously received a bonus from Student Loan Planner®.

Sallie Mae Disclosures

1 Lowest rates shown include auto debit discount. Advertised rates are for the Smart Option Student Loan for undergraduate students and are valid as of 4/25/23.

Advertised APRs for career training students assume a $10,000 loan to a student who attends school for 2 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment.


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May02
Aidideas & tipsby save-learning
0

How to Apply for College: The College Application Process

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You will want to be a savvy researcher and consumer of information in order to choose the right college. You will want to keep track of majors, costs, application timelines and requirements, and so much more. As mentioned, a college research tracker can support this process (or use this as a guide to create your own!). 

Consider who your trusted resources of information are and how you can find out more. Generally, in-person college visits are highly informative, so read more about How To Get the Most Out of Your College Visit and check out this list of 60+ Examples of Questions to Ask on a College Tour.

When colleges keep track of who visits, reads emails, clicks on links, attends information sessions, and more, this is called tracking potential applicants’ demonstrated interest. Many colleges favor applicants who demonstrate their interest, and this Inside Higher Ed study shares more about this practice. 

If you can’t visit schools in person, fear not! Start your research by hearing student voices at unigo.com, continue your research at www.collegexpress.com to check out fun lists and collections, and then check out virtual tours at CampusReel.org. 

You can learn even more by reading this incredible post about How to Research Colleges (Without Visiting A Campus).

After you’ve spent a lot of time understanding yourself and doing research, you are ready to craft a list that is going to create opportunities for you. Think big! Cast a wide net. The best place to start is by reading CEG’s 3 Step guide on how to choose a college. If you love data, we find that a great place to start is at the aptly named site collegedata.com. 

Above all, please take the time to consider why we consistently beg you to avoid relying on rankings to shape your college list. 

There is a huge body of evidence that shows that how engaged you are in your college experience matters more than how selective/famous/elite/prestigious the college you attend is. 

So, what does that mean exactly? Students who seek out internships and other hands-on learning experiences that allow them to apply their learning in real-life settings, who work with mentors who know them well and encourage them, and students who truly make the most of their college environment and opportunities will thrive after college. 

There is absolutely no guarantee that students who attend a “highly ranked” college will thrive after college. In fact, this study found “no significant relationship between a school’s selectivity and student learning, future job satisfaction, or well-being.”

Frank Bruni, who wrote a book called Where You Go Is Not Who You’ll Be recently wrote an op-ed in the New York Times proposing a new way of thinking about rankings, complete with a new tool that allows you to build your own system of rankings that reflects what you value in your college experience. 

Want more? Read more about this endlessly fascinating topic and how the rankings and marketing games have bamboozled a generation here, here, here, here, or watch here and here.

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