Student Loans With No Credit History

Student loans with no credit history required have been established for young adults who are starting out in school and have no past financial background. These young people have never had a car loan or a credit card, nor do they own anything that required them personally to sign as a borrower and therefore establishing any history to be relied upon. These young people have gotten whatever they have by someone else providing it. However, there comes a time that a repayment history becomes an important step in their adult progress. A student loan with no credit history required is that first step.

For instance, a young man who starts college and has tuition costs not covered by the financial aid of scholarships and grants. A student loan with no credit history required will be offered by a government affiliated education funding lender to help them with costs. They will have student loans with no credit history required that will fulfill the tuition payment. Their personal status, contacts, and references will have already been established with the school so therefore, the financing will be locked in with all the needed documentation already in place.

The school will deal directly with the lender, accepting the funding, processing it, distributing only that portion appropriate to the tuition balance, and refunding to the student only that portion over and above the school's charges. Therefore funding a student loan with no credit history required is also a secure process for the lender. They also make sure the monies are reimbursed to the lender if there remains a credit balance on the student's account, unless the student makes arrangements to use that balance and thereby would be obligated to repay the full amount required upon graduation.

This type of financial program can be a great way for a young person to establish their credit worthiness. Although it will take several years following graduation to repay their student loans with no credit history required, each payment will be recorded as payment history and will prove to other lenders who review the report, that they are found to be worthy risks, until they (hopefully do not) prove otherwise by not repaying, slow repaying, or defaulting on the debt down the road. Hopefully, the young borrower will heed the advice from their exit interview with the financial aid office and make sure they handle repayment with due diligence. "Hear counsel, and receive instruction, that thou mayest be wise in thy latter end" (Proverbs 19:20). That counsel may save the young borrower from a world of distress, and their student loan with no credit history required is the start of a productive financially secure career.

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The Learning Network: Test Yourself | History, July 29, 2011

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The Learning Network: Test Yourself | History, July 22, 2011

The Learning Network provides teaching and learning materials and ideas based on New York Times content.

Teachers can use or adapt our lessons across subject areas and levels. Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings.

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California to Require Gay History in Schools

LOS ANGELES — California will become the first state to require public schools to teach gay and lesbian history.

As expected, Gov. Jerry Brown signed a bill on Thursday that mandates that the contributions of gays and lesbians in the state and the country be included in social science instruction and in textbooks. School districts will have until next January to begin implementing the new law, which was also promoted in part as a way to combat bullying of gay and lesbian students.

“This is definitely a step forward, and I’m hopeful that other states will follow,” said Mark Leno, California’s first openly gay state senator, who sponsored the bill. “We are failing our students when we don’t teach them about the broad diversity of human experience.”

The state already requires schools to teach students about the contributions of some other minority groups, including black people and women. But until now, gay figures like Harvey Milk received little mention in state-approved textbooks.

The Democratic-controlled Legislature passed a similar bill in 2006, but Arnold Schwarzenegger, a Republican who was then the governor, vetoed it.

This time, however, California has a Democratic governor, and the legislation came on the heels of a highly publicized string of suicides among gay teenagers, including a 13-year-old boy from the state’s Central Valley.

Advocates for the legislation said they believed the shift would help make schools safer for gay and lesbian students, who are often ostracized.

“There is an increasing awareness in the public and among elected officials that we have to do something to address the problems of bullying, and the negative consequences” for gay, lesbian, bisexual and transgender students, said Carolyn Laub, director of the Gay-Straight Alliance Network.

Some conservative lawmakers, however, continued to oppose the bill, saying that curriculum should be left to individual school districts.

“It’s a sad day for our republic when we have the government essentially telling people what they should think,” said Tim Donnelly, a Republican state assemblyman from San Bernadino. Mr. Donnelly said the law prohibited schools from presenting gays and lesbians “in anything other than a positive light, and I think that’s censorship right there.”

Though the new law will take effect in January, state textbooks and curriculum will not be updated for several years. In the meantime, local school districts will have to use supplemental materials in the curriculums.

This article has been revised to reflect the following correction:

Correction: July 18, 2011

An article on Friday about California’s becoming the first state to require gay history in schools erroneously attributed a distinction to Mark Leno. While he is the first openly gay man to serve as a state senator, he is not California’s first gay state senator. Former Senator Sheila Kuehl holds that distinction.

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Book Review - A Short History of Nearly Everything by Bill Bryson

I just finished reading (actually, listening to) a scientific book by Bill Bryson, someone I knew nothing about, on a subject that has been - for most of my life - a kind of love/hate relationship. If you want to read a book full of complex scientific and mathematical computations, where its companion title being an unabridged dictionary, look elsewhere. A Short History of Nearly Everything is a book for the rest of us. For all of us.

I've always loved learning about science, but not necessarily doing science. At least, not what I was exposed to as a student K-12 in the American public school system. But this book captivated my attention before I finished the first chapter and I became engrossed and fascinated with the shocking, if not often, hilarious accounts Bryson describes concerning the history of human scientific endeavor.

Reading this book is like wandering through history, somewhat haphazardly, though did I grow tired or bored. It's just so enchanting, how divisive people were (are), and how an individual's life can be summed up in a single sentence, leaving you wondering what else there was. I think this is why I chose history as my specialty in both my undergraduate degree, and now as a graduate student. I am in awe of people who come before me, and now only exist through pictures, remains and through the written record. This book seems to capture the exhilaration I feel.

If you are even remotely interested in scientific topics, this book is a must read. It has re-sparked my love of scientific discovery and enlivened in me a renewed desire to learn more on the subject.

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Some Thoughts on the History of American Education - A Book Review

Often, people complain about the schools in the United States, and there are some that say that we are number 50 in the world as far as our schools are concerned. Still, there those of us that know the difference, and also understand that those that are doing these surveys are not from the United States, and they use different criteria to judge what a good school is. And the reality is the United States does have great schools.

No, they are not perfect, and we should always strive to make them better, of course that's what we've been doing since the nation has been founded. If you would like to learn more about the history of education in America, then I'd like to recommend a very good book to you. The name of the book is;

"Traditions of American Education" by Lawrence A. Gremin, 1977

Indeed, I am happy to say I have a copy of this book signed by the author. The intent of writing this book for the author was to make a difference transforming American Education; schools and colleges. The book examines the transformations of family, libraries, museums, publishers throughout the 19th century. There are also chapters on the Civil War factories, slavery and education, missed education, colonial education, education in the periods of 1783 to 1876, 1876 to 1976.

Also an explanation of how we adopted some of the European school system policies, and the author discusses rural versus metropolitan schools in America and the history behind it. There is information on 17th-century issues and the abandonment of feudalism, population growth, land speculation, social mobility, and religious strife all changing education along with the advances of science where Earth was no longer the center of the universe, and how English law, language, and culture ended up triumphing and changing education around the world due to colonial expansionism.

He talks about compulsory education and he explains how the church and family used to dominate education and how today the family has fallen apart and the churches are not allowed to dictate issues in schools.

He also speaks to vocational training, corporate training, union training, and the progressive mass media which has contributed to the way we think and learn. This book is completely comprehensive and an incredible study in the history of education. It's a must read for any school administrator who wishes to led, they must know the history. Often however I find when I discuss this with them they don't, that to concerns me. Please consider all this.

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The Learning Network: Test Yourself | History, Jan. 7, 2011

The Learning Network provides teaching and learning materials and ideas based on New York Times content.

Teachers can use or adapt our lessons across subject areas and levels. Students can respond to our Opinion questions, take our News Quizzes, learn the Word of the Day, try our Test Yourself questions, complete a Fill-In or read our Poetry Pairings.

Join the conversation by commenting on any post. We'd love to hear what you think!

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