RETURN TO SCHOOL WITH A GRANT

There is an advertisement that is all over the Internet right now with the title "Return To School With A Grant". There are several versions of the ad and I seem to see it everywhere one MSN and other news websites.

This signifies that it is back to school time and people are out searching for Obama student grants and loans and anything else they can find that might help them pay for schooling. This happens every year but this year it is likely that more people than ever are looking.

One of the reasons for this is the bad state of the economy. Jobs have been lost, money is tight, and yet college tuitions are still as high as ever. This means more people need financial aid and they are desperately looking for any way to get it.

With no hint of college costs going down, this seems like a trend that is going to continue into well into the future. Additionally, more people are trying to return to school because that seems like the best option if they can't find a job. But money is always a problem and while going back to school seems like a good plan for many, figuring out how to pay for it is a problem.

If you can't find any grants or student loans that will work for you, there is always the two FREE scholarships drawings to enter below:

Scholarships 4 Moms - (FREE) Both men and women over 18 can sign up for this free drawing.

SHOULD YOU GET A STUDENT LOAN OR A COLLEGE GRANT?

It's time to think about going back to school and figuring out how to pay for it. For most students, that means trying to get a college grant, a student loan, or both.

Student loans have changed now that new legislation has come into being. Lets call them Obama student loans as he is the one who put through the legislation and then Congress and the House passed it. Several things have changed but most notably student loans are now from controlled by the government instead of private banks and lending companies like it was before. Still, a college loan is still the same in that it has to be paid back.

College grants are usually given out in the form of Pell grants. People are busy trying to find back to school grants for moms and other types of school grants but it all really boils down to Pell grants. Unlike student loans, the good things about a grant is that it doesn't have to be repaid and that is a very important decision.

You can watch an interesting short video where Suze Orman outlines the dangers of student loans and her belief that they are going to be a big drag on the economy as more and more students start defaulting on them. Student loans are becoming too big with the price of college continuing to rise and students who have recently graduated are now finding it almost impossible to pay back.

With student loans you can't declare bankruptcy and in many cases the jobs graduates are getting are not paying enough to live and also repay the loans. And that is if you can even get a job in the first place!

She suggests going to a community college for the first two years (which is much cheaper) and then go to a state or private college for the last two.

So, if you can get a pell grant or college grant of any kind you should take that first as it doesn't have to be repaid. Unfortunately, most grants are just a small portion of the amount you need to attend college and so you will still need to get a loan for the rest and hopefully a good college job to help you start repaying that loan.

DO YOU CARE WHERE YOUR STUDENT LOAN COMES FROM?

If President Obama is successful next year, he will take private companies out of the business of loaning money to college students. The United States Government will make all the rules and determine everything including interest rates that are charged, how much each student will qualify for, and what students qualify for loans.

Knowing the US government and the politically correct mentality that runs through it, this means there might be quotas on who gets loans. If you are some Caucasian kid from Iowa, you might not qualify one year because not enough Mexican students or African students have gotten loans. The government may tell you or your child that you don't qualify for a loan at any time based on whatever criteria they have set up.

The Obama student loans proposal is just one more attempt at a government takeover of another part of our life. Do you care where your school loan comes from? Probably most don't but what I care about is whether I will be allowed to get one. If it is solely in the government's hands, I have ZERO confidence in the loan process. After all, the government screws up almost everything they touch.

I don't want the slimy politicians in Washington determining who gets to go to school via a loan and who doesn't. Am I the only one that feels this way?

WHERE TO GET OBAMA COLLEGE GRANTS

If you are looking for special Obama college grants to help you pay your tuition, you will be disappointed to know that there are none. President Obama did give a speech where he talked about the importance of moms return to school but he never laid out any grant specifically for that purpose.

Additionally, he talked about Obama moms return to school grants but again, there is no special grant that came about just because of him. This was a speech that has been used for advertising and people have latched onto it to make you believe there is some special funding for college grants that the Obama administration has put through.

The only thing they have done is to raise the tax credit you can take for Pell grants and, while this is helpful to some, it is hardly free Obama money for college. If you do want a shot at winning some free scholarship money to return to school, you can sign up at either of the two links below to be entered in a monthly drawing. Signing up is 100% free and carries no obligation:

Scholarships 4 Moms - (FREE) Both men and women over 18 can sign up for this free drawing.

Obama student loans continue to be on the back burner for now and it will not be until early next year at the soonest when the proposed changes will be voted on. For those who do not know, Obama wants all college and student loans to be given out and controlled by the government because he thinks they can do it cheaper than private companies. This is something that will be very bad for the country, in my opinion, because the government never runs anything efficiently and we don't want them meddling in our private business anyway.

THE BEST REASON THE OBAMA LOANS PROPOSAL SHOULD BE DEFEATED

Early next year, the Obama student loans proposal will be up for votes and our beloved (I say that sarcastically) bureaucrats will be deciding our children's future. Taking the college loans process away from private companies is a huge step toward socialism and it is just wrong.

Do you need proof why the government should keep their hands out of student loans? How about this story on MSN about the US postal service losing billions? It seems our government run post office has cut over 40,000 jobs and still lost $3.8 BILLION dollars for fiscal 2009! WOW! Now that is incompetance.

This is the single best reason why the government should stay out almost anything and everything. The Obama administration and any other administration does only one thing really well and that is losing and squandering our taxpayer dollars. They just don't understand how to run a business or program of any type and make it profitable. The military and the police force is the only thing we really need them to do.

The Obama student loans bill is something that most of us will regret forever if it is passed. We just don't want to give the government that much control over who gets loans and who doesn't. The politically correct government will put in quotas and all sorts of other things so that the racial groups that they want to go will get the loans and others will not. This is a recipe for disaster education wise and financial aid and student loans should never be any business of the people in Washington.

STUDENT LOANS - FREE SCHOLARSHIPS

Student loans are hard to get and they might be changing next year under President Obama. If you haven't heard, he is proposing to have the government toatally take over all college loans and the private companies would no longer be involved. Whether this is good or bad is debatable and Congress is going to have a big decision in front of them next year.

Whether the Obama student loans bill passes or not, everyone still needs loans and scholarships right now. There are two online sites where you can enter for free for a drawing for a $10,000 scholarship and smaller ones too. They are:

Scholarships 4 Moms - (FREE) Both men and women over 18 can sign up for this free drawing.

If student loans and student grants under Obama change, no one knows whether they will be easier or harder to get. Will minorities have an easier time getting school loans or will it become more difficult? Will non minorities be able to get loans or will they be shut out? Will back to school loans still be available or maybe there will be more of them? No one knows right now and it is a scary time if you need a school loan to get into college or to continue going to school.

OBAMA SCHOOL GRANTS

President Obama has made it clear in one of his speaches that everyone should be going to school if they have the chance. This includes back to school moms and return to school moms who might have a chance to get a better education.

Are there any specific Obama school grants out there that are new that have been created just by him? The answer to that is "NO" I believe, although he has upped the amount that Pell grants can be for from $4,050 to $5,100.

There is also information about the American Opportunity Tax Credit which will make the first $4,000 of a college tuition free for many Americans. It will cover about 2/3 of the tuition cost for an regular public college. This Obama tax credit will be helping families that are in the low income tax bracket and who need it the most.

People are in real need of financial aid for college and schooling right now has it has gone up so much in the last ten years. Everyone agrees that college is very important for young people who are the future of this country. If college becomes too expensive for many of them, we will have a new generation of workers who will not be as educated as previous generations and that will further contribute to America's woes.

Obama school grants would be something that many people would be excited to use and greatly benefit from. Unfortunately, the US government is in such financial trouble that there is just not enough money to go around. The stimulus bill grants and loans have helped many companies and local communities but it there has been very little for education to help schooling for the general public.