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.

IS THERE REALLY AN OBAMA MOMS RETURN TO SCHOOL GRANTS PROGRAM?

I have heard a lot about the "Return To School" grants program that Obama has been pushing. Well, let me rephrase that: I thought I had heard about it but know I wonder whether it really exists. I don't think there is anything anywhere that can officially be called Obama financial aid for moms.

I set out to try to find out more about this program and as the Internet is the fastest way to investigate these things, I did a lot of Google searches. I was looking for some official website or news story from a real news source that could shed some light about anything related to return to school for moms grants or loans.

What I found was absolutely nothing official at all. There were many articles written by normal people about this so-called program but all of them were really dancing around the subject and gave no specifics.

Usually when you search for something that is real and official, you will find real news articles about it from Fox, MSN, or some other source. You might also find a government website ending in .gov which will give you more information.

However, in searching for anything related to Obama grants for moms and a moms return to school grants program, I found nothing at all and I searched many different similar searches. This leads me to believe that there really is no such type of loan and it is all just made up. Probably President Obama did utter the words "moms return to school" somewhere in one of his speaches and somehow people latched on to it and now it has taken on a life of its own.

I may be wrong about this and there might really be some new back to school for moms grant but I sure can't find anything official about it anywhere.

OBAMA FINANCIAL AID FOR COLLEGE STUDENTS

As you may know by now, college financial aid may change in 2010 under our new President. Obama financial aid will involve students getting their loans directly from the government and bypassing the private sector.

One of the problems with this is that one entity will now be deciding the fate of millions of students and that entity is the US government no less. What task does the government do well and why should we assume they will be able to effectively dole out loans?

Under the Obama student loans proposal, all competition would be gone. That is never good as competition is the one thing that keeps costs down and makes companies do their best. One reason why the government fails at so many things is because there is no competition. Have you ever been at the DMV or some other government office where you have to shake your head at the incompetence? That is because there is no other company competing against them. There is only one DMV and so we are totally at their mercy as we can't go anywhere else to get our licenses.

College students need loans and they need to understand the process to get them. They also need an unbiased assessment of their financial situation to determine whether they get a loan. Finally, they need to be evaluated based on need only and not the color of their skin or politics.

No matter what party is in the White House, will there not be accusations of racism and favoritism levelled again the government by some students who have been turned down? Will parents not think that the government is biased against their ethnicity and do we want the government being the sole deternimer of our fates like this?

Obama student loans is a bad idea from my perspective as it makes the government bigger and it takes out all competition. This country is split 50/50 right now politically as shown by the last two elections and this is something that is just going to fan the flames and make people more upset.

FIND OUT MORE ABOUT OBAMA STUDENT LOANS

If you look for the latest information on Obama student loans, you will be hard pressed to find too much. Even Obama's official website has nothing on the subject. It is amazing how little information that site has on any issue as it looks like it is just set up to get you to join his email list or volunteer list.

Obama school grants and student loans are on the minds of many right now as everyone is heading back to school or is already there. Students are concerned about how they are going to pay for college and getting a job is not easy. Most college students get part time jobs to pay for some of their expenses and they also rely on student loans. Right now, many are without jobs because the economy is so bad and the jobs just aren't there.

College tuition has gotten out of hand the last 10 to 15 years and it is very difficult for most students to pay. Decisions have to be made whether college is really the right choice at these steep prices. For decades now, parents have always preached to their children that they must go to college to get ahead in life. Now though, with prices being so high, student loans are a necessity and one has to wonder whether college is really worth it if you have to go so much in debt.

OBAMA STUDENT LOANS IN 2010

So far, the Obama student loans reform bill has successfully passed in the United States House of Representatives. The next step is for it to be addressed by the Senate which has not happened yet.

Surprisingly, there has been little news of this student loans bill and that has probably been because of all the attention that has been focused on health care. But just like the proposed takeover of the health care system by the government, student loans would be taken over as well if this bill is passed.

This new student loans bill would end all subsidies for the private lenders and take them out of the equation. Rather than have these companies loan the money to students and then get help from the government, the money would go directly from the government to the students.

Obviously many people are calling this another step toward socialism as the government tries to work it's way into every aspect of our lives. Do we really want the government deciding who gets and who doesn't get these student loans? In essence, they would be deciding who goes to college! It doesn't matter who is in control of the White House.

Obama student loans would save taxpayers $87 billion over a ten year span it has been estimated by the Congressional Budget Office. Supposedly that money could be spent for other things related to education such as increasing Pell Grants and making the cost of college more affordable. Does anybody really believe that will happen and trust the politicians to make it happen?

They also say that the costs of the switch could lower the savings all the way down to $47 billion and student loan companies say it would cost them 30,000 jobs. Jobs being lost is never a good thing but it would be worth it many think if this new proposal would actually work.

Obama student loans will not get voted on this year most likely and so it will be sometime in 2010 when this comes to the forefront again. Hopefully other stories will not overshadow this one and it can make front page news like it should. People need to know about this story and decide whether they really want the government taking over yet another part of our lives.

STUDENT LOANS MAY SOON CHANGE

One of the big changes President Obama is proposing along with health care, is student loans and who will be issuing them. College has become very expensive which has led more and more students to need student loans just to to make it through.

One of the unfortunate results of this very high tuition is that many college students now graduate every year and they begin their working life in debt. This, along with the very difficult job market, has put many college students and graduates in a bad financial position.

With the new proposal, Obama student loans would mean that private companies are taken out of the student loan business and it is taken over by the government. President Obama concludes that these private companies are charging too high an interest rate and the government can issue these same loans at a lower rate. This, he concludes will be good for the students and will make college more affordable for many.

While this may make sense on the surface, there are may different perspectives to this debate and that is the purpose of this blog. We will discuss all the pros and cons to the student loan debate as well as any other Obama policy which might be of interest.