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In a post from May last year we pondered the question, should everyone go to college? And what might still be surprising to some, the answer was a resounding no. As eNotes editor and college professor Jamie described it then,
I believe anyone who wants an education should pursue one. But I also see many incredibly gifted students who have skills that they are actively discouraged from mastering because they are supposed to have a Bachelor’s degree. I see young people who have no real interest or desire to stay in school another four years who are miserable and many who are racking up debt when they could be doing something they enjoy, avoiding debt, and making money.
The prevailing opinion in America is that every student must go to college; if they don’t, they’ve somehow failed, or been failed by the system. Yet the cost of an American college education is among the highest in the world. So, if that college degree does you no favors in the job force, or if you drop out before completing your four years, you’re burdened with a mass of student debt to shoulder for the next twenty years.
That’s why it’s important to look at the costs of a college education, weighing out the pros and cons of each side and determining what’s right for you. If you plan to spend your life in academia, of course a university education is a necessity. But if you’d be better suited to a skilled trade, would the debt and time spent out of the workforce pay off? Here’s an excellent infographic from affordable-online-colleges.net to help you weigh your options. You might be surprised by what you find, like the high success rates of those who choose a two-year college over pursuing a Bachelor’s degree.
Read on and let us know your thoughts and questions!
Me: Sure, let me look it up for you… Hmmm, sorry we don’t have any books by that name. Do you know the author’s name, maybe?
Patron: No, but I think it’s spelled kind of weird, like B-E-O… wolves.
Me: …Do you mean Beowulf?
Me: [pulls out a map] The Law Library is right here. You just walk down this street, turn this corner, and you’ll be there.
Patron: Thanks, hopefully they’ll have a book about Newton’s Laws.
Me: Uh, maybe you’re looking for the Physics Library instead…?
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As of yesterday, Stafford Loan interest rates doubled from 3.4% to 6.8%. Congress did not pass an alternative measure before the July 4th break, which will end at 2:00pm on Monday, July 8th. However, it still has the option to pass a measure that will retroactively affect the rise in interest rates, altering the Stafford Loan rates for this year’s students and perhaps others. This article will outline a few of the options Congress faces, what changes may be made, and how those changes might affect students with Stafford Loans.
What is a Stafford Loan and how does it work?
Stafford Loans are the most common kind of federal student loans available. They are available to students at accredited institutions
in the United States, a category to which most colleges and universities in the United States pertain. Stafford Loans can be either subsidized or unsubsidized. Of these, subsidized loans tend to have lower interest rates, and the federal government pays the interest that the loans accrue. Contrastingly, the interest that accumulates on unsubsidized Stafford Loans is capitalized, meaning that it is added to the part of the loan on which interest is paid.
Subsidized Stafford Loans are available to those who demonstrate financial need via the Free Application for Federal Student Aid (FAFSA) form, which must be renewed each year a student wishes to apply. Unsubsidized Stafford Loans are available to all students who meet the Stafford Loan requirements, which can be found here.
In addition to Stafford Loans, the government gives out PLUS Loans, which are unsubsidized loans and in the past have had higher interest rates than Stafford Loans. PLUS Loans are available to graduate students and parents of students.
The Option Proposed by President Obama:
There’s been a lot of talk going around about Edward Snowden and his disclosure of NSA information, but with the amount of commentary in the media, it’s difficult to figure out even some basic information. The purpose of this post is to answer some of the basic questions revolving around Snowden and the NSA.
Born on June 21, 1983 in Wilmington, North Carolina, Edward Joseph Snowden is soon to be thirty years old. He studied computing at Anne Arundel Community College, but illness left him unable to complete his coursework, leaving him without a high school diploma until the later completion of his GED. In 2011, he participated in an online program, working towards a Masters Degree with the University of Liverpool. Seven years earlier, in 2004, Snowden had enlisted in the US Army as a Special Forces recruit, but according to his own reports, was discharged four months later after breaking both his legs in a training accident.
Snowden’s former positions include (in the order he held them):
· Working for the NSA, he was a security guard for the Center for the Advanced Study of Language, a covert center.
· He worked for the CIA in IT Security.
· According to his own reports, the CIA placed Snowden in Geneva under diplomatic cover in 2007, where he oversaw network security.
· He reports leaving the CIA to work for a private contractor inside a US military base in Japan for the NSA.
· Until recently, Snowden held a position as a system administrator inside the NSA for consulting company Booz Allen Hamilton in Hawaii. He held this position for under three months and was fired on June 10th after his media disclosures.
Through the disclosure of documents and an arranged meeting in Hong Kong with reporter Glen Greenwald, of The Guardian, and documentary filmmaker Laura Poitras, Snowden revealed the following pieces of information:
I’m a huge Harry Potter fan. My grandma bought me the first book when I was 11, and from then on I read every book within the same week it was released. My extreme anticipation and excitement for the release of the final installment, Harry Potter and the Deathly Hallows, back in 2007 should be understandable then. However, I was conflicted. The release date for the 7th book was set for the end of July, which is far too close to the end of summer from a student’s perspective. You see my dilemma. As a typical high school student, I wanted the long carefree days of summer to last forever, however, I now had this exciting event to look forward to at the end of summer. For the first time in my life, I was looking forward to summer ending. This turned out to be the slowest summer ever. My summer that normally felt like it was only 16 days long now felt like the setting of a slow-motion dream I couldn’t escape. Ultimately, I became comfortable with the pace of that summer in 2007 and learned to enjoy my time and stay in the moment up until that long awaited release of the Deathly Hallows.
That summer was a stark contrast to a typical high school summer, which moves way too quickly and is filled with sobs of students during the final weeks. The days meld together and may begin to pass you by. Let’s take a look at some tips to ensure that you’re making the most of your summer and emerge into the next school year after a productive and fun vacation.
1. Break it down. You have two and a half months ahead of you with no academic obligations. Plan your summer by answering these basic questions which will provide an outline for your time ahead: 1. What will I do with my time?, 2. What are my obligations?, 3. What will be fun?, 4. What will be beneficial?
2. Travel. One of my biggest regrets of high school is that I considered leaving my street to be “traveling”. Travel and learn to be comfortable making your own decisions, being your own boss, and not having your mother force you to clean your room. You will gain experience, confidence, and surely return a changed person. More importantly, you will be better equipped to handle college. And anyways, girls like well-traveled men (and vice versa). If a trip outside of the US isn’t plausible, spend a couple days in a neighboring city.