Education

Federal Education Loan Cancellation

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One of the ways you could most likely eliminate your Federal student education loans is through student loan consolidation. Student loan consolidation courses are also called forgiveness or release applications, and are available to Federal education loan borrowers. Regulation makes it necessary that you be qualified for Federal student loan consolidation; even so you can find really certain requirements that must be satisfied to top quality.

Regular educators who just work at a low-income main or second university for a minimum of several straight several years could be eligible for a student loan cancellation. If you borrow from PLUS Loans, you may not qualify for student loan consolidation, an exception to this is. You need to additionally be a new customer.

If your loan was certified incorrectly because of identity theft, or if your school forged your signature on your promissory note, other reasons why you could qualify for student loan consolidation service are is your school you were enrolled with closed before completing your program.

Disabilities could also be eligible you for bank loan consolidation. Statement from your medical doctor declaring that you will be fully impaired after the loan was presented out is needed to be eligible for a cancellation as a result of impairment.

Individual bankruptcy might cause your loan to become cancelled. For your bank loan being cancelled due to personal bankruptcy resistant that repaying your loan would cause unnecessary hardship must be offered to the bankruptcy the courtroom.

Decide on consolidation programs may result in taxation consequences. By cancelling your loan based off of a job or school related incident, taxable consequences should not result from the consolidation. You may be exempt from having to bay the taxes consequent from consolidation programs, by claiming insolvency status using I.R.S Form 982.

Consolidating your lending options into one particular personal loan might be useful, as many find it easier to make one particular monthly instalment rather than several separate obligations per loan. Student loan support plans will help you choose the most effective alternatives for you when paying back or cancelling your education loans.

Student loan forgiveness programs may greatly help you, though it is important that you do not sit around and let your student loan debt pile up with the intention of using a forgiveness program to wipe them clean, as they are not guaranteed. With the aid of education loan forgiveness applications you will find on your own on the way to paying off your student education loans in your own speed. To get more valuable tips and information on paying off your student loans check out back often on our weblog.

Benefits Of Effective Record Keeping For A Home-based Education

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Regardless of the legal requirements of the state in which you live, there are many benefits to keeping effective records of your homeschooling activities. Firstly, and perhaps most obviously, you can always answer anyone who asks what class schedule or coursework your child has completed. The questioner may include a collegiate institution asking because your child is a non-traditional student and has applied to their institution.

Some states do not require any documentation at all, but laws may change, and your child may one day choose to enter into further education interstate or even internationally. If you have no records of your childs education, this could be needlessly stressful. If you are providing a full and rich education for your children, it is a wise choice to ensure that record-keeping is included as part of the mix. Some guidelines:

State/Provincial Audits
While this is not true for every state or every situation, some states in their laws regarding homeschooling allow the state education agencies to audit homeschoolers. This is to ensure that homeschoolers are teaching their children and not just keeping them at home. It is best to look at your local state/province to see their specific requirements

The answer to the question Do you have a high school diploma? varies, and may be asked by potential employers. There are several ways to deal with the high school diploma situation, including the following suggestions:

1.Depending on where you live, you may be able to sign and issue one to your graduating children.

2.Private schools may issue your graduating child with a high school diploma if you provide them with the appropriate records and materials.

3.Your child can take the GED, or your countrys equivalent, and have that certification as their testament to their secondary education.

Ok, so now we know why we keep records, how exactly do we do this? My suggestions are as follows:

Document everything every day. If you dont let it pile it up it doesnt become overwhelming. This way you will also always know where you stand if there are any requirements you have to consider or prove (hours in school, etc) to your local authority, potential employer, or the provider of further education.
Compile a scrapbook and keep records of important events because, even though youre not doing it through a school, your activities are still important in the life of your child! This helps you and your child create a record they can look back on with pride.
Keep all the assignments and school stuff in notebooks at the end of year. Many parents will file everything away in books to keep a record of assignments, to be able to accurately assess their childs skills in subjects, and to know what they need to work on a year to year basis.

AN INVESTIGATION INTO THE EFFECTS OF IMPROVISED INSTRUCTIONAL MATERIALS ON THE PERFORMANCE OF SENIO

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ABSTRACT The result of improvised instructional materials on students’ performance longitude and latitude at the senior technical colleges was assessed. Two hundred students of all senior technical colleges participated in the study. The students were grouped into two:- control group and experimental group (20 students formed each group “control and experimental”) preset was administered to both groups. Alter exposing the experimental group to treatment, post-test was administered. Mean and standard deviation was computed; ranked are used to answer the research question for the study. The t-test statistics was used in testing the null hypothesis formulated. The finding of this study shows that the group taught with improvised instructional materials performed better than the group taught without any instructional materials. Recommendations were offered on ways to promoting, encouraging and arousing the interest of teachers in the improvisation of mathematics equipment and materials.

INTRODUCTION For the purpose of definition, technical colleges are a post-secondary vocational training programme whose major purpose is the production of technicians and craftsmen. It is a special grade of vocational education which can be distinguished from other educational programmes because more mathematics and science are required in the training programme Okorie (2000) Today the population of Technical colleges has continue to decrease in the country, equally there had been an enormous decrease in the students population. This is due to the unimpressive state of the nation’s economy, the government has found it very difficulty to adequately finance technical colleges and also provide the scientific equipment required by these colleges. Therefore many technical colleges in the country operate without standard mathematics and science laboratories. Obviously the situation is not likely to improve in the nearest future judging from political and economic state of the nation, due to inadequate funding of the schools and colleges in the country. Consequently, the demand for mathematics and science equipment will continue to remain by these schools and colleges and the most feasible way to adjust with this demand is to resort to the improvisation of teaching equipment and materials. In Nigeria and other foreign countries, a lot of research work on improvisation of teaching of mathematics and science subjects had been carried out as part of the effort to promote, encourage and arouse the interest of mathematics and science teachers, educators and curriculum developers in improvisation of teaching equipment and materials. Alghomlan (1990) explain why mathematics teacher should improvise with available materials in other to achieve their aims in teaching. Therefore instructional materials help the teacher to meet individual differences of learners in class by using aid that appeal to different sense (Moronfola, 1983) Aina (2013), stressed that instructional materials are to supplement verbal explanation of concepts or any description so that the learning could be real to the student, therefore the national policy on Education (2004) emphasizes the teaching and learning of science principles, it also stated that the provision and use of science will lay a sound bases for scientific and reflective thinking among pupils. Ugoata (2006); Nwagbo (2008), asserted that teaching equipments and materials are often lacking in our schools. However, some of the equipments needed for teaching mathematics in technical colleges can be improvise to arose the interest of the students. Abimbola (1999), stressed that the primary purpose of instructional materials is to make learning more effective, and also facilitate it. Provision and use of instructional materials for mathematics teaching will lay a sound basis for scientific and reflective thinking among technical students. Studies have shown that the students enjoyed or gain more when improvised materials were used for teaching physics (Aina 2013).this was also supported by Eyetsemitan (2000) and Achimigu (2006) that the use of instructional materials improve achievement in basic science. METHODOLOGY An experimental design was used for this study, in which quasi-experimental approach was used. There was an experimental group and a control group. The experimental group was exposed to improvised materials. Their performances were later compared using the mean scores in pre-test and post test scores. Senior students of all the five Technical colleges in Kwara State were used for this study A total of 200 students comprising of 155 males and 45 females constitute the entire population which was considered appropriate and manageable by the researcher. These students were divided in to two groups. One group was experimental (20) and other group was for control (20) Two groups (A & B) of senior students from all the five technical colleges in the state were taught mathematics lesson on the determination of distance between two points on the earth surface along the lines of latitude. The duration was 45minites each. Each group comprised of twenty (20) students. Group A was taught with improvised instructional materials, while group B, was taught without using improvised materials. At the end of the lesson, group A and B were given a written test, their script were collected and marked, and the scores were later analyzed.

HYPOTHESIS There is no significant difference between the performances of students taught using improvised instructional materials and those taught without using instructional materials.

DATA ANALYSIS Student’s scripts were marked and the scores obtained by each of the two group of student were recorded independently. The mean score of each group was then calculated t – test was also computed to find out whether or not there was any statistical significant difference in the two mean score. RESULTS Table 1 shows the number of students that took part in the pre-test and post- test for each of the two group, i.e. experimental group and control group the table therefore shows that 200 student took part in the pre-test and the 200 students took part in protest. TABLE 1: DISTRIBUTION OF STUDENTS S/NOGroupsNumbers of students Pre- testPost- test AExperimental Group100100 BControl group100100 Total200200

Table II: – shows the mean scores of the two groups in the pre- test. The results indicate that the students had little or no prior knowledge of longitude and latitude due to their poor performance in the pre- test conducted. Table II: MEAN SCORES FOR THE PRE- TEST DescriptionExperimental groupControl group Total score75-IK No of students100100 Mean score23.824 Table III shows the test computation of students taught with improvised instructional material i.e. locally made “globe of the earth” and their counterpart without improvised material

VariablesNoMeanSDDfCalc.tCritical value tDecision Students taught with improvised material10082.59.85998.641.970Rejected Students taught without improvised material10041.56.75 HYPOTHESIS There is no significant difference between the performance of student exposed to improvised instructional material and those not exposed to it. The hypothesis was tested using t-test statistics at 0.05 alpha level of significant. Judging from table 111 above, it is indicated that die t-calculated value is 8.64, while the critical or t- table value in 1-970. Since the t-calculated value is greater than the t-table, therefore null hypothesis is hereby rejected. Hence there is significant difference in the performance of student taught using improvised instructional materials and their counterparts taught without improvised instructional materials. DISCUSSION OF FINDING Pretest mean scores for the two groups are higher than the scores of their post- test of die two groups, experimental group scores was also higher than that of control group scores. Differences in their scores indicate the effectiveness of treatment given to the experimental group. This was confirmed by the t-test statistics computation of the two groups. The treatment easily aroused their interest, aid their retention and stir-up the cognitive conflict in them, thereby engage them in active participation in the lesson presented. The control groups in order hand were just presented with facts and reasons. These act allowed students to a passive participation in the lesson thereby do courses mass failure in mathematics as a subject. CONCLUSION Mathematics teaching/learning at both junior and senior students of technical colleges required a lot of handling of teaching equipment and materials by the student’s before any meaningful learning could be achieved by the teacher. Therefore, in the absence of no unready made equipment, mathematics teachers should be encouraged and advised to always design and construct equipment and material by improvising from the available resources. RECOMMENDATIONS Based on the finding of this study the researcher makes the following recommendations: 1.That a comprehensive syllabus be prepared along with appropriate suggested teaching equipment and material by curriculum planners who are in charge of mathematics to guide mathematics teachers, so that the teaching and learning of mathematic in Nigeria may be thorough enough to achieve the technological development. 2.The national commission for college of education should introduce into the present NCCE curriculum for mathematics a detail comprehensive course on improvisation of mathematics equipment and materials.

REFERENCES Abimbola, A. (1999). Principles and practice of Education Technology, Ibadan, Nigeria: International Publisher. Aina, J. K. (2013). Instructional materials and Improvisation in Physics Class: Implication for Teaching and Learning. IOSR Journal of Research & Method in Education Aigbomlan, D.O. (1990) Improving the attitude of primary school science teachers toward improvisation, Journal of Science Teachers Association of Nigeria, 26 (2), 53-58 Achimugu, L. (2006). Resources Materials for Teaching Primary Science. In U. Nzewi (ed). Science Teachers Association of Nigeria Annual Conference Proceedings, 339-345. Heinemann Publishers Plc. Eyetsemitan, P.E. (2002). Curriculum Design and Development: The Teaching and Learning of STM with the Primary Science Curriculum. In M.A.G. Akale (eds) 43rd Science Teachers Association of Nigeria Annual Conference Proceedings, 420-425. Heinemann Publishers Plc. Federal Ministry of Education (2004) National policy on Education. Lagos, NERDC Morohunfola, P.I (1983). A study of relationship between instructional resources and students’ academic performance. (Unpublished master’s thesis) University of Ilorin, Ilorin, Nigeria.

Nwagbo, C. (2008). Science, Technology and Mathematics (STM) curriculum development; Focus on problems and prospects of Biology Curriculum Delivery. N. Udofia (eds) 49th Science Teachers Association of Nigeria Annual Conference Proceedings. 13-15. Heinemann Publishers Plc. Okorie, JU (2001) Vocational industrial education, league of researchers in Nigeria (LRN) Bauchi Nigeria. Uyoata, U.E. (2006). Availability, selection and utilization of instructional resources for teaching Primary Science in Uyo Local Government Education Authority, Akwa.

Positive Effects Of Music Education For Your Child

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Over the years, documented studies have confirmed the benefits of music education on new born and children. Music education benefits include everything from changing a students’ mood to helping them solve math problems. In general, it helps a student become successful in the school environment. Music has immediate effects on brain activity which scientists are still studying today.

For example, a study was done that involved second graders and math. In this study, the school kids were divided into two groups. One group used newly-designed math software to augment their mathematical skills. The other group also used this software but in addition the kids in this group received piano keyboard training. What are the results?

Both groups were tested and the second group of students scored twenty-seven percent higher on the math exam than the first group, which seem to show the positive effects of combining music teaching into other studies. Numerous studies have shown that learning and exposure to music results in improved communication between students. Fights and arguments are reduced. Also students who play in school bands are less likely to use tobacco and alcohol.

Ongoing research at the University of California-Irvine and the University of Wisconsin-Oshkosh (2) demonstrate that learning and playing music builds or modifies Neural pathways related to spatial reasoning tasks, which are crucial for higher brain functions like complex maths, chess and science.

The first studies showed that listening to a Mozart sonata temporarily improved a child’s spatial abilities. Further studies compared children who had computer lessons, children who had singing lessons, children who learned music using a Keyboard and children who did nothing additional. The children who had had the Music classes scored significantly higher – up to 35% higher – than the children did Who had computer classes or did nothing additional
Benefits of music education also include enhancing interpersonal communication skills. This result has also been proven by some of the many studies done throughout the years. A student who is having difficulty concentrating may find it easier when music classes have been added to the curriculum. Playing music helps a student become more self-disciplined and able to control their behavior better, because it provides an acceptable form of self expression.

If students learn to study music successfully they can use the same method to help them study in other classes. They will find it easier to understand instructions. Added benefits of music education include increasing a child’s creativity and helping him or her learn to cooperate with other students. Their social interaction skills improve after playing music together in a group.

In newborns, exposure to music is proven to help develop intelligence. Exposure to classical music helps develop reasoning and language skills in children when begun at an early age. In older children, music education helps them extend their knowledge of the world around them. Music education gives children an avenue to contribute to society, which in turn helps them in life. They are more likely to become well-rounded individuals.

Internet Moneymaking Opportunities In The Education Industry

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Although it should come as no surprise, there are a variety of ways for schools and educators to make money online. While the opportunities are endless, one recent concept has emerged, and thats the notion of selling goods and services through an educational auction and freelance network.

One of the more obvious ways that schools and educators can make money is by selling their unwanted materials and supplies online. The best way to get paid is through a trustworthy educational exchange website, where its free to list items, and a small fee is taken only when the item sells. You can sell items on behalf of the school, an individual, or a preschool or daycare.

If your colleagues are too busy to deal with selling their unwanted educational items, you can always assist them by listing their items for them, and then taking a percentage of their cut.

Educators and professionals can sell their services through the same educational networking website. By listing your areas of expertise, you can get hired to do the jobs that other educational professionals just dont have the time to complete.

You dont have to limit your moneymaking potential to selling goods and services you can also make money by being an affiliate. The gist of being an affiliate is that you indirectly promote the educational exchange site by sharing the link with interested parties and vendors. You receive money whenever your referral results in a transaction during the first year.

Why shouldnt schools and teachers make money in any way they can? You certainly cant depend upon your state and local government for additional help. Beyond selling magazines and submarine sandwiches to raise money, there has to be other avenues.

You can generate revenue by thinking creatively and showcasing your goods and services on the Internet. Youll find an entire pool of buyers online that you never knew existed. When you specifically use an educational exchange auction site, you can buy and sell almost anything related to the field of education.

Whether its janitorial supplies, puzzles, or televisions, there is a school or classroom that needs exactly what you have. You simply have to connect with the schools that need your old electronics or gym equipment. Perhaps you even have something brand new that you never used. Whatever youve got, take the time to list your items for free on a reliable educational networking website as soon as possible. Dont wait any longer to earn some extra money.