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Private Loan Consolidation - When Federal Consolidation is Not an Option

Private Loan Consolidation - When Federal Consolidation is Not an Option
Sometimes, when it comes down to your money, it is better off just handling it yourself and putting it into the trusted hands of someone who will make the wisest decisions with it. With that in mind, once you graduate from college, it is very likely that you will be saddled down with student loan debt and any other debt accrued during your college years (i.e. credit card debt). In situations like these, federal consolidation may either not be an option or just might not be the best option for your current needs. When this happens, think about using a private loan consolidation to get you out of dire financial straits. This can still save you money and will allow you to be less tied down by your student loan debt.

Examples of Private Loan Consolidations
An example of private loan consdoliation is a bank or some other financial institution that is willing to take your accrued student loan debt, pay it off for you, and then offer you a lower interest rate as you work to pay them back over a scheduled course of time. It is important to note that not all financial institutions offer these forms of consolidation, so research before you start thinking about private loan consolidations and find the best private loan offers for your specific needs.

Work Out A Plan
Finally, once you have found the right private institution to cover your student loans, work out the right deal for your specific situation. Try to work out a payment plan over the course of a certain number of months/years that is affordable for yourself or your family. Often times, these forms of consolidation will allow you to receive lower interest rates, which, in turn, will allow you to pay less money to achieve debt-free status. As with any consolidation, search around for the deal that is most suitable for your loans. Do not just settle for the first offer that comes your way. You can save hundreds and thousands of dollars per year on student loans through consolidation, so make the situation work for you.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and were dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Private Loan Consolidation at http://www.NextStudent.com .


About the author:

My goal is to help every student succeed - education is one of the most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.


Leadership Coaching Easier Said Than Done Steven J. Stowell, Ph.DRecently at a Pharmaceutical meeting in Europe, one of the presenters shared the results of a recent study that demonstrated that Managers who were trained in Eight Step Coaching Skills were out selling DMs who were not trained in the program. This quantitative data seems to support that the cornerstone of success lies in effective leadership coaching and diagnosing the needs of the Representatives. However, it is not simply a matter of being trained. Managers must overcome day to day hurdles to be an effective coach. It takes a knowledge of the skills plus the courage to open up sensitive and important topics with others. It takes time, a precious commodity in a DMs week. It takes self-control over our emotions when someone doesnt measure up on an important mission that we, as Managers care about. When we coach, we run a risk of opening up conflict, differences, and misunderstandings that can create discomfort. In short, coaching is easier said than done. But the results will be worth it if we are consistent and rigorous at using coaching skills.

Some DMs often ask us: Is it Coaching Skills or Coaching Steps? Clearly the heart of the Eight Step Coaching Model is composed of skills. The primary focus on skills and behaviors differentiates the Eight Step Coaching Model from other coaching training. For example, we call Step One, Be Supportive, and it depends on skillfully listening, giving recognition, and building collaboration. Likewise, Step Two, Define the Topic and Needs, requires the Manager to have good feedback skills, good questioning and inquiry skills, and the ability to define and clarify expectations.

The word steps simply means that there is a building process in progress when you coach. The word steps implies that there is a conceptual sequence. It doesnt mean that every time you speak with a Representative you have to force yourself through every step. Sometimes you have to coach quickly. An example may be coaching in between physician calls and you want to help the Representative with their skills. In this example, you can coach fast; you can cut right to the topic and plan. In other situations, you want to cover more steps or more skills in order to orchestrate a successful coaching experience. If you want to speak with a Representative about a larger topic, such as teamwork, goal attainment, or participation in meetings, you will definitely need to reserve more time and pull in more skills or steps. The key is flexibility. You need to know the steps or skills thoroughly and then draw on the steps that are appropriate for each situation. As you practice the Eight Step Coaching Model and apply it often, you become more natural. The more you experience the Model, you hardly realize that you are even following the process.

We hope you are not confused by the term steps. Think of it as a process that contains certain elements or skills and dont look at coaching as a rigid, formal process. In one study, we discovered that Managers were three times more likely to use the Eight Step Coaching Model in spontaneous and informal applications than in planned, formal, more lengthy discussions. When you are in a formal situation, we suggest you plan ahead, review the Model, and prepare yourself in advance. When a coaching moment emerges informally or unexpectedly, we suggest you pick and choose the skills or steps that you want to bring out at that moment. Remember coaching is a process, so follow up and fill in any gaps that are created when you are coaching informally or on the spot.

Coaching is a vital part of a DMs job. We get results through the efforts of our Representatives. The most non-supportive thing we can do to a Representative is to not coach. Effective leadership coaching will lead to a healthy relationship with your Representative. A recent study indicated that a key reason why people leave companies is because of a poor relationship with their Supervisor. We need to retain our quality people in order to be competitive over the long-term.


About the author:

Steven J. Stowell, Ph.D., is the Co-Founder of the Center For Management and Organization Effectiveness, Inc.

If you would like to learn more about leadership coaching or other CMOE management training programs, please contact a Regional Manager at (801)569-3444 or visit their website at http://www.cmoe.com/leadership-coaching.htm



Develop Your Career With An Online Bachelors Degree.Matt RussellGetting a bachelors degree online can be a fast and easy way to further your career. But before you enroll, there are a few important things you need to know.

First, youll want to make sure that the college that offers the online degree is accredited. School and universities are accredited on a state or national level. This accreditation means that a board of education has researched and approved the schools curriculum and course work.

Next, you will want to make sure that the school is highly recognized and that the bachelors degree is transferable. This helps because someday you may want to further your education by completing your masters degree and you will need to be able to transfer your bachelors credits.

Prerequisite to getting a bachelors degree from any university, you must first have at least a high school diploma or a G.E.D. It also helps to have some college or previous work experience under your belt. If you have previous college credits, then they can be applied toward your bachelors degree program and shorten the length of time that you will need to be enrolled in school.

Without previous college credits, most bachelors degree online programs take up to three years to complete. This time frame is based on an individual that takes at least twenty hours of course work a week. With prior college credits, or by spending more time on course work each week, some individuals can complete their bachelors degree online program in as little as one year.

To decide which college or university to enroll with, it is best to decide what type of degree program you need. Many colleges offer these programs but some specialize in different fields. For example, Ashworth College is highly recommended for a bachelors degree in business, while Penn State University is a good place to do an education degree.

You also need to see if the class schedule is suited to your needs. Many online programs allow you to download the course work and complete it at your own pace, but some programs require that you log on to the Internet for virtual class sessions a few times a week at a designated time.


About the author:

Visit Matt Russells sites www.top-online-degree-info.comand www.online-degree-options.comfor more great info and resources.



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