Morgan for our Schools » private schools

Prep Schools – What Are the Pros and Cons?

admin — Sat, 24 Jul 2010 17:23:47 +0000

Canadian prep schools offer high school students a unique experience. Approximately six percent of all students in Canada attend prep school. In prep school, your child will get exposure to a wide variety of programs designed to make him or her a well rounded person. Prep schools traditionally have a strong academic and athletic focus, as well as providing opportunities for cultural and leadership activities. If you are considering prep school for your child, you should carefully evaluate the pros and cons of your decision.

Private School Advantages

Academics – Private schools are sought out by parents because of their rigorous academic programs. Statistically speaking, more students from prep schools attend college and earn high marks on their college entrance exams than those from private school. There are a wide range of choices including International and French Baccalaureates, Advanced Placement and British O and A levels. There are traditional British style prep schools, Christian schools, Montessori schools and Waldorf schools, as well as liberal education schools with specific educational philosophies.

Athletics – Most prep schools require participation on an athletic team in order to attend the school. Prep schools give a lot of support to their athletic teams and they often have a wider variety of sports than public schools, like diving or golf.

Language development – Most Canadian prep schools offer extensive training in English, French and other languages. Some require that students be proficient in at least two languages in order to graduate. The language training at prep school goes above and beyond what is experienced at public schools.

Low student to teacher ratio – Small class sizes mean that your child gets more attention from his or her teachers. Teacher and student interaction is a vital part of the learning experience. In prep school, your child’s teachers will know him or her very well and are able to keep students on track with their studies.

Parental involvement – Since parents are the “customers” of prep school, they are highly involved in the lives of their children and the school. Parents participate in school wide events and other activities. Unlike in public school, where vocal parents are sometimes seen as a nuisance, private school administrators welcome parent feedback.

Private School Disadvantages

Cost- This is by far the biggest deterrent to private prep school. Prep school can cost $10,000 to $28,000 per year. This cost can be increased if you choose a private boarding school. These schools are a major financial commitment and this should be the biggest factor in your decision.

High pressure – The academic pressures of prep school can be a lot for a teenager to handle. The increased homework load and high expectations from students can create a high pressure environment. If your student isn’t used to college preparatory classes, he or she may have trouble adapting to the more rigorous curriculum.

Keeping up with classmates – In prep school, your student may be exposed to a completely different social class than the one they are used to. The spending limits and lifestyles of their extremely wealthy classmates may provide extra pressure on them to fit in. Your student may want to spend extra money on clothes and activities to keep up with the rest of the class.

Fundraising – Even though private schools are funded by parents, there’s no shortage of fundraisers to sponsor various extracurricular activities or new building projects at the school. Expect to be invited to many dinners and events where are expected to fork over donations.

Federal School Loans vs. Private Loans – Which is Better?

admin — Tue, 16 Mar 2010 18:01:19 +0000

Most people need some sort of outside funding to help pay for their college education. When looking for student loans, you have two choices. You can apply for federal loans which are backed by the government or you can seek money from a private lender.

Each method comes with benefits and drawbacks, so it’s hard to say which one is better. This article will explain the benefits of each and help you decide which is right for you.

Federal School Loans

Federal school loans are government regulated. This means that the lenders have to abide by strict rules when it comes to repayment terms on your loans.

For example, interest rates on federal school loans are set at a ceiling by the government and the lender cannot exceed that rate. They can go lower than that, and in some cases they do in order to stay competitive with other lenders, but they must stay below the max. This is good for the borrower because when they take out a federal loan they know what to expect with their interest rate.

Federal loans are typically fixed rates as well, which means the interest rate is set at a specific percentage and won’t change for the entire life of the loan. Fixed rates mean there won’t be any surprises in your payments from month to month. They should be almost exactly the same each month.

The interest you pay on your loans each year on federal loans is tax deductible, too. If you owe a lot of money, you can claim a nice chunk of your payments as deductions.

One final advantage of federal school loans is the flexibility of repayment you’re allowed. If you’d like you can arrange for your loan to be a 10, 20, or even 30 year loan, which will lower your monthly payments and make them more affordable.

Private School Loans

Perhaps the best part of private school loans is the ability to apply for one whenever the need arises. With federal loans you have to fill out the required paperwork ahead of deadlines in order to receive a loan for a given semester. When requesting private loans you can apply at any time.

Another great thing about private loans is they can be used for fringe school expenses, such as books and transportation. Federal loans must be applied to specific expenses, such as tuition and room and board, but private loans can be used for just about anything not covered by federal loans.

Private loans are not need-based, either. This means that no matter your or your parent’s financial situation, you are eligible for private loans. Financial aid and many federal loans consider your financial need before you receive money, and sometimes the amount is reflective of your need. Private loans, on the other hand, will give you the amount you request, provided you meet their credit check criteria.

Which is Better?

Which type of loan is better depends entirely on your personal situation, however, knowing the facts will help you make the best choice for you. This article addresses some of those facts but be sure to discuss the options with your school financial aid office as well.

For more about school loans consolidation visit School Loans Consolidation Guide where you’ll get free student loan advice and a student loan consolidation comparison.

Easy Way To Find A Web Host

admin — Fri, 12 Mar 2010 12:03:29 +0000

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This is one among the top hosting service providers over the internet who offers customers with relevant web hosting information and other details regarding the hosting programs. The best part of this website is the ranking system which they provide for their customers. This unique ranking option provided by this website offers the chance of choosing the best hosting service provider who can full fill their budget as well as their requirements of the customers. This website ranks the hosting service providers by taking into consideration some of the basic parameters such as the types of service offered, the technology which they support, the cost, the customer service etc. You can also find reviews in this website and it’s known for the collection of these reviews on different aspects such as dedicated hosting reviews, dedicated hosting reviews, website news etc.