Love Learn Ditch The Ebook by Ebony Archer

Table of Contents 1

About the Author

Introduction

Freshmen

Debt Elimination

Loan Forgiveness/Default

Reference Page

About Author- Angela Howze

Introduction

Congratulations on your decision to purchase Love Learning, Ditch the Debt. It is my mission to direct my community through strategic planning that provide people educational format needed to excel in college and beyond. This EBooks starts with guidelines on “how to attend college debt free”. This model focus on step by step thinking. The idea is to have holistic approach to receive free college education. Your liability for Financial Aid and a debt free college education. The aim is to shape the cultures in this environment to assist with borrowing smarter, leading to free college education. Neglect the culture conviction that says we must have student loan debt. There is a course of action that reconstruct your student debt obligations. According to the book guidelines, this cycle of compound interest and graduating with 35,000-200,000- in debt to the Department of Education is over! I have created modules to click on, so you can understand what principles expedite your criteria. I am not only going to show what you need to do, but I am also going to show you how exactly to do it. I am going to outlay my life work as a strategist- to represent the steps of free college education. Copyright © 2015-2016. All Rights Reserved.

9th – 12th Graders Reading-students should be able to clearly read and comprehend: Historical poetry

Classical poetry

News paper

Novels Information text

Every student should be able to write a research paperMLA Format that includes: •Sources •Autobiographies •Abstracts

I am going to share step by step core courses that should be considered in order to achieve the benefits of free college education.

FRESHMEN

Students will understand the difference and comprehend the meaning of following paper: •Persuasive •Argument •Descriptive •Compare and contrast • And how to write an EBook

Language Students will be able to speak, write and understand the verbiage of Proper English. •Proper use grammar •Subject verb agreements •Coma splices •Run on sentences •Conjunction usage (Fan boys) for, and, nor, but, or, yet, so etc.

Social Studies Know your History Know your different cultures Social involvement Old Testament/ New Testament Algebra 1, 2,3,4 Math Algebra 1,2,3,4, Trigonometry Calculus 1, 2

Science Health Biology Nutrition Antimony 1, 3 Chemistry 1, 2 When you complete these courses by the 10th grade. Begin taking ACT. If you are a slow learner, it is suggested to return to 5th grade workbook for guidance. Believe or not it does work. Copyright © 2015-2016. All Rights Reserved.

“No one is perfect- that’s why pencils have erasers”

Below are suggested courses to attend first at Junior College to boost your knowledge Intermediate Algebra

Reading

Intermediate English

Orientation

Retail Banking

Music/Art

Special note

Health

Things to know - every student must have an entry & exit plan for college. Give yourself 2, 4, 6 years of education to stabilize yourself for a comfortable lifestyle. 1.

What are you majoring in? This will keep you from changing your mind that will result in saving money. Notice what Resources are available to you on campus - Library writing Lab - Math Lab - Study Session Be versed- your fellow students may have notes that you may have missed from study groups. Get to know your instructors, Attendance is Key Ask for extra credit and letter of recommendation for your portfolio in the future.

If you have to purchase a book, check out links that present scholarships for book or purchase from Amazon, it’s competitive.

Be acquainted with your circle of friends. If you are the smartest in group, then you’re certainly in a wrong circle.

Don’t waste time. Do your assignment the very same day.

You’re not here to party or find relationships- That ‘s distraction- Key is to Stay Focused . Keep your objective in mind for being in college, nobody owes you anything. If you want free education, you must follow these steps and stay motivated. I believe in you!!! 10. Have a Vision Board completed and keep it in your phone and your room so that you can see it daily. 11. If you’re a Christian then pray-I can do all things through Christ who strengthens me. Philippians 4;13 NKJV.

Junior College Ready/University? (16 -28) Freshman

College Algebra

American History

Composition 1

Psychology

Art/Music

Orientation

Sociology

How to Attend Collage Debt Free You are a Grown-Up Since you have completed your Secondary Education and you have enrolled in College now. With that comes a lot for Concern for you. RIGHT??? You must be thinking right now, “Soon, I am a Freshman, So what’s next ?” You are certainly right if you are thinking what to do next. This way, you can start planning your academics and finance for your college.

Description of the contents

I have 4 requirements to get you started on this journey to debt free Education

1. You must have made up your mind to be successful. Henry Ford once said,” whatever you think you can or can’t, you’re right.

2. You must be coachable, willing to be trained and ready to take the guidelines and follow the advice.

3. You must understand that in order to receive free college education you must be willing to do the required work. Help is available and realize that nobody owes you anything , if you want success, you must work for it.

4. I don’t want you to talk about what you’re going to do. I want you to do it.

The Burdens of College Education/ Student Loan Debt The modern student is raised in a world where college education is seen as the only route to a stable career. As a result, young people are taking more and more debts, in an effort to provide themselves with the future that they've always dreamed of.

The sheer amount of student loan debt that today's young proletariat class faces is staggering. Over 40 million borrowers currently owe over 1 trillion dollars and there is no need to the problem in sight. There is no denying that student loan debt is a growing issue, one that shows no signs of slowing down anytime soon.

So what does a student who is forced to choose between a life of menial employment or incurring a massive debt that will hang over them like a dark cloud supposed to do? Getting buried in student loan debt and being forced to shoulder a massive financial burden are problems that prospective students would rather avoid, but what other choice do they have?

The Burdens of College Education/ Student Loan Debt Contd.. In most instances, they are expected to delay their future happiness by steering clear of marriage and children. They also tend to struggle when it comes time to make major purchases, such as homes and vehicles. The percentage of workers with a college diploma who are able to make the purchases that they desire is slim to none.

These cumbersome debts also cause a greater percentage of economic inequality, which underscores the real issue: student loan debt and its ability to undercut the economic opportunities that education is supposed to be offering. A student's primary objective when it comes time to shell out for a degree is to increase their level of economic viability, not place them in debt for the majority of their adult lives.

Winding up in the same place as where you started is not what college education is all about. It is supposed to lessen a student's burden, but for the most part, it only seems to make matters worse. Getting ahead for workers who are trapped in this predicament is merely a pipe dream, as many of them live in a world where breaking even is the main goal. Finishing college, only to find out that you can barely get by is not a fate that anyone should experience.

The Cost of College Tuition fees including fees for services such as library, health center and student activities.

First of all, it’s wise to know the cost of college for which you are planning. The college expenses usually vary on the basis of type of Textbooks and other school Room and board costs either supplies needed to complete your college: say private/ for on-campus or off-campus course. housing public/in-state or outPersonal expenses such as clothing, medical care, laundry, state. Apart from that, insurance, recreation, etc there’s also the number of courses, your major and of course, your own Utilities, phone bills, furniture and Transportation expenses personal lifestyle to bedding, toiletries and others if you travel home. consider. Following that, the cost for college education usually includes: Copyright © 2015-2016. All Rights Reserved.

These are all things that you need to consider when planning for planning financially for college. If you cannot afford going to college but don’t want to consider getting loans, there are ways for you to attend college debt-free. Here are some of the possible ways you can go to college without worrying anything about finances:

•Attend a Free College In the U.S., there are colleges that are completely free with room, board and living expenses are what you only have to pay. The tuition and other similar fees are usually covered by the college with some only requiring the students to work on campus a few hours in a week. Most free colleges are liberal arts colleges but there are also engineering and music.

•Earn Scholarships If you or your parents are unable to save for your college education, it’s possible to get to college through full-ride academic scholarships or perhaps an athletic scholarship. Of course, you have to know that these are highly competitive. As such, it is advised that while you look for full scholarships, you should also look for less known and competitive opportunities that can ease your college finances.

This is how you go to a debt free school

I’M A FRESHMAN, WHAT’S NEXT? Free Money!! A debt Free School

This 2. will explain your award letter Step StepLink 3. 1. https://www.salliemae.com/plan-forHere are some college Resources for college/financial-aid/expected-familyextra money and Scholarship: contribution/ Apply forPin these 3 Grants right away! Did you know that you can have extra https://studentaid.ed.gov/sa/eligibilityCreate – the student and This Apply is for the Pell timeavailable Grant-most to apply students and all ID money made toany you if you this parents need to create a FASFA Scholarships receive that you year. may have. happen $5775. inPer any of these in ordertotofall begin process for free Ifhttps://fafsa.ed.gov/ you need assist withfunds finding circumstance? These arethe only money. perfect Apply for match FSEOGfor contact me@ made available in you existence (http://www.financialaidstrategist.com https://www.salliemae.com/plan-forunforeseen emergencies. https://fsaid.ed.gov/npas/index.h iamangelahowze@gmail.com college/college-grants/fseog/ 100-is A sudden health emergency This tm your 4000 guide per year that youinwill do every year Unexpected loans income which MTAG-Through give you Financial aor debt Aid free OfficeDeath will in the family, other family education. 500.00 emergency. You will receive it in 1-3 business **Remember to work hard and stay Natural days disasters focused…this is your life and nobody owes you nothing!! Remember documents must Ifbeyou want totolearn how toItattend provided the school. is called college withAid. no student loans and a Emergency degree with benefits? http://www.financialaidstrategist.com on my Website and receive a 20 minute free consultation with purchase. Copyright © 2015-2016. All Rights Reserved.

Degrees with Benefits https://studentaid.ed.gov/sa/sites/default/files/public-service-employment-certification-form.pdf Attached are the degrees with beneifts. https://studentaid.ed.gov/sa/sites/default/files/public-service-loan-forgiveness.pdf Physical Therapist Teachers

Registered Dietician

Scientists/ Math Majors

Benefits

Counselors

Government Workers Nursing Here’s a tip. You can always get your debt forgiven if you’re willing to take the Praxis 1, 2 and teach at a school with needs for two years…think about. Debt eliminated. Copyright © 2015-2016. All Rights Reserved.

Get out of Debt & Loan Forgiveness

Now here’s the steps to get out of DEBT Default with Student Loans/Loan Forgiveness

Step 1

Step 2

Create Pin

Pull Loan Sheet

https://fsaid.ed.gov/ npas/index.htm

https://www.nslds.e d.gov/npas/index.ht m

You will receive it in 1-3 business days

Step 3 https://studentaid.ed .gov/sa/eligibility-this

Call 855-265-4038 Give them your information, you will be place in a repayment program. If you have Unsubsidized and Subsides loans and have been paying over the years, your loans may be eliminated by 10/17 https://studentaid.ed.gov/sa/sites/default/files/public-service-employment-certification-form.pdf https://studentaid.ed.gov/sa/sites/default/files/public-service-loan-forgiveness.pdf Asks for forbearance while getting loans transferred over-revise payment plan.-income base payment plan. Click this link to schedule a free 20 minute session. (http://www.financialaidstrategist.com) Copyright © 2015-2016. All Rights Reserved.

Default with Student Loans/Loan Forgiveness Step 3. Step 2. Step 1. Create Pin FASFA ID https://fsaid.ed.gov/np as/index.htm You will receive it in 1-3 business days

Pull Loan Sheet https://www.nslds.e d.gov/nslds/nslds_SA /secure/SaFinShowS ummary.do

https://studentaid.ed .gov/sa/eligibility-this

Call 855-265-4038

Give them your information, you will be place in a repayment program. If you have Unsubsidized and Subsides loans and have been paying over the years, your loans may be eliminated. https://studentaid.ed.gov/sa/sites/default/files/public-service-employment-certification-form.pdf https://studentaid.ed.gov/sa/sites/default/files/public-service-loan-forgiveness.pdf Asks for Forbearance while getting loans transferred over or a revised payment plan.-income base payment plan. Click this link to schedule a free 20 minute session. (http://www.financialaidstrategist.com) Copyright © 2015-2016. All Rights Reserved.

http://www.financialaidstrategist.com/ Visit my Website and receive a 20 minute free consultation with purchase. https://studentaid.ed.gov/sa/sites/default/files/publi https://fsaid.ed.gov/npas/index.htm c-service-employment-certification-form.pdf https://www.nslds.ed.gov/nslds/nslds_SA/secure/Sa FinShowSummary.do https://studentaid.ed.gov/sa/sites/default/files/publi https://studentaid.ed.gov/sa/eligibility-this c-service-loan-forgiveness.pdf Copyright © 2015-2016. All Rights Reserved.