Saturday, 25 February 2012

Am I Eligible For A Federal Stafford Graduate Student Loan

To be eligible for a Federal Stafford Graduate Student Loan the government requires that the college student be enrolled at least as a part time student in a program of study. In order to apply for the Federal Stafford Graduate Student Loan you must first complete a FAFSA at www.fafsa.ed.gov. After you have completed your Free Application for Federal Student Aid (FAFSA) your college will notify you regarding your eligibility for a Federal Stafford Graduate Student Loan. Once your eligibility is confirmed you are going to have to complete what is called a "Master Promissory Note", plus any other documents your particular school requires. After your eligibility for your Federal Stafford Graduate Student Loan has been confirmed by your school, it is best to contact your schools Financial Aid Department so you can find out your schools exact requirements for the completion of your Federal Stafford Graduate Student Loan.

What Are Graduate PLUS Student Loans

Federal Graduate PLUS Student Loans are an option for graduate students, when their Federal Stafford Graduate Student Loans do not cover all of their education expenses. Graduate PLUS loans are federally sponsored student loans, however unlike other federal student loan programs, borrowers will be required to pass a credit check for these type of loans. Graduate students are eligible for a Federal Graduate PLUS Student Loans if they comply with the following:

1. Are enrolled in a college as at least a part time student
2. Will submit to a credit check
3. Are a U.S. citizen or national, a U.S. permanent resident, or an eligible non-citizen.
4. Fill out and submit a FAFSA application

What Are Graduate Student Loans For Specific Fields Of Study

Graduate Student Loans for Specific Fields of Study are graduate student loans that are tailored to meeting the specific needs of the graduate program the student is entering. Some examples of Graduate Student Loans for Specific Fields of Study are MBA Loan Programs, Dental School Loans, Medical School Loans, Business School Loans, Law School Loans, and Nursing School Loans.

What Are Graduate Stafford Student Loans

Much like undergraduate Stafford student loans, Graduate Stafford student loans are Federal student loans, the difference being that for a graduate student the borrowing limits for the Stafford student loan are going to be higher to compete with the inflated cost of graduate school. Since Graduate Stafford student loans are federally regulated student loans, most students choose to exhaust the amount they can get from these student loans before they apply for private student loans. Graduate Stafford student loans come in two different types, subsidized and unsubsidized.

Difference Between Subsidized And Unsubsidized Stafford Graduate Loans

The main difference between a subsidized Federal Stafford Graduate Student Loan and an unsubsidized Federal Stafford Graduate Student Loan is who pays the interest on the loan while you are attend college. With unsubsidized Federal Stafford Student loans the borrower is responsible for all of the interest that accrues on the loan while you are in school. Once you graduate, all of the deferred interest that has been accruing while you were attending school will then be added to the principle of the loan. For subsidized Federal Stafford Graduate Student Loans, the federal government will pay the interest on the loan while you attend college, and during the deferment period(s).

What Are The Interest Rates On Private Student Loans

The interest rates for private student loans will typically be variable interest rates, that depend on the loan type, lender, and the borrowers credit score. Generally the higher your FICO score, the better off you are in terms of private student loans and their corresponding interest rates.

Am I Eligible For Private Student Loans

Private student loans are largely based on the borrowers credit score. Individuals with bad credit or little credit history may have a difficult time qualifying for private student loans without the help of a creditworthy cosigner. Even if you (the college student) have good credit, and qualify for a private student loan on your own, some private student loan lenders may offer a lower interest rate for applying with a creditworthy cosigner.

What Are My Options For Graduate Student Loans

With graduate student loans, your student loan options are similar to those of undergraduate student loans, the difference being that graduate student loans often have higher loan amount limits. There are three main sources for graduate student loans: federal graduate student loans, private graduate student loans, and graduate student loans that are specific to the program of study.

Who Needs Private Student Loans

Many college students need to apply for private student loans, because federal student loans often do not cover the full amount of a students college education expenses. Private student loans are needed by both graduate and undergraduate college students. Students should always exhaust all other college financial aid options before applying for a private student loan.

Are There Different Types Of Private Student Loans

There are different types of private student loans, and private student loans can vary with each lender. For example, some private student loan lenders will offer non-school-certified private student loans, and/or different private student loans depending on the college student's level of study. It's important that before applying for private student loans, you determine your needs, and then compare your options. There are many private student loan lenders out there, so be sure and find the one that can best fit your needs.

FAFSA And Transferring To A New College

Q: If I have decided to transfer to a new college, but have already filed my FAFSA with the information for my current college, will my FAFSA money automatically transfer with me to my new college?

A: FAFSA will not automatically transfer a student’s financial aid to a new or different school. Students financial aid eligibility is calculated on a number of different factors, including factors that are specific to the school a student is attending. While some types of financial aid, such as Federal Stafford Loans, are typically transferable from one school to another, other types of financial aid, such as Federal Work-Study, certain state-based grants, campus-based aid, and Federal Perkins Loans, are often not transferable to another school.

When a student transfers to a new school, that school will need to recalculate the students financial aid eligibility. Since each schools cost of attendance, available financial aid funds, and financial aid criteria/policies are different, the student may not qualify for the same types of financial aid, or receive the same amounts from each type of financial as they did at their previous school. For students who are transferring schools, you will need to contact the financial aid office at your current school and inform them of your intended transfer to the new college or university. Your current schools financial aid department will be able to inform you about any money currently owed, or any federal student aid refund you may be eligible for. Next, students will want to login to fafsa.ed.gov and add their new schools information. This will allow the new school to have access to the students federal financial aid information. Your new school should then send you a Student Aid Report within a few weeks, detailing what federal financial aid programs you qualify for and what amounts you are eligible for at the new college or university. For any questions regarding financial aid at the new college or university, contact that college or university’s financial aid office.

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What Makes Federal Student Loans Different From Private Student Loans


The largest differences between federal student loans for college and private student loans for college, are that federal student loans have lower interest rates, do not require credit checks, and often times provide a wider variety of deferment options and extended repayment terms. It is because of the differences listed above that college students are advised to exhaust their federal student loan options (and other "free money for college" options such as scholarships and grants) first, and then supplement what the federal student loans will not cover with private student loans.

Many college students find that federal student loans do not cover the full costs of their college expenses. When considering a private student loan it is important to do your research. Compare different private student loans from different lenders to make certain you are getting the best deal and carefully read and understand your rates, terms and repayment options. Private student loans can help bridge the gap from what you receive in federal financial aid and what your full college expenses are, but be careful to not borrow more than you absolutely need.
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What Are Federal Student Loans

Federal student loans for college are student loans facilitated by the US Federal Government. Federal student loans are among the most popular and most sought after student loans for college. Most financial aid experts recommend that a federal student loan should be the first type of loan a college student applies for. Prior to July 1st of 2010, banks and financial institutions could provide federal student loans that were guaranteed against default by the US Department of Education through the federally-guaranteed student loan program. After July 1st of 2010 all federal student loans are provided through the Direct Loan Program, where the funding comes directly from the federal government.

Applying for federal student loans is done by filing a FAFSA (Free Application for Federal Student Aid). Filing a FAFSA is free and only needs to be done once per academic year. Once you have filed your FAFSA, you will receive a SAR (Student Aid Report) which will outline the federal student loans you qualified for and at what amounts. There are three main types of federal student loans: Federal Stafford Loans, Federal Perkins Loans, and Federal PLUS Loans. You can read more about each specific federal student loan by clicking on the each loan type. Read More...

Walmart Scholarships

Walmart has multiple scholarship opportunities for college students. Each year Walmart gives away millions in Walmart scholarships for college. The Walmart Foundation offers three scholarship programs and also administers the Walton Family Foundation Scholarship on behalf of the Walton Family Foundation.

The Sam Walton Community Scholarship
A $3,000 college scholarship available to graduating seniors with at least a 2.5 cumulative GPA and a demonstrated financial need.

The Walmart Associate Scholarship
A $3,000 college scholarship available to Walmart and Sam’s Club associates or dependents of associates who are graduating seniors with at least a 2.5 cumulative GPA and a demonstrated financial need.

The Walmart Higher Reach Scholarship
Provides a college scholarship up to $3,000 to Walmart and Sam’s Club associates who have been out of school for at least one year.

For more information on The Walmart Scholarships or to apply, please visit walmartstores.com. To find more scholarships for college, use our Free Scholarship Search above. Read More...

Truman Scholarships


Truman Scholarships
Are you an undergraduate student who wants to do something constructive for the society or your country by working in education sector or in government institute or for nonprofit organization? If yes, then you should apply for Truman Scholarship, which offers $30,000 for doing graduation in law or doctorate or masters degree in various fields like education, public health, international affairs, public policy and social work.

Truman Scholarship is administered by the Harry S. Truman Scholarship Foundation and it is provided to around 65 junior college students or third year seniors every year.

To become eligible for Truman Scholarship, an applicant must be designated by the delegated faculty, where the candidate is pursuing an undergraduate course. The candidate must possess at least 3.5 of GPA, enrolled for full time course and must be a US citizen. The contribution of candidate in social activities and his volunteer performance in constructive activities during the academics play vital role to get eligible of the scholarship. A person, who is eligible for Truman Scholarship, must devote three years to field of public service or else he has to return his scholarship back. The scholarship foundation looks for a candidate, who is a volunteer and has shown great passion towards the public services. An applicant must have taken active part in community service and recognized social problems very well.

Monetary compensation is not the only benefit of Truman Scholarship but Scholars can avail other important benefits as well. The achievers of this Scholarship get help for internship placement, career counseling, soft skills training and admission for graduate courses. Truman Scholars also get an opportunity to participate in programs like Public Service Law Conference, Truman Fellow Program and Truman Scholar Leadership Week. Many professional colleges offer some sort of funding and priority to the candidates whore are recognized as Truman Scholars. If any Truman Scholar takes part in United States Foreign Service Exam then he is exempted from the written section part of the Exam.

Every year, in order to divulge latent talent from every institute; Truman Scholarship is honored to one or two candidates from the colleges which have never had any Truman Scholar in their history. Truman Scholars possess expertise, leadership skills, intellect and self motivation that groom them to become a strong force, which can be utilized in any kind of field for the development of society. Read More...

Marshall Scholarship


Marshall Scholarship
Are you a recently admitted college undergraduate or want to pursue a graduation degree in UK? If yes, then you should apply for Marshall Scholarship, which is open for US citizens also. In 1953, Marshall Scholarship was formed by British government with a motive of being generous to the citizens of United States who help in funding the scholarship. This Scholarship program assisted in recuperating Europe after the destruction during Second World War.

Every year, 40 scholarships are awarded to qualified candidates and around $34000 are provided to every scholarship holder.

The Scholarship consists of accommodation expenses, tuition fees, books, stationery and transport expenses involved during the education. The scholarship helps in achieving graduation degree at more than hundred institutions of Scotland, England as well as Ireland and from renowned universities of London, Cambridge, Edinburgh and Oxford. As the universities like London, Oxford and Cambridge have high demand, the candidates who opt for other universities than these will definitely have high chances of getting scholarship. The applications for Marshall Scholarship are only accepted online and the date of displaying cutoffs is mostly during the early October.

In order to be eligible for the Marshall Scholarship, a candidate must hold bachelor’s degree honored after year 2003 and it should be from American university or a recognized college. The key objective of Marshall Scholarship is to formulate intellectual and scholar American citizens, who can become future leaders of the country. The Scholarship program also emphasizes on spreading the knowledge in technology, science and other creative fields. The selection process of the program is coordinated by specific eight British Embassies in United States. The selection committee in every region includes notable individuals and scholars, who follow stringent criteria while short listing an applicant for an interview. Approximately 60 % of total candidates qualify for final round of interview, which again includes rigorous selection criteria.

Marshall Scholars are independent, talented and self motivated people who play vital role in improving the social growth. Being future leaders and responsible citizens of British society, Marshall Intellectuals help in enhancing the relationship between American and British people. Their direct interaction with Britain through quality academic education definitely assists in contributing to the personal as well as nation’s success. Read More...

National Merit Scholarship


National Merit ScholarshipRising cost of education is acting as a barrier for students who want to pursue college education and build up their career after high school. Even meritorious students are facing challenges in coping with high fees and other expenses while opting for a course, college or university of their choice. They are the future leaders and to ensure that their merit does not go waste, a number of merit based scholarships are available. One of these scholarships is the National Merit Scholarship which is available for high school juniors who wish to further pursue college education.

National Merit Scholarship Program, administered by a not-for-profit, privately funded organization National Merit Scholarship Corporation, was started in 1955. But getting this scholarship is not easy as it involves a series of steps. Any college bound student must appear for the preliminary SAT, also called National Merit Scholarship Qualifying Test (NMSQT), which acts as a screening test. It is attempted by more than million juniors from high school out of which top 50000 students are given recognition and their schools are notified. They are given a chance to choose two colleges they would like to pursue and NMSC sends their scores to the respective colleges. Then these students are notified by the colleges whether they have qualified as a ‘semi finalist’ or are ‘commended’. Commended students cannot compete for National Merit Scholarship but receive Letters of Commendation for their promising outstanding academics. Some of these students qualify for Special Scholarships which are sponsored by businesses and corporate. Around 16000 semifinalists are notified out of the top 50000 scorers out of which around 15000 reach the final stage. Based on their academics, skills, performance, talent, accomplishments, abilities and essay written by the person, around 8200 final merit winners are chosen from the group of finalists.

Merit winners get $2500 each at the freshman year of their college and it adds weight to their college admissions. Colleges boast of having a number of ‘National Merit Scholars’ enrolled with them. Many colleges also award large or full scholarships to National Merit Scholars to attract them to their college. They are awarded on state representation basis and do not consider the financial condition of the family.

The benefits are not only for winners, being a semi finalist or a finalist is also an appreciable position and carries lot of weight. It is a best way to gain recognition for college admissions and become eligible for different college and corporate sponsored merit based scholarships.

Though becoming a National Merit Scholar involves a stringent process, it is attempted by millions of high school students as more than the modest monetary scholarship it gives recognition to the students. Read MOre...

Coco Cola Scholarships


Coco Cola Scholarships
Started in 1986, to commemorate 100 years of flagship brand Coco Cola, Coco Cola Scholarships are one of the most respected corporate scholarships awarded to young people for their education. It helps in building leaders of tomorrow by providing them assistance, in the form of scholarships, to pursue quality education and built their dream careers. These scholarships are largely generous hence they are one of the most sought after scholarship programs. It awards around $3 million to high school seniors and has awarded scholarships amounting around $48 million till date.

Coco Cola Scholarship programs can be classified as–

• Four Year Award for Seniors – This scholarship is based on merit and students from all public and private schools across U.S. are eligible to apply. It is for seniors in high school who want to study further and attend a 4 year college or university. This scholarship is paid out over 4 years and requires a minimum 3 GPA at the end of the junior year at high school. From the applications that are received, around 2200 semi finalists are shortlisted. They are supposed to submit a secondary application and then a group of 250 finalists are selected from them. Out of these 250, only 50 students are chosen as National Scholars and each awarded $20000 for their education while remaining 200 are the Regional Scholars and each receives $10000 for their education.

• Coco Cola 2 Years Scholarship Program – Even this is a merit based scholarship given to students in 2 year colleges who exhibit leadership skills, volunteer participation in communities and excellent academic record. Around 350 outstanding, civic minded students are awarded $1000 under this program which is administered by Phi Theta Kappa.

• Coco Cola First Generation Scholarships – This is a unique scholarship program that is awarded to students who are first to attend college in their immediate families. This program has awarded more than $19 million under this scholarship program.

• Coco Cola All State Community College Academic Program – These are 400 scholarships awarded to students who are planning to attend or attending a 2 year college and earn a degree. Under this program, in each of the 50 states, the top scoring student is named ‘New Century Scholar’ and awarded $2000 scholarship each. Remaining 350 are classified as Gold Scholars ($1500 scholarship), Silver Scholars ($1250 scholarship) and Bronze Scholars ($1000 scholarship). The applicants must be enrolled at a community college and have a college level cumulative GPA of 3.5.

Coco Cola Scholarship Programs do not evaluate a person on his financial need; it evaluates in four areas namely academic achievement, community service, leadership and employment. It is their contribution to the society in creating civic minded leaders of tomorrow. Read More...

Federal PLUS Loan


Federal PLUS LoanFederal PLUS Loan is referred as Federal Direct Parent Loan for undergraduate students. It is only type of Federal loan which is offered to parents whose child’s education entirely depends on them. Step-parents are also eligible for Federal PLUS loan if their assets and income are declared in the FAFSA. If both, husband and wife want to take parents loan for education of their child, then both of them have to finish loan application process individually.

Borrowers must finish the Master Promissory Note (MPN) to initiate the loan application procedure. The credit check will be conducted in next step and applicant receives his confirmation after meeting the credit guidelines. If the loan is approved, then the borrowers can receive the fund which is entire cost of attendance minus other form of financial aid student already has received. In order to get eligible for Federal PLUS loan, borrower must be biological or step-parent or adoptive parent of student. The child should be dependent on his parent and he should finish half of the school course from the institute which is included in direct loan program.

Parents who are applying for the loan must have sound credit history to become eligible. If the parents are not able to pass the credit test, then they can be eligible for loan only if their relative or friend endorses the loan. The parents and students involved in Federal PLUS loan must be US citizens. They must not be part of defaulters list of federal education loan. In order to process your loan, the Department of Education of US will charge loan origination fee of around 4%. The borrowers of direct loan may avail a rebate of 1.5% and reduction in upfront charges up to 2.5%. Borrowers have to make their initial 12 payments on time to avail the loan benefit properly. Loan fee is reduced in equivalent proportion from every installment of borrower’s Federal PLUS loan.

In Federal PLUS Loan, borrower has a facility to decline the loan at any point of time and student can borrow any other unsecured loan on his own name. Borrowers repay their installments to the lender as per the terms mentioned in disclosure statement. Loan provider or lender provides frequent updates to the borrower on his status of Federal PLUS loan.

Source: http://simply-college.com/student-loan/federal-plus-loan.html

Federal Student Loan – Federal Monetary Assistance for Education


Federal Student Loan
Nelson Mandela has rightly stated ‘Education is the most powerful weapon to change the world.’ Education, with its endless benefits, is an important element of every person’s life. It not only helps in the development of a person as an individual but also helps in the progress of his family, society and the nation. With an increase in the importance of education, the cost associated with it is also increasing. Hence a number of students are opting for monetary assistance like student loans to pursue their college education. There are a variety of student loans available and it is important to opt for a loan that perfectly suits one’s needs.

One of the most preferred and economic type of student loans is the federal student loan. These are the loans for education given by the federal government and are provided through the Federal Direct Student Loan Program (FDLP) by U.S. Department of Education. The federal government program for loan to students has been designed to cater to diverse group of students. This loan can be subsidized or unsubsidized. In a subsidized loan, interest on loan is paid by government when the student is completing his education. In an unsubsidized loan, the interest on the loan has to be paid by the borrower. Fixed, low interest rate and no collateral or credit checks make it a favorable option for students.

Federal student loans can be further classified as–

• Stafford Loans – These loans are available on subsidized and unsubsidized basis for undergraduate as well as graduate students. These loans are not subject to an approval of credit and also offer 6 months deferred repayment period.

• Perkins Loans – These fixed interest rate loans have very generous terms and are designed especially for students with acute financial needs. They can be taken by undergraduate or graduate students who qualify in the loan terms.

• Parent Loan for Undergraduate Student (PLUS) Loans – These loans are taken by parents for the education of their children. The loan terms are different than other types of federal loans like the interest is comparatively higher, commitment of repayment is done by parents etc.

• Consolidation Loans – These loans are for students who have more than one federal student loan to repay. They can consolidate the various loans into a single loan at a fixed interest rate and longer repayment term.

The benefits of federal student loans are –

• Federal loans offer a grace period (deferred repayment) after the completion of education.

• Rate of interest is lower than private loans like for undergraduates it usually ranges in 3.4% to 6.8%, depending on the type of loan.

• As rate of interest is fixed, the repayment amount stays same over the loan period and without any ‘surprise’ increases.

• Less stringent credit requirements makes most of the students eligible for federal loans.

• Federal loans are designed in a way that the borrower is protected even if he runs into a financial trouble.

Any parent or student must explore the varied options available under federal student loans before opting for a private loan.

A wise, careful and well-thought made choice of loan will save you from being burdened under a mountain of debt to be tackled after the completion of your education. Read More...

Stafford Loan – Federal Loan for Education


Stafford Loan
It is commonly seen that cost of education rises with the level of education from school to undergraduate, graduate and post graduate. Most students seek various avenues like scholarships, grants and financial aids to support the high cost of their education. If these do not work or are not sufficient, they knock on the doors of federal student loan to acquire monetary assistance for their education. Of the various types of federal student loans designed to suit different needs, Stafford Loan is very popular among the students.

A Stafford Loan helps students with their tuition fees and other educational expenses. This loan was previously known as Federal Guaranteed Student loan but in 1988 it was named in honor of U.S. Senator Robert Stafford as Stafford Student Loan Program. Popularly known a Stafford Loan, it provides loans to undergraduate, graduate or professional students at a fixed, low rate of interest. They can be obtained from credit union, bank or from the government and are regulated by federal government.

They can be classified as–

• Subsidized Stafford Loans – In a subsidized Stafford loan, while the student is in school the interest is paid by the government. Even during the authorized deferment period and during the grace period, the interest is paid by government. The student needs to be enrolled in a school for atleast half time (6 credit hours) and if he drops out of school then he becomes responsible for the monthly repayment.

• Unsubsidized Stafford Loans – In an unsubsidized loan, government does not pay the interest and entire repayment is done by the borrower.

To become eligible for a Stafford Loan, whether subsidized or unsubsidized, the person must submit the FAFSA (Free Application for Federal Student Aid) application. The student must also be enrolled in an undergraduate or graduate course atleast on a half-time basis. The type of loan for which a person qualifies depends on his financial/dependency status and EFC (Expected Family Contribution).

Interest rate is fixed for Stafford Loan and is 3.4% for subsidized loans and 6.8% for unsubsidized. Repayment of Stafford Loan begins after a grace period of six months after graduation or termination of the study program (whichever is first). There is no need for credit approval and can be consolidated later.

But Stafford loan follows increasing borrowing limits and one cannot access the entire loan amount at once. Depending on the status of the degree and how far person is in school (number of years) a person can access the loan for example, undergraduates can take an amount of $5500 in first year,$6500 in second and $7500 each year until they reach $31000. The limits are separate for dependent undergraduate students, independent undergraduate, professional and graduate students.

The benefits of Stafford Loans make it a popular and lucrative option to secure low cost financial aid to support one’s education. These loans are student’s first choice in federal loans and have earned the reputation of making college payments easier. Read More...

Federal Perkins loan


Federal Perkins loan
Federal Perkins Loan is a kind of low-interest loan for graduate as well as undergraduate students who have extraordinary fiscal need. Perkins loans are offered through financial aid department of school or college. While opting for Perkins loan, your college or school is your financial lender and you must reimburse the loan to your college in stipulated period of time. Your college may pay you in the form of check (cheque) or it may deduct the amount from your academic fees. A candidate may obtain the loan in two installments during his academic year.

Federal Perkins Loan is designed by the American Department of Education to help college students of US in financing their education. The loan plan is named after one of the former member of US House of Representative, Carl D. Perkins. Perkins loan offers maximum amount of $60,000 for graduate students and $27,500 for undergraduate students. Interest rates of Federal Perkins loan are capped at 5 percent for the repayment period of ten years and an undergraduate student can only borrow maximum $5,500 of loan per year. The amount of loan a candidate is eligible for actually depends on his financial need, amount of financial aid taken before and fund availability at school.

Perkin loan plan provides grace period of nine months to the borrowers, which gives an opportunity to a student to make their repayment from tenth month after graduating. As Federal Perkins Loan is funded by government, the interest rate accrual begins only when a candidate start repaying his loan. A borrower doesn’t need to pay any other charges than interest in Federal Perkins loan. However, if he skips the payment or doesn’t make complete installments in stipulated time span then he might have to bear collection cost as well as partial loan default charges.

The greatest advantage of a Federal Perkins loan is that it is incorporated in the federal direct consolidation loan scheme, which facilitates dealing with the lending process much easier. To repay student loan after graduating is one of the big concerns for bachelor students.

Proper planning and forethought can surely reduce the burden of student loan to a significant extent. Read More...

Private Student Loan


Private Student LoanPrivate loans help students in bridging gap between the amount government permits to borrow from the program and the exact cost of education. Private loans, referred as an alternative education loans, which are provided by private lenders. Borrowers don’t need to complete any Federal form when they apply for private student loan.

Many families opt for private loans for educational purpose when federal loans don’t offer adequate funds or when they require modified terms and conditions or highly flexible repayment options.

Other types of standard loan don’t provide option of repayment until the student finished his study. On the other hand, private loans offer this option, which attract most of the borrowers towards it. Though the private loans are utilized by borrowers to pay Expected Family Contribution (EFC), some lenders provide funds which are excess of the overall cost of attendance. The amount which exceeds the difference between the financial aid and cost of attendance is referred as resource.

Private loans tend to cost lower the credit card debt but they are more expensive than loans provided by Federal government. Private loan comes with variable interest rates that usually cost higher than fixed interest rates charged on Federal loans. The interest rate associated with private loans usually linked with the indices like London Interbank Offered Rate (LIBOR). Lenders generally charge to their most creditworthy borrowers with the interest rate in the form of prime lending rate. The interest rate which has LIBOR as a benchmark index tends to fluctuate slowly as compared to other indices. The fees or charges you pay for student loan are completely based upon your credit score. You will be eligible for private student loan, only if your FICO score is above 650. A rise in mere 25 points in your credit score will adequate to offer you attractive terms and conditions.

Whenever Federal government curtails loan limits or applies stringent guidelines on federal student loans, borrowers seek for other kind of loans and the focus entirely shifts towards private student loans. The volume of private student loans is rising rapidly as compared to federal student loan. If current practice continues for some more time, then the private education loan volume will surpass the volume of federal education loan in upcoming years.Read More...

Student Loan Consolidation


Student Loan ConsolidationConsolidation loans integrate various student loans to form one bigger loan, which can be utilized to compensate the other loan payments. Student loan consolidation program is almost similar to the refinance mortgage process. Consolidation loan is available for different types of basic loans like Stafford loan, Perkins loan, Federal Supplemental Loans for Students (SLS), National Direct Student Loans (NDSL) and Guaranteed Student Loans. Many lenders provide consolidation programs for private student loans as well.

Consolidation loan offers easy repayment option for borrowers of education loan. The program is designed in such way that it will make student loan repayment affordable by offering fixed interest rate option. Consolidation loan help borrowers to take advantage of modified terms and conditions which are more attractive as compared to their previous loans. It helps borrower in extending his loan tenure up to 30 years which assists in reducing monthly installments by as high as 50% in some cases. You can have one time convenient payment option by using consolidation loan rather than making repayments on different dates to various lenders.

The application process for consolidation loan is extremely hassle-free and it doesn’t involve any credit checks or excessive processing charges. If you want to make repayment of your consolidation loan before due date, then you can do so without incurring any penalty. The eligibility of borrower for consolidation loan depends on his debt status which includes all outstanding student or education loans. A student can eligible to consolidate his loan, if he has been graduated or relieving from the school. As there are lots of advantages attached with the Federal student loans, the consolidation process of Federal and private loan must be followed separately. If you have borrowed both kinds of loans then it is advisable to consolidate your Federal education loan first which results in significant cost savings at the end of process.

Your lender manages all the administrative and documentation work associated with your new loan. Lender handles payment tracking system, billing process and sends you review on your current loan status. Some lenders even make tie-up with leading service providers to offer appropriate facilities to their borrowers.Read More...

Walmart Scholarships 2012-2013


Walmart Scholarships
Walmart is world’s largest chain of retail stores which also makes it a famous name in households. The main reason for popularity of Walmart’s stores is that one can find almost everything required in everyday life at their stores. But this is not the only reason why Walmart is in spotlight, another reason is the millions of dollars awarded as scholarships. Sam Walton, late founder of Walmart, believed in the philanthropy and giving back to the community and his legacy has been continued by Walton family to help students pursue their goals. Walmart has helped numerous students explore opportunities and avail good education to lead a better life and has become one of the largest corporate supporters of scholarships.

There are numerous scholarships for employees and their immediate family members, there are scholarships amounting to thousands of dollars for general public too. The highlight of scholarships granted by Walmart is that it does not take into consideration the age, background. Walmart scholarship is offered in distinct categories reaching to a diverse range of people, and can be classified as–

• Sam Walton Community Scholarship - It is given to seniors graduating from high school and it is for general public. It requires that the person is a resident of U.S, has a cumulative average GPA of 2.5 atleast and appeared for SAT or ACT.

• Walmart Dependent Scholarship – It is a college scholarship for Walmart associates and Walmart accepts applications and awards this scholarship four times a year. This is a onetime scholarship granted to graduating seniors from high school with a financial need and cumulative GPA of 2.5 atleast.

• Walton’s Family Foundation Scholarship – It is a four year scholarship, especially for dependents of Walmart’s employees. The criteria for awarding this scholarship are a pre-specified minimum test scores for SAT or ACT.

• Walmart Higher Reach Scholarship Program – It is a scholarship program for reliant of Walmart associates and Sam’s Club and is applicable for pursuing undergraduate as well as graduate courses.

Walmart is awarding scholarships since last 30 years and amount of money awarded in scholarships and funds for education is increasing every year. It started with few scholarships designed by Sam Walton and grew to millions of dollars scholarship, also contributing towards minority scholarships like Hispanic Scholarship Fund. Walmart Scholarship is an excellent educational opportunity and students must research on what they need to do to avail this opportunity.

Read More...

Host-cum-vestibular Awards - ASEE 2012


Home:: Scholarships in India
ASEE 2010 Application Form | ASEE 2010 Master's Program in Microbiology | ASEE 2010 Masters Program in Biotechnology | ASEE 2010 Master's Degree in Pharmaceutical Chemistry | BSC 2010 ASEE Biotechnology Program
Host-cum-vestibular Awards - ASEE 2010

(For professional programs)

Review Unit (ASEE 2010).

Gayatri College of Biomedical Sciences,
GMS Road,
Ballupur Chowk
Dehradun 248,001,
Britain, India,
Phone: 0135-3291585,
Mobile No: 09319066226 / 09368775650 th

Scholarships are available for all courses. For diploma courses in the value of the scholarship is 1 case per hundred thousand and UG courses, SR. 72,000 each. Students who are in management positions are not eligible for scholarships.

ASEE Vestibular 2010

The selection is made through a written examination ASEE. Candidates who meet the eligibility criteria for the written test were invited to take the April 18, 2010.

These courses of beneficiaries and the seats will be notified by e-mail. If the candidates to ensure the same notes at ASEE 2010, the selection will be based on their academic careers.

Written test will be held in Dehradun cities namely Kanpur, Kolkata and Hardoi (UP). Each applicant must indicate their preference for the center of the application.

No TA / DA will be paid to the candidates to take the test under any circumstances. Applicants will be displayed in the qualifying examination can also apply.

The scholarship is available to eligible applicants, and after taking GCBMS Dehradun.

Courses and programs offered by Gayatri College of Biomedical Sciences:

Duration Course fee scholarships available
M.Sc. R. R. Biotechnology 35,000 per week 50,000 per year 2 years
M.Sc. Chemistry rupees. R. 35,000 a week, 50,000 per year 2 years
M.Sc. Microbiology Rs 35,000 / SEM R. 50,000 per year 2 years
B.Sc. Biotechnology (CBZ) RS. 30000 / R year. 24000th / year 3 years

2010 ASEE eligibility

Eligibility Study
M.Sc. Biotechnology
B. Sc Biotech / CBZ or equal to> = 55% mark
M.Sc. Chemistry
B.Sc. CBZ / PCM or equivalent with> tags = 50%
M.Sc. Microbiology
B.Sc. Microbiology / CBZ or equal to> = 50% mark
B.Sc. Biotechnology (CBZ)
10 +2 with PCB, with> = 45% total

ASEE 2010 Important Dates:

Date of notification: 05/01/2010, Friday.

Last date of form ASEE 2010 Submitted by: 27/02/2010, Saturday.

Date of written test (ASEE 2010): 18/04/2010, Sunday.


Income Statement: 26/04/2010 Monday.

Consultation / Registration begins on Monday, 03/05/2010.
Host-cum-vestibular Awards - ASEE 2010

Agent-based modeling of molecular self-assembly.


Agent-based modeling of molecular self-assembly.

We are looking for an enthusiastic candidate for the modeling of molecular self-assembly with innovative techniques. This ambitious research project must work together to develop ideas for the study of complex systems using techniques of classical molecular modeling.

Candidates preferably have an MSc in Chemistry Education, physics and materials science and in computer science, complexity and inter-disciplinary scientific interest (BSc high-level candidates) are considered. Have experience in computer programming and molecular modeling (Monte Carlo or molecular dynamics) is desirable.

Day is the funding for EU applicants only (12,300 per year are available, plus expenses) Estimated departure is 1 2007.more information about the group in January and departmental Web sites:
http://www.warwick.ac.uk/go/troisigroup/
http://www2.warwick.ac.uk/fac/sci/chemistry/

For complaints and requests to:

Dr Alessandro Troisi
Faculty of Chemistry - University of Warwick
CV4 7AL, Coventry (UK)
Tel +44 (0) 24 765 2322 8
E-mail: a.troisi [- at -] warwick.ac.uk

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scholarship definition Master’s Scholarships to Jordanian Universities for the year 2011 (“Third Country” DAAD Scholarships)


Palestinian Graduates (Sciences and Engineering) - who have scored an accumulative average of at least very good (80% and above). They should envisage an academic career at a Palestinian University and be supported in this by their respective universities. Only candidates whose last degree was earned no more than six years ago can apply. All applicants who are already teaching at their respective university are strongly encouraged to apply. After having obtained their Master’s Degree in Jordan, alumni can apply for a Ph.D. TOEFL 61 (500) is required. This program is designed as a faculty-building program.

Requirements:

- Filled out and signed application form "In-Country Scholarships/ Third-Country-Scholarships for Postgraduate Studies" (to be downloaded from the DAAD websitewww.daad.de/westbank_gaza ). If you have problems with the download, please, contact daad@netvision.net.ilfor assistance.
- Curriculum Vitae (C.V. – please, sign it)
- Certified copies in English (not photocopies!) of the Tawjihe-Certificate, of the -- Bachelor’s Degree and of the complete transcript
- Recommendation by the Head of your Department plus additional recommendations (as detailed and specific as possible) by other academic teachers. Only original letters in a sealed envelope are accepted. New recommendation forms!
- Three recent photos
- Choice of one program at one of the Jordanian universities (make sure that your desired specialization is available as a Master’s course – thesis track - at the respective university) with the full and precise name of the program.
- Study Plan (letter of motivation for choosing the particular program - in your own words – please sign it)
- Photocopy of your passport
- TOEFL 61 (500) points or above must be included


All applications must be submitted in triplicate (that means 3 separate packages including all of the required papers in proper order: 1 original set, 2 photocopied sets)All letters of recommendation must be submitted in a sealed envelope – do ask for extra copies from the person writing the recommendation. Do not staple the photocopied documents together and do not staple your photograph to the forms (use glue to attach your photograph in the place indicated on the form, write your name clearly in English on the back of all additional loose photographs). Please, organize your papers according to our above checklist.

Applications that are not organized and not signed (i.e. application form as well as your C.V and your Study Plan, i.e. letter of motivation) cannot be accepted.

Candidates invited for an interview should come to the interview with two additional packages complete with all papers - simple photocopies- plus two additional sealed letters of recommendation. (So please, do keep copies of your application with you and ask for enough letters of recommendation in sealed envelopes.)

Power Point Presentation - DAAD Master's to Jordan Scholarships

Application deadline: August 26, 2010

DAAD cannot consider late or incomplete applications!

All applications should be submitted to one of the following addresses, but must in all cases reach the DAAD IC in East Jerusalem by the respective deadline. Please, write your name, the area/city that you live in and your preferred interview location clearly in English on the envelope/outside of your application package.

à DAAD Information Center in East Jerusalem
Jerusalem, Sheikh Jarrah, Abu Obeida St., Nuzha Building, 3 rd Floor

P.O.B. 20 334, East Jerusalem 91 203

Phone: 02-626 21 06, Fax: 02-626 21 08, e-mail: daad@netvision.net.il

Internet: http://www.daad.de/westbank_gaza

Opening hours: Monday – Friday, 9-13.00h

à Dr. Helga Baumgarten’s Office at Birzeit University - M. A. Program DMHR

Naseeb Shaheen Bldg. (Graduate Studies) room 212/secr. 213 - Tel. 02-298 21 71

SCHOLARSHIPS Australia: Postgraduate Scholarship on International Migration and Social Transformation, University of Sydney

Summary


Professor Stephen Castles, Canada Research Chair in Sociology, is up to four outstanding dissertation of us connected to 2 semesters behavior in 2010, with the research project funded by the CRA "Social Transformation and International Migration in the 21st century. " This project will be reviewed five years of theoretical and methodological research on international migration.

The project: The project's starting point is the assumption that the mobility of people is a normal part of social life. In times of rapid change in international migration tends to grow in volume and shape of a factor more important for the company. Migration is not only the result of changes, nor a cause of change, but an integral part of the process of social transformation. This project is interdisciplinary, exploring the relationships between different socio-spatial designed. global factors, such as different effects in different types of radar because they mediated by local and national historical experiences and cultural models. An interdisciplinary approach, the findings of links between micro-level research in sociology, anthropology and cultural studies at the macro-level over the economy, politics, economics, law and geography. The project has three phases:

1.Theoretical and conceptual work on understanding the relationship between migration and social transformation to improve
2.Fieldwork strongly influenced areas of the social transformation of two and Migration: Mexico and Ghana, most regions of origin of immigrants, primarily South Korea and Australia as a destination region
3.De national and local results of the case study will be used for the review and revision of the conceptual framework
The Project Manager is a professor and researcher of international renown castles in the area of global migration - View Profile: http://www.arts.usyd.edu.au/departs/ssp/staff/profiles/stephen_castles.shtml

Successful applicants will be expected in the theoretical and methodological work of the project and participate in at least one case study. It is also possible for periods as visiting scholars in both countries and fieldwork in research leading to migration at the University of Oxford and elsewhere.


Eligible applicants

Candidates must have the following characteristics:

1.A good credit or a Masters degree in relevant social sciences (sociology, or there may be another appropriate discipline)
2.Strong research and analysis, as shown, through publications, writing samples, or equivalent
3.Strong interest in international migration and familiarity with the literature and debates in this area
4.Good communication skills written and oral and ability to work in teams
5.Knowledge of language, culture and society at least one area of fieldwork

Applicants who qualify for the APA / UPA scholarships in 2010 should be used, apply 2 semesters for these scholarships. APA / UPA application can be found at http://www.usyd.edu.au/ro/training/postgraduate_awards.shtml

Applicants must submit a separate application for admission to a limited degree with the University. For more information, see http://www.usyd.edu.au/future_students/how_to_apply.shtml be found.

Grants:

The grant is equal to the rate of ABS ($ 22,500 per year in 2010) and not more than three years term, subject to satisfactory progress. may be granted in special cases an extension of up to 6 months. Foreign students are invited to show, however, does not apply to fees for international students.

Guide:

Applications should be addressed to Professor Castles and Kate Quinn, Research Support, School of Political and Social Science, RC Mills Building (A26), Room 144, University of Sydney NSW 2006 (telephone: +61 (0) 2 9036 5422 + sydney.edu.au kate.quinn 61 (0) 2 9036 5422 E-mail: @).

Request

Applications must be eligible, a letter opposite to the attributes, an overview of your research interests, copies of transcripts and the names and contact details of two referees. Contact Ms. Quinn with questions about the application process.

Registration deadline: 05 July 2012

Candidates may also be able to directly discuss Prof. castles, their ideas for research, and a face-to-face, phone or Skype will be organized if necessary. Prof. locks can be contacted at the Academy of Political and Social Sciences (telephone: +61 (0) 2 9351 2641 +61 (0) 2 9351 2641 Fax: 02 9036 9380, Email: sydney@stephen.castles. Edu. AU ).

Postdoctoral fellowships in instrumentation and origins of stars


The Laboratory is a key space sciences research unit in Portugal with strong activities in astronomical instrumentation and astrophysics, having a national scope with offices in Lisbon and Porto. Our instrumentation activities include leading the Portuguese participation in the ESA/GAIA satellite and the ESO/GRAVITY experiment. Our astrophysical activities range from star and planet formation to black-hole physics, including models and observations. Projects interfacing astrophysics and Earth climate are also starting.

The infrastructures completely allocated to the Laboratory includes a data processing center with 160 cores and 100TB of disk, an optical instrument control interferometer, vacuum and cryogenic facilities.

We seek postdoctoral fellows to strengthen our activities. The fellows are expected to integrate in the team, with large research liberty, international collaborations being strongly supported. The recruiting priorities are.

Lisbon offices: Astronomical instrumentation and data processing, planets, astrophysical exploitation of GAIA, in the fields of: a) structure and evolution the Milkyway; b) star clusters and c) stellar variability.

Porto offices: E-ELT, high angular resolution techniques (interferometry, adaptive optics); astrophotonics; star and planet formation.


Applications will be received immediately, with closing deadline the 30th of June 2010. Starting dates for contracts range from 1st of October 2010 to 3Q 2011. Contract durations are for 3 years renewable for a second 3 year period.

Application requirements

Applicants should send a curriculum vitae (including list of publications) and a description of research interests (2 pages max). Inquiries as well as the applications should be directed to: Antonio.Amorim@sim.fc.ul.pt, Lisbon offices or Paulo Garcia pgarcia@fe.up.pt Porto Offices.

No. 26486
Position/Title: Postdoctoral fellowships in instrumentation and origins of stars and planets

Institution: Laboratory for Systems, Instrumentation and Modeling in Science and Technology for Space and the Env

How to apply

Submit Resumes To:
Attention: Paulo Garcia, Prof.
Laboratory for Systems, Instrumentation and Modeling in Science and Technology for Space and the Env
Rua Dr. Roberto Frias s/n
Porto, 4200-465
Portugal
Tel: +351963235785

URL1: http://sim.ul.pt/
URL2: http://wiki.sim.ul.pt/
Email Submission Address: pgarcia@fe.up.pt
Email Inquiries: pgarcia@fe.up.pt

The closing date for receipt of applications: 06/30/2010

walmart scholarship AGA Educational Development Fellowship,Australia


The Fellowship is made available jointly by the Australian German Association and the Goethe-Institut, offering young Australians a 12-week stay in Germany. This comprises an 8-week language course at a Goethe-Institute in Germany, as well as a grant of AUD 6 000.00 towards a 4-week study tour in Germany, visiting companies/institutions in the special interest field of the Awardee. The airfare to and from Germany is also included. The scholarship is advertised between February and May each year.
Applicants must have excellent academic tertiary qualifications and the prospect of a promising career in business, law, science, political studies or the arts. They must also have a good knowledge of German and Australian citizenship, and be under the age of 35 on 1 July of the year the application is lodged.
Application deadline: 4th june 2013

Contact:
Eva Schulz
eva.schulz@melbourne.goethe.org
Irene Zeitler
irene.zeitler@freehills.com

For more scholarship and application details:

Isobel Bennett Marine Biology Fellowship,Australia,Fellowship


The Isobel Bennett Marine Biology Fellowship is named in recognition of the late Dr Isobel Bennett who was one of Australia’s eminent marine biologists. The Hermon Slade Raiatea Foundation has provided funding to the Lizard Island Reef Research Foundation (LIRRF) to enable this fellowship.

Benefits
The maximum value of each 2011 fellowship is AU$11,000, payable in April 2011 and to be spent within one year. For successful applicants who are employed at Australian institutions and who can thus provide Australian tax invoices, the payments will be $11,000 plus $1,100 GST.

Conditions of Award
* Fellowship funds are intended to contribute towards the costs involved in conducting field work at Lizard Island Research Station. Salary and equipment (other than consumables) are not covered by the Fellowships.
* Expenditure of Fellowship funds is restricted to:
o Bench fees at Lizard Island Research Station for the fellow and up to two assistants at the current applicable rates. Bench fees must be paid from a different source for any accompanying postgraduate students who are working on their own projects.
o The John and Laurine Proud Fellowship and the Yulgilbar Fellowship allow for economy class travel between the fellow’s home institution andLizard Island, for one trip only.
o The Isobel Bennett Marine Biology Fellowship allows applicants who are based at an Australian institution to claim for travel between that location and Lizard Island via Cairns but overseas applicants may claim only for travel between Cairns and Lizard Island. In both cases, travel for only a single trip may be claimed.
o Additional research expenses incurred at Lizard Island. These may include freight charges for food and equipment between Cairns to Lizard Island, communications, use of a larger boat for work at reefs away from the Lizard Island group, research consumables etc.

More information

PhD Scholarship at University of Sheffield - Department of Mechanical Engineering 2012-2013


Optimisation of the processing of green/recyclable composites for reduced carbon footprint in automotive/sustainable development applications
University of Sheffield - Department of Mechanical Engineering

Applications are invited for a three-years, fully funded PhD studentship, open to candidates in the UK/EU or UK permanent resident only. The studentship will be funded at the normal rate (full home student fees plus a tax-free grant of up to £13,000), with the opportunity of undertaking additional paid undergraduate teaching. For overseas student only the tuition fee could be covered. Overseas candidates need to clearly state in their application that they would be able to cover their maintenance in order for their applications to be considered.

Project

The successful candidate will be working on developing optimum process and compounding of composites of natural fibres with possibility of biodegradation and recycling. The project would involve a multiobjective optimisation as the aims would be to reduce the carbon footprint and also to obtain best quality green composite. The quality of the manufactured composite would be checked for the standards required for the application in automotive and sustainable developments.

Applicants

Applicants should have a first class degree in Mechanical/ Materials/Manufacturing Engineering.

Informal inquiries and further detail about the research project can be obtained from Dr. E.Ghassemieh (E.Ghassemieh@Sheffield.ac.uk)


Interested applicants should initially email their brief CV (Please avoid sending large files/excess documents) indicating their education, work experience and current state with the names of two academic referees to E.Ghassemieh@Sheffield.ac.uk. (Not later than 20th July 10). The candidates shortlisted will be informed in order to fill in the following forms at later stage.

Employer’s profile:
http://www.shef.ac.uk/mecheng/

Phd Scholarship 2012-2013 in Agrobiodiversity, Italy


The PhD Programme in Agrobiodiversity is aimed at the enhancement of human resource capacities in the use and management of genetic variation in agricultural and natural systems, in order to improve the sustainability of agricultural systems and the conservation of genetic resources for the well-being of present and future generations.

The Programme is structured in the following curricula:

Curriculum A – Plant genetic resources: teaching and research activities take place in ENEA Research Center at “La Casaccia”, a few kilometres from Rome;
Curriculum B – Functional biodiversity in agroecosystems : teaching and research activities take place in Pisa, at Sant’Anna School of Advanced Studies.

Admission Requirements

- possession of a Master of Science (M.Sc.) degree or equivalent title in Experimental Sciences, at an Italian or foreign university and ssession of a Degree awarded after, at least, a four-year course in Experimental Sciences;
- to be younger than 35 years (date of birth after 15 July 1975), older than 35 may be exceptionally admitted by the Admission Committee.

Positions and grants

6 positions with 6 fellowships (the net amount is € 12.500, all inclusive):
the first 4 (four) eligible candidates of Curriculum A and the first 2 (two) eligible candidates of Curriculum B will be awarded a scholarship. The School may also admit eligible candidates up to a maximum number of 6 positions.

Deadlines

applications must be submitted on line by July 15, 2010, 12 pm GMT at www.sssup.it/phdapplicationonline
a hardcopy of the application (signed by the candidate), together with the enclosures requested, must reach by July 29, 2010:

Scuola Superiore Sant’Anna
Divisione Formazione Universitaria e alla Ricerca
Piazza Martiri della Libertà 33
56127 PISA, Italy

The envelope must show the indication “Application International Doctoral Programme in Agrobiodiversity”

Application and attachments

Enclosures to the hard copy of the applications:
1. the copy of a valid identity document. Non Schengen area citizens will have to provide a photocopy of their passport
2. copy of their curriculum vitae et studiorum
3. photocopy of the candidate’s university degree or equivalent. University degree and study certificates (except those written in English, French, German, Portuguese or Spanish) must be translated into Italian and legalized by an Italian Embassy or Consulate;
4. the results of the English language proficiency test (TOEFL or IELTS or CPE) or other documents certifying the knowledge of the English language;
5. copy of the proposed doctoral research project, including:
Title;
Rationale;
State of art with relevant literature (max 1 page);
General and specific research objectives (max 2 pages);
Materials and methods (max 2 pages);
Expected results (max 1 page);
Time schedule of activities;

6. The indication of candidate’s major skills (choose maximum three fields, using numbers (1, 2, 3) to indicate the primary, secondary and tertiary fields) among the following:
Agroecolgy
Agronomy/cropping systems
Biotechnology
Breeding
Crop/Plant Ecology
Crop/Plant Physiology
Entomology
Genetics
Genomics and/or Proteomics
Plant Molecular Biology
Plant Pathology
Weed Science
Other (specify)

7. at least two letters of presentation from former supervisors;
8. one passport-size photograph with the name printed on the back;
9. any document and/or publication that the candidate deems worthy of consideration, including any association with research institutions;
10. a numbered list of the documents attached.

Selection of applicants

Assessment of the titles: the submitted documents and publications, including the CV, and the Research Project.

Beginning of the PhD Programme

The PhD Programme will start on January 20, 2013

Information:

agrobiodiversity@sssup.it
tel. +39 050 88.33.36, +39 050 88.33.83

PhD Postdoc position in Molecular Biology Biochem 2012 at Univ of Bern


One Postdoc and one Ph.D. position in over-expression, biochemistry and structure of membrane transport proteins

Description Our vision is to assess the structure, supramolecular organization and dynamics of membrane transport proteins by transmission electron microscopy (TEM), atomic force microscopy (AFM) and X-ray crystallography (XRC). To this end, we clone, over-express, purify and crystallize transport proteins in 2- (2D) and 3-dimensions (3D). 2D crystals are analyzed by TEM/electron crystallography and AFM, while 3D crystals by XRC. Tasks of the successful candidates will involve cloning, over-expression and purification of pro- and eukaryotic membrane transport proteins for functional and structural studies.

Our work is part of the National Centre of Competence in Research (NCCR) TransCure From transport physiology to identification of therapeutic targets. Required qualifications The Postdoc / Ph.D. candidate should have a Ph.D. / Master degree in molecular biology or biochemistry. Experience with the over-expression in bacteria and yeast, and with the biochemistry of membrane proteins is compulsory.

Experience with transmission electron microscopy, atomic force microscopy or X-ray crystallography would be an advantage. Workplace Institute of Biochemistry and Molecular Medicine, University of Bern, Bern, Switzerland Entrance Beginning of January-March 2011 or upon mutual agreement Duration of appointment 3-4 years

Application Cover letter, CV and addresses of two reference persons should be submitted by email to dimitrios.fotiadis@mci.unibe.ch
Contact
Prof. Dr. Dimitrios Fotiadis
Institute of Biochemistry and Molecular Medicine
University of Bern Bühlstrasse 28 CH-3012 Bern,
Switzerland
Email: dimitrios.fotiadis@mci.unibe.ch Useful links fotiadislab.com www.ibmm.unibe.ch www.transcure.org

Supporting Talented PhD Research Walmart Scholarship Students(STARS) Program at Faculty of Science


From the beginning of the academic year 2011/2012, Faculty of Science launches a new PhD support program for talented students from all over the world. Prospective students can apply to PhD research topics selected by the Research Council of the Faculty and announced on the web pages on February 3, 2011. In addition to standard PhD scholarship obtained from the Ministry of Education (in the first year 6,050 CZK per month), applicants selected for the STARS program will be awarded additional 10,000 CZK or more per month

More information

Timetable:

February 3, 2011
PhD research topics and application form will be available

March 7, 2011
Deadline for application

March 8 April 8, 2011
Interviews with candidates organized by research teams and faculty PhD coordinators, more information will be available on this website

October, 2011
Beginning of the PhD Study

Contacts PhD coordinators for the STARS program:

Dr. Vladimír Hampl – biology and environment studies (vlada@natur.cuni.cz)
Dr. Marian Novotný – biology and life sciences (
marian@natur.cuni.cz)
Assoc. Prof. Jan Kotek – chemistry (
modrej@natur.cuni.cz)
Dr. Pavel Chromý – geography (
chromy@natur.cuni.cz)
Dr. David Mašín – geology (
masin@natur.cuni.cz)

Biology and Life Sciences - 13 PhD positions:

  • Analysis of Cancer Cell Invasion Plasticity
  • Diversity and evolution of anaerobic Heterolobosea
  • Comparative evo-devo studies of vertebrate attachment glands
  • Effect of Toxoplasmosis on Reaction Times, Startle Reactions and Prepulse Inhibition of Startle Reaction in Human Subjects
  • Environmental determinants of geographical variation in functional traits of birds
  • Dispersal and anthropogenous invasions of microalgae over time and space. A study based on analyses of siliceous structures of diatomes and chrysomonads in recent and subrecent sediments
  • A study of molecular complexes of the opioid receptors
  • Yeast colony differentiation: Role of apoptotic and proteolytic processes
  • Employing childhood acute lymphoblastic leukemia (ALL) as a model for study of the role of 4E translation initiation factor in hematopoesis
  • Evolution of cuckoo behaviour in bees
  • Affinity purification and the proteomic analysis of the reduced mitochondria from Giardia intestinalis
  • Population variability of sand fly vectors in Ethiopia
  • Regulatory role of tethering complex exocyst in the formation of plant cell wall

Chemistry - 6 PhD positions:

  • New electrode materials for HPLC-ED of genotoxic organic pollutants
  • New generation of contrast agents for magnetic resonance imaging
  • Study of function and molecular architecture of fungal nitrilases applicable in biocatalysis
  • Studies on molecular architecture of fungal glycosidases, highly glycosylated multimeric enzymes important in oligosaccharide syntheses and biotechnologies
  • Conjugated polymer networks for adsorption applications
  • Development of enantioselective allylation catalyzed by Lewis bases and its application in stereoselective synthesis of bioactive compounds

Geography - 6 PhD positions:

  • Migration and development - economic and social impacts of remittences (with special respect to Czechia and Ukraine)
  • Identification of factors limiting retention potential of landscape in extreme hydrological events using methods of mathematical modeling and experimental monitoring
  • Flexibility and localisation of labour in the Czech Republic. an analysis of spatial aspects
  • Urban regeneration in the context of political imperative of smart, sustainable and inclusive development
  • Extraction of Linear Patterns from Airborne Laser Scanning Data
  • Landslide dynamics in relation to landscape evolution in the Holocene

Geology - 3 PhD positions:

  • Horizontal in-situ stress in overconsolidated clay
  • Thermokinetic model and quantitative description of magmatic textures
  • Metamorphism and tectonic position of the Proterozoic Kabul Block: preservation and modification of crustal fragments within an orogenic zone

Environment - 2 PhD positions:

  • Ecosystem engineers and its effect on matter and nutrient flow in ecosystem
  • Freshwater ecosystems as an indicator of global change

Advancing Africa Scholarship Fund at Brown University


The Advancing Africa Scholarship Fund provides that:

  • recipients shall be known as Advancing Africa Scholars;
  • recipients will be asked to sign a pledge to return to full-time residency in Africa for a period of at least two years upon completion of undergraduate studies Brown or, if they have an opportunity to continue their studies, to return upon completion of a graduate degree;
  • during their undergraduate studies at Brown, recipients shall be entitled to two return trips paid through the Fund;
  • upon their return to Africa, recipients will be given an appropriate monthly stipend for two years to ensure a higher standard of living and to ease their transition. If the resident shall cease to be a full-time resident of Africa within the two year period, this stipend will terminate.

Further Information

1) This program is geared towards undergraduate (first year) applicants with demonstrated financial need who are citizens of sub-Saharan African nations; graduate candidates are not eligible.

2) Upon submitting your application for admission to the University, simply designate in your communication with the Admissions Office that you wish to be considered for the Advancing Africa program

3) Apply for financial aid assistance in accordance with all requirements outlined at Brown Financial Aid – no special application is required beyond our regular protocol for financial aid

4) If you are accepted by the Office of Admissions then you will be advised if you have also been selected for the Advancing Africa program. Details on any financial assistance would also be outlined (provided you met all the financial aid deadlines/requirements).

Therefore, your admission and acceptance to the University drives all other steps.

THERE IS NO SEPARATE APPLICATION PROCESS FOR THIS SCHOLARSHIP.

If you have any questions or need clarification regarding the admission process at Brown University, please visit: Brown Admissions or contact them directly at admission_undergraduate@brown.edu.

Here is the link to the public announcement made about this new initiative – HERE

Brown University Office of Financial Aid

  • Box 1827
  • 69 Brown Street
  • J. Walter Wilson Bldg, 2nd Floor
  • Providence, RI 02912
  • (401) 863-2721 (t)
  • (401) 863 7575 (f)
  • http://financialaid.brown.edu

PhD Walmart Scholarship Studentships at Bloomsbury Colleges in UK


Recently a new mechanism of disease has been identified in the congenital (autosomal recessive) muscular dystrophies that are due to a defect in the glycosylation of alpha dystroglycan. These forms of muscular dystrophy are now known collectively as the dystroglycanopathies. To date mutations in six genes encoding either known or putative glycosyltransferases have been associated with this group of diseases. However, the one most frequently associated with mutations in the Caucasian population is fukutin related protein or FKRP (in Denmark the heterozygote frequency is 1:200).

The candidate will have an interest in the pathogenesis of human neuromuscular disease and protein structure. The project will be based at the Royal Veterinary College where training in muscle pathology will be given. Circular dichroism (CD) spectroscopy and Synchrotron Radiation Circular Dichroism (SRCD) will be undertaken under the supervision of Professor Bonnie Wallace at Birkbeck College who has a particular interest in these techniques and how they may be used to facilitate translational research. This project therefore represents a unique opportunity to combine cellular and biophysical approaches to assess the role of FKRP structure in the pathogenesis of muscular dystrophy.

Application Deadline:
14 March 2012

Web Link

http://www.bloomsbury.ac.uk/studentships/studentships_11/missense_mutations_FKRP

PhD Walmart Scholarship Studentship Appraising the Impact of Nigeria’s Local Content Policy


The full-time studentship, which includes an element for teaching will be for 3 years, subject to satisfactory progress. Starting bursary will be £20,000 pa plus student fees.

Over $8 billion is spent annually servicing the Nigeria Oil and Gas industry and this figure is projected to hit $15 billion within the next few years. Despite this, only a very little proportion of the accruable profit is spent in Nigeria since the majority of it is repatriated abroad. The major reason for this situation is the low Local Content in the Nigerian oil industry. To address this anomaly the Federal Government of Nigeria in the early 2000s introduced the oil and gas industry Local Content Policy. The policy was aimed at transforming the industry through the development of in-country capacity and indigenous capabilities in the area of manpower development, facilities and infrastructure towards ensuring that a higher representation of local indigenous companies participate actively in the industry. Over the past few years there have been mixed reports among industry regulators and other stakeholders, as to how successful the Local Content policy has been in meeting its aims and policy objectives. PhD proposals are invited to appraise the efficacy of Nigeria's local content policy to adding value to the national economy, in terms of job creation, the development of local infrastructure, the development of small and medium-sized service companies and the utilisation of local input and human resources. The proposal may also be quite specific in terms of examining, for example, the particular impact of the policy on the residents of the Niger Delta area. Potential for good data access through a network of existing/established contacts by the candidate would be an advantage. Proven analytical skills in the processing of qualitative and/or quantitative data, and experience with associated software packages (e.g., EViews, Stata, Nvivo) for such purposes would also be an advantage.

Contact for informal inquiries and further information about the project: Professor Glauco De Vita, e-mail: gde-vita@brookes.ac.uk, tel: +44 (0)1865 485798; or Dr Sola Adesola, e-mail: sadesola@brookes.ac.uk, tel: +44 (0) 1865-485764.

Applicants should have a good Honours degree and in addition a good Master's degree at merit level and above that includes a thesis component in economics, international business or a closely related discipline. Some experience of data processing, including qualitative data, econometric estimation (e.g., regression analysis), and familiarity with standard data processing packages (such as Stata, EViews or, for qualitative data analysis, Nvivo) would be a considerable advantage. The successful candidate will also require a high degree of computer literacy.

Applicants will produce a research proposal of not more than 2,000 words that outlines and justifies the proposed research question, identifies any additional data requirements and details the proposed work programme.

For details regarding how to apply please download the application form and additional information from http://www.business.brookes.ac.uk/research/degrees/studentships/

Completed applications forms should be sent directly to: Chris Spurgeon, Research and Doctoral Programmes Administrator, Oxford Brookes University, Business School, Wheatley Campus, Wheatley, OX33 1HX or email cspurgeon@brookes.ac.uk

FitzPatrick Family Doctoral Walmart Scholarships in Law, UK


FitzPatrick Family Doctoral Scholarship in Criminology, Criminal Justice , Penology

UCD Institute of Criminology, part of UCD’s School of Law, is pleased to offer one doctoral scholarship in the area of criminology/ criminal justice / penology. Applications are sought from exceptional graduates for a scholarship to undertake on a full-time basis a four year funded PhD programme of research in the fields of criminology, criminal justice, or penology. The scholarship is being generously funded by the FitzPatrick Family Foundation. It is available to candidates commencing their studies in September 2011 and is tenable for a maximum of four years, renewable each year subject to satisfactory progress.
In addition the payment of fees there is an annual stipend of €16,000 per annum (plus a €500 conference attendance allowance) and is open to Irish, EU and International applicants. In the case of non EU applicants any offer is conditional on the applicant demonstrating at the time of accepting the offer that s/he has sufficient funds to supplement the living allowance to cover the cost of living in Dublin. Information for international students contemplating a period of study at UCD is available at:

Scholarship Application Deadline: 22 April 2012

Details Scholarship Information and Application

University of Birmingham Walmart Scholarship 2012-2013


The University Graduate School is pleased to announce that there are ten PhD scholarships elite has for the academic year 2011-2012. Scholarships are for overseas candidates of the highest academic skills needed to provide a place offered to a PhD at Birmingham University from October 2011 study. Applicants from Colleges of Art and Law, life and environmental sciences, medicine, dentistry and social sciences are eligible to be considered for these awards. A successful candidate is generally higher in the cohort of students. Profile of the candidate marked copies (corresponding to the first class not a high mark in Class III or equivalent below). The quality of the facility should be evaluated by World University Rankings. Candidates have already published research in international scientific journals by Master's level research for example. Your references to the qualities of academic achievement or potential for research, to confirm the candidate from their colleagues. You may have won awards within their institution, or even international awards. The price depends on the candidate achieving a first class stamp (or equivalent) in their final test before beginning her doctoral thesis at the University of Birmingham. Potential candidates for a graduate scholarship to the University Graduate School Elite researchers should be named with their school or college.

For further information, guidelines and nomination forms for School, please visit: http://www.graduateschool.bham.ac.uk/elitescholarships.shtml

Doctoral ReSEARCHer Enquiry Service

You can also find out more about PhDs through the Doctoral ReSEARCHer Enquiry Service. The Doctoral ReSEARCHer Enquiry Service provides advice and guidance on:

• PhD opportunities
• Searching for a potential supervisor
• The PhD application process
• Writing the PhD proposal
• Scholarships, bursaries and funding opportunities
• Lifestyle and accommodation (including for families)

Contact:
Email: dr@contacts.bham.ac.uk
Telephone: +44 (0)121 414 5005

Funding information

Funding applies to:
EU applicants (including UK)

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