Faq Reference Data Information

Student debt accumulates rapidly and eventually, when the main part of the debt becomes due, the repayment installments are too onerous and sometimes absolutely unaffordable. That is why we suggest some measures to reduce if not avoid these results.

It is not possible in most cases not to resort to private institutions when you need financing for coping with college expenses. The government does not provide all the money needed and there are always additional expenses not contemplated in the federal student loan programs. However, it is possible to borrow smartly and to keep to a minimum the amount of money you need to borrow for getting by extra college expenses.

Loans Instead Of Credit Cards

A way to avoid additional debt during college periods is to avoid using credit cards for coping with additional expenses. It is sometimes better to budget what you will need and request a personal loan. That way a higher control over your expenses will assure that debt will not accumulate and you will get used to putting aside the money needed to pay for the loan’s installments every month.

Credit cards and the famous minimum payments can ruin people’s finances due to the lack of discipline. This is a considerable problem especially for college students which are not used to being careful with their spending habits. Minimum payments contribute to debt generation and accumulation due to interests. Personal loans on the other hand, have fixed payments (or with little variations) and fixed amounts. Thus, budgeting with these financial tools is significantly easier than with credit cards.

Shopping For Lenders, Taking Advantage of Offers

From time to time there are wonderful offers from lending institutions that want to obtain customer fidelity offering 0% APR products or subsidized rates. It is a good idea to subscribe to as many newsletters as possible from different financial institutions so you can receive in your mail or email the current promotions. Remember though to examine the offers closely for any hidden fees or costs that some lenders like to conceal on the fine print.

Shopping for lenders is essential. You have to

Perhaps the least understood and least appreciated notion among those who design and deliver education today is the fact that our students have changed radically. A really big discontinuity has taken place – the arrival and rapid dissemination of digital technology in the last decades of the 20th century.

Today’s learners represent the first generations to grow up with this new technology. The numbers are overwhelming: over 10,000 hours playing videogames, over 10,000 hours talking on digital cell phones; over 20,000 hours watching TV (a high percentage fast speed MTV), over 200,000 emails and instant messages sent and received; over 500,000 commercials seen—all before today’s kids leave college. And, maybe, at the very most, 5,000 hours of book reading.

As a result of this ubiquitous environment and the sheer volume of their interaction with it, today’s students think and process information fundamentally differently from their predecessors. “Different kinds of experiences lead to different brain structures, “ says Dr. Bruce D. Berry of Baylor College of Medicine.

Today’s students are Digital Natives. They are “native speakers” of the digital language of computers, video games and the Internet.

So what does that make the rest of us? Those of us who were not born into the digital world but have come to it later in our lives are, compared to them, Digital Immigrants. And as we Digital Immigrants learn – like all immigrants, some better than others – to adapt to their environment, we always retain, to some degree, an “accent,” that is, our foot in the past. The “Digital Immigrant accent” can be seen in such things as turning to the Internet for information second rather than first; in reading the manual for a program rather than assuming that the program itself will teach us to use it; in printing out our emails (or having our secretary print them out for us – an even “thicker” accent); or in never changing the original ring of our cell phone. Those of us who are Digital Immigrants can, and should, laugh at ourselves and our “accent.”

But this is not just a joke. It’s very serious, because the single biggest problem facing education today is that our Digital Immigrant instructors, who speak an outdated language (that of the pre-digital age), are struggling to teach a population that speaks an entirely new language.

Digital Natives are used to receiving information really fast. They like to parallel process and multi-task. They prefer their graphics before their text rather than the opposite. They prefer random access (like hypertext). They function best when networked. They thrive on instant gratification and frequent rewards. They prefer games to “serious” work.

Digital Immigrant instructors typically have very little appreciation for these new skills that the Natives have acquired and perfected though years of interaction and practice. These skills are almost totally foreign to the Immigrants, who themselves learned – and so choose to teach – slowly, step-by-step, one thing at a time, individually, and above all, seriously.

Digital Immigrant teachers typically assume that learners are the same as they have always been, and that the same methods that worked for the teachers when they were students will work for their students now. But that assumption is no longer valid. Today’s learners are different.

The people sitting in their classes grew up on the “twitch speed” of video games and MTV. They are used to the instantaneity of hypertext, downloaded music, phones in their pockets, a library on their laptops, beamed messages and instant messaging. They’ve been networked most or all of their lives. They have little patience for lectures, step-by-step logic, and “tell-test” instruction.

So is it that the Digital Natives can’t pay attention, or that they choose not to? Often from the Natives’ point of view their Digital Immigrant instructors make their education not worth paying attention to compared to everything else they experience – “Every time I go to school I have to power down,” complains one student – and then they blame them for not paying attention! And, more and more, the Digital Natives won’t take it.

So what should happen? Should we force the Digital Native students to learn the old ways, or should their Digital Immigrant educators learn the new? Unfortunately, no matter how much the Immigrants may wish it, it is highly unlikely the Digital Natives will go backwards. In the first place, it may be impossible – their brains may already be different. It also flies in the face of everything we know about cultural migration. Kids born into any new culture learn the new language easily, and forcefully resist using the old. Smart adult immigrants accept that they don’t know about their new world and take advantage of their kids to help them learn and integrate. Not-so-smart (or not-so-flexible) immigrants spend most of their time grousing about how good things were in the “old country.”

So unless we want to just forget about educating Digital Natives until they grow up and do it themselves, Digital Immigrants had better confront this issue. It’s time to stop grousing, and as the Nike motto of the Digital Native generation says, “Just do it!” If you don’t know how, just watch your kids!

About The Author

Marc Prensky is an internationally acclaimed speaker, writer, consultant, and designer in the critical areas of education and learning. He is the author of Digital Game-Based Learning (McGraw-Hill, 2001). Marc is founder and CEO of Games2train, a game-based learning company, and founder of The Digital Multiplier, an organization dedicated to eliminating the digital divide in learning worldwide. He is also the creator of the sites and . Marc holds an MBA from Harvard and a Masters in Teaching from Yale. More of his writings can be found at . More of Marc’s writings on the positive effects of video games can be found at marcprensky.com/writing/default.asp” target=”_new www.marcprensky.com/writing/default.asp.

mailto:marc@games2train.com marc@games2train.com