Northern New York University & College Directory & Resource Center

EDUCATION CENTER DIRECTORY

Online Colleges and Universities.com Free College Degree Info - Research hundreds of colleges throughout the nation. Online College Application .com Research hundreds of colleges throughout the nation. Request info, applications. Online College Class .com Earn an accredited degree 100% online Online College Degree Programs .com Earn your Associates, Bachelors or Masters degree. Get the education and career you are looking for today. Earn College Degree Online Community College Degree Online .com Attend college 100% online and work towards your new career. Cheap Colleges .com Learn the skills you need to compete in today's high-growth fields Online Accredited Colleges .com Find 1600 online degrees & certificates from accredited colleges. Cheap College Loans.com Online Accredited Schools .com

Accredited Colleges Online Search a comprehensive directory of U.S. online college degree programs. Choose a field of study, program or type of degree. Read detailed school profiles and get admissions info. Earn a College Degree Online

Student Loans -

How to apply for a student loan (FAFSA)
How to repay student loans
How to have one low monthly school loan payment
Defaulting on a student loan
Repayment Plans


North Country Colleges-

Clarkson University
Clinton County Community College
Jefferson Community College
North Country College of Essex and Franklin
Paul Smiths College
St. Lawrence University
SUNY Canton
SUNY Plattsburgh
The State University at Potsdam

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Ever thought about going back to school in your spare time to further your career?
Check out our Adirondack Career Directory.

For information on online classes, universities and community colleges
click here

For information on trade or vocational schools click here

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Click here for more information on jobs in the criminal justice field!

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School Directory
Scholarship Directory

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Trade School & Post Graduation Directory

A vocational school provides vocational education and is also referred to as a trade school or career college. The school is operated for the express purpose of giving its students the skills needed to perform a certain job or jobs. Traditionally, vocational schools have not existed to further education in the sense of liberal arts, but rather to teach only job-specific skills, and as such have been better considered to be institutions devoted to training, not education.
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A community college is a type of educational institution. In the United States, a community college, sometimes called a county college, junior college, technical college, or a city college. It is an educational institution providing higher education and lower-level tertiary education, granting certificates, diplomas, and Associates' degrees. The name derives from the fact that community colleges primarily attract and accept students from the local community.
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Many community colleges have arrangements with nearby four-year institutions, where a student obtaining an associate's degree in a field will automatically have his/her classes counted toward the bachelor's degree requirement Another type of study is towards certification in an area of training (such as nursing, computer repair, allied health, law enforcement, firefighting, or welding), which require preparation for a state or national examination, or where certification would allow for hiring preference or a higher salary upon entering the workforce.
Community College Degrees
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TRADE SCHOOL RESOURCE DIRECTORY

Online Trade Schools.com Take online trade classes and get the training and skills you need to start a new career today. Trade School Loans See how easy it is to pay for your education. Request information on available trade school loans in your area. Trade School Scholarships Explore your trade school options. Get information on scholarships available in your desired field. Vocational Training School .com Review programs at Vocational Training schools. Request info today. Therapy Schools .com Become a Therapist. Get training Online or at a location near you. Electrical Trade School .com Become a Licensed Electrician. An Electrical Technology Program prepares you to enter the Electrical Field. Welding Trade School .com Imagine building skyscrapers, buildings, ships, pipelines -- even satellite launch pads. Request Information. Construction Trade School .com Build your future with skills in construction Roofing Trade Schools .com Learn the roofing trade and start your career in construction right! Veterinarian Tech Schools.com Earn your vet tech degree in as little as 16 months

Repaying your student loans

What you need to know about repaying student loans...
After you graduate, leave school, or drop below half-time enrollment, you have a period of time before you have to begin repayment. This “grace period” will be six months for a Federal (FFEL) or Direct Stafford Loan. nine months for Federal Perkins Loans (If you’re a parent reading this and you have a FFEL or Direct PLUS Loan, you don’t have a grace period—repayment generally must begin within 60 days after the loan is fully disbursed.)

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If you’ve attended college or received other education beyond high school, and you received federal student loans from the US Department of Education (ED) along the way - You’re now about to deal with paying them back. You’ll need to know how to manage your student loan debt to avoid repayment problems.
There are several available repayment options so you can successfully repay your debt. Federal student loans are real loans, just like car loans or mortgage loans. You can’t just get out of repaying a student loan if your financial circumstances become difficult, unless you qualify for bankruptcy. But, it’s very difficult to have federal student loans discharged in bankruptcy; this happens only rarely. Also, you can’t cancel your student loans if you didn’t get the education you expected, didn’t get the job you expected, or didn’t complete your education, unless you leave school for a reason that qualifies you for a discharge of your loan - Remember, your student loans belong to you; you have to pay them back.

Student Loan Consolidation Programs Innovative solutions in educational financing & debt management. click here

Loan Consolidation

A Consolidation Loan allows you to combine all the federal student loans you received to finance your college education into a single loan.
New Provisions Permitting Borrowers to Enter Repayment Early Under the Higher Education Act of 1965, as amended and the Department's regulations, a borrower can request a repayment schedule that provides for repayment to commence at a date that is earlier than six months after the date the borrower ceases to carry at least one-half the normal full time academic workload.
If the lender grants the request, the loan enters the repayment period and the borrower waives any applicable grace period. This is the case even if the borrower is currently enrolled in school. Such a borrower will be eligible to obtain a consolidation loan to repay the loan on which early conversion to repayment was granted, assuming all other eligibility criteria are met. As stated above, the borrower waives any applicable grace period, now and in the future.

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To apply for a Direct Loan Consolidation or an FFEL Consolidation the borrower must contact the lender and complete an application. Most lenders provide borrowers with the ability to apply on-line or request an application over the telephone. Once an application is completed and submitted, the lender will request information from the borrower’s other lenders or from its own system to determine the amounts outstanding on the borrowers loans. The borrower will then receive notification about the consolidation loan, normal consumer disclosures, the amount owed, and if appropriate, where to make payments.

Consolidation loans have fixed interest rates that are based on the weighted average of the interest rates on the loans being consolidated. A lender can provide a new consolidation loan borrower with the lowest statutory weighted average interest rate for loans by using the lower of the weighted average of the interest rates on the loans being consolidated as of July 1 or the date the lender received the borrower's consolidation loan application. The lender should apply a consistent method of determining when an application is received.

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Lenders' Options for Determining Federal Consolidation Loan Interest Rates and Permitting Borrowers to Enter Repayment Early
If the lender determines that the borrower is still enrolled, the lender can put the loan that will now be in repayment, into an in-school deferment status at the borrower's request. The interest rate on the loan would be the deferment rate. If the borrower consolidates the Stafford Loan, the deferment interest rate should be used in calculating the weighted average interest rate on the consolidation loan.


Repayment Plans

When repaying your student loan, you have some choices in repayment plans (for FFEL and Direct Loans) that can make repaying easier and help you avoid delinquency or default. If you’re delinquent, it means you’re late making a scheduled loan payment (most often, you’re 30 days or more late). Default, explained in more detail (see default page), generally means you’re 270 days or more late in making a loan payment. (Note that for Federal Perkins Loans, however, default is defined as the failure to make an installment payment when due or the failure to comply with other terms of your promissory note or written repayment agreement.)
Although default is more serious than delinquency, even delinquency can be reported to credit bureaus. A delinquency notation remains part of your financial history and could affect your credit rating. Repaying your loan on time will help you establish and maintain a good credit rating, which is crucial when you want to buy a car or a house, or even if you want to rent an apartment. Sometimes, your credit rating can even affect whether you’ll be selected for a particular job. It’s important to keep paying on your student loans!

Defaulting on your Student Loans

If you default, it means you failed to make payments on your student loan according to the terms of your promissory note, the binding legal document you signed at the time you took out your loan. In other words, you failed to make your loan payments as scheduled. Your school, the financial institution that made or owns your loan, your loan guarantor, and the federal government all can take action to recover the money you owe. Here are some consequences of default:
National credit bureaus can be notified of your default, which will harm your credit rating, making it hard to buy a car or a house.
You would be ineligible for additional federal student aid if you decided to return to school.
Loan payments can be deducted from your paycheck.
State and federal income tax refunds can be withheld and applied toward the amount you owe.
You will have to pay late fees and collection costs on top of what you already owe.
You can be sued.

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How to Apply for a Student Loan
U.S. Department of Education - FAFSA
Gather the documents you need
Start with your Social Security Number, driver's license, income tax return, bank statements and investment records.

Print a FAFSA on the Web Worksheet
Write in your answers and gather your parent's information then transfer the data to FAFSA on the Web.

Plan how to sign your FAFSA
Sign electronically with a U.S. Department of Education Personal Identification Number (PIN) or by mailing in a signature page.

Apply for a PIN now!
Speed up the process by signing your FAFSA electronically with your PIN. Your parent can sign electronically too.

Check your eligibility for federal student aid.

Note important deadlines

To meet the Federal Student Financial Aid deadline:

Apply as early as possible beginning January 1st of each year.
Schools and states have their own deadlines. Contact them for exact deadline dates.

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Clarkson University
8 Clarkson Ave., Potsdam, New York 13699
315-268-6400. 800-527-6577

Clarkson ranks among the finest universities in the nation, according to such diverse measures as U.S. News and World Report, the Association for Independent Technological Universities, and corporate recruiters. Clarkson focuses on providing a rigorous professional experience, real-world experiences for a real-world education, and developing a collaborative community for students, faculty, and staff. website: http://www.clarkson.edu/

St. Lawrence University
23 Romoda Drive · Canton, NY · 13617 · 800-285-1856
In an ideal location, St. Lawrence is a diverse liberal arts learning community of inspiring faculty, serious students, accomplished graduates guided by tradition and focused on the future.It is our expectation that students at St. Lawrence University engage in the process of academic planning over their academic career in order to best achieve their academic goals and reach their full potential. website: http://www.stlawu.edu/

North Country College of Essex and Franklin
23 Santanoni Ave., P.O.Box 89, Saranac Lake, NY 12983-0089 Phone: 518-891-2915
Toll Free: 1-888-879-6222
North Country Community College is committed to providing, within Essex and Franklin counties, an innovative, challenging, supportive environment where the intellectual, career, personal and creative aspirations of all interested individuals can be realized. website: http://www.nccc.edu/

SUNY Canton
34 Cornell Drive · Canton, NY 13617 315.386.7011 1.800.388.7123
The State University of New York at Canton is a public, coeducational, residential college located on a spacious campus along the banks of the Grasse River. Its northern location places SUNY Canton close to the Adirondack Mountains, the St. Lawrence River, and major Canadian cities such as Ottawa and Montreal. website:http://www.canton.edu/

The State University of New York at Potsdam
44 Pierrepont Avenue, Potsdam NY 13676, (315) 267-2000
SUNY Potsdam, located in beautiful northern New York, is a small liberal arts college providing an education that is driven by quality delivered in a way that is uniquely personal. We are one of 64 units of the State University of New York and one of 13 SUNY Arts and Science Colleges. SUNY Potsdam offers bachelor's and master's degrees in several areas of liberal studies, music and teacher education. website:http://www.potsdam.edu/

Jefferson Community College
1220 Coffeen Street, Watertown, NY 13601 (315) 786-2200
Jefferson Community College (JCC) is a participating eArmyU college. JCC is one of the 30 community colleges in the 64-campus system of the State University of New York (SUNY). A two-year public institution supervised by SUNY and sponsored by Jefferson County, the College offers both transfer and career programs leading to the associate degree or certificate. website:http://www.sunyjefferson.edu/

SUNY Plattsburgh
101 Broad Street Plattsburgh, New York 12901.
Phone: (518) 564-2000Plattsburgh State's remarkable campus culture and environment combine with an exceptionally high quality of teaching to produce success for students. The Plattsburgh experience challenges students to discover their potential, to seek new intellectual horizons, and to learn skills that can turn dreams into realities. It's an experience that calls students to explore new ground and reach still greater heights of achievement.website:http://www.plattsburgh.edu/

Clinton Community College
136 Clinton Point Drive Plattsburgh, NY 12901
Clinton Community College, a member unit of the State University of New York, is situated at Bluff Point, approximately 4 miles south of Plattsburgh, on forested heights overlooking Lake Champlain. While the college features the modern equipment and facilities necessary for contemporary educational needs, its distinctive architecture and spectacular natural setting hint at significant times of the past. In fact, the Bluff Point locale has been the scene of some of the most important events in the founding of the American Republic and its tradition. It is fitting that an area so magnificently beautiful and so much a part of the early development of the United States is maintained for public use and enjoyment.website: http://www.clinton.edu/

Paul Smith's College
Route 86 & 30 P.O. Box 265 Paul Smiths, NY 12970-0265 Tel: 518-327-6227 1-800-421-2605
Paul Smith's College is set in the Adirondacks of Northern New York amid awe-inspiring mountains, sparkling lakes and lush forests. The main campus of the 14,200 acre property is on the shores of Lower St. Regis Lake, providing a safe, comfortable and invigorating environment to obtain baccalaureate or associate degrees. Bachelor’s programs include Biology, Business, Culinary Arts and Service Management, Fisheries and Wildlife Sciences, Forestry, Hotel, Resort and Tourism Management, Natural Resources, and Recreation, Adventure Travel and Ecotourism (RATE). Alternatively, careers also start with Associate degrees in programs such as Business, Culinary Arts, Forest Recreation or Forest Technician, Liberal Arts, Hotel and Restaurant Management, Outdoor Recreation, Surveying, or Urban Tree Management. website:http://www.paulsmiths.edu/


Are you tired of your job? Ever thought about going back to school in your spare time to further your career?

Check out our Adirondack Career Directory.

For information on online classes, universities and community colleges
click here

For information on trade or vocational schools click here

For information on a career in film or acting click here

For information on a career in design click here

For information on a career in fashion design click here

Click here for more information on jobs in the criminal justice field!

Click here for more information on jobs in the culinary arts.

Adirondack Trade School Directory & Technical School Directory

ADIRONDACK BEAUTY SCHOOL
108 DIX AVENUE
GLENS FALLS, NY 12801
(518) 745-1646
TRADE

ADIRONDACK DENTAL ASSISTING SCHOOL, INC.
410 ROWLAND STREET
BALLSTON SPA, NY  12020
(518) 363-0888
TRADE

AESTHETIC SCIENCE INSTITUTE (THE)
1202 TROY SCHENECTADY ROAD
LATHAM, NY  12110
(518) 786-0760
TRADE

ALTAMONT PROGRAM, INC. (THE)
347 SOUTH PEARL STREET
ALBANY, NY 12202
(518) 465-8034

BUSINESS

ALTAMONT PROGRAM, INC. (THE)
575 BROADWAY
MENANDS, NY  12204
(518) 465-8034
TRADE

ALTAMONT PROGRAM, INC. (THE)
428 DUANE AVENUE
SCHENECTADY, NY 12304

(518) 377-2448
TRADE

ANDREWS & HOLBROOK TRAINING CORP.
4 BRITISH AMERICAN BOULEVARD
LATHAM, NY 12110
(518) 783-0649
BUSINESS

AUSTIN'S SCHOOL OF SPA TECHNOLOGY
527 CENTRAL AVENUE
ALBANY, NY 12206
(518) 438-7879
TRADE

BARBIZON MODELING OF ALBANY
1991 CENTRAL AVENUE
ALBANY, NY 12205
(518) 456-6713
TRADE

BRANFORD HALL CAREER INSTITUTE
500 NEW KARNER ROAD
ALBANY, NY 12205
(518) 456-4464
BUSINESS & TRADE

ENGLISH CONNECTION
77 RAILROAD PLACE
SARATOGA SPRINGS, NY  12866
(518) 581-1478
ESL

INSURANCE TRAINING INSTITUTE
HOWARD JOHNSON,
1614 CENTRAL AVENUE
ALBANY, NY
(518) 758-6609
TRADE

JOHN PAUL'S HAIR, NAIL, & SKIN CARE INSTITUTE
2144 SARATOGA AVENUE
BALLSTON SPA, NY 12020
(518) 583-3700
TRADE

JOHN PAUL'S HAIR, NAILS, & SKIN CARE INSTITUTE
638 COLUMBIA STREET EXTENSION, SUITE 1
LATHAM NY 12110
(518) 783-0808
TRADE

JORDAN LYNN SCHOOL FOR APPEARANCE ENHANCEMENT (THE)
1801 ALTAMONT AVENUE, SUITE 2
SCHENECTADY, NY 12303
(518) 356-0368
TRADE

MODERN WELDING SCHOOL
1842 STATE STREET
SCHENECTADY, NY 12304
(518) 374-1216
TRADE

NEW HORIZONS, ALBANY-TECH VALLEY
10 AIRLINE DRIVE, SUITE 101
ALBANY, NY  12205
(518) 452-6444
BUSINESS

NEW SCHOOL OF RADIO & TELEVISION (THE)
50 COLVIN AVENUE
ALBANY, NY 12206
(518) 438-7682
TRADE

NORTHEAST BARTENDER'S SCHOOL
1 BARNEY ROAD
CLIFTON PARK, NY 12065
(518) 279-4201
TRADE

ORLO SCHOOL OF HAIR DESIGN (THE)
232 NORTH ALLEN STREET
ALBANY, NY 12206
(518) 459-7832
TRADE

College loans bear biggest part of budget-cutting plan Tuesday, December 20, 2005; Posted: 10:58 a.m. EST (15:58 GMT)

WASHINGTON (AP) -- As Congress moves to slash $40 billion in spending, no program will take a bigger hit than college loans, where almost $13 billion would be cut over five years. For students, the upshot is mixed. Excessive government payments to banks would be halted, freeing up some dollars for new grants, larger loan limits and reduced loan fees. But overall, the student loan program would endure the largest cut in its history, and most of the money would not be pumped back into education. Instead, under a plan the House approved Monday, the money would be counted only toward reducing the federal deficit. "At a time when the entire country believes we need to make higher education more affordable, Congress is trying to balance the budget on the backs of students," said Jasmine Harris, legislative director for the United States Student Association. School Loan Consolidation.com Reduce your monthly payments by up to 58%. There's no credit check or fees. click here Parents who take out loans on behalf of their students would pay higher interest rates. And other parts of the college package could indirectly drive up costs for students, if banks pass on new expenses or offer less attractive loans as their profit margin shrinks. "You don't want to say the news is all bad. It's a decidedly mixed bag," said Terry Hartle, senior vice president of the American Council on Education, the largest coalition of colleges and higher education groups in the nation. "But on balance, one comes to the conclusion that this is a sad step in the history of the student loan program," Hartle said. The $12.7 billion in college cuts are part of an effort, led by conservative Republican lawmakers, to show discipline with the public's money. But Democrats say GOP leaders only want to pay for tax cuts, all the while eroding the ability of parents to pay for college. The timing of Senate action was unclear. Colleges and university associations scrambled Monday, urging the Senate to reject the bill as the Congress tried to end its 2005 work. Within higher education, the single biggest cut appears to be in the profits of lenders. Under current law, banks get to keep the excess money when the amounts that students pay in interest exceed the rate of return that the government has guaranteed. That would end. Lenders would have to refund the difference to the government, meaning billions of dollars. "We were able to reduce spending through changes in the way lenders operate," said Mike Enzi, R-Wyo., the chairman of the Senate education committee. "But at the same time, we shielded the direct impact to students, and actually increased student opportunities." School Loan Consolidation.com Reduce your monthly payments by up to 58%. There's no credit check or fees. click here The interest rate for parent loans would increase to a fixed rate of 8.5 percent in July. It is now a variable rate and had been set to move to a fixed rate of 7.9 percent. Meanwhile, the interest on students loans would also move to a fixed rate of 6.8 percent in July, up from its current variable rate of 4.7 percent. But that change was already set to happen under law, and the deficit-reduction bill does not alter that plan. Student groups tend to support a fixed rate as a protection against unstable, rising interest rates. Loan limits would increase from $2,625 to $3,500 for first-year students, and from $3,500 to $4,500 for second-year students. The total borrowing limit allowed for undergraduates would remain at $23,000. Lawmakers aimed for a compromise of letting students borrow more at the start of college, reflecting current needs, without sanctioning a bigger overall debt. The bill would offer grants to poorer, high-achieving students in the first two years of college and older undergraduates studying math, science or high-demand foreign languages. John Boehner, R-Ohio, the chairman of the House education committee, said the bill "offers significant new benefits to students pursuing a college education." But critics said the size of those benefits doesn't come close to offsetting the cuts. Said Bob Shireman, director of The Institute for College Access and Success: "Overall, there will be less money out there for helping students pay for higher education. And it's not being returned to the system, except in some small ways."

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