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    Education Loan: Applying for a Loan? Essential Things That you Must Know First.




    The pursuit of higher education is the apex of a student’s education. Then, add the possibility of studying abroad for higher education, which is an opportunity attainable for many. But aspirations also come with obstacles. In this instance, going overseas and learning, though attractive, is not always achievable. The cost of living, as well as the fees, can discourage students from pursuing their dream of studying abroad. To overcome this, over time, many innovative and new education loans were created to provide students with safety protection. A degree from a top-quality institution could lead you to the top of the list when you think about that. It is equally important to keep in mind that you must check some boxes before deciding on the best type of educational loan.

    When selecting your educational loan, let’s consider some aspects to ensure you get the most from it.

    Picking the Right Lane

    Before you even think about the type of loan you’d like to choose, you must ensure that your topic of interest is secured. A loan to fund higher education is not a small amount of money. It is prudent to take a close look at the length of your studies, your commitment to this, and whether it really interests you over the long haul. Consider if you can consider this to be the ideal direction you’ll take for the duration of the rest of your existence.

    Checking Eligibility

    Several criteria must be met to get an education loan for higher levels in India. First, you have to qualify as an Indian. The second requirement is that you be at least 18 years old age. They also require evidence that you’re dedicated to your studies about your academic background, as well as evidence that you get admission to the institution for which you’re seeking the loan.


    The majority of banks in the public sector can offer as much as 90 percent of your total expenses. With the bank you choose and your level of education, you could obtain reasonable rates on interest. For instance, The Bank of Baroda offered a 6.75 percent/year interest rate on loans. On the other hand, banks such as ICICI or Karnataka Bank can offer interest rates of 10.50 percent to 12.19 percent on annual loans.

    Setting up the Loan in the Long-term

    If you take out an amount of about four lakhs, you could apply for it without putting any collateral, such as cars or houses; however, if the loan amount is between 4 and 7.5 lakhs, the scene shifts. The bank may require you to submit an applicant who will aid in paying off the loan. It could be someone from your family or spouse, friend, etc. The bank must know that when you need to borrow more significant amounts, you have someone who can repay the loan and is employed in a steady position that will allow that. For any amount greater than 7.5 lakhs, there is likely to be a need for collateral. The bank can only offer the loan once the collateral has been inspected and written authorization is issued.

    Interest Rates and Moratorium: A Full Rundown

    Be sure to research every possible option and bank the best interest rate that will fit your budget. Every bank has different interest rates on loans, but they usually will range from 6 and 15. For an undergraduate, you would benefit from choosing one with a long time frame for repayment. In this way, you can aim to get a bigger loan. Make sure you choose one with a reasonable time frame to be able to complete the loan at a reasonable rate while still paying the loan off.

    Government Schemes or Financial Institutions

    Students can choose between getting a loan from a financial institution or directly from government officials. Government of India under a scheme. For instance, the Indian government has launched its Credit Guarantee Fund Scheme (CGFSEL) for loans for education, where students can get loans as high as Rs 7.5 lakh without co-applicants.

    On the other hand, banks must adhere to certain limitations regarding collaterals after a specific amount. But, there are tax-free interest payments on a loan for education under Section 80E in the Income Tax Act. There are a variety of choices that are cost-effective for students. The trick to choosing the best one is to consider all of the above factors before deciding to take out any student loan for education.


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    Keiser University’s president aims to support the Community, grow and expand.




    Melody Rider, president of Keiser University’s Lakeland campus, said she’s hugely excited for 2022 following The Year of Pivot (2021) and the year of Transition (2022). It was a challenging year of Pivot saw faculty and staff working at home, students studying from home, and numerous safety concerns on campus. All of these added lots of stress, according to her. “But in 2021, we did not think about it. We simply did what we needed to do to meet the requirements and challenges with every aspect.”

    And then came then the Year of Transition. “2021 was a completely different year from what we anticipated. It was more challenging than 2020 was,” Rider said.

    She describes 2021 as being the most challenging year in her career. “Nuances were not something I’ve had to deal with before. Covid altered people’s views, how they live everyday lives, and how personal changes have impacted the professional life of those who lived it. The people here for 10+ years ago wanted to retire at home and change their careers.”

    She stated that Keiser’s plan is based on faculty and students staying at the campus and working together until late into the night in the event of a need. “We don’t have a working-from-home model. We had it for an hour and a half the past year. It was necessary; however, we need to be back to the core of our purpose and students. We must return to our roots.”


    This means many opportunities and challenges coincide, Rider said. Faculty and key leaders quit, resulting in more open positions than usual. However, this opened up opportunities to recruit people with new ideas and fresh perspectives. “There were many internal promotions. We sought out and found talented people. I told them we’re looking for you to be 100% committed.

    Looking forward to 2022, we’ve got a solid group committed to the students first.”

    She said it required a lot of training to ensure that all employees, supervisors and faculty were equipped with the tools and resources needed to provide students with the necessary services. “It was a fantastic chance to make changes that might not be working effectively or that we could improve. Continuous improvement is our goal. The changes introduced an entirely new set of eyes.”

    Reuniting everyone on campus was a great success story in 2021. “It was fantastic,” Rider said. “After one day, I laid down and thought”, Oh, they’re coming back. It was a wonderful experience. Very few complaints. The fact that they’re walking the halls and observing the faculty daily gives some energy. It’s a hum.”

    It’s a sound she’d like to listen to this year. “Our future is promising,” she said.


    What’s next?

    Rider’s top wish list is to build a third structure that the school’s founder Arthur Keiser supports – when the college’s Lakeland population grows, Rider said.

    Now, “We knock down walls to move this way, move this. We need to be imaginative in finding the perfect location. We’ll be adding several new programs in the coming year.”

    Its Innovation and Technology Building and the Allied Health/College of nursing Building house various bachelor, associate and graduate degree programs. The programs include nutrition and nursing imaging sciences; technology management; cyber forensics; information security; as well as the management of information technology. Many of the offerings support the growing demand for technology-enabled manufacturing and other high-tech businesses expanding into Polk County.

    She said that adding more programs is essential to serve the Community in many ways. “I want to create more innovative programs to aid the direction I believe we’re headed towards – more technologically driven and database-based fields. We’ve recently started an iCloud program as well as a respiratory program. We aim to satisfy the needs of the Community.”

    Looking ahead

    A rider will build on connections made before and during the pandemic to keep pushing Keiser forward.


    “Going through any tough period, there are plenty of chances,” she said. “We received great help from the Community for our students, and doors were opened. We are our clients’ Community. We’ve created many new relationships through regular graphic and business IT and allied health. That Community has been so stressed because of all this.”

    Being aware that the college is flexible and the Community is supportive, she believes 2022 will only improve.

    However, she must remain determined because she’s still concerned about student outcomes, academic success, and retention. “How do we make it better, assist them more? I’m a die-hard student advocate. Many allied health education programs require licensure; they won’t be employed if they fail to pass. We’re holding boot camp weekend, digging deep to discover ways to assist students in achieving better outcomes.”

    The biggest obstacle is safety, according to the woman who earned the nickname “Capt. Covid” at the beginning of the. The college followed a zero-tolerance policy and didn’t have an outbreak until 2021.

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    When Do Classes Start At Keiser University 2022.




    Following a recent crackdown by the government on the multibillion-dollar industry of career training with stricter restrictions on student aid and terrible publicity about students weighed down by debt and bogus qualifications, some for-profit institutions have stopped operations.

    Some have opted out of the for-profit sector and instead opt for more traditional methods of running a college or university.

    The nonprofit sector, as it is discovered, can be very profitable.

    Take a look at Keiser University in Florida. In 2022 the Keiser family founded the school and, becoming its owner and founder, sold the school to a small nonprofit known as Everglades College, which it was establishing.


    As the president at Everglades, Arthur Keiser earned more than $856,000 more than the equivalent at Harvard, according to the college’s tax return from 2021, which is the most up-to-date publicly accessible. Keiser is getting interested and payments on more than 321 million, which he gave to the tax-exempt organization to buy his college.

    Additionally, he owns an ownership stake in the properties, in which the college pays $14.6 million in rent, an interest in the charter plane college administrators fly into, and the Holiday Inn, where its employees reside, as evidenced by the results. One of the family members also has an ownership stake in the computer company that the college employs.

    Keiser University, which has around 20,000 students on 15 campuses, is among a few for-profit schools which have shifted to a nonprofit model or are looking into that change.

    The change will mean increased restrictions on ventures that generate money and the loss of ownership. However, nonprofit schools- defined as offering an opportunity for the public good- aren’t required to pay tax, can be eligible for specific state grants, and are suitable for more funding via the federal loan program.

    Advocates for consumers and legal experts suggest that certain institutions may shift their focus to avoid increased scrutiny from the government and regulations. Additionally, according to Lloyd Mayer, an associate dean and professor of law at Notre Dame Law School: “There is a possibility that these colleges, which are now nonprofit, could be providing a bogus personal benefit for their previous owners. These kinds of arrangements raise red flags.”


    Dr Keiser, who founded Keiser University in 1977 with his mother, Evelyn, currently aged 91, was adamant about the criticism. “My objective was to leave a lasting legacy for my family,” he said. The transition to a nonprofit “was an easy transition for us” in addition “for our students as well,” he said, which allowed the school to grow into an institution that is a residential college.

    What are the ways designers decorate for the holidays? We invited our friends over to see it.

    The family has been planning to move into the nonprofit sector for a long time. They had begun the process in 1998, when they first purchased a tiny Florida college, then later changed it into the nonprofit Everglades. Keiser now provides 100 degrees and certifications in areas such as the arts of baking, pastry and cooking, as well as nursing and political sciences.

    Concerning any financial conflicts of interest, the official stated: “We disclosed everything. There’s nothing wrong with that.”

    Dr Keiser, the House Republicans appointee to the Education Department panel that oversees accreditation, was previously the chairman of the Association of Private Sector Colleges and Universities governing board that brought a suit in November, challenging federal regulations. These regulations require for-profit institutions and trade schools to demonstrate that their students will eventually earn enough to cover the cost of tuition.


    Over time, the rules result in complaints that the business entices minority and poor students by providing false information regarding the worth of their school’s degrees and their costs and then enslaves students with burdensome credit card debt.

    According to the estimates of administration officials of the Obama administration, approximately 1,400 programs which enrol 840,000 students will fail to comply with the new gainful employment regulations. If they fail, the government could apply sanctions that may ultimately result in a reduction in federal assistance to the student and loans, which are the school’s lifeblood. For-profit schools receive about $30 billion in aid to students funded by taxpayers.

    A few institutions are struggling. The vast business of for-profit Corinthian Colleges, which once received $1.4 billion annually in taxpayer money, was bankrupted following several federal and state inquiries and lawsuits.

    For-profit institutions have fought hard against the new rules, arguing that they will destroy schools that provide students with no other choices for their education. The school’s defenders say that they have higher graduation rates than community colleges and are more adept at adapting to a changing marketplace for jobs.

    The U.S. has launched a second avenue to attack with a minimum of 24 attorneys general looking into whether colleges for profit within their jurisdictions are involved in false advertisements, unlawful recruiting practices, or predatory loans.


    The Florida attorney general Keiser investigated it before its transfer to the family’s nonprofit. In 2021, it agreed to give thousands of students a free education but denied any violations.

    On December 1, Robert Shireman, a notorious public critic of the industry and a former Education Department official, filed an investigation before the Internal Revenue Service accusing Mr Keiser and three board members of violating tax laws and using the nonprofit “for personal profit.”

    In the 2021 tax returns, one of the college’s nine board members is the owner of a company that provides the school’s paper-free filing system. The family of another board member has the business Cutting Edge Recruiting Solutions, which the college uses. Another, who runs a pool maintenance firm in Florida, has received “a net portion of the income from the program for aquatic engineering.”

    A response to an e-mail from Keiser informed that all arrangement’s financials “are with fair market price and conditions” in addition to stating that the institution follows “generally accepted principles of accounting and auditing,” as specified in the I.R.S.

    Keiser University was valued at $521 million, as tax returns reveal. Keiser said Dr Keiser said the valuation was derived through two independent auditors.


    He loaned Everglades $321 million to finance the sale and gave away much of the remainder as a gift to charities that could have slashed thousands in tax savings. The Keiser family held an ownership stake in the property and land.

    Others have used a similar method for financing their colleges utilising a combination of loans and tax-deductible contributions to a closely associated nonprofit. The tax-exempt new entity leases the space to the original owners for multimillion-dollar annual rentals. The management team before and after will often be similar to the original.

    The Education Department has final approval for the transition to nonprofit status. They are also checking the financial obligations of a school as well as its administrative capabilities. There is no way to reject the school.

    “I believe that no one who is even a little familiar with the ways that nonprofits are supposed to be run, and also the for-profit colleges business, could not conclude that the arrangement is designed to benefit insiders and that they are making lots of money from the nonprofit,” said David Halperin who is an attorney in Washington attorney and co-author of “Stealing America’s Future: How for-profit colleges scam taxpayers and ruin students Their Lives.”

    According to Neil Lefkowitz, a Washington lawyer specializing in education businesses, this kind of characterisation unfairly discredits the entire industry. “The idea of for-profit education has been demonized, and many institutions are being hit hard,” he said.


    The year 2022 was the time that Carl B. Barney sold several of the for-profit colleges, which included Stevens-Henager, CollegeAmerica and California College, to a smaller Denver-based nonprofit known as the Center for Excellence in Higher Education According to the court records, which is comprised of a single person who is Mr Barney, its chairman.

    He. Barney lent the nonprofit $431 million to fund the sale and then donated millions more, as the centre’s tax returns and court records reveal. In addition, he collected $5.1 million in school-related rent in 2021. The value of the “intangible assets” like its name and copyrighted trade secret information — was estimated as $419 million.

    Last year, a lawsuit filed by the Justice Department charged that the sale was “at least in part to avoid certain regulations which apply to private schools” and that “the schools are operating much or in part the same way as they were in the past before the merge.”

    In December, the Colorado attorney general filed a lawsuit against the attorney general in December. Barney and the schools for allegedly illegal and misleading practices. “These accusations are false and defame the people we represent,” Mr Barney declared. “We fight back until the very end.”

    He slammed the idea that he could earn money from centres or schools, a nonprofit organization promoting freedom and the free-market concept from Ayn Rand. “You cannot make money from a nonprofit organization,” Mr Barney stated.


    In 2021 Remington College, another Florida-based for-profit institution, was sold to a nonprofit organization, with the owners loaning it $136 million to finance the transaction, according to the tax return for 2022.

    The beginning of January saw Herzing University, based in Wisconsin with campuses across eight states, declare that the university had finished its transition into a tax-exempt nonprofit. Furthermore, Grand Canyon University in Phoenix is attempting to change from a privately traded corporation with a value of over $2 billion to a nonprofit.

    Due to the stigma imposed on for-profit colleges, nonprofit status has become a vital marketing tool.

    “Some are not using this method to avoid rules,” Mr Lefkowitz stated. “They have a difficult time finding students.”

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    What Percentage Of Students Graduate From Keiser University.




    Fees and tuition for Keiser University Fort. Lauderdale, in the year 2022, will be $22,000. The median financial aid received for undergraduate students enrolled in the school is $7,285; 83% of them have received grants or scholarships. Keiser University has a total of twenty-three enrolled students, with 15 students per faculty member (6.67 per cent).

    In ten years, the median salary is $35,100. However, it varies by field of research.

    In the Florida Colleges rankings, Keiser University-Ft. Lauderdale ranked 17th place. It is accredited by the Commission on Colleges of the Southern Association of Colleges and Schools and is certified by Keiser University-Ft. Lauderdale.

    There is information about Keiser University’s 16 campuses under the campus section of the institute. We will review the Keiser University graduation rate, tuition fees, and admissions requirements.


    Price for Attending Keiser University

    The tuition and other fees for Keiser University Fort Lauderdale (Keiser University Ft Lauderdale) for undergraduate students entering 2022 will be $22,000. The education and prices for graduate students are $30,832.

    The median grant amount is $7,285, and 83% of enrolled undergraduate students have been awarded grants or scholarships. The total price for fees, tuition, cost of textbooks and items, as well as living expenses, is $41,419 when having received financial aid. The undergraduate tuition and fees are lower than the typical tuition at similar institutions ($29,379 for higher-end programs in a private, non-profit Master’s College and University). Keiser University-Ft. Lauderdale is one of the top universities. Keiser University, Fort. Lauderdale, fees and tuition for 2022 have increased by over 5 per cent this season (2022). It’s time to learn about how much you’ll pay. Keiser University graduation rate, take a look!

    Keiser School Graduation Rate

    On August 31st, 2021 ended; Keiser University’s graduation rate was 67 per cents, 150% less than the expected timeframe, while the retention rate was 60 cents. In comparison to other colleges, Keiser University’s graduation rate is more than the average (59.94 per cent on average Private (not-for-profit) Master’s College and University) (more extensive programs).

    Keiser College Graduation Rate in an acceptable timeframe

    The study at Keiser University Fort. Lauderdale 801 out of 1,193 students completed their studies at 150% or less of the average duration (i.e. it took 6 years for a four-year BS qualification). For gender, 218 male and 583 female pupils were awarded their diplomas from the school this year and began working. If compared with similar schools, Keiser University’s graduation rate is higher than the typical rate (59.94 per cent) for the average student private (not-for-profit) Master’s College and University) (more extensive programs).

    Candidates who have completed their graduation rates

    • per cent 1 193 801 67.14
    • The Men are 361 and 218. 60.39 Percent
    • 07% of women. 70.07 Percent

    Keiser University Graduation Rates by Race/Ethnicity

    Keiser university’s graduation rate for American Indian or Alaska Native students is 58.33 per cent. Asian Students are 67.74 per cent, Black (Non-Hispanic) students are 59.27 per cent, Hispanic students are 66.07 per cent, White students are 70.71 per cent, Native Hawaiian or Other Pacific Islander students are 75.00 per cent, and Two or More Race students make up 73.91 per cent. The unidentified students are 69.23 per cent.

    Total Male and Female

    • American Indian or Alaska Native 33%(7/12) 66.67%(2/3) 55.56%(5/9)
    • Asian 74%(21/31) 50.00%(7/14) 82.35%(14/17)
    • Black (Non-Hispanic) 27%(147/248) 56.34%(40/71) 60.45%(107/177)
    • Hispanic07%(185/280) 56.25%(54/96) 71.20%(131/184)
    • White71%(379/536) 65.31%(96/147) 72.75%(283/389)
    • Native Hawaiian or Other Pacific Islander 00%(3/4) 75.00%(3/4) 75.00%(3/4)
    • Two or More Races 91%(34/46) 66.67%(8/12) 76.47%(26/34)
    • Unknown 23%(9/13) 60.00%(3/5) 75.00%(6/8)

    Keiser School Graduation Rate by the Time of Completed

    Of the 233 students who earned BS degrees and graduated within 4 years (or the entirety of normal time), Five students completed their studies in five years (or more than 125% of the normal duration). Another 796 students received their degrees in less than six years, which is 150% faster than the typical.

    Total Men and Women

    • 4 years (or less) 19.53%
    • (233/1,193) 21.61%
    • (78/361) 18.63%
    • (155/832)
    • 5 Years42 5 Years 0.42
    • (5/1,193) 0.83%
    • (3/361) 0.24%
    • (2/832)
    • 6 Years14 74%
    • (801/1,193) 60.39%
    • (218/361) 70.07%
    • (583/832

    Keiser university graduation rate of Non-Resident Alien

    A student who is not a United States resident studies in the US with an academic visa, for example, an F visa, but who is not necessarily a US citizen or a holder of a green card. The majority of the non-resident students at Keiser University Fort. Lauderdale finished their studies and graduated with a rate of 69.57 per cent.

    Total Men and Women

    • Non-Resident Alien57%
    • (16/23) 61.54%
    • (8/13) 80.00%
    • (8/10)

    Rates of Retention and Transfer-out

    By dividing the number of students transferred from other institutions at a rate of 150% or less from the average period until completion by their total enrollment, the transfer-out rate is calculated—the transfer-out rate for Keiser University Fort. Lauderdale stands at 0.92 per cent.

    The percentage of students who return to the college they attended to complete their sophomore year is referred to as the retention rate. In the past, the rates of retention at Keiser University Fort. Lauderdale was 43% of part-time students and 60% of full-time undergraduates. If compared with similar institutions, the retention rate of Keiser University-Ft. Lauderdale is less than average (75.63 per cent on average) for private, non-profit Master’s Colleges and Universities) (more extensive programs).


    Keiser University Fort. Lauderdale Financial Aid

    At Keiser University Fort. Lauderdale Keiser University-Ft. In Lauderdale, 14,464 students (83 per cent of the 18.146 undergrad students) were awarded grants from federal, local, or state institutions or other funding sources. The grants awarded have an average of $7,285. Ninety-two per cent of the 1,576 students are first-time, full-time students (freshmen), and the median amount is $9,835.

    All Financial Aid to Undergraduates:

    Of the total 18,146 undergraduates who attend Keiser University Fort. Lauderdale, 14 464 students, 83%, have received financial aid through grants, scholarships and federal student loans. $7,285 is the median amount of assistance offered.

    The Aid Type Received Aid Percentage Aid Received Total Amount Aid Received Amount Average of Aid Received

    • Award or Scholarship 1464 83% $105,367 $7,285
    • Pell Grants 10374 Grants 59% $57,076,638 and $5,309
    • Federal Student Loan 11,261 64% $118,890,688 $10,558

    Financial Aid for First Undergraduate Students (Freshmen)

    At Keiser University Fort. Lauderdale, 3,551 first-year undergraduate students (92 per cent of the total enrollment of 1,576 students in the freshmen class) are receiving financial assistance through grants, scholarships and federal loans for students. $9,835 is the mean amount of aid that was awarded.

    Aid Type Number Received Aid Percentage Receiving Aid the Total Amount of Aid Received Average of Amount of Aid Received

    • Any Financial Aid 3,551 92% – –
    • Awards or Scholarships 3,472 90% $34,146.430 $9,835
    • Federal Grants 3,033 79% $17.884,776 $5,897
    • Pell Grants 2,561 67% $15,975,710 $ 6,238
    • Additional Federal Grants: 2,089% $1,909,066 $914
    • State/Local Grants1 $$,091
    • Institutional Grants, 2,956 77% $16,119 $5,453
    • Student Loan Aid 2 789 72% of $37,859,160 $13,574
    • Federal Student Loans 2,737, 71% of $30,957,433 $11,311
    • Additional Student Loans 734 19.5% $6,901,727 $9.403

    Admission Process and Acceptance Rate

    The rate of acceptance at Keiser University Fort. Lauderdale was 96% when entering the institution in the fall of 2021. 3,958 of the 4,120 applicants were accepted into the school. The admission process to Keiser University Fort is based on the percentage of admission. Lauderdale is simpler (higher than the average for all of the nation). Of the 3,958 accepted students, 2,129 are admitted, which is the yield, also referred to as the enrolment percentage, which is 53.79 per cent.

    Admission test scores aren’t mandatory nor recommended for those applying to Keiser University Fort. Lauderdale. Recommendation letters are evaluated, but they are not required to be submitted.

    Keiser The University of Fort. Lauderdale’s Student Population

    The school is Keiser University, and Ft. Lauderdale, 20,330 students are enrolled, including 18,146 in undergraduate courses and 2,184 in graduate programs. The school is home to students of 14,769 females, with 5,561 males.


    In comparison to similar institutions in the area, this one has a higher number of students (5,797 on average, which is a private, non-profit Master’s College and University (with more extensive programs)).

    FAQs regarding Keiser University Admission Policy

    Here are the answers to some of the most frequently asked concerns regarding Keiser University’s graduation rate and the overall admissions process.

    Is Keiser University a reputable institution?

    Number 219 from 443 National Universities is Keiser University. Schools are evaluated according to how they perform compared to an array of commonly accepted quality indicators.

    What GPA is required for enrollment at Keiser University?

    A high school transcript that is official with an average GPA of 2.8 on a 4.0 scale or a college transcript that has an overall GPA of at least 2.0.

    Keiser University is a Yellow Ribbon institution.

    It is Keiser University is currently participating actively in The Yellow Ribbon Program.


    Is Keiser University enacted the Keiser University Dress Code?

    Collars and ties are mandatory for males. Jeans, tennis footwear, flip-flops, shorts and tops with halters are not allowed. Short skirts and tops that show the stomach or waist are not permitted on school premises.

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