College

Why College is Now a Complete Scam

Why College is Now a Complete Scam

Why College is Now a Complete Scam

In this short book, I talk about how college has become a complete scam with a mix of seriousness and humor. I will talk about how millions of 18-year-olds are getting screwed over once they go off to college without even realizing it. The cost for higher education has become insane and there are so many things that colleges get away with. So grab this book, sit back and enjoy!

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Consolidation and Privatization of College Textbook Publishers Affect Their Freelance Writers

Many companies publish books for use in college classes. However, as a freelance supplements writer, you are interested primarily in the large commercial companies that publish textbooks for lower-division college courses, the ones taught to freshmen and sophomores. The size of these markets supports creating a large number of supplements for students and instructors. (There is also some work creating supplements for popular upper-division textbooks.)
 
The main trend in the college textbook publishing industry in recent years has been consolidation. Basically, the larger companies have been acquiring the smaller companies. Often they keep the acquired imprints intact, although sometimes they absorb the textbooks of the acquired firm into their existing imprints. Most of the major publishers, including Cengage Learning, McGraw-Hill and Pearson Higher Education, have been doing this.
 
Another potential trend is privatization: The textbook publishing arm of a public traded company can be sold to a group of investors who then run the company privately. A prime example is the creation of Cengage in 2007; it bought the college textbook assets of Thomson Corporation, including Brooks-Cole and Wadsworth, among others.

 
As a textbook supplements writer, you need to pay attention to changes in ownership. Such changes can create new work opportunities, or potentially create problems with existing work relationships.

Major shifts in companies can mean editors get reassigned to different disciplines or leave the company altogether, requiring you to market yourself to new people. Of course, you also have the opportunity to make new connections and also keep your old ones. This is a key reason why you need to maintain good relationships with editors: They can hire you when they move to new positions, and they can recommend you to their replacements.

Here’s a list of the eight major college textbook publishers:

 
Bedford, Freeman, and Worth

Cengage (formerly Thomson Learning, privately owned)

Jones and Bartlett Publishers

McGraw-Hill Higher Education

Oxford University Press

Pearson Publishing

John Wiley and Sons

W. W. Norton Company

Find more valuable tips on earning a good living writing for college textbook publishers on John Soares’ Writing College Textbook Supplements blog (http://www.WritingCollegeTextbookSupplements.com/blog).

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Compare College Loans

When you’re getting ready to go to college you’re going to have to look into a list of things and your financial aid package is one of the biggest items on that list. Did you get scholarships, work-study, grants or loans? If you got loans, how much do you need to borrow and can you borrow it all from one lender?

Federal Loans

The best of all loans are Federal loans so if your school offers you federal loans, don’t hesitate to accept them if you need them. There are two kinds of Federal loans:

Subsidized Federal Loans: These are only available to students who demonstrate financial need.

Subsidized Stafford Loans – do not start accruing interest, and payments do not start, until a student graduates, leaves college, or becomes less than a half-time student. Interest rates will be low.

Federal Perkins Loans – are, without a doubt, the best loans available to students. They are only available to students who demonstrate the greatest financial need. The interest rate on these loans is 5%. Like Subsidized Stafford Loans, Federal Perkins Loans don’t begin accruing interest, and payments don’t start, until a student graduates, leaves college, or becomes less than a half-time student. These loans don’t need to be paid off until ten years after a student graduates. If a student becomes a teacher, and teaches in certain low income districts, part of his or her Federal Perkins Loan may be eligible for cancellation. This also applies to students who go into the Peace Corp.

2. Unsubsidized Federal Loans: Are not based on student need.

Unsubsidized Stafford Loans are available to any student who has never been convicted of a drug felony. These are not as good as subsidized Stafford Loans as the interest rates will be somewhat higher and interest begins accruing as soon as college starts.

Parent Plus Loans are for the parents of college students. Parents must have good credit and proof that they have income.

If a student still needs loans after accepting Federal Loans there are:

Private Loans

Private Student Loans are available through banks and other lending institutions like credit unions.

When looking into private loans, students should consider both the fees charged and the interest rate, not just the interest rate. Some banks have hidden fees that they roll into the interest rate. Other banks may charge higher interest rates and low fees. While it’s really tempting to take the loan with the lower interest rate, beware of those fees! Look for no, or low fees, and low interest rates. Shop around! Undoubtedly, your college’s financial aid office will have information for you about all of the loans that are possible and which will fit you budget the best!

 

For more information about compare college loans please visit: http://tuitionchart.com/

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