FULL DESCRIPTION
21st Century Holding Company is an insurance holding company, which, through its subsidiaries and its contractual relationships with its independent agents and general agents, controls all aspects of the insurance underwriting, distribution and claims processes. The Company is authorized to underwrite homeowners’ multi-peril, commercial general liability, personal and commercial automobile, fire, allied lines, surety, commercial multi-peril and inland marine in various states on behalf of its wholly owned subsidiaries, Federated National Insurance Company (Federated National) and American Vehicle Insurance Company (American Vehicle) and other insurance carriers. It markets and distributes its own and third-party insurers’ products and its other services through contractual relationships with a network of approximately 4,200 independent agents, of which approximately 300 actively sell and service its products. The Company also utilizes a select number of general agents for the same purpose.
The Company is authorized to underwrite homeowners’ multi-peril, commercial general liability, personal and commercial automobile, fire, allied lines, surety, commercial multi-peril and inland marine in various states on behalf of its wholly owned subsidiaries, Federated National and American Vehicle. Through contractual relationships with a network of approximately 4,200 independent agents, of which approximately 300 actively sell and service its products, Federated National is authorized to underwrite homeowners’ multi-peril, fire, allied lines and personal automobile insurance in Florida. American Vehicle is licensed as an admitted carrier in Florida, and underwrites commercial general liability, and personal and commercial automobile insurance. American Vehicle is also licensed as an admitted carrier in Alabama, Louisiana and Texas, and underwrites commercial general liability insurance in those states. American Vehicle operates as a non-admitted carrier in Arkansas, California, Georgia, Kentucky, Maryland, Missouri, Nevada, Oklahoma, South Carolina, Tennessee, and Virginia, and can underwrite commercial general liability insurance in all of these states.
Federated National underwrites homeowners’ insurance primarily in the South, West and Central Florida regions. Homeowners’ insurance generally protects an owner of real and personal property against covered causes of loss to that property. Its homeowner insurance products typically provide maximum dwelling coverage in the amount of approximately $0.8 million, with the aggregate maximum policy limit being approximately $1.5 million. During the year ended December 31, 2009, the Florida OIR granted Federated National the authority to write commercial residential property insurance under the fire line of business. This class of business affords property coverage primarily to associations with property commonly owned by the tenants of the association.
The Company underwrites commercial general liability insurance for approximately 250 classes of artisan (excluding home-builders and developers) and mercantile trades (such as owners, landlords and tenants). The limits of liability range from $100,000 per occurrence with a $200,000 policy aggregate to $1.0 million per occurrence with a $2.0 million policy aggregate. Personal automobile insurance markets can be divided into two categories, standard automobile and nonstandard automobile. Standard personal automobile insurance is principally provided to insureds who present an average risk profile in terms of driving record, vehicle type and other factors. Nonstandard personal automobile insurance is principally provided to insureds that are unable to obtain standard insurance coverage because of their driving record, age, vehicle type or other factors, including market conditions. Federated National writes flood insurance through the National Flood Insurance Program (NFIP).
Assurance MGA, a wholly owned subsidiary of the Company, acts as Federated National’s and American Vehicle’s managing general agent in Florida and is also licensed as a managing general agent in the states of Alabama, Arkansas, Georgia, Illinois, Louisiana, Mississippi, Missouri, New York, Nevada, South Carolina, Texas and Virginia. Superior processes claims made by insureds from Federated National and American Vehicle. Federated Premium provides premium financing to Federated National's, American Vehicle’s and third-party’s insureds.
The Company competes with Allstate Insurance Company, First Floridian Insurance Company, Universal Insurance Company of North America, Universal Property and Casualty Insurance Company, United Property and Casualty, Royal Palm Insurance Company, Edison Insurance Company, Olympus Insurance Company, St. Johns Insurance Company, Cypress Property and Casualty Insurance Company, Tower Hill Insurance Company, Florida Family Insurance Company, Homeowners Choice Property and Casualty Insurance Company, American Strategic Insurance Company, Century Surety Insurance Company, Atlantic Casualty Insurance Company, Colony Insurance Company, U.S. Security Insurance Company, United Automobile Insurance Company, Direct General Insurance Company, Ocean Harbor Insurance Company, Security National Insurance Company, Progressive Casualty Insurance Company and GEICO.
Source:reuters
devry university financial aid number
DeVry University Financial Aid department at 877-496-9050 are the most incompetent individuals I have ever conducted business with.
I warn anyone that decides to attend DeVry University to be aware of the ignorant financial aid representative, escalation desk, and managers.
I’ve had to call DeVry 2-3 times per week for the last 4 months and prior to that I’ve encounter major financial aid issues.
What’s most disturbing about my issues is that they are very simple errors that result in major problems.
For instance, I enrolled into my classes as an undergraduate, but because I went and talk to someone about Keller graduate school, DeVry processed my financial aid as it I was a graduate, and I had not received my undergrad yet.
So FAFSA, was providing me with a larger amount of financial aid, and when I called for several weeks to DeVry they quoted me this amount never realizing that I am taking undergrad classes but I am packaged as a grad student.
Now still at this point I believe what the “professionally trained financial aid advisor” are telling me, but I began to wonder why had I not received any award letters yet?
So I begin calling DeVry for clarification, and they kept telling me that my loans are fine; I’m just waiting for disbursement.
They finally put a ticket in and realize that OPPS you’re an undergrad. Again I wait weeks to be repackaged, and during that time I have graduated.
Now I still have a balance on the account, and my loans are in limbo. I keep calling 2-3 times per week, and finally someone in escalation tells me you have to sign a master promissory note.
I then ask why and their answer was that due to the banks merging and the current economic times my grantor is no longer yielding my loans.
I ask why did I not receive any letters from DeVry or my grantor and they try to blame me for not knowing, after I’ve been calling them 2-3 times per week since I began school.
I then called my grantor and they advised me that they had sold some loans but the still had mine, and all DeVry had to do was send my information to them like normal.
So, I call DeVry again and tell them that I want my same grantor because they have money waiting and only needs the school to request it.
Well DeVry says that since I have graduated already the only option I have is to sign with another grantor, or pay for the classes out of pocket!!!! ( also, someone finally tells me that DeVry and my old grantor “have business relationship problems”) hint, hint. So DeVry picks my new grantor.
I sign the new master promissory note with DeVry’s chosen grantor because I am at my wits end. Next I had to contact my lender to see why it was taking so long for DeVry to receive the funds, and they tell me that they have released the funds to DeVry and
I need to contact DeVry, but of course DeVry is telling me that the lender has my loans on hold.
Eventually DeVry says “yes we have your loans and they are waiting to be disbursed”. Now weeks go by and DeVry feeds me that line that they have X amount of time to disburse the loans.
Finally the loans are disbursed and I have a credit on my account, and again they say we have up to 14 business days to send you the credit.
Throughout those 14 days I call as I said before 2-3 times per week because every time I call I get a totally different answer.
Then on the 10th business day I call and ask what happens if I don’t receive the funds on the 14th business day and the guy tells me we will put in a ticket.
I ask if he could go on and put one in now and he says no we have to wait. Then low-and-behold, the 14th business day I call and they say we will put in a ticket.
I call the next day to ensure that the ticket is in, and the girl tells me “I don’t know why ALL those people told you 14 business days you have graduated and it could take up to 30 days.”
So I keep calling day after day, and low and behold some guy now tells me that they have to mail a letter to me so that I can call a number on the letter to to approve the funds, for which they have already paid my balance with and allow them to send me my refund.
I ask him can you now give me the number and he says that no one in the office knows the number, I asked where and who generates the letter, and he can’t tell me.
Oh and did I mention that each time they put in a ticket to this mystery department or I call and they tell me I am waiting for X to happen it all leads back to this mysterious department that DeVry says doesn’t have phones and the only thing the financial aid reps and managers can do is EMAIL them. (I am beginning to think DeVry has some people in another country locked up in a room somewhere paying them $1.00 an hour to manage their financial aid)
Some other signs of terrible Management and decision making is that DeVry has several different databases, which cost millions of dollars, that obviously don’t communicate with one another because one system still shows I have a balance, when the other shows I have a credit.
I’ll update you on what happens next!
And if someone from DeVry reads this please do not reply, for that only shows everyone that instead of working on your institutions real problems and spending our tuition money on providing better training to your staff and service to your students, you’d rather employ bloggers, or have your staff waste time blogging trying to keep your schools reputation instead of having them dedicate time to improving your processes!
So help me God this all is true nothing added, and really who can make this up?
I also most forgot because of all the issues I decided not to go to DeVry and am now completing my MBA at a real college university!!!!!
But here something else DeVry is doing.
Like I said this whole thing started when I went to talk to someone about Keller, well they also added Keller to my FAFSA as a school code.
I went in and made the correction to my new Graduate School, then a few weeks later I checked my FAFSA to make sure my new school information had processed and guess what, Keller had taken my new college off and put Keller back on. I called FAFSA and they said not to worry that they had processed my FAFSA for the new college, I called the new college and they have my information.
But, what the heck is Keller doing? Why and how can they keep changing my school code when I delete them!!!!!
Source:Devry
I warn anyone that decides to attend DeVry University to be aware of the ignorant financial aid representative, escalation desk, and managers.
I’ve had to call DeVry 2-3 times per week for the last 4 months and prior to that I’ve encounter major financial aid issues.
What’s most disturbing about my issues is that they are very simple errors that result in major problems.
For instance, I enrolled into my classes as an undergraduate, but because I went and talk to someone about Keller graduate school, DeVry processed my financial aid as it I was a graduate, and I had not received my undergrad yet.
So FAFSA, was providing me with a larger amount of financial aid, and when I called for several weeks to DeVry they quoted me this amount never realizing that I am taking undergrad classes but I am packaged as a grad student.
Now still at this point I believe what the “professionally trained financial aid advisor” are telling me, but I began to wonder why had I not received any award letters yet?
So I begin calling DeVry for clarification, and they kept telling me that my loans are fine; I’m just waiting for disbursement.
They finally put a ticket in and realize that OPPS you’re an undergrad. Again I wait weeks to be repackaged, and during that time I have graduated.
Now I still have a balance on the account, and my loans are in limbo. I keep calling 2-3 times per week, and finally someone in escalation tells me you have to sign a master promissory note.
I then ask why and their answer was that due to the banks merging and the current economic times my grantor is no longer yielding my loans.
I ask why did I not receive any letters from DeVry or my grantor and they try to blame me for not knowing, after I’ve been calling them 2-3 times per week since I began school.
I then called my grantor and they advised me that they had sold some loans but the still had mine, and all DeVry had to do was send my information to them like normal.
So, I call DeVry again and tell them that I want my same grantor because they have money waiting and only needs the school to request it.
Well DeVry says that since I have graduated already the only option I have is to sign with another grantor, or pay for the classes out of pocket!!!! ( also, someone finally tells me that DeVry and my old grantor “have business relationship problems”) hint, hint. So DeVry picks my new grantor.
I sign the new master promissory note with DeVry’s chosen grantor because I am at my wits end. Next I had to contact my lender to see why it was taking so long for DeVry to receive the funds, and they tell me that they have released the funds to DeVry and
I need to contact DeVry, but of course DeVry is telling me that the lender has my loans on hold.
Eventually DeVry says “yes we have your loans and they are waiting to be disbursed”. Now weeks go by and DeVry feeds me that line that they have X amount of time to disburse the loans.
Finally the loans are disbursed and I have a credit on my account, and again they say we have up to 14 business days to send you the credit.
Throughout those 14 days I call as I said before 2-3 times per week because every time I call I get a totally different answer.
Then on the 10th business day I call and ask what happens if I don’t receive the funds on the 14th business day and the guy tells me we will put in a ticket.
I ask if he could go on and put one in now and he says no we have to wait. Then low-and-behold, the 14th business day I call and they say we will put in a ticket.
I call the next day to ensure that the ticket is in, and the girl tells me “I don’t know why ALL those people told you 14 business days you have graduated and it could take up to 30 days.”
So I keep calling day after day, and low and behold some guy now tells me that they have to mail a letter to me so that I can call a number on the letter to to approve the funds, for which they have already paid my balance with and allow them to send me my refund.
I ask him can you now give me the number and he says that no one in the office knows the number, I asked where and who generates the letter, and he can’t tell me.
Oh and did I mention that each time they put in a ticket to this mystery department or I call and they tell me I am waiting for X to happen it all leads back to this mysterious department that DeVry says doesn’t have phones and the only thing the financial aid reps and managers can do is EMAIL them. (I am beginning to think DeVry has some people in another country locked up in a room somewhere paying them $1.00 an hour to manage their financial aid)
Some other signs of terrible Management and decision making is that DeVry has several different databases, which cost millions of dollars, that obviously don’t communicate with one another because one system still shows I have a balance, when the other shows I have a credit.
I’ll update you on what happens next!
And if someone from DeVry reads this please do not reply, for that only shows everyone that instead of working on your institutions real problems and spending our tuition money on providing better training to your staff and service to your students, you’d rather employ bloggers, or have your staff waste time blogging trying to keep your schools reputation instead of having them dedicate time to improving your processes!
So help me God this all is true nothing added, and really who can make this up?
I also most forgot because of all the issues I decided not to go to DeVry and am now completing my MBA at a real college university!!!!!
But here something else DeVry is doing.
Like I said this whole thing started when I went to talk to someone about Keller, well they also added Keller to my FAFSA as a school code.
I went in and made the correction to my new Graduate School, then a few weeks later I checked my FAFSA to make sure my new school information had processed and guess what, Keller had taken my new college off and put Keller back on. I called FAFSA and they said not to worry that they had processed my FAFSA for the new college, I called the new college and they have my information.
But, what the heck is Keller doing? Why and how can they keep changing my school code when I delete them!!!!!
Source:Devry
financial aid news for 2011
Until Steve Caruso receives his financial aid award from Syracuse University in late March, he doesn't know what to expect.
He's always wanted to get into the S.I. Newhouse School of Public Communications, but he has already been accepted to the University of Connecticut, where the public university tuition is reasonable.
"I really wanted to get into Newhouse, but I'm not sure if that's going to happen," said Caruso, a senior at Lewis S. Mills High School in Burlington, Conn. "I think that if there's a lot of money for financial aid at SU, it would probably help my decision."
Caruso is new to the financial aid process and is unsure how much aid the university will give him based off his family's upper-middle-class standing. Caruso filed the Free Application for Federal Student Aid forms and the College Scholarship Service Profile required at SU to apply for financial aid by Feb. 1, the deadline for first-year and transfer students to file the forms.
More than 10,000 prospective students will play the waiting game until the end of March, when they will be notified of their financial aid awards.
But it could be worth the wait — the university will provide more undergraduate financial aid for the 2011-12 school year than it did for the current school year, said Gwenn Judge, director of the Office of Budget and Planning, in an e-mail.
The increase in financial aid is mainly because more students will be entering in fall 2011 than leaving this spring, Judge said. The university will have more revenue from undergraduate tuition with this increase in students, she said.
Judge said there is no estimate of the amount of 2011-12 undergraduate financial aid available yet. SU reported $172.9 million in undergraduate financial aid for the 2010-11 school year, according to the Fiscal Year 2011 Budget. The budget is based on a university fiscal year, from July 1 to June 30.
SU plans to admit 12,500 students and eventually enroll 3,350 freshmen for fall 2011, said Don Saleh, vice president for enrollment management.
Although the dollar amount of financial aid will increase, the percent of the university's budget dedicated to financial aid is expected to stay about the same, Saleh said.
The university reported $461.9 million in revenue from undergraduate tuition for the current school year, according to the 2011 budget. The approximately $173 million provided by the university in financial aid is more than 37 percent of the tuition amount it took in.
Over the past five fiscal years, including this year, the university has increased the amount of financial aid given to undergraduate students. SU reported more revenue from undergraduate tuition every year since the 2006-07 budget was released.
The trend will continue this year.
"As in the past few years, the university's financial aid budget will increase to the amount necessary to meet the financial needs of our students," said Youlonda Copeland-Morgan, associate vice president for enrollment management and director of scholarships and student aid, in an e-mail.
SU has received about 12,000 FAFSA forms and approximately 10,000 CSS Profile forms as of Tuesday, said Kaye DeVesty, director of the Office of Financial Aid and Scholarship Programs. SU requires both forms, so the roughly 10,000 prospective students who filed the CSS Profile also filed the FAFSA, she said.
For the 2011-12 school year, SU is participating solely in the William D. Ford Federal Direct Loan program, offered to universities by the U.S. Department of Education, DeVesty said.
The program offers low interest rates, generous repayment benefits and reasonable borrowing limits, she said. Private education loans have higher interest rates than the direct program, DeVesty said.
And more good news may be on the way for students, she said.
On Monday, President Barack Obama proposed a 2012 Department of Education budget that would retain the maximum Pell grant — which provides federal aid to low-income undergraduates — at $5,550 per student, according to an article published in The New York Times on Tuesday.
Other aspects are taken into consideration during the financial aid process, including how many siblings students have in college, DeVesty said. If students decide not to fill out the FAFSA, SU can't determine what to offer them in financial aid, she said.
Returning students for fall 2011 can expect similar financial aid amounts to what they received this year, provided the information on their FAFSA and CSS Profile stays nearly the same, DeVesty said. Returning students are required to file the two forms by April 15 and will receive their financial aid notifications in June.
DeVesty said her office tells students that filing the forms is a requirement, and she sends her staff into the Syracuse community to help students fill out the forms. It's a struggle to get students to complete the forms because the first time filling them out can be a daunting experience, she said.
Jared Kissler, a senior at Pascack Valley High School in Hillsdale, N.J., said he didn't apply for financial aid because his father is funding his college education.
Kissler, who applied to SU early decision and was accepted into the College of Visual and Performing Arts, said he doesn't know if his family income would've gotten him any financial aid even if he had applied. But that doesn't mean he wouldn't have liked to receive any.
"I guess it would help," he said. "Obviously, any money helps."
source:dailyorange
He's always wanted to get into the S.I. Newhouse School of Public Communications, but he has already been accepted to the University of Connecticut, where the public university tuition is reasonable.
"I really wanted to get into Newhouse, but I'm not sure if that's going to happen," said Caruso, a senior at Lewis S. Mills High School in Burlington, Conn. "I think that if there's a lot of money for financial aid at SU, it would probably help my decision."
Caruso is new to the financial aid process and is unsure how much aid the university will give him based off his family's upper-middle-class standing. Caruso filed the Free Application for Federal Student Aid forms and the College Scholarship Service Profile required at SU to apply for financial aid by Feb. 1, the deadline for first-year and transfer students to file the forms.
More than 10,000 prospective students will play the waiting game until the end of March, when they will be notified of their financial aid awards.
But it could be worth the wait — the university will provide more undergraduate financial aid for the 2011-12 school year than it did for the current school year, said Gwenn Judge, director of the Office of Budget and Planning, in an e-mail.
The increase in financial aid is mainly because more students will be entering in fall 2011 than leaving this spring, Judge said. The university will have more revenue from undergraduate tuition with this increase in students, she said.
Judge said there is no estimate of the amount of 2011-12 undergraduate financial aid available yet. SU reported $172.9 million in undergraduate financial aid for the 2010-11 school year, according to the Fiscal Year 2011 Budget. The budget is based on a university fiscal year, from July 1 to June 30.
SU plans to admit 12,500 students and eventually enroll 3,350 freshmen for fall 2011, said Don Saleh, vice president for enrollment management.
Although the dollar amount of financial aid will increase, the percent of the university's budget dedicated to financial aid is expected to stay about the same, Saleh said.
The university reported $461.9 million in revenue from undergraduate tuition for the current school year, according to the 2011 budget. The approximately $173 million provided by the university in financial aid is more than 37 percent of the tuition amount it took in.
Over the past five fiscal years, including this year, the university has increased the amount of financial aid given to undergraduate students. SU reported more revenue from undergraduate tuition every year since the 2006-07 budget was released.
The trend will continue this year.
"As in the past few years, the university's financial aid budget will increase to the amount necessary to meet the financial needs of our students," said Youlonda Copeland-Morgan, associate vice president for enrollment management and director of scholarships and student aid, in an e-mail.
SU has received about 12,000 FAFSA forms and approximately 10,000 CSS Profile forms as of Tuesday, said Kaye DeVesty, director of the Office of Financial Aid and Scholarship Programs. SU requires both forms, so the roughly 10,000 prospective students who filed the CSS Profile also filed the FAFSA, she said.
For the 2011-12 school year, SU is participating solely in the William D. Ford Federal Direct Loan program, offered to universities by the U.S. Department of Education, DeVesty said.
The program offers low interest rates, generous repayment benefits and reasonable borrowing limits, she said. Private education loans have higher interest rates than the direct program, DeVesty said.
And more good news may be on the way for students, she said.
On Monday, President Barack Obama proposed a 2012 Department of Education budget that would retain the maximum Pell grant — which provides federal aid to low-income undergraduates — at $5,550 per student, according to an article published in The New York Times on Tuesday.
Other aspects are taken into consideration during the financial aid process, including how many siblings students have in college, DeVesty said. If students decide not to fill out the FAFSA, SU can't determine what to offer them in financial aid, she said.
Returning students for fall 2011 can expect similar financial aid amounts to what they received this year, provided the information on their FAFSA and CSS Profile stays nearly the same, DeVesty said. Returning students are required to file the two forms by April 15 and will receive their financial aid notifications in June.
DeVesty said her office tells students that filing the forms is a requirement, and she sends her staff into the Syracuse community to help students fill out the forms. It's a struggle to get students to complete the forms because the first time filling them out can be a daunting experience, she said.
Jared Kissler, a senior at Pascack Valley High School in Hillsdale, N.J., said he didn't apply for financial aid because his father is funding his college education.
Kissler, who applied to SU early decision and was accepted into the College of Visual and Performing Arts, said he doesn't know if his family income would've gotten him any financial aid even if he had applied. But that doesn't mean he wouldn't have liked to receive any.
"I guess it would help," he said. "Obviously, any money helps."
source:dailyorange
financial aid for hiv patients
Being HIV positive often prevents people from working, which can lead to stress related to their inability to support themselves and pay their bills on time. Luckily, there are several programs available to people living with HIV that can help provide financial assistance. Your local AIDS organization may be able to refer you to appropriate programs, but it's important to understand the available options.
Instructions
1Talk to a social worker or case manager at your local AIDS organization about available financial assistance programs for people who are HIV positive. You will be required to apply to these programs, and you should expect to wait for several weeks before seeing results. When submitting your applications for these programs, you will be required to provide information about your financial status, work experience and medical history.
2Seek out benefits programs to help cover the expenses of your HIV medications. The United States government runs the AIDS Drug Assistance Program, referred to as ADAP, which provides free HIV medications to people living with HIV. You must apply and qualify for this and other drug-assistance programs located throughout the country, but generally the income restrictions are less strict than other financial assistance programs.
3Apply for the federal-welfare program, also known as Supplement Security Income. Through this program, people who either have extremely low incomes or suffer from long-term disabilities are given monthly stipends. Being HIV positive fits the criteria of a disability or disease that will last at least 1 year or cause death.
4Expect that the size of your welfare check will be determined by the state you live in and your work history. United States citizens who work contribute to Social Security with each paycheck, so this amount is used to determine the amount of money you will receive each month.
5Visit your local public-assistance office to apply for programs like food stamps, which provides a certain amount of money each month to purchase groceries at participating stores. Medicare coverage is also available through this office, and it is designed for people over the age of 65 and those with disabilities, including HIV. Medicare can be extremely helpful when paying for large portions of your medical and prescription costs.
Source:eHow
Instructions
1Talk to a social worker or case manager at your local AIDS organization about available financial assistance programs for people who are HIV positive. You will be required to apply to these programs, and you should expect to wait for several weeks before seeing results. When submitting your applications for these programs, you will be required to provide information about your financial status, work experience and medical history.
2Seek out benefits programs to help cover the expenses of your HIV medications. The United States government runs the AIDS Drug Assistance Program, referred to as ADAP, which provides free HIV medications to people living with HIV. You must apply and qualify for this and other drug-assistance programs located throughout the country, but generally the income restrictions are less strict than other financial assistance programs.
3Apply for the federal-welfare program, also known as Supplement Security Income. Through this program, people who either have extremely low incomes or suffer from long-term disabilities are given monthly stipends. Being HIV positive fits the criteria of a disability or disease that will last at least 1 year or cause death.
4Expect that the size of your welfare check will be determined by the state you live in and your work history. United States citizens who work contribute to Social Security with each paycheck, so this amount is used to determine the amount of money you will receive each month.
5Visit your local public-assistance office to apply for programs like food stamps, which provides a certain amount of money each month to purchase groceries at participating stores. Medicare coverage is also available through this office, and it is designed for people over the age of 65 and those with disabilities, including HIV. Medicare can be extremely helpful when paying for large portions of your medical and prescription costs.
Source:eHow
cps school data financial aid
CHICAGO - A unique partnership between the Illinois Student Assistance Commission (ISAC) and Chicago Public Schools (CPS) is allowing the nation’s third-largest school district to effectively identify potentially college-bound students and provide timely financial aid guidance through the often confusing application process.
Through the partnership, ISAC provides a data analysis of those completing the Free Application for Federal Student Aid (FAFSA) to CPS, allowing the district to effectively track its students and intervene to ensure those eligible for financial aid have the best chance at receiving it.
“Here is a tremendous example of intergovernmental cooperation at all levels,” said ISAC Executive Director Andrew Davis. “A local school district utilizing the service of a state agency to crunch federal data to benefit students - This is how government for the people should work.”
By completing and submitting a FAFSA, a typical CPS student can qualify up to approximately $10,000 in need-based grant money. ISAC was the first agency to eliminate its own grant application in favor of utilizing the FAFSA, simplifying the financial aid process for Illinois residents. Thus, the FAFSA is the key to acquiring both federal and state aid.
“The partnership between Chicago Public Schools and ISAC is probably the most unique approach for improving the number of students completing the FAFSA application in the country,” added Greg Darnieder, Director of CPS’ Department of College and Career Preparation. “This unique arrangement gives school counselors and Department of College & Career Preparation personnel the ability to monitor and give support to each of our 18,000 seniors in a timely manner with updates distributed each week for 6 months.”
February is College Awareness and Preparation (CAP) Month, and CPS high schools will host more than 75 different FAFSA completion and financial aid-related workshops and activities across the district. Students and parents are asked to attend these workshops where staff and, at some locations, ISAC and college financial aid experts will be on hand to assist families with FAFSA completion. In some locations, tax experts from non-profit organizations will also be present.
The Illinois Student Assistance Commission (ISAC) provides students of all ages and backgrounds with the resources and support to obtain financial aid for higher education. This spring, ISAC has committed to participate in 282 such workshops and presentations throughout the state.
A state agency, ISAC has paved the path to post-secondary education with innovative programs for more than 50 years. Last year alone, ISAC continued its mission to make college affordable for Illinois students by issuing 185,000 grants and scholarships totaling more than $448 million.
source:college zone
Through the partnership, ISAC provides a data analysis of those completing the Free Application for Federal Student Aid (FAFSA) to CPS, allowing the district to effectively track its students and intervene to ensure those eligible for financial aid have the best chance at receiving it.
“Here is a tremendous example of intergovernmental cooperation at all levels,” said ISAC Executive Director Andrew Davis. “A local school district utilizing the service of a state agency to crunch federal data to benefit students - This is how government for the people should work.”
By completing and submitting a FAFSA, a typical CPS student can qualify up to approximately $10,000 in need-based grant money. ISAC was the first agency to eliminate its own grant application in favor of utilizing the FAFSA, simplifying the financial aid process for Illinois residents. Thus, the FAFSA is the key to acquiring both federal and state aid.
“The partnership between Chicago Public Schools and ISAC is probably the most unique approach for improving the number of students completing the FAFSA application in the country,” added Greg Darnieder, Director of CPS’ Department of College and Career Preparation. “This unique arrangement gives school counselors and Department of College & Career Preparation personnel the ability to monitor and give support to each of our 18,000 seniors in a timely manner with updates distributed each week for 6 months.”
February is College Awareness and Preparation (CAP) Month, and CPS high schools will host more than 75 different FAFSA completion and financial aid-related workshops and activities across the district. Students and parents are asked to attend these workshops where staff and, at some locations, ISAC and college financial aid experts will be on hand to assist families with FAFSA completion. In some locations, tax experts from non-profit organizations will also be present.
The Illinois Student Assistance Commission (ISAC) provides students of all ages and backgrounds with the resources and support to obtain financial aid for higher education. This spring, ISAC has committed to participate in 282 such workshops and presentations throughout the state.
A state agency, ISAC has paved the path to post-secondary education with innovative programs for more than 50 years. Last year alone, ISAC continued its mission to make college affordable for Illinois students by issuing 185,000 grants and scholarships totaling more than $448 million.
source:college zone
student financial aid if qualified
Qualifying for financial aid
Two-thirds of all full-time undergraduate students receive some kind of financial aid. Even if you think your child will not qualify for student financial aid, take the time to apply.
You may be pleasantly surprised.
Kinds of financial aid:
Scholarships and grants
Student loans
Federal Work-Study aid
You can only receive financial aid if you (or your child) apply for it. How much you get is determined by the federal government's financial aid analysis and the college's financial aid office.
Qualifying for financial aid
To qualify for financial aid, your child must meet the following requirements:
Have financial need.
Have a high school diploma or General Education Development (GED) certificate, or pass a test approved by the U.S. Department of Education.
Have a valid Social Security number (unless from the Republic of the Marshall Islands, the Federated States of Micronesia, or the Republic of Palau).
Be enrolled in an eligible associate, bachelor, or graduate degree program.
Be a U.S. citizen or an eligible non-citizen.
Maintain satisfactory academic progress while in school.
Certify that he or she will only use federal student aid for education purposes.
Certify he or she is not in default on a federal student loan and does not owe money on a federal student grant.
Comply with Selective Service registration, if required.
The U.S. Department of Education may compare information with these federal agencies:
Social Security Administration to verify Social Security numbers and citizenship status.
Selective Service System to verify Selective Service registration status, if applicable.
Citizenship and Immigration Services (USCIS) (formerly the Immigration and Naturalization Service, INS) to verify eligible non-citizen status, if applicable.
U.S. Department of Justice to verify that an applicant has not been denied federal student aid by the courts as the result of a drug-related conviction.
U.S. Department of Veterans Affairs to verify veteran status, if applicable.
Applying for financial aid
The Free Application for Federal Student Aid (FAFSA) is the starting point for most student financial assistance. Many states and schools use the FAFSA as part of their aid application process.
Learn more about completing and submitting your FAFSA.
Two-thirds of all full-time undergraduate students receive some kind of financial aid. Even if you think your child will not qualify for student financial aid, take the time to apply.
You may be pleasantly surprised.
Kinds of financial aid:
Scholarships and grants
Student loans
Federal Work-Study aid
You can only receive financial aid if you (or your child) apply for it. How much you get is determined by the federal government's financial aid analysis and the college's financial aid office.
Qualifying for financial aid
To qualify for financial aid, your child must meet the following requirements:
Have financial need.
Have a high school diploma or General Education Development (GED) certificate, or pass a test approved by the U.S. Department of Education.
Have a valid Social Security number (unless from the Republic of the Marshall Islands, the Federated States of Micronesia, or the Republic of Palau).
Be enrolled in an eligible associate, bachelor, or graduate degree program.
Be a U.S. citizen or an eligible non-citizen.
Maintain satisfactory academic progress while in school.
Certify that he or she will only use federal student aid for education purposes.
Certify he or she is not in default on a federal student loan and does not owe money on a federal student grant.
Comply with Selective Service registration, if required.
The U.S. Department of Education may compare information with these federal agencies:
Social Security Administration to verify Social Security numbers and citizenship status.
Selective Service System to verify Selective Service registration status, if applicable.
Citizenship and Immigration Services (USCIS) (formerly the Immigration and Naturalization Service, INS) to verify eligible non-citizen status, if applicable.
U.S. Department of Justice to verify that an applicant has not been denied federal student aid by the courts as the result of a drug-related conviction.
U.S. Department of Veterans Affairs to verify veteran status, if applicable.
Applying for financial aid
The Free Application for Federal Student Aid (FAFSA) is the starting point for most student financial assistance. Many states and schools use the FAFSA as part of their aid application process.
Learn more about completing and submitting your FAFSA.
financial aid student appeal letters
Is Diversity In Education Essential?
Is Diversity in Education Essential?
During the course of this essay I will present a response to the letter "Education as a commodity" and explain why I disagree with Guerber's weakly substantiated argument. I shall address the three prevalent premises offered by the author, while further critically evaluating and revealing their flaws, truths or irrelevances.
It is clear from the letter, the author has concluded that universities who take diversity into account when selecting future students, are doing so wrongly. He believes it is unfair and irrelevant to education. "It does not, and should not, educate one group of people over another because of their race." (Guerber 1999). This topic of affirmative action, quotas and diversity in university selection, is a much talked about subject, especially in the United States of America. With regards to this essay I shall concentrate on the issue in America, as it is most relevant to the article.
letter, he argues that students purchase ONLY an education of universities and nothing else should be included in this equation and that diversity therefore is irrelevant.
Looking at this sweeping statement's reasoning logically, it can be plainly seen that the correlation from the one statement to the other, is not completely justified. In order for him to make that particular statement true, he would have to answer the questions: Does or should education include diversity, or is diversity essential to a good education? If he himself had answered those questions, then perhaps there would be no need for me to write this essay.
He solely views education as a commodity. A traded item, that is an item that is bought and sold. Unfortunately education is a unique product. It is paid for but it is not sold. Education is earned through hard work, learning, critical thought and studying. Education is the transfer of skills that accompanies growth and maturity, which transforms a...
source:oppears
Is Diversity in Education Essential?
During the course of this essay I will present a response to the letter "Education as a commodity" and explain why I disagree with Guerber's weakly substantiated argument. I shall address the three prevalent premises offered by the author, while further critically evaluating and revealing their flaws, truths or irrelevances.
It is clear from the letter, the author has concluded that universities who take diversity into account when selecting future students, are doing so wrongly. He believes it is unfair and irrelevant to education. "It does not, and should not, educate one group of people over another because of their race." (Guerber 1999). This topic of affirmative action, quotas and diversity in university selection, is a much talked about subject, especially in the United States of America. With regards to this essay I shall concentrate on the issue in America, as it is most relevant to the article.
letter, he argues that students purchase ONLY an education of universities and nothing else should be included in this equation and that diversity therefore is irrelevant.
Looking at this sweeping statement's reasoning logically, it can be plainly seen that the correlation from the one statement to the other, is not completely justified. In order for him to make that particular statement true, he would have to answer the questions: Does or should education include diversity, or is diversity essential to a good education? If he himself had answered those questions, then perhaps there would be no need for me to write this essay.
He solely views education as a commodity. A traded item, that is an item that is bought and sold. Unfortunately education is a unique product. It is paid for but it is not sold. Education is earned through hard work, learning, critical thought and studying. Education is the transfer of skills that accompanies growth and maturity, which transforms a...
source:oppears
certified financial planner job openings
Certified Financial Planner jobs may require the candidates to develop and manage ongoing and regular client contacts and communications, watch over client services, including plan creation, updates, portfolio changes and reviews, returns and new opportunity identification.
Some Certified Financial Planner jobs could require preparation of follow-up letters to clients/prospects after a meeting, follow-up with clients to implement plan recommendations, maintain contact with client to revise plan based on changing needs of the client.
Certified Financial Planner jobs may require a Bachelors Degree in Finance, Economics or Mathematics, CFP ® License and 3 to 5 years Financial Planning Experience.
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