Friday, December 7, 2012

Pay As You Earn Coming!

This just in from student loan guru, Heather Jarvis:

Pay As You Earn Implementation Set for December 21, 2012!

The Department of Education will officially announce 
tomorrow that President Obama's new 
"Pay as You Earn" repayment plan will be available 
starting December 21, 2012.
To be eligible to choose the new "Pay As You Earn"
  • Must have no outstanding federal student 
        loan balance as of October 1, 2007; and
  • Must receive a disbursement of a federal 
         studentloan after October 1, 2011.
Pay As You Earn features payments capped
at 10% of "discretionary income" and forgiveness
after 20 years of repayment.
Please share this announcement with others.


Heather's signature

Heather Jarvis
Student Loan Expert
Heather Jarvis has provided student loan training 
and education to university staff, employers, 
professionals, and student loan borrowers since 2005. 

Sunday, December 2, 2012

Exceptional New Encore Career Books!

This holiday season two exceptional new books are hitting the shelves.  Both books contain a ton of practical advice and encouragement for those seeking a new career or simply more meaning from their work life.

Journalist and popular author Norm Crampton hits a home run with Boomer Men Working, Strategies for Staying Employed (or Tackling Unemployment).  Chock full of practical, real-world tips, Crampton fills a gap in the literature with an employment plan geared for men in their late-40s to retirement.   Boomer Men Working is my #1 recommendation for men faced with career change after years of loyalty and dedication to a first career.  Thank you Norm!

Equally fun and useful is The Encore Career Handbook by author & columnist Marci Alboher.  A year in the making, the research for this work was sponsored by, the nation's leading non-profit career resource center for individuals in the second half of life.  Called a "comprehensive, nuts-and-bolts guide to finding passion, purpose and a paycheck in the second half of life", this work is likely to become the next-career go-to resource for years to come.  Preorder today, and you’ll get access to an exclusive online advice session in early January with author Marci Alboher. Email your receipt by January 1 to, and will send you details for how to access the online event.

Saturday, November 24, 2012


And Thursday and Friday...  From midnight November 25th to midnight November 28th go to Amazon to download a FREE Kindle copy of each of my books:

Consider it my holiday gift to you and the students in your life :)

Friday, October 26, 2012

Bad Debt

Great article in the NY Times about the downside of private versus federal student loans. Student Debt Debacles offers insight every student borrower should know going in.  The issue isn't simply about reducing debt, but is also about knowing how the lenders deal (or don't deal with you) over the life of the loan.

Friday, October 19, 2012

Next Giveaway!

Start your college journey with a free copy of "Back to School for Grownups"!   Kindle copies of the featured book "Back to School for Grownups" can be downloaded free of charge any time on October 20, 2012 at

Thursday, October 18, 2012

Has for-profit higher ed reached its peak?

The University of Phoenix announced today it will close 115 locations around the country.  An enrollment growth leader in the for-profit higher ed arena, at its peak the University of Phoenix could boast a student body of 400,000 students - making it the largest institution of higher education in the world.  Quantity doesn't always equate with quality, though, and several years of bad press targeting for-profit schools may have played a part in the decline.

To be clear, the U of Phoenix isn't shedding students.  It is shedding buildings.  Ironically, a higher ed institution known for its online presence is moving more online, if you will.  Students in the face-to-face or blended courses (in-person and online sessions) can transfer to online courses. 

So what message might this send to other institutions?  Stop building new buildings and invest in cloud technologies?  The only certainty demonstrated by the U of Phoenix's announcement is that higher ed continues to be in a state of flux - for all schools; public, private, for-profit.  One can only imagine what higher ed will look like when today's traditional-age students send their kids to college.

Wednesday, September 12, 2012

The Encore Career Handbook

Wondering how to find your next career?  The Encore Career Handbook shows you how. According to author Marci Alboher, a former New York Times columnist and VP, "Nine million people ages 44 to 70 have embarked on careers that are personally meaningful and benefit society. Another 31 million are interested in finding their own encores." You are not alone!

Called an "invaluable resource" by the Associated Press, Alboher's comprehensive guide mixes stories of encore trailblazers with nuts-and-bolts advice (including an interview with this Dr. Laura :))
Place your pre-order today for The Encore Career Handbook at

Tuesday, September 11, 2012

For-profit Revenue & Recruitment Tactics Questioned

Kudos to Alex Friedrich and crew from Minnesota Public Radio!  This well-researched report lays out the issues raised by recent practices at many (not all) for-profit colleges.  Hear from former recruiters, students and deans who have joined in a whistle-blower suit to expose practices they believe harm rather than help students who are just trying to get ahead.

For more information see "For-Profit Higher Education Under Scrutiny", under Free Stuff.

Tuesday, September 4, 2012

Ethics Scholarship for Seniors

September 4, 2012

The Better Business Bureau of MN and North Dakota is offering $5000 in scholarship funds!  For more info visit  Deadline: September 21, 2012

Friday, June 29, 2012

Congress renews rate reduction for federal student loans

Today Congress passed a bill that keeps federal subsidized student loans at 3.4% interest for one more year.  These loans have been kept low for the past four years but were scheduled to return to their regular rate of 6.8% on July 1.  One more reason to stick with federal loans!

Thursday, June 21, 2012

Back to School for Grownups has a new home!  Stay tuned.