User-Friendly Guide To MBA Student Loans

Student loans are an essential part of many students’ b-school financing strategies, but they’re rarely user-friendly. You’ll face a multitude of options, and it’s up to you to decide the right loans for your situation. We’ll help you determine the right amount of student loans for your situation in our upcoming webinar, but for now, let’s take a look at the different loan options for MBAs and the general pros and cons of each. At the highest level, you could borrow three types of loans to pay for your MBA: family loans, personal loans, and student loans. Not everyone has access to the first option of course, but if you do have a family member willing to provide the cash upfront, you could negotiate a great, low-cost funding source. Meanwhile, personal loans are usually far less preferable to student loans: Personal loans rarely offer interest rates lower than 9%, and most importantly, rarely offer in-school payment deferment options, meaning you’ll need to start repaying your loan as soon as you start school. Therefore, we’ll focus on student loans, the category of loans that are most broadly available and effective for MBAs. There are two types of student loans: federal and private. U.S. citizens and permanent residents are eligible to apply for federal student loans and many private student loans, while international students cannot obtain financing from the U.S. government and should look to their schools’ financial aid office and private programs for financing sources. The key federal loan programs are Direct Unsubsidized Loans (commonly known as the â€Å"Stafford for grad students†) and Direct PLUS Loans. Both offer fixed interest rates, which are set annually following the government’s auction of the 10-year Treasury note in May. At the time of writing, the interest rates are 6.21% and 7.21%, respectively, for these loan programs, and each comes with an added origination fee. This fee is common when borrowing both federal and private student loans, and is usually charged as a percentage of your total loan principal. For example, a 2% origination fee on an $80,000 loan means that a fee of $1,600 is added to your loan balance before your interest rate is applied. The origination fee is 1.073% for the Direct Unsubsidized Loan and 4.292% for the Direct PLUS Loan. Another federal loan program for which some borrowers may be eligible is the Perkins Loan program (which has no origination fee), but this is only available for those with exc eptional financial need. If you’re eligible, you’ll be notified after you complete your FAFSA, or the Free Application for Federal Student Aid. Completing the FAFSA online is the first step to obtaining any federal aid. Why would someone choose federal loans, or choose one loan program over another? Federal loans feature the government’s borrower protections, such as Income-Based Repayment to help those who struggle to meet their monthly payments under the standard loan plan. You can read all about these loan options and protections on the  Department of Education’s website.  When it comes to the specific federal loans mentioned above, you can only borrow up to $20,500 annually in the lower interest rate Direct Unsubsidized Loan – a limit that many MBAs will easily exceed given the costs of business school. Therefore, aside from the relatively few borrowers eligible for a Perkins Loan, it can make sense to borrow the first $20,500 of your loans via the Direct Unsubsidized Loan program before looking at other loan options. The other option that many MBAs consider is private student loans from a financial institution like a bank or credit union, or a lending platform such as CommonBond. Private student loans come in more shapes and sizes than federal loans, including fixed and variable rate options. When taking out a loan through a private lender, as a rule of thumb, you’re likely to get lower interest rates on loans with shorter terms. (Lenders charge less interest for shorter terms because they assume less risk in lending for a shorter period.) Depending on the lender, you may find that private loans offer lower rates than the government options, so you might opt for private loans if you want to lower overall interest costs. The tradeoff when choosing a private lender is that private loans do not come with the same borrower protections as federal options, e.g., you might get deferment and forbearance with a private lender, but you probably will not have an option to adjust your monthly payments based on your income (as you can using the government’s Income-Based-Repayment plan, for example). You should spend time researching private lenders to make sure that it offers basic borrower protections you need, such as in-school deferment. Our recommendation: Call up a lender’s customer service team and talk to someone there. This is a great way to explore your options and make sure you feel comfortable with the lender, especially if you need to ask questions in the future. In the case of CommonBond, we offer an MBA Student Loan with two options at rates of 6.40% or 6.85% APR, respectively. As mentioned previously, CommonBond borrowers forego federal loan protections but have access to CommonBond-specific protections, like CommonBridge, a program where we help borrowers who are in-between jobs. If you have any questions at all about private loans, get in touch with our Care Team at care@commonbond.co or give us a call at 800-975-7812, and we’ll be happy to help. Kaitlin Butler is Content Manager at CommonBond, a student lending platform that provides a better student loan experience through lower rates, superior service, a simple application process and a strong commitment to community. CommonBond is also the first company to bring the  1-for-1 model  to education and finance. Related Resources: †¢ Know Before You Go: Paying for Your Columbia MBA †¢Ã‚  CommonBond’s Story: A Revolution in Student Loans †¢Ã‚  Is it Worth it to Get an MBA?

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Essay about Dr. Jekyll And Mr. Hyde - 802 Words

Dr. Jekyll And Mr. Hyde nbsp;nbsp;nbsp;nbsp;nbsp;In the novel Dr. Jekyll and Mr. Hyde, by R. L Stevenson, a story of mischief and selfishness occurs. Its like this, there is a man called Dr. Jekyll he doesnt like who he is so one day he thinks of a potion that makes his good part split away from his bad part. That is when Mr. Hyde comes into the picture, he is the bad part of Dr. Jekyll. Mr. Hyde likes to party have a good time and cares less about others, but Dr. Jekyll is a caring Doctor whom everybody adores and loves. Mr. Hyde gets himself into a lot of trouble in this story for example he gets a man killed and pushes down little girls for fun Mr. Utterson, a lawyer and a friend of Dr. Jekylls, finds something peculiar about†¦show more content†¦Utterson reads a letter which says quot;only to be read when Dr. Jekyll is deceasedquot; When he opened it, it had a precise explanation of who Mr. Hyde really was and how everything happened. nbsp;nbsp;nbsp;nbsp;nbsp;R L Stevensons novel is amazing. The reason being is the explanations he uses like quot;the dreadful face of Hyde put shivers down my spinequot;. Stevenson really gave me a mental picture of a beast and how Mr. Utterson must have felt the first time he saw Mr. Hyde. nbsp;nbsp;nbsp;nbsp;nbsp;This novel really reminds me of the time when I was playing a game on my computer with all these monsters and images of death and hatred. I remember it being about 10:00 p.m. at night when a thunder storm broke out. I paused and felt the shivers going through my spine and out through my feet. I was horrified I immediately shut off my computer and hid under my covers. I felt like I was being attacked by some beast who had some kind of hatred for me, and took joy in it. I never played that game again, it was to real to be true. nbsp;nbsp;nbsp;nbsp;nbsp;The concerns that arose from this book were: what if it was really possible to split the good and the bad, how would the world be? Would the bad be killing the good or the other way around? Would the society turn all bad and have nothing but hatred in this world? That is how I sometimes feel when I see the hatred going on in our society? Why cant we just get along with each other. It wouldnt beShow MoreRelatedDr. Jekyll And Mr. Hyde1887 Words   |  8 Pageshe consumes his particular poison. â€Å"Strange Case of Dr. Jekyll and Mr. Hyde† is the story of an addict whose inebriated self just happens to have a different name. It does not matter what the solution he drinks for his transformation is supposed to represent, whether alcohol, opium, heroin, or some other substance—he checks off every box for addictive and self destructive behavior. There can be no clearer interpretation of â€Å"Dr. Jekyll and Mr. Hyde† than that it is a polemic against the prevalent usageRead MoreDr. Jekyll And Mr. Hyde999 Words   |  4 PagesDr. Jekyll vs. Mr. Utterson The Strange Case of Dr. Jekyll and Mr. Hyde is a great science fiction story that was published in 1886. It was written by an intelligent Scottish novelist named Robert Louis Stevenson. He uses technological ideas to develop a plot with powerful and realistic characters. Two main characters that play a major part in The Strange Case of Dr. Jekyll and Mr. Hyde are Dr. Jekyll and Mr. Utterson. They are extremely good friends who live in London during the late nineteenth-centuryRead MoreDr. Jekyll And Mr. Hyde1348 Words   |  6 Pagescreative interpretation of the original text. Victor Flemming’s 1941 adaptation of Robert Louis Stevenson’s Dr. Jekyll and Mr. Hyde brings two new female characters to the screen, adding to the duality of the story. The women, Beatrix an Ivy, are opposing figures: Beatrix being Jekyll’s pure and loyal fiancà ©e, and Ivy a strong-willed sexual icon. In this 1941 adaptation of Dr. Jekyll and Mr. Hyde, the characters Ivy and Beatrix ar e not only important allegorical catalysts, but also portray the fightRead MoreDr. Jekyll And Mr. Hyde Essay722 Words   |  3 PagesEnglish Essay (Prompt 3) Dr. Jekyll and Mr. Hyde, created by famous writer R. L. Stevenson, can be considered one of the most famous 19th century novella in the whole world. The author used quite a lot of diversified skills to create an ambience of suspense and mystery. The perspective of narrative used from Mr. Utterson is one of them. First of all, the usage of the perspective of Mr. Utterson draws out the ‘suspense’ element because he is not actually omniscient. The readers can only decipherRead MoreDr. Jekyll And Mr. Hyde1019 Words   |  5 PagesDr. Jekyll and Mary Reilly Robert Louis Stevenson established himself as one of the masters of adventure novels in English literature. His skills as a suspenseful storyteller can be seen in his 1886 novel The Strange Case of Dr. Jekyll and Mr. Hyde. Stevenson tells the story of the Dr. Jekyll and his murderous alter ego Mr. Hyde, through the eyes of Dr. Jekyll’s lawyer Mr. Utterson. Valerie Martin’s Mary Reilly tells the story of Jekyll and Hyde, but through a very different set of eyes. Martin’sRead MoreDr. Jekyll And Mr. Hyde1032 Words   |  5 PagesIn his novella Dr. Jekyll and Mr. Hyde, Robert Louis Stevenson explores the dual nature of Victorian man, and his link with an age of hypocrisy. Whilst writing the story he displays the people of the time and what happens behind closed doors. In Jekyll s suicide note he makes the following observation I have observed that when I wore the semblance of Edward Hyde, none could come near to me at first without a visible misgiving of the flesh. This, as I take it, was because all human beings, asRead MoreDr. Jekyll And Mr. Hyde Essay1651 Words   |  7 Pagesworse. The Strange Cases Of Dr. Jekyll and Mr. Hyde is a novel about a man who needs an exit. Dr. Jekyll is a high class man that has an addiction fueled by his desires to become a different man, and to escape his bottled up anger and evil side that he cannot part with as Dr. Jekyll. This pushes him to create a potion that allows him to become this second man. This second man is Mr. Hyde, the evil dark side of Dr. Jekyll. Dr. Jekyll becomes addicted to being Mr. Hyde and wants to be him full timeRead MoreDr. Jekyll And Mr. Hyde892 Words   |  4 PagesSuperegos doctor A Man is not truly one but, but two,’’ wrote Robert Louis Stevenson The Strange Case of Dr Jekyll and Mr. Hyde. Stevenson wrote about a man with two sides of him. The evil side that kill and hurt people, and the good side that his well respected for in his community. But, the evil side seem to be stronger and it’s taking over him. Everyone get their two sides even myself, I got a side that if someone did something unpleasant to me I won’t let it go I feel like I have to do somethingRead MoreDr. Jekyll And Mr. Hyde1578 Words   |  7 PagesTed Wayland Essay 1 Roughdraft July/ 15/ 2015 Dr. Jekyll and Mr. Hyde story were written in the 19th century in London. In this book we understand the conflict between the good character of Dr. Jekyll and completely evil character from M r. Hyde, who fight for control of their shared body. As the readers, read the story there is a big concern about homosexuality, murder and the duality of human nature. Their personal characters where by Dr. Jekyll is known to be tall and pale gentleman who seemsRead MoreDr. Jekyll And Mr. Hyde2521 Words   |  11 PagesUncovering Dr. Jekyll and Mr. Hyde The Strange Case of Dr. Jekyll and Mr. Hyde was published in 1886 by Robert Louis Stevenson. The story is based on a London lawyer named Gabriel John Utterson, who investigates strange occurrences between his old friend, Dr. Henry Jekyll, and the evil Edward Hyde. This novel was composed as a shilling shocker. A shilling shocker is a short, graphic book. This whole novel is based in Victorian England. Noting the servants, differences between the rich and poor

Social Media Marketing Life Science Journal -Myassignmenthelp.Com

Question: Discuss About The Social Media Marketing Life Science Journal? Answer: Introduction The following paper will be discussed mainly on the marketing strategy of the ebikes oe the electric bicycles. In the modern era dominated by technology, it is highly expected that the human beings always crave for more. They want to get the more benefits from the technological devices. These devices help them to move faster in the busy roads. The ebikes or the electric bicycles are such innovations indeed. These ebikes are run by the electric motor. These vehicles are definitely heavier than the other vehicles. There are several types of ebikes available all over the world now. The electric motor that is used in this context is sometimes small in size and sometimes larger. The popularity of these ebikes has grown with time. Nowadays many people are fond of using the ebikes properly. There are some other names given to these ebikes such as power bikes and booster bikes. The batteries of these ebikes can be recharged as needed. The companies which produce these ebikes must go through a proper marketing strategy so they can attract the customers towards them. Overview of the organizations The journey of this organization began in the year 2007. The beginning of the organization started in a way when an engineering firm that was based in Australia began their dream of building a custom bike frame (Dillengerelectricbikes.com.au, 2018). They wanted to build it from the rods made by stainless steel. The complex arrangements took a long time to make it. Suddenly, an idea of motorizing this bike came to their minds. The firm was an engineering one and this idea did not seem to be an impossible one for them. They had been successful in framing a proper bike that looked like to be a vintage model indeed. They had a proper client base in the region. They decided to show these models to them. A time had come when the company had been completely engaged in producing the ebikes completely. The location of the company is at Queensland in Australia (Dillengerelectricbikes.com.au, 2018). The company had seen its growth by the sale of their innovative products like the electric bikes . They have always thrived for the innovation of the new and better maintained bike models (Rose, 2012). It has been observed that the sale of Dilenger had not been up to the proper mark as expected. This strategy of the company had stunted their growth rates. This is why they had to focus on the more production of their goods (Dillengerelectricbikes.com.au, 2018). These products at first did not seem to be proper and reliable for the products Bulls ebikes Bulls ebikes has been one of the most successful electric bike companies in the United States (www.bullsebikes.com, 2018). They are of the opinion that the relative factors in the daily lives like the parking for the hunting and daily traffic jams in the roads. They had built their company with the view to relieve the stress of their customers. The company aimed to make the lives of their customers full of fun by providing them the proper transportation (Rose, 2012) They wanted to bring in the market some products by which their customers could travel to places where they could not go by normal bicycles or on foot. The company was set up in the year 2010. The headquarter of this organization is at San Diego in California (www.bullsebikes.com, 2018). They are the manufacturers of ebikes for a long time now. Marketing strategies The companies have adopted some important strategies to cater to the increasing demands of the customers (Sundar Balaji Kumar, 2014). The companies have thought of introducing the free electric bikes that will be helpful in many cases for many people indeed. This can be put in as a non-durable product. They must adopt some product strategies like:- This is completely a shopping product (Jobber Ellis-Chadwick, 2012). The product can be run by free electricity. It will be easier for the rural people to purchase and use it. This can be used for exercise and as a generator of electricity. The battery should be maintenance free (Jobber Ellis-Chadwick, 2012). The batteries could be charged with the USB ports on plug points. Customer value The customer value proposition has been a very important thing in the business operations for both the companies (Wilson et al., 2016). While the aim of the Bulls ebikes has set their aim to provide the adventure seekers through their bikes, it has to be kept in mind that they should help the poor people as well as a part of their corporate social responsibility (Carroll, 2015). They can help the poor people and give the same amount of value to their poor customers as much as the rich ones. Target market segmentation The segmentation market can be based on the four sections and they are geographic, demographic, psychographic and socio-economic. The geographic focus should be put on the areas where the electricity prices are too high indeed (Weinstein Cahill, 2014). The people who are mainly youngsters should be the main target market for the companies. They should aim to pull the young boys towards them. The income levels should be the lower and middle income levels. They should be able to afford those products (Weinstein Cahill, 2014). The free electric bikes should be given to the people in these areas because they want it to provide the people the best opportunities to thrive themselves and use the best technological facilities within the country (Weinstein Cahill, 2014). Four Ps or Marketing mix The promotion of the products should be done properly. They should promote the products all over the country by showing their benefits (Khan, 2014). The companies will probably like to put its focus on the eco-friendly energy indeed. This would be helpful for the customers indeed. Both the companies should try to use the social media for the better spreading of the messages indeed (Khan, 2014). The universal energy can be accessed through using the electric bikes. Price The price of the products should be kept at a level that all the people from different economic backgrounds can be able to afford that (Khan, 2014). The EMI rates should be slashed down for the benefit from the customers end. The companies can provide good financial schemes for the advantage of the customers. As the economy of Australia and USA is different, both the companies should try to keep the prices according to the per capita income and GDP of the countries (Kubiszewski et al., 2013). Place The products should be sold at different areas in the country. Both the companies should set up some regional outlets from where the customers will be able to buy their favorite products (Khan, 2014). They should be actively present in the online shopping (Luo, Ba Zhang, 2012). Customers should be able to buy, share their feedback and report their problems through internet. Product The product i.e. the free electric bikes would be very much customer friendly and environment friendly. The products should be cost effective and be able to increase the market share indeed Market entry Both the companies like the Bulls ebikes and Dilenger Electric Bikes- Gold Cast have adopted for the market entry in the new market zones. It is a very common notion that Europe has a great demand for the technologically sound things. The retailers should be able to provide the best electric bikes to their target customers that would meet their requirements (Laufs Schwens, 2014). The companies will try to capture the European market because it would enhance their organizational productivity. The Dilenger Electric Bikes should introduce new programs in which they would focus on their products of electric bikes. They should be very much active in the social media platforms like Facebook, Instagram, Twitter and others (Saravanakumar SuganthaLakshmi, 2012). If the number of followers increase, this will be very much beneficial for them. They should take up the foreign direct investment (FDI) policies to expand their markets in Europe and Asia (Laufs Schwens, 2014).. The demands of their target market segments should be met by both Delinger Electric Bikes and Bulls ebikes. These things would be very much beneficial for them to gain the customer loyalty. The use of technology is a very important thing as Delinger Electric Bikes is an engineering firm. They should utilize all the relevant technological tools into the production of their ebikes (Best, 2012). Conclusion This paper can be concluded by saying that ebikes have become a modern sensation. The manufacturers of ebikes have to keep in mind that the the young generation is the main target market of these vehicles. This is why they have to fulfill the requirements of them. In this scenario, they will need to adopt a strong marketing strategy that will cater to the cost-effectiveness of the companies. The issues in foreign market expansion will have to be mitigated properly. This is how they would get success by following a proper marketing strategy. References Best, R. (2012).Market-based management. Pearson Higher Ed. Carroll, A. B. (2015). Corporate social responsibility.Organizational dynamics,44(2), 87-96. Dillengerelectricbikes.com.au (2018).Australias #1 for electric bikes and electric bike kits | Dillenger. [online] Dillengerelectricbikes.com.au. Available at: https://dillengerelectricbikes.com.au/ [Accessed 2 Feb. 2018]. Jobber, D., Ellis-Chadwick, F. (2012).Principles and practice of marketing(No. 7th). McGraw-Hill Higher Education. Khan, M. T. (2014). The concept of'marketing mix'and its elements (a conceptual review paper).International journal of information, business and management,6(2), 95. Kubiszewski, I., Costanza, R., Franco, C., Lawn, P., Talberth, J., Jackson, T., Aylmer, C. (2013). Beyond GDP: Measuring and achieving global genuine progress.Ecological Economics,93, 57-68. Laufs, K., Schwens, C. (2014). Foreign market entry mode choice of small and medium-sized enterprises: A systematic review and future research agenda.International Business Review,23(6), 1109-1126. Luo, J., Ba, S., Zhang, H. (2012). The effectiveness of online shopping characteristics and well-designed websites on satisfaction.Mis Quarterly, 1131-1144. Rose, G. (2012). E-bikes and urban transportation: emerging issues and unresolved questions.Transportation,39(1), 81-96. Saravanakumar, M., SuganthaLakshmi, T. (2012). Social media marketing.Life Science Journal,9(4), 4444-4451. Sundar, R., Balaji, A. N., Kumar, R. S. (2014). A review on lean manufacturing implementation techniques.Procedia Engineering,97, 1875-1885. Weinstein, A., Cahill, D. J. (2014).Lifestyle market segmentation. Routledge. Wilson, A., Zeithaml, V., Bitner, M. J., Gremler, D. (2016).Services marketing: Integrating customer focus across the firm. McGraw Hill. www.bullsebikes.com (2018).BULLS eBIKES | Home. [online] BULLS eBIKES. Available at: https://www.bullsebikes.com/ [Accessed 2 Feb. 2018].