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  • Grants for Students with Disabilities

    Grants for Students with Disabilities

    Am I eligible?
    You are eligible if you:
    – apply and qualify for a Canada Student Loan;
    – are enrolled in a full-time or part-time program (minimum 32 weeks) at a designated post-secondary institution;
    – meet the criteria for students with permanent disabilities; and
    – include one of the following with your loan application as proof of your disability: a medical certificate, a psycho-educational assessment, or documentation proving receipt of federal or provincial disability assistance.

    What’s available?
    $2,000 per academic year (August 1 to July 31).
    This grant is available for each year of post-secondary studies, provided you continue to meet the eligibility criteria. This includes post-secondary studies beyond the undergraduate level. Grant money is issued by your province or territory of permanent residence at the beginning and in the middle of the school year.

    Since grant amounts are fixed, the amount you receive may exceed your assessed need.
    Example: If you qualify for the grant and you have an assessed need of $1,400, you will receive a $2,000 grant. In this case, the grant would cover your assessed need, so you would not need a student loan.

    How do I apply?
    The application process for this grant differs in each jurisdiction. To make sure you meet all the application requirements, contact your province or territory’s student financial assistance office.

  • Managing Your Money Wisely

    Managing Your Money Wisely

    It’s not fun being broke and it’s definitely not fun living paycheque to paycheque! Learning how to manage money wisely is a skill that should be taught in school. Unfortunately, most students aren’t taught this skill in school or at home and, as a result, rack up a lot of debt by the time they enter adulthood. If you want to learn how to manage your money wisely and avoid getting into debt, here are some simple rules to keep in mind:

    1) Don’t spend more than what you have – It sounds so simple, but you’d be surprised at how many people don’t follow this logic. So I’ll repeat it again – don’t spend more than what you have. Or, more accurately, only spend what you can afford. For example, if you only have $100 in your bank account, don’t go out and buy the latest iPhone for $800. If you really want to get a brand new iPhone, then save up $800 for it. It may sound painful, and it may feel like it will take you an eternity to do so, but doing this will actually save you money in the long run!

    2) Use cash – Why? Because when you use cash you can only spend what you have (see rule #1). So if you only have $100 in your bank account, you are only going to have $100. Using cash keeps you in check. It’s a good idea, too, to keep your receipts and write down what you spent your cash on so you know where the money went.

    3) Avoid credit cards – Some people cannot handle credit cards. The act of swiping or tapping a card to pay for purchases means that some people use their credit card to pay for things they can’t afford (thereby breaking rule #1). This means that when the credit card statement arrives a few weeks later, they are only able to pay the minimum payment required and end up incurring interest charges; interest charges which are ridiculously high — 19.5% and higher! Paying interest on credit cards actually costs you more in the long run. You end up paying much more than the original cost of the item you bought. For these reasons, stay away from credit cards! If, however, you do insist on having a credit card, then at least make sure you can pay off your statement in full (i.e. don’t spend more than what you have)!

    4) Put aside money into a savings account/emergency fund/rainy day fund – Life is unpredictable. You never know when you will need to have some extra money in your account for expenses you didn’t foresee. For example, let’s say your car badly needs a $200 repair job. Do you have some money saved up to pay for the repair and still pay the rent? What if you fall sick and can’t go to work for a few weeks – do you have some money in your bank account to tide you over until then? Put a little money aside from your paycheque each month into a savings account or other emergency fund. Do not use the money in this account unless you have to! The best part is that if you keep putting money into this account and don’t touch it for a while, your savings will actually grow thanks to interest! Your money can earn you money without you having to do anything. (In this same way, a credit card statement not paid in full can incur interest charges that will cost you more in the long run.)

    Following these 4 simple rules will allow you to manage your money wisely and avoid getting into debt. Good luck!

  • The Truth About Buying Textbooks

    The Truth About Buying Textbooks

    Can you really put a price on knowledge? College and universities seem to think so.

    Textbook prices in post-secondary institution are climbing everyday. Ironically students learn to think outside of the box and fight injustices such as unnecessarily high textbook costs. While there are viable reasons for Canadian textbook prices to continue to soar, they conflict with current ethic and socio-cultural teachings that encourage students to take a stand against price inflation.

    A Canadian entering post-secondary education can expect to spend between $100 and $1000 on textbooks per year. Typically, math and science students will garner the highest costs, while arts students are paying the least. Regardless of your program, textbook costs are far too high for the quality and quantity of material being provided.

    While students would be better to purchase books online, courses often have required materials that demand textbooks unavailable by any source outside of the school’s bookstore. By disabling students from purchasing online, colleges and universities are holding a monopoly on textbook orders, guaranteeing themselves revenue.

    Maclean’s magazine recently ran an exposé on the Canadian textbook distribution system that reveals why they are so expensive. Unbeknownst to most, a relatively obscure set of provisions to the Copyright Act (1999) known as “book import regulations” is responsible for raising the cost of textbooks by as much as 15 per cent. Maclean’s explains that it gives exclusive rights to Canadian publishers to monopolize textbook sales to Canadian schools, calling it “a form of cultural protection.”

    The Canadian Alliance of Student Associations (CASA) placed the estimated cost of protecting these publishers through the Copyright Act at approximately $30 million a year. $30 million of Canadian students’ money!

    Maclean’s notes that this “private tariff” on books involves no accountability for how publishers use the extra funds. “This money is going to, generally speaking, foreign-owned distributors. They’re collecting it, the author doesn’t get it, the Canadian taxpayer doesn’t get it, and it’s coming out of the pockets of our students.” So there’s the dilemma.

    Is it right to support the Copyright Act in its efforts to preserve and protect Canadian writers and publishers? Is it better to purchase our own books from distributors outside of Canada and be more financially stable? Do we even have a choice?

    CASA is lobbying federal government for a change to the provisions, and until those happen there are a few things you can do to lessen the financial strain of buying textbooks.

    Always look for used books first from a bookstore that’s not officially affiliated with your school, that’s where the best deals can be found. Ask around campus for anyone selling old textbooks and advertise when you’d like to sell yours. If you can read assigned literature right off your computer, do it. Don’t purchase something you can access online option. Be vocal about your textbook price opinions, because awareness on the issues surrounding CASA’s efforts and the Copyright Act may cause the way books are distributed to make as much sense as the priceless material found inside them.

  • First Jobs That Don’t Come With Fries

    First Jobs That Don’t Come With Fries

    One of the first milestones you’ll hit after puberty and before graduation will be your first job. Nothing says adulthood like going to work (even if it’s part-time). Noreen Rasbach, writing for The Globe and Mail, found that 65 per cent of high school students have a part time job.

    Think you’re ready for the leap? Hesitate about a job that requires you to ask, “do you want fries with that?” Gotajob.com puts it nicely: “It is a common misconception among teens that the only jobs available to them are in fast food restaurants or grocery stores. Those types of positions are often most visible, and they are great jobs, but they are not the only options.” Here are some other places to apply.

    1. Lifeguard/ Swimming Instructor

    Typically thought of as a summer job, you can still do this year round at community centres and branches at the YMCA. If you’re a strong swimmer and have completed the necessary courses as well as your First Aid/CPR, you could be teaching the doggie paddle to toddlers in no time.

    2. Tour Guide

    If you’re bilingual, consider a job where you take members of the public around a gallery, museum or part of your city. This is the perfect job for a detailed oriented person with a knack for remembering factoids.

    3. Tutor

    Did you ace biology last year? Have you been taking piano since 3? Advertise yourself as a private tutor. Private tutoring companies will charge parents an arm and a leg for their own certified tutors. Prove your stuff to interested parents (show them report cards, ask a teacher for reference, play Mozart’s Sonatas).

    4. Pet-Sitter

    Know of a family going on holidays or just taking off for the weekend? Offer to walk Fido and feed Fluffy while they’re away.

    5. Retail

    It may be a bit harder to get a retail job with no experience, but try and aim for a seasonal position either in the summer or during Christmas. I’ve worked for 5 years at a toy store from lowly sales clerk all the way up to assistant manager. Every year I’ve seen the staff double from July-August and again from November-December.

    Whatever job you land, make sure you make time for the most important thing: school. In a 2007 Statistics Canada report, working teens are averaging 7.1 hours a week. Ask yourself if you could realistically juggle a part time job on top of school, homework and extracurricular activities. Simona Siad from The Star interviewed 16 year old Tulin Akdemir, who warns, “You have to have a part-time job to make money, then you have to keep your grades up and then all your extra things. It’s really hard.”

    Any of the jobs mentioned above are temporary and short-termed. Ease yourself into the working world with a few of these so you can get a sample of what you really like and what you would like to avoid. Even if you disagree; there’s no rush to growing up!

  • Student Loans: The OSAP Process

    Student Loans: The OSAP Process

    It is a question that student advisors are intimately familiar with and search engines encounter all the time. What is OSAP? If you are financially unable to attend post-secondary schooling, OSAP can help you with that. OSAP is run by the Ontario Ministry of Training and is funded by the province. Their services entail an individualized program specific to your needs. Potential applicants must prove their financial need to attain registered status.

    The criteria is particularly focused on demographics, income and loan history, according to campusaccess.com.

    “You must have either resided in Ontario all of your life or Ontario is the last province where you resided for 12 consecutive months without attending a post-secondary institution,” the site advises.

    There are two ways to apply for OSAP: The online application and the written application. Living in a digital age, online applications seem to be the more popular medium. The majority of applicants choose this because it is quicker, requires no fees, and the system provides online estimates of the funding you may receive. With this option, there is no waiting around and you are able to track the status of your application online.

    University graduate Sabrina Sagl is attending college and still using OSAP to fund her education.

    “I first got OSAP five years ago and was incredibly grateful , because of OSAP, I was able to afford to go to university,” said Sagl. Despite her ability to attend her school of choice, she was met with harrowing realizations about the negative sides of the service. “You get a certain amount of money per year, in two large lump sums, and it is incredibly easy to spend the money negligently.”

    The harsh realities are instilled after a few years of accumulated debt. Once students have completed their educational studies, they are given a six-month grace period to repay their student loans interest free. Some students are forced into trying to maintain a balancing act.

    “It was very difficult having to work, especially shift-work during the school year,” said Sagl. “I had to decrease my course load and take summer courses in order to obtain my degree.”
    If you are applying for OSAP, you need submit your application as early as you can. While OSAP provides a helping hand to students struggling with educational fees, it is far from a one-stop solution. The service often leaves students in a difficult spot financially. Students are advised to focus on their own fiscal prudence in addition to relying on the program for support.

  • The Part-Time Job Experience

    The Part-Time Job Experience

    When looking for a part-time job, you don’t have to settle for just anything. There are many jobs that are tailored specifically for students that will also help you to reach your long-term career goals or just get you the experience you need to move up the corporate ladder. With the spring season fast approaching, many retailers are looking for part-time help immediately to assist them with the rush of customers.

    Retail is the most common type of part-time job for students. This includes clothing stores, convenience stores, grocery stores and most other jobs where you are required to work hands-on with the public. With so many different types of retail opportunities to choose from, you can select something in an area that is of interest to you. Like fashion? Apply clothing stores in the local mall, who generally require more people on evenings and weekends when you are likely to have some free time. If you like beauty, you can apply to work at a make-up counter in a department store. If you like sports, you can apply at many fitness-related retailers or even to be an usher at a local sports arena.

    If you enjoy being outdoors, a plethora of part-time jobs are available to you. You can deliver newspapers/flyers a few mornings a week or be a dog-walker. You can also shovel walkways or clear driveways during the wintertime. Many people are too busy to do this during the Christmas holidays, or they will be out of town on vacations. You can advertise your services in this regard on free community message boards such as Kijiji and Craigslist.

    Another important option to not overlook is the food industry. This includes restaurants and cafes as well as fast food. Most restaurant workers will need to obtain their “Food Safe” or “Smart Serve” certificates to prove they can handle food and kitchen tools in a sanitary manner. This course is generally only one day in length and will give you access to many different jobs that others without the certificate would not be able to get. Another advantage of working in the food industry is that your wage is often supplemented by tips.

    Retail jobs, while they may seem boring, will provide you with a solid foundation in the business world. You will learn how to use cash registers (many companies have their own computerized systems), handle cash and credit card transactions, do paperwork and bank deposits and practice loss prevention strategies. Most importantly, they will give you hands-on experience in customer service – this is perhaps one of the first things you will be asked about in subsequent jobs interviews. Being able to work with the public in a friendly and helpful manner will get you far in your chosen career.

  • The Cost of Education

    The Cost of Education

    Don’t let college and university be a costly mistake.

    Avoid the lure of a big paycheck for a diploma or degree that you really don’t love.

    It’s hard to make a decision at the tender ages of 16 and 17 regarding the career you’ll have for the next 30 years. Yet this is what parents, teachers and guidance counselors are hoping you would do when it’s time to apply for post-secondary. A Gallup and Sallie Mae survey titled How America Pays for College, found that more than half of high school seniors spent more time planning for the prom than thinking about university.

    CBC reports that the average cost for tuition in Ontario rose 207% from 1990 to 2007. It would now cost Ontario students $5,160 a year. It’s cheapest in Newfoundland and Labrador at only $2,606 and the most expensive tuition fee goes to Nova Scotia, where students fork over $6,571.

    With tuition fees on a meteoric rise, pressure is placed on the students often for the wrong reasons. Parents who are weathering the recession and stock market crisis will warn their son or daughter of choosing professions that offers stability and a large paycheck. Accountant? Programmer? Nurse? Sure, they all sound interesting…why not give it a try?

    Valentina (not her real name) started off going to university to pursue a Bachelor in Public Administration. It became evident that this really wasn’t for her. She then tried switching into Pharmaceutical Studies, only to finally graduate in Sociology. A year after receiving that degree she enrolled in college for Event Management. Still unhappy, she is now halfway through an Optician program. She feels confident that she has found her true career and even landed a student optician position during her studies.

    College and university can be very expensive, if you’re still unsure of what you would like to do. Not everyone can afford to switch around majors like Valentina did. Worse still if you stay in a program that you know you’re not suited for. Erica Cervini’s recent article for The Age found that, “If students don’t feel they belong to their university, the odds are high that they will drop out”. The greatest price to pay for education is an incomplete one.

    It’s okay to take your time and not rush into university or college when you’re not sure of what you would like to do. Volunteer during high school, talk to other adults, explore sites like Jobspeopledo.com or even consider taking a gap year to think about what would you be happy to do. Treat your future career like finding your soul mate. If you meet a big shot executive who makes loads of cash, would you be with him/her if your heart just isn’t into it?

  • July Scholarships of the Month – Apply Now!

    July Scholarships of the Month – Apply Now!

    Just because it’s the summer doesn’t mean that scholarship applications should stop. In fact, there are plenty of scholarships just waiting for you to apply! Did you know that many scholarships go unclaimed? According to Canadian Living, of the $70 million available in scholarships each year in Canada, about $7 million goes unclaimed because students don’t realize so many scholarships exist. So what are you waiting for? Get applying and get that free money!

    1. SecureReset Fall 2013 Scholarship – Open to students attending any school for any program who demonstrate community involvement and academic achievement. Amount: $300. Deadline: November 1, 2013.

    2. Simplycast Ritchie Scholarship 2013 – Open to students attending any school for any program who demonstrate community involvement and academic achievement. Amount: $450. Deadline: September 1, 2013.

    3. CrossLites Essay Contest – Open to all students who reflect on one of Dr. Parker’s inspirational quotes and how it relates to their life in a brief essay. Amount: $2000. Deadline: December 15, 2013.

    4. Super Powers Scholarship – Open to students attending any school for any program who write a brief essay on what super power they would like to have and what they would do with it. Amount: $250. Deadline: September 30, 2013.

    5. 2013 Johnson Scholarship Program – Open to children and grandchildren of Johnson Affinity group members and/or Home-Auto clients. Amount: $1000. Deadline: September 15, 2013.

    6. Heroes of Our Time Scholarships – Open to all First Nations students who have completed at least one year of post-secondary education. Amount: $2000 (8 in total). Deadline: July 21, 2013.

    7. Jeremy Dias Scholarship – The Jeremy Dias Scholarship seeks to recognize a youth that has taken initiative in addressing discrimination in their school or community. Amount: Not specified. Deadline: August 15, 2013.

    8. Out on Bay Street Scholarship – Open to all students who show an involvement in the LGBTQ community. Amount: $2500. Deadline: July 31, 2013.

    9. Tronia Systems Scholarship – Open to all students enrolled in Agribusiness or related field. Amount: $1000. Deadline: October 7, 2013.

    10. Atlas Shrugged Essay Contest – Open to all students. Amount: 1st prize at $10,000; 2nd prizes at $2,000; 3rd prizes at $1,000; Finalist prizes at $100; Semi-finalist prizes at $50. Deadline: September 17, 2013.

  • June Scholarships of the Month – Apply Now!

    June Scholarships of the Month – Apply Now!

    If you are graduating from high school this month, chances are you are preparing to enter your first year of college or university this fall. That means you need to figure out your finances – how exactly will you pay for your post-secondary education? Student loans are very helpful, but you need to pay them back. There’s a bevy of scholarships and bursaries just waiting for you to go out and grab them – and you don’t have to repay them! So what are you waiting for? Check out some of these excellent scholarships and apply for that FREE money!

    1. Equals6 30 Day Scholarship – Open to all students in all programs. Amount: $250. Deadline: June 12, 2013.

    2. Bill 7 Award – Open to students who identify as lesbian, gay, bi-sexual, transgender, transsexual, two-spirited, and/or queer and are attending a school in Ontario. Amount: $2000. Deadline: August 2, 2013.

    3. NACBS Undergraduate Essay Contest – Open to students in any school who write an essay on a British topic. Amount: $100. Deadline: June 15, 2013.

    4. Workers Health & Safety Centre Scholarship – Open to students attending school in Ontario. Amount: $1000. Deadline: June 7, 2013.

    5. AIA and the Global Automotive Aftermarket Symposium (GAAS) Scholarship Program – Open to students enrolled in an accredited automotive technical program in Canada. Amount: $1000. Deadline: June 15, 2013.

    6. Canada’s Outstanding Young Farmers Memorial Scholarship – Open to students who are studying agriculture in any school. Amount: $1000. Deadline: June 30, 2013.

    7. Nexen Oil Sands Scholarship Program – Open to Canadian citizens or permanent residents that reside within the area eligible for bus transportation to Fort McMurray by the Northland School Division. Amount: $2500. Deadline: June 30, 2013.

    8. Canadian Medical Hall of Fame/Great-West Life, London Life, and Canada Life Scholarship Fund – Open to currently enrolled high school students planning to pursue post-secondary studies in medicine or health sciences at a Canadian university. Amount: $1000. Deadline: June 10, 2013.

    9. Nelson Civic Leadership Scholarship – Open to all Canadian students outside of Quebec who are making a difference in their community. Amount: $5000. Deadline: June 28, 2013.

    10. Canada Post Aboriginal Education Incentive Awards – Open to Aboriginal Canadians who have been out of school for one year. Amount: $1000. Deadline: August 31, 2013.

  • Online College Degrees: Protecting Yourself Financially

    Online College Degrees: Protecting Yourself Financially

    The internet is a great source of information. You could research, connect with friends and relatives, shop for various things and you could even finish or earn an online college degree. With the advent of technology, everything seems to be just a click away. But the World Wide Web is not just a source of facts, it is also full of scams.

    More students are becoming interested in acquiring online college degrees. In fact, as of 2007, there are already 3.7 million online students. It is easier for working parents, single parents and the disabled to take online college degrees since geographical location is not a big issue. Time and budget would depend on the student.

    But online college programs are not the only ones increasing in popularity – bogus online colleges are also proliferating on the internet. The issue of having fake college degrees and diplomas is not new; the internet just gave the problem a new look. Nowadays they are called diploma or degree mills.

    Fake online colleges would provide an illusion that they are a reputable and solid online academic institution. But when researchers and experts check their domain name, it would show that they do not have a concrete campus or office.

    How could you differentiate illegal and legitimate online colleges and universities? There are two ways these fake institutions would market. They could blatantly announce that they are selling bogus college diplomas, while there are others which would pretend to have a solid academic background and fool the people. How do you protect yourself from such scams?

    • Ask questions. It has been a common notion to never question a college or a university. But when dealing with online colleges, it is important to ask questions about management, offered courses, etc. to get an idea about its credibility.

    • Check the accreditation of the online college in question. Even if they are saying that they are accredited do not settle until you have completely verified their accreditation.

    • They do not require anything else other than credit card information. Online colleges require high school transcripts, previous academic records and test scores. It is likely you are dealing with fake institutions if the only thing important for them is money.

    • Earning your degree would only take you about 30 days after enrollment. A real college degree, even if it is online, is something that you would have to earn and not something that would be handed to you regardless of your status.

    • The online college in question has multiple complaints filed against them. You could check your local provincial government or the Better Business Bureau to see if they have lists of unaccredited colleges.