EAquire.comLoans, Credit Repair, Debt Management

Washington, D.C., United States (AHN) – The declining quality of basic education in the U.S. was confirmed once again with the release on Wednesday by the College Board of graduating high school seniors SAT scores.

Lower average scores were registered for reading, writing and math, but it was in reading where the drop was biggest at three points, which caused the average to go down to a 40-year low of 497.

The decrease in writing score was two points to an average of 489 and in math by one point to 514.

The College Board, which administers the test as a required for college admission, explained the drop in average scores to English not being the only language at home among 27 percent of the 1.65 million students who took the SAT in 2010. In 2001, the percentage who came from such homes was only 19 percent.

In some areas, such as Washington’s Montgomery and Prince William counties, the drop was in the double-digits, which bothered educators from those areas.

Students from Fairfax Country suffered a 10-point decline in average SAT score to 1,654, those from Prince Williams logged an 18-point drop to 1,490 and those from Montgomery registered a 16-point reduction to 1,637.

Each subject has a maximum score of 800 and an overall score of 2,400.

The lower SAT scores came out despite major efforts exerted by schools to boost results under the 2002 No Child Left Behind law. Critics of testing blamed the intense focus on state reading and math exams which affected higher-order thinking skills of the examinees.

Wayne Camara, vice president for research and development of the College Board, said the consistent gaps among ethnic groups such as blacks, Hispanics or American Indians who registered lower scores than whites and Asians are indicators of lack of access to quality education for members of these groups.

The College Board administered the SAT for the first time in 1926 with 8,040 examinees.

View full post on Social Issue Stories

Read More

In the past, the loan facilitator would simply refuse the borrowers who are surviving on benefits offered by the department of social security. People surviving on benefits were mentally or physically disabled people. They did not have any extra source of income and this dependency factor led the lenders to refuse loans. Maintaining a bad credit history already gives negative impression in the minds of the lenders as this is another factor that determines the repayment ability of the borrower. If the person is relying on benefits and do not have good records, then his hopes for a good future would be doomed. Now, the lenders have changed their policies and framed different loan schemes to up lift the standards of bad creditors surviving on benefits. One of them is bad credit loans for people on benefits. It means that a disabled person with an adverse credit score can apply for this particular loan who is already surviving on benefits.

If you have a computer with an internet connection at home, it would be convenient for you to find online lenders who would assure you by offering bad credit loans for people on benefits at competitive rates. You need to be wise enough to compare and choose the best deal. By offering any collateral, you would be able to go for higher loan amount at lower rate of interest. Without any collateral, you need to repay higher rate of interest along with the lower loan amount. The loan amount would range between 1000 and 75000. The repayment period would range between 1 and 10 years. Your loan application would not be rejected on the grounds of any other bad factor like county court judgments, IVA, bankruptcy, etc.

You would be able to apply online for this loan scheme. Good negotiation skills with Loans for People on Benefits would let the borrower fetch a loan amount at a reasonable rate of interest even without putting any collateral. The loan amount would be immediately sanctioned and transmitted to your bank account on mentioning relevant details related to DSS benefits for a minimum period of 8 months, citizenship of UK and bank account details.

Read More

Consumers with credit scores as low as 500 might qualify for government-insured mortgages based on recent changes to underwriting guidelines. The head of the government’s loan program says borrowers with the same low scores might pose different credit risks based on other factors.

View full post on Mortgage Stories

Read More

When getting a personal loan, figure out how much money is needed, look at all options and have an end date to the payment. Get a personal loan without being talked into a credit card by following advice from a financial consultant in this free video on personal finance and loans. Expert: Carrie Kukuda Contact: www.wearehdtv.com Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank. Filmmaker: Christopher Rokosz

Read More