Tag Archives: student

How to save money on Student Health Insurance?

The health care costs have continued to rise with every succeeding year and this is quite common to the industry itself. Given the scenario the student health insurances are no difference. A lot of the college students tend to nurture the common idea that they don’t really need to have a health care insurance as there is nothing to worry about their health.

They have this confidence as they are young and are in one of the best physical conditions. But what they often don’t realize is that ignoring the health and health needs will actually invite serious health problems down the road. In such situations, saving money for student health insurance make certain that all the young adults get absolute care and can at the same time take necessary preventive steps to continue with a good health as they become adults.

Significance of Student Health Insurance Plans

Young students are a lot less likely to care for their health as they are enjoying the best physical conditions ever. Often the various health practices that they indulge in and the amount of exercise that they do ensure that they are in perfect shape. However a careless lifestyle and absence of any sort of preventive measures often lead them to the path of future medical complications. It is quite an unfortunate fact that young healthy adults are often diagnosed with cancer or other major kinds of health complications that put their entire life and future at stake.

But once Student Health Care insurance is bought, it means that these young adults are forced to get into the habit of going for regular check ups to medical professionals, which work as an effective and preventative health care measure. Often these check ups also come in handy in the sense that a lot of the potential health problems are diagnosed at a very early stage itself and can be stopped before they take the shape of a major complication. Moreover, taking good care of the health as a college student also in a way becomes a preventive measure that saves upon the lot of the future expenses related with major health problems that might occur.

How does the Student Health Center help?

A Student Health Center is a special medically equipped division run by most colleges and universities and is situated on the campus or the premise of the institution itself. These are efficient clinics that provide a host of foundational medical services that are commonly found at the medical check up clinics in general. These clinics offer regular check up for,

Injuries Sickness Birth control Vaccinations Disease testing

Most of the colleges charge a particular fee that is invested for the maintenance of these centers. On paying the fee every student gains the access to use the facilities of the student health center for all kinds of medical needs.

In fact the student health center at colleges is one of the most convenient ways in which the costs on health care insurance can be minimized.

Student Loans Bad Credit: Cautious Approach is Necessary

Students who have got a history of bad credit are not in a favourable state though it is generally true that they are comparatively in better position than any one who is carrying record of bad credit and who is not a student. Students may have had earlier loan or loans which they have not paid back the regularly. Defaulting or taking no step to pay back in proper time is never good as lenders are discouraged knowing such history. Still students loan bad credit may be secured by a student. How a student may achieve this is what has been discussed in the following lines.

Students reach to this condition as most of them like to support them when they are in the colleges or universities. As they are not enough mature they do not know how to manage their finance. It becomes grave when they acquire loans from some sources without going through their terms and conditions.

Students, however, cannot usually cite a home in their own name or any alternative property in their own name which may be pledged as collateral property. Hence, they are not eligible for secured loan. This takes them to a more difficult state as they are now eligible to apply for unsecured loans. In case of unsecured loan students will be asked to pay interest at higher rate although they will get less amount of loan. They will get shorter tenure to repay. This is far away from the norms practiced when students without a history of bad credit are advanced a loan. They usually pay back the money after they are engaged in a full time job. Again as they get smaller amount as loan it is not possible for them to clear the loans that they have taken earlier.

Students should contact government agencies when they require student bad credit loans. They should meet professionals in the Local Education Authority and describe their condition. They may search different web sites on the internet and find out sites which are under any government body. They should seek advices from the Financial Services Authority. They may contact a broking firm and request to prepare the applications for them as this may ensure them in securing loans.

One should also choose the lender very carefully. The lender should be able to tell the borrower about the best suitable option. The proper inquiry about rate of interest on loans should be made from many people. At present 1 in every 25 students in England support themselves by taking loans for their studies. When they pass out from the university each of them carry a loan of more or less 13,000 pounds on their head. It is better for the students with a history of bad credit to accept certain measures which may appear as austerity in the lifestyle.