Getting Rid of Student Loans

by Lynn on July 30, 2014

Imagine if you could make your student loan disappear. According to American Student Assistance, a non-profit that aims to educate young people about money say it is possible.

Both the federal and state government, as well as some non-profit organizations offer loan “forgiveness” programs. Do the right paperwork and you could be loan free.

While there is no single comprehensive listing of loan forgiveness programs, there are programs for some specific professions. Here are a few of those:

Law school graduates who become a district attorney or a public defender are eligible to apply for the John R. Justice student loan repayment program. This program pays up to $4,000 a year towards an eligible applicant’s debt up to the maximum of $60,000 per graduate.

The National Health Service Corps offers an even more generous program for health professionals. This program repays up to $60,000 in debt in just two years for students working in medicine, dentistry or mental health in underserved communities. Graduates who are willing to work part-time on medical research could eliminate up to $35,000 in debt per year with a program funded by The National Institutes of Health.

If you are willing to trade a few years of service for loan forgiveness you are in luck. There are various federally funded loan repayment programs for fire fighters, teachers, nurses, librarians, speech pathologists and employees of non-profits.  The programs don’t typically ask graduates to work for free but they might receive less pay in order to repay the loan. The value of the loan repayment is likely to more than compensate for the lost wages.

Because there is no comprehensive list of forgiveness programs it pays to do your research. There are many organization’s websites that can help students find the right fit.

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Ways to Update Your Bathroom

by Lynn on July 23, 2014

Want to update your bathroom with a huge remodeling project? With a few simple updates you can change your old outdated bathroom to something more eye appealing. And the best part is you can do it all yourself with little to no cost!

Replacing a toilet seat

This is so simple and takes no time at all. If your toilet works just fine, but your toilet seat is outdated or worn out, a quick swap can really improve things. Start by removing the old seat by using a deep well socket to unscrew the bolt. A little WD-40 can help to loosen things up if needed. Line up the new toilet seat and bolt into place. And you are done!

Replace your shower head

Having a great shower head can make taking a shower a whole new experience. Find one that fits what you have been dreaming of, whether it’s one that creates a waterfall effect, or one with a hand held shower head. Typically replacing your shower head is as easy as unscrewing the old one and screwing on the new one! And for added benefit, pick one that saves on water.

Update your hardware

Updating your towel holders, soap dishes and toilet paper holder can really add a whole new look to a bathroom. Outdated hardware can make your bathroom look like it’s from the 1970s so pick new hardware that is modern and fits the overall look of the bathroom. Replacing hooks and towel holders is an easy DIY project as long as you know how. Many of these don’t have exposed screws, but they do have a tiny screw underneath each side that needs to be removed in order to lift off the wall mount.

Get new towels

And this includes bath mats, shower curtains and window curtains. Updating all these things can change the color scheme all together. Just make sure if you aren’t going to repaint that you pick colors and patterns that compliment the existing wall color. Bathrooms look best in neutral colors, or lighter shades of blues, greens and yellows.


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Stop Summer Brain Drain

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