A consolidation is an option for decreasing the amount of work involved in the process of repaying student loans if the borrower has many service providers for their loans. This might also result in a reduction in the amount of money that is owed on a monthly basis. The term “student loan consolidation” refers to the process of combining several student loans into a single loan, notwithstanding the fact that individual loans may have different interest rates and repayment terms right here on https://bridgepayday.com/.

According to Tate Law, despite having poor credit, students still have the opportunity to combine their student loans since the United States Department of Education does not do a credit check on applicants when they submit their applications. However, private lenders are required to abide by stringent lending regulations when it comes to the consolidation of student loans and the refinancing of existing debts.

Which of the following is the most effective method for consolidating federal student loans?

When you apply for a federal student loan, the Department of Education will review your account to ensure that you are eligible for loans and that you will not be subject to having your wages garnished or having a judgment entered against you in the event that you default on a federal student loan. If the Department of Education finds that you are not eligible for loans, they will not approve your application for a federal student loan. This is what Tate Law has to say about it.

The vast majority of federal student loans, with a few notable exceptions, are eligible to be consolidated.

• A single loan from the federal government, although this loan is really a consolidation loan from the federal family education loan program.
• A shared spousal consolidation loan.
• A debt for which a judgment has already been issued and a wage garnishment is now in effect.

Visit the studentaid.gov website to learn about your options for consolidating your federal student loans. After signing into your account, choose “Manage My Loans” and then “Consolidate My Loans” from the drop-down menus. During the application process, you will be walked through each step, and you will have the opportunity to choose which debts you would want to combine into one payment.

Choose a suitable repayment strategy, as well as a loan servicer, so that you may get assistance with consolidating your loans. Through the use of the Department’s Loan Simulator, you will be able to investigate the different repayment strategies available to you in the event that you are unsure of which one to choose.

When you have finished submitting your application to the Department, you will see that it claims it will take about six weeks for the applications to be processed. You may also get in touch with the company that is servicing your loan to find out the status of your application and ask any questions you may have. An email with a link to your Loan Summary Statement will be given to you by the loan servicer two weeks before the date on which the payment for your new consolidation loan is due.

Consolidate Private Student Loans

Students who have excellent credit, a long credit history, consistent income, and a debt-to-income ratio that is lower are more likely to be approved for student loans via private lenders. In the event that your credit score is lower than 600, Tate Law suggests that you may need to investigate a variety of financing possibilities, such as the following:

• Consolidate your debt with a cosigner who has strong credit and lower your monthly payments.

• Find a credit union that offers its members credit with a cheap interest rate. Loans on a personal basis for the purpose of paying off the debt.
• Find a lender that is willing to work with students who have credit ratings that are below average.

Even if you have poor credit, it is still feasible to combine your student loans; however, it is unlikely that you would be offered interest rates that are more favorable. It is in your best interest to postpone consolidating your student debts until such time that your credit score has improved enough to make it possible for you to make a more informed decision.

Have you always wanted to prepare for the baccalaureate without going to a physical lesson? Need to keep your wards and kids studying without having to carry physical books? The A1 Tutor app may be available to resolve these issues.

Tutor A1 is a learning platform for secondary and A-level students – a platform that aims to make learning fun, interactive and easier for students.

The app promises users to access their well-designed video lessons, quizzes, online/offline CBT mock tests, and past questions and solutions, and has over 20,000 downloads on playstore and Apple Store.

About Tutor A1

The app was launched in January 2022 by Olanipekun Paul Kayode, who said in an interview:

“From my experience of working at different levels of teaching and learning in Nigeria, I have observed a shift in the way we learn over the past decade. Previous generations prided themselves on their ability to read large texts while Gen Z are digital learners who tend to stick to their gadgets. My main goal is to bring learning to a medium where learners can be engaged to learn with enthusiasm.”

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What the app promises

A1 Tutor app promises easy and accessible learning to its users, learning without distraction. Users can also set the pace of their learning and can take as long as they need to understand a lesson on any topic, before moving on to other lessons or topics.

The app promises to be designed to be a user-friendly and reliable learning tool.

A1 Tutor app claims to have over 20,000 quizzes, mock tests, lecture notes, instructional videos, all specially and carefully designed for students in Primary School, Junior High School, Middle School senior secondary, core university curricula (A’ levels) and examinations. Preparation in accordance with the approved curriculum.

Performer analysis, expert trainers and live tutor chat are features available on the app.

What users say

Michael Anthony

Wow! what an exciting app. It taught me a lot and improved my college life by making me more interested in my studies, and I couldn’t see any errors while using the app, but the only problem I have is Watching the videos while the tutor is tutoring if by any chance you pause the video for just a few seconds, you will find out that the video will no longer be able to play except you will start from scratch, so do something about it.

Jerome Okoro

Guy, this app is just a great job! Little by little the difficult things become simple! (especially only if there is data ) . But unfortunately, I didn’t see “calculation”, in math. I would like to deepen the calculation.

Rebecca Oluwoye

I have no problem with the app only that most of the things I have trouble with especially chemistry are not in the app every time I try to play the video it just says coming soon and it’s pissing me off because I’m getting ready for jamb so please let it come sooner please I beg you.

Esther Fave

So far I haven’t had any issues with the app and it’s the first education app that to my surprise works as it should, and the video lessons are very explanatory. I really enjoy using the app and I promise to recommend the app. to my younger friends and siblings

Rosemary Danison

The app is nice, I love it, I would have given it five stars, but the problem is that most of the video lessons are not played Please try to fix this problem.

Does the app keep its promises?

The first impression one gets from the app is that the user interface is impressive.

An impressive feature observed is that the lessons on the app once downloaded can be viewed offline.

But, the lessons on the app are not all free, but are affordable with a 3-tier subscription plan.

Anyone with a good phone and data subscription can have access to a number of lesson videos that can be downloaded to listen to as much as the student needs.

The app offers two categories which are High School (SS1-SS3) and A levels (Cambridge, IJMB, JUPEB).

In the high school category, seven subjects are currently available on the app, including English language, general math, English literature, government, physics, chemistry, and biology.

Another feature is the forum where users can ask questions or even discuss any part of their lessons.

what we think

The A1 Tutor app may be over-promising.

It does not offer any subjects for lower secondary students. Courses for senior students only include seven subjects with no business subjects such as economics, business or accounting available on the app.

The A’ levels segment has even fewer subjects available, including general mathematics, physics, chemistry and biology which are purely science subjects.

Another observation is that while the subject tutors speak clearly enough, there is still room for improvement in the pronunciation of some of the instructors.

Recommendation

The A1 Tutor app has great potential as an online learning platform, but there is room for improvement.

We recommend:

• an increase in the subjects offered;
• Include lessons for junior high

Gopala Krishna Koduri explains how a ‘virtual guru’ now provides lessons and commentary on Carnatic and Hindustani music to devotees

Gopala Krishna Koduri explains how a ‘virtual guru’ now provides lessons and commentary on Carnatic and Hindustani music to devotees

Mumbai-based Niranjan Mohnot can take his music lessons anywhere: at home, while traveling or even during a break from work. During this session on the phone, his “virtual guru” identifies the errors and gives his opinion. A similar scene unfolds in the home of homeopath Swati Vijay Mehta in Anand, Gujarat. She practices Shivranjani, Kalavati, Kalyan or Bageshree raag depending on her mood and the online assessment helps her improve. For dozens of music enthusiasts like them, the Riyaz music learning app is their “virtual guru”. While DIY apps and videos teaching music online are common, Riyaz offers learning modules and gives real-time feedback during the session.

how it started

Gopala Krishna Koduri | Photo credit: special arrangement

Founded by Gopala Krishna Koduri in 2019, Riyaz (meaning practice) follows a different practice to learn chanting. Hailing from West Godavari district in Andhra Pradesh, Gopala Krishna did not have access to people who teach music, dance or any other art form growing up. While studying Computer Science at the International Institute of Information Technology (IIIT) in Hyderabad, he was exposed to arts and literature and realized the need for a learning pathway where the you could pursue your passion.

He took a music appreciation course with teacher and researcher Violin Vasu, which sparked his interest in using technology as a tool for learning music. “He (Vasu) was pro-tech and it was fascinating to see how ragas can be conceptualized using technology,” the Riyaz founder and CEO recalls.

The path towards the perception of Carnatic music through the prism of technology has begun. “It was engaging to use technology to understand something that typically takes a human 10 years to figure out,” he says. A seminar by Professor Xavier Serra (now also co-founder of Riyaz) at IIT Bombay opened up new vistas in music technology which led to his doctorate from Universitat Pompeu Fabra, Barcelona. The intention was to use technology as a key enabler for many like him “who can’t make the time to pursue music full time”.

Gopala Krishna returned to India after six years of researching and developing a technology stack (about 70 people worked on this project) capable of understanding and analyzing melodies. The technology ranks students against colored bars and visually shows how they sing.

He explains: “Aspiring singers taking their first lesson find it difficult to understand and situate what on ‘it’s on their mind. The teacher asks to listen to the tanpura and sing, but the students have a lot of disagreement with it and eventually give up due to frustration. When things look visual using technology, they can identify the line they are singing and easily sing it down or up to hit the target line.

The Riyaz beta in 2017 took early feedback from students to fill in the gaps and also understand the role of music in people’s lives. “Music as a hobby is dominated by the 18-35 age segment. They are passionate, independent and really want music to be part of their life.

He admits that there are certain limits to understanding the melody. “Our Eastern music is rich in melodies and theirs (Western) in harmony. So chords are about harmonies and our melodies are songs,” he adds.

Gopala Krishna adds, “Enthusiasts can be knowledgeable in music and can enjoy what they do and not feel like they are being judged, evaluated and suffocated every moment.”

With structured learning modules, Riyaz has produced over 50 Hindustani classical music courses covering commonly taught Ragas and Carnatic music. The platform is currently working on technology for the popular music segment.; users can bring their own songs that they want to learn in addition to the courses offered. Songs uploaded by users are converted into learning segments.

Riyaz app is available for Android and iOS phones

meterUP, powered by ParkMobile, the leading provider of smart parking and mobility solutions in the United States, celebrates reaching one million downloads since the app was rolled out in December 2017.

Since its launch over four years ago, meterUP has recorded over 17 million parking transactions. The app can account for nearly 70% of all parking transactions in Philadelphia, ParkMobile’s number one market with over one million users.

More than 75% of all meterUP app users come from Pennsylvania. Since ParkMobile launched in Philadelphia, there have been nearly 1.5 million unique license plates across the meterUP program.

“Philadelphia continues to be our number one market generating the highest paid transactions week after week, and we are honored to be working with the city on an exclusive parking app,” added Jeff Perkins, CEO of ParcMobile. “meterUP uses the same easy-to-use technology as ParkMobile and it’s exciting to see the app reach the well-deserved level million downloads.”

About ParkMobile

ParkMobile, LLC is North America’s leading provider of smart parking and mobility solutions, using a contactless approach to help millions of people easily find, reserve and pay for parking on their mobile devices. The company’s technology is used in thousands of locations across the country, including 8 of the top 10 cities as well as college campuses, airports and stadiums. People can use ParkMobile solutions to quickly pay for on-street and off-street parking without having to use a meter or kiosk.

A new social media app has arrived on campus and encourages students to show their lives unfiltered.

Unlike typical social media platforms which can be organized and edited, BeReal users take an unorganized snapshot of their day no matter what they are doing – whether they are studying, partying or even using the room of bath.

The application sends all its users a synchronized notification at a random time of the day. Then, users have a two-minute window to photograph everything they do before their post is considered “overdue.” Until users post their own BeReal, they cannot see their friends’ posts.

BeReal simultaneously captures images from a phone’s front and rear cameras, providing a view of both the poster’s face and their surroundings.

Founded in 2020 by French entrepreneurs Kevin Perreau and Alexis BarreyatBeReal first established itself in France and later expanded its user base only to the United States, according to Mashable reports. The app is meant to showcase “life…without filters,” according to its description in Apple’s App Store.

James Dahlen ’23 said he downloaded the app after seeing his friends receive a notification at a party asking them to pick up their BeReal.

“The notification came and (everyone) started shouting (at the party). They showed me the app and I scrolled down the app and downloaded it,” he said.

He said it was a “strangely reassuring thing to see” that most of the time his friends weren’t doing anything special.

“People don’t lie about what they do,” added Becca Ward-Diorio ’23, who said she downloaded the app after hearing her friends talk about it. She finds using the platform “fun” so far, though she says she still picks up on its nuances, such as a feature that allows users to react to their friends’ posts with selfies.

She also added that the full-face shots catch her “off guard.” Still, she noted that she only follows her friends on the app, so there’s “nobody (her) trying to show off.”

If changes were to be made to the app, Cecile Schreidah ’24 said she would like the ability to take videos, while Dahlen said he would like to manage his feed better, putting his close friends at the top. .

The three students interviewed by The Herald said they believe BeReal will never replace the biggest photo-based social media apps like Instagram or Snapchat.

BeReal “kind of earned a spot in my social media rotation suite,” Dahlen added.

BeReal has hired academic ambassadors on campuses across the United States to expand its user base in the country, according to Schreidah, who says she was personally recruited by the company as an ambassador.

BeReal declined to comment on its growth or recruitment on college campuses in an email to the Herald, though BeReal’s website has a page describing a paid college ambassador program. Schreidah said she was contacted by an app ambassador via Instagram direct messages in June 2021. The ambassador encouraged Schreidah to promote BeReal at Brown through monetary incentives: for each person she referred the application, she would receive $30. Each person who downloaded the app and sent a notice to Schreidah would in turn receive $50.

“I thought it was a scam,” Schreidah said. Still, Schreidah thought it was worth a try, so she made a list of people to contact on campus and posted information about the incitement on her Snapchat story. Schreidah then sent a standardized message to those who expressed interest, telling them how to download the app and send her a review.

“I only recruited about ten students,” she said. These ten students received a $50 Venmo or PayPal transfer from BeReal, according to Schreidah. After about a month of work, Schreidah said she stopped being an ambassador for the app and quickly took it down. Few students used it at the time, and even those with accounts usually forgot to post.

After the summer’s lack of interest, Schreidah said she was “really shocked” that the app had become a “huge” trend on campus. Yet she refuses to re-upload it, citing the time she already spends on social media.