濮阳东方医院男科看阳痿价格收费合理(濮阳东方医院男科治早泄技术很靠谱) (今日更新中)

Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

Verizon just admitted that the value of its media brand, Oath, is essentially worthless.Verizon announced Tuesday that it would take a .6 billion writedown on its the media unit, which includes Yahoo and AOL.Oath's brand value is now worth just 0 million, according to Verizon. That's a stunning decrease in value since it formed in 2017. Verizon said Oath's brand was worth .8 billion when it last accounted for the company's goodwill valuation.Verizon snapped up a number of legacy media brands in recent years to create Oath. It bought Yahoo for .5 billion in 2017 and AOL, which owns HuffPost, for .4 billion in 2015.With virtually no goodwill brand value, Oath's overall value (assets and goodwill) is now worth half of what it was a few years ago.The telecommunications giant said the integration of Yahoo and AOL didn't meet expectations.Oath "has experienced increased competitive and market pressures throughout 2018 that have resulted in lower than expected revenues and earnings," according to a filing with the SEC Tuesday. Facebook, Google and Amazon are sucking up ad dollars, forcing publishers to search for other streams for revenue.The Verizon media unit's poor performance led the company to make "unfavorable adjustments to Oath's financial projections" for the next five years.Verizon plans to focus more on wireless technology and less on content and distribution.This summer, Verizon replaced CEO Lowell McAdam with Hans Vestberg, the telecom company's former chief technology officer.In September, Oath CEO Tim Armstrong left. He was a driving force behind Verizon's media acquisitions. Armstrong was replaced by K. Guru Gowrappan, Oath's president and former chief operating officer.Verizon announced Monday that 10,400 management employees had accepted voluntary buyout deals, out of 44,000 who were eligible. The buyouts are part of a plan to cut costs and shift investments into wireless and 5G. 1942

VALLEY CENTER, Calif. (KGTV) It wasn't the usual welcome home party for Tyler Priest, a missionary for The Church of Jesus Christ of Latter-day Saints (LDS)."I didn't think this many people would show up," he explained. "Because everyone is scared in their house, but this is really nice to see everyone."Priest was welcomed home, drive-thru style, in the parking lot of Bates Nut Farm in Valley Center Monday. He sat on a truck as family and friends drove by welcoming him home, staying at least six feet away.Priest was on his LDS mission in the Philippines and completed 20 of 24 months he set out to serve, before he was ordered to return home due to coronavirus concerns."This last Tuesday the government in the Philippines told us all foreigners need to leave," he explained. "We flew through Japan, didn't get off the plane, then through Salt Lake to San Diego."Priest returned home late Sunday night, he said he was checked for COVID-19 symptoms several times before arriving in San Diego."They did check our temperatures too many times, but I guess better safe than sorry, makes sense," he said.Although his return home was abrupt, his family is more than thrilled to have him back. It has been a difficult year for them all."While Tyler was gone his dad passed away and the community has been so sweet," said his mother, Ginny Priest. "Even in this super crazy time it's been nice to show their love from a distance."California Highway Patrol Officer Mark Latulippe was there for the Priest family when Shawn Priest, Tyler's father, was killed in a car crash."He was the one who came to tell me about my husband and stayed with me and my family throughout the day," Ginny Priest explained.Ginny Priest said she didn't know Latulippe before her husband passed away. Shawn Priest and Latulippe played softball together and were good friends. Now, Latulippe has become part of the family."He's just so much more than an officer," said Ginny Priest. "I'm just really grateful that someone who understood loss could help us through that situation, so he's really special to us.""His family has been through a lot in the last year, and we miss his dad very much," said Latulippe.He was once again there for the Priest family Monday, to not only welcome Tyler home, but to make sure everyone was being safe during this time of uncertainty."Everybody has driven by and has been responsible with it and trying to abide by the social distancing recommendations," said Latulippe."It's nice to be home," said Tyler Priest.He will now self-isolate for the next two weeks. 2579

Twice in the last week, the San Diego Loyal have walked off the soccer field in protest. Both times, one of their players was the recipient of a slur directed at them by the opponent. In their game against Phoenix Rising, Collin Martin was the target of an alleged homophobic slur."When I heard that I lost it," says Loyal Head Coach Landon Donovan. "Because I know what this team has gone through, I know how hard it was for them to even take the field."Wednesday night's incident comes following a game last week against LA Galaxy II, when a Loyal player was called a racial slur."For it to happen again a week later was just devastating for me," said Donovan.In both instances, the Loyal left the field in protest, and forfeited the game."Our players in the heat of the moment and the passion of the moment still wanted to play."The two losses cost them points in the standings, and a USL playoff spot."Listen, when we are all on our death bed no one is going to remember if we beat Phoenix 3 to 1 at home. No one is going to remember that, but they will remember that they stood up for something they believed in, and they supported their teammate. They supported what's right."As for the Phoenix Rising player accused of the homophobic slur, Junior Flemmings released a statement saying it was a false accusation by the Loyal, and he's very disappointed. Donovan says although his team will not be in the playoffs, he doesn't regret any of the actions his team took the last two games."I understand that most people watching from afar probably don't get it, but we've been living it." 1597

VALLEY CENTER, Calif. (KGTV) — A former North County school security guard was arrested this weekend, accused of sending inappropriate pictures to children online.Steven Lloyd Duncan, a former security guard from 2003 to 2014 at Valley Center High School, was arrested on Dec. 10 by the Internet Crimes Against Children Task Force (ICAC). He has been charged with multiple counts, including obscene material of a minor and luring a minor, according to his arrest log.Investigators say Duncan had communicated with and sent photos to underage children and received photos from children. Valley Center Pauma Unified School District (VCPUSD) said in a statement they have been informed told "none of the identifiable victims are from our community." Anyone who thinks they've been a victim or knows anyone who may have been a victim is asked to contact the ICAC at 858-715-7100.VCPUSD says they are cooperating with ICAC's investigation:"The safety of our students and staff is a top priority. We respond and react immediately to any reports of this nature. In partnership with the (ICAC), VCPUSD advises parents to be aware of their children's online activity. We recommend parents use parental filters on smartphone and computers," the district said in part. "We recommend that minors who use social media utilize "private" settings and that their parents take time to familiarize themselves with the specific social media platform and/or other applications." 1466

来源：资阳报