Thursday, January 31, 2013

HAPPY BIRTHDAY JUSTIN TIMBERLAKE !


Justin Randall Timberlake (born January 31, 1981) is an American singer-songwriter, dancer, businessman, and actor. Born in Memphis, Tennessee, he appeared on the television shows Star Search and The New Mickey Mouse Club as a child. In the late 1990s, Timberlake rose to prominence as the lead singer and youngest member of the boy band 'N Sync.

Tuesday, January 29, 2013

HAPPY BIRTHDAY OPRAH WINFREY!


Oprah Gail Winfrey (born January 29, 1954) is an American media proprietor, talk show host, actress, producer, and philanthropist. Winfrey is best known for her multi-award-winning talk show The Oprah Winfrey Show which was the highest-rated program of its kind in history and was nationally syndicated from 1986 to 2011. She has been ranked the richest African-American of the 20th century the greatest black philanthropist in American history. She is currently North America's only black billionaire. She is also, according to some assessments, the most influential woman in the world. In 2013, Oprah Winfrey was awarded the Presidential Medal of Freedom by President Barack Obama.

Monday, January 28, 2013

HAPPY BIRTHDAY J. COLE !







7 Inexpensive Decorating Ideas for Your Room


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Most college students exist on a strict budget. While splurges for pizza must be made, putting money into decorating a dorm room can be one of the first things to fall on the wayside. But, we all need a place to come home to, and most students would be surprised how much of a difference a few finishing touches will make in the way they feel about their dorm room. Here are a few ways to spruce up your space on a college budget.


Wallpaper
If you want to add more color to the walls, try making your own wallpaper out of found items. You can go to a craft store and pick up some wrapping paper in the color of your choice. Then get a box of cool-looking flat tacks and some tape or sticky tack. Simply cut the paper to fit the wall, and stick it on in strips. To hold it, make a cool design with the tacks, or just place the tacks along the edge of each strip.


 Write on the Wall
Making a space for a chalkboard or dry erase board is a great way to add another element to your walls, and it’s useful for leaving notes. Look at a surplus warehouse to find a huge dry erase board or chalkboard and hang it so it covers the entire wall, if you want to do something unexpected.

Pillows and Throws
Pillows and throws are an easy way to pull a room together and add some flare. Check out department or outlet stores for marked down pillows. You can get a bunch of mismatched pillows and a throw in a basic color that will match them all.

Die Your Own Curtains
You can buy cheap curtains, or even used bed sheets, and create your own curtains. To do a cool two-tone curtain, find a white or cream shade and then buy two different colors of fabric dye. Let each side of the sheet soak in a different color and hang to dry.

 Plants
Plants help keep the air fresh and clean in your dorm room, and they can brighten your mood, too. You can find cheap plants at grocery stores and gardening stores. Look for cool pots at thrift stores.

Old Bricks
Grab some old bricks that are headed for the trash and re-use them as bookends or to stack with wooden boards to make your own shelves.

Magnets
Magnets are really useful for dorm mini-fridges and add some color to a room. You can find cool magnets at thrift stores or dollar stores. You can also make your own by gluing objects on top of plain magnets with a glue gun.

Sevyn Streeter - I Like It

Banana Smoothie :)

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Soo fricken yummy!

Friday, January 25, 2013

HAPPY BIRTHDAY ALICIA KEYS !


Alicia Augello Cook (born January 25, 1981), known professionally as Alicia Keys, is an American R&B singer-songwriter, pianist, musician, record producer, and actress.






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Wednesday, January 23, 2013


Make Your First Birthday in College Fun!


Tumblr_mh3ojrjyxb1r4gp6ao1_500_largeHey Guys! Coming to college is a lot of firsts. The first time you do your own laundry, the first time you ride the subway, the first time you go to a frat party. But another first that people often over look is the first time you will have a birthday without your family. When you're at home your family will probably make a big deal out of your special day. They might buy you cake and take you out to dinner and probably do some special family tradition! But in college, you don't get those traditions, and that can make birthdays one of the moments when people are most susceptible to homesickness. 

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Well, personally, I don't believe anyone should ever be sad on their birthday! That's why people on our floor go all out for birthdays. We make signs, go clubbing, and ALWAYS get them something yummy! My roommate and I bake something special every time there's a birthday. Cake, pie, brownies, cookies... you name it, we've baked it. Of course, we stick unlit candles in our baked goodies (lame fire code...) and gather our floor together to sing happy birthday. It's great! Not only do you get to make someone's day, but you also get to bring your floor together as a family by doing so!

Birthday_blog_largeNow if you're like me, and you have a summer birthday, being at college won't affect the amount of your birthday celebration, but for other students it may. It's important to be aware of what's going on and just to be a good floor mate and a good friend. No one should be sad and lonely on their birthday! So make sure you bring some candles and baking gear to college - you're going to need it!

Mary Mary - I Worship You


"I Worship You"


I was lost 
But you came and found me 
You left your thrown 
Thinking about me 
You bled and died 
To show me mercy 
You gave your all 
Because you saw my need 
I was empty 
But you came and filled me 
I was blinded 
But you helped me to see 
I was broken 
but you made me whole again 
I felt like nothing 
But you gave me confidence 
And I'm filled with so much gratitude 
That words are not enough 
To explain the magnitude the passion of my love 

[Chorus:]
You took everything I was and made me what I am 
And with all I am I worship you [2x]

You were life 
When I was dying 
You were strength 
When I was crying 
You were right 
and I was so wrong 
A melody 
When I had no song 

And I'm filled so much with gratitude 
That words are not enough 
To explain the magnitude the passion of my love 

[Chorus 2x]

[Musical interlude]

[Chorus 2x]
Key change [solo ad lib]
[Chorus 1x]
Key change [solo ad lib]
[Chorus 1x]
Key change [solo ad lib]
[Chorus 1x]
Key change ([duet:] You took the worst of me, and made the best of me, and gave your best to me) 
[Chorus 2x]

I worship you [repeat:]

Tuesday, January 22, 2013


Are credit cards wise

for college students?


If you are heading away to your first year at college, you need to think about whether you want a credit card. There are a number of credit card companies that are going to be making you some tempting offers, but keep in mind that they do not always have your best interests at heart. Credit card debt from college can follow you around for years if you don’t know what you are doing right from the beginning, so take a moment to make sure that you know whether a credit card is right for you.

Pro: Emergency Money
Sometimes, you need to be able to put down two hundred dollars, and you need to do it very quickly. Emergencies do come up, and if your cash flow is not up to it, you might find that you are in a very tricky situation. For example, you might find that you need to fly home for a family emergency or you might find that there is a late tuition charge that you need to pay. A credit card can let you take care of the emergency without need to worry about whether you have enough ready cash on hand to take it.

Con: Encourages Easy Spending
It is hard to avoid temptation when it comes to what looks like easy money. You can tell yourself that you will keep your credit card for emergency situations only, but what happens when you are confronted by a really good deal, or a chance to pick up something that you have always wanted? The temptation to simply grab something up just because you can is pretty high, so be realistic with yourself. If you are someone who is prone to this kind of behavior, you may want to give the credit card a pass.

Pro: Building Up Good Credit
Eighteen is not too young to start building up good credit. Starting a credit card in college and then maintaining it well throughout your school years will put you in a fantastic place when you are ready to do things like purchase a car or buy a house. Even if they are not things that you are sure that you want, it is worth the effort it takes to get a card and to start developing a credit rating. To do this, you need to have a credit card, you need to use it and you need to pay it off regularly. This can ensure that you are ready to do what you want when you graduate.

Con: Poor Rates
Many of the credit cards that are available to college students are poor choices. They offer a long line of credit, but they have very, very high interest rates. On top of that, they are typically very unforgiving when it comes to missing payments, and the penalties can be very high. The thing to remember is that not all credit cards are created equal, and at the end of day, it is essential to choose one that works well for you. Some college students receive a credit card that is an extension of their parents’ cards, which often have better interest rates and more forgiving terms.

If you are someone who is headed off to be college, you probably want as much security as you can. A credit card can make a huge difference to how safe you feel, but remember that you also need to know how to use it wisely.

Mary Mary - Go Get It


"Go Get It"


[Verse 1:]
It's like you're looking through a telescope you see where you gone be
Growing getting better you're not the person they see
Can't be mad at the things you been through cuz they built yo muscle
Now you're stronger than you've ever been they can't stop yo hustle

Yo Faith ain't never small that's what brought you this far
See you got your dreams and you got your prayers and you got Yo God he gone take you there
See everybody has a season and I believe this one's yours
Cuz you been workin, waitin, this what you been prayin for

[Chorus:]
Go get it, Go Get it, Go get it, Go get it, Go get it
Go get yo blessing
Go get it, Go get it, Go get it, Go get it, Go get it, Go get it
It's yo time, it's yo time, it's yo time, it's yo time

[Verse 2:]
You were made to live a good life and that's what I believe
So hit the floor say a prayer start working you got to do something
It's alright to crawl before you walk it's alright to walk before you run
But if you wanna get what you never got gotta do something that you never done

[Repeat Chorus]

[Bridge:]
You've been qualified
But his mercy multiplied
You cannot be denied
Cuz you're finally certified
It's official
Go ahead and testify
He's gone bless you
You gone bless him
Now God be glorified

[Repeat Chorus 2x's]

3 Questions to Ask Yourself

Before Going to Grad School


233976143110325644_e0wks49u_c_largeSo you’ve got your degree, you’re graduated and ready for the world, but somehow all you find yourself doing is sitting in your mom’s basement playing World of Warcraft. What do you do? There is no work to be had, so you start making plans for graduate school so that your parents will  stop breathing down your neck and you don’t have to feel like a washed up failure. But hold your horses. Besides the obvious dangers of such a negative view of yourself there are a few other things that need to be looked at. Before you go off running back to the relative comfort of the familiar surroundings of academia, ask yourself a few important questions.

Will I Be Able to Find Work Afterward?

Lots of fields require at least a master’s before you’re really of any use, but many others don’t have such lofty requirements, and still others are useless if you don’t reach a doctoral level. The biggest question however is whether you need to gather work experience in your field now, or if it’s ok to wait till after your graduate degree. Showing up for a high level position with your graduate degree and no experience is about as bad as showing up to an entry level position heavily overqualified and looking like a threat to your interviewer (or the kind of person who might kick up a fuss about the low salary).

Will Anyone Pay me To Learn?

In an economy as bad as ours is right now it’s pretty important to keep a close eye on your bank account. If you’re like the rest of us you probably went into debt to get your undergrad degree. Staying a student will help keep the interest from kicking in, but that’ll be a small comfort if you end up financing your graduate work with more loans. Unless you’re going into a highly lucrative field like engineering you might find yourself a debt slave for decades to come. If you can get a teaching assistantship or research position to cover your cost of tuition you’ll be in great shape. Make sure that you apply to many different universities in hopes of snagging such an opportunity.

Is It Worth It To Go Further Into Debt?

If you can’t get your schooling financed you have to sit down and decide whether you’re willing to go into more debt in order to get a higher level of education. The question is, can you afford to absorb the debt? Will the job you hope to get pay off the loan in a reasonable amount of time? Referring back to the first question, will you even be able to get that job? If your prospects for a job as well as the salary aren’t greatly improved, compared to the lower level of education, and fully make up for the loss that you incur from the debt, then it’s probably not worth it do it.

Monday, January 21, 2013

Mary Mary - Get Up


"Get Up"


Layin' Low
Rest n' pause
Sleeping long
Slow motion
Gonna do
Shoulda, coulda, woulda done
Excuses

What are you afraid of?
Don't you know what you're made of?
One of God's greatest creations
Take this invitation now

Get Up
'Cause you can't stop
Get Up
Got a lot to do
24 hours
Almost gone
Get Up
Don't sit there
Get Up
If you wanna get there
Clocks don't stop and
Time won't wait

He said
She said
They said
What do you say?
It's your dreams
Your choice
Your time
Your life
So don't you
Don't you
Miss it

What are you afraid of?
Don't you know what you're made of?
One of God's greatest creations
Take this invitation now

Get Up
'Cause you can't stop
Get Up
Got a lot to do
24 hours
Almost gone
Get Up
Don't sit there
Get Up
If you wanna get there
Clocks don't stop and
Time won't wait

Welcome to the rest of your life
From now on, just try
To live more, want more, work a little harder
Dance more, laugh more, be a little smarter
Hug a little longer, love a little stronger
You've been down but now it's time to

Get Up
'Cause you can't stop
Get Up
Got a lot to do
24 hours
Almost gone
Get Up
Don't sit there
Get Up
If you wanna get there
Clocks don't stop and
Time won't wait [2x]

One more time, Say...
Get Up [x9]

Wednesday, January 16, 2013

5 Must-Have Items to Update Your Wardrobe for 2013


New year, new wardrobe. At least, that’s my New Year’s resolution. Every year, once the holidays are good and over, I like to go on a closet reorganization spree, ditching last year’s fast fashions and stocking up on the latest trends.
That’s when my checking account gets really mad at me. There are just too many new styles to try!

If you’re looking to expand your wardrobe without breaking the bank, read on. I’ll be showing you five versatile and budget-friendly items (all under $100 and most under $50, except for one pair of boots) that will make this year your most stylish yet.

1. An Embellished Sweater

These stylish sweaters are anything but simple. This year, it’s all about the details. Whether you’re rocking tiny pearls, glimmering sequins, or edgy studs, these cozy yet glamorous sweaters will help you turn up the heat (in more ways than one). Try one with a pair of your favorite dark skinny jeans and some killer ankle booties and let the compliments come pouring in!


2. Riding Boots

Even if you’ve never set foot near a horse, riding boots are a wardrobe necessity this season. They look fabulous on everyone because they create sleek lines, elongating the leg. Not to mention, they can elevate an average “jeans and a tee” look to polished perfection. Styles range from preppy to boho, to edgy, so there’s a pair out there for everyone. A great pair of riding boots can be pretty pricey, but don’t be afraid to splurge on a classic pair you can keep forever!

3. Emerald Nails

Pantone has declared emerald the color of the year, and I couldn’t love their choice more: This lush green is a total stunner! But don’t worry, I’m not about to go all Wizard of Oz on you. At least, not yet.
Try out the trend in a subtle way by picking up a bottle of emerald nail polish. Deep green tips are a stylish alternative to the same old dark reds, purples and metallics we usually see this time of year, so don’t be afraid to go bold! Whether you prefer matte polishes or glittery accents, you just can’t go wrong with this gorgeous shade.

4. Something (faux) Leather

Every girl needs a little leather in her life. Tough but soft (much like the perfect boyfriend), the right leather piece can take your look to the next level, even if it’s just a simple clutch or a fun cuff. Pair a leather jacket with a lace dress or a soft sweater for some killer contrast, or go full-on wild child by pairing edgy coated leather-look jeans with a cut-off tee and studded flats.

5. Spiked Jewelry

Look sharp (literally) this year in my favorite trend of the moment, spiked jewelry. You don’t have to be a motorcycle aficionado or a Sex Pistols fangirl to adore this trend – after all, a touch of edge can add so much to an otherwise-average outfit. Though it’s easy to pair these pieces with a leather jacket and combat boots and call it a day, they look especially stunning with girly or more classic looks. Lacy top and a no-nonsense blazer with a spiked cuff? Yes, please.

blog info provided by CollegeFashion.net

Saturday, January 12, 2013

HAPPY BIRTHDAY NAYA RIVERA !


Naya Marie Rivera (born January 12, 1987) is an American actress and singer, known for playing Santana Lopez on Fox Broadcasting's musical comedy-drama television series Glee.




Friday, January 11, 2013

K. Michelle - How Many Times


If you were hurt like I was before
Ladies go turn up your radio
Cause I’m gonna sing this one for us yeah
See they complain about our attitude
Talk about the things we do
to me it Seems so obvious
They like it they keep coming back keep coming back
For more

You’re always so quick to up and criticize
I got my flaws and yes I realize
I've become so hard to deal with
'Cause this point of my heart is so tired

[Chorus]
How many times, how many times, how many times
I caught you on the phone with her
How many times, how many times, how many times
Did I take you back and you broke my heart
Oh this song knows how I feel
You betrayed my love
And the moral of the story is
How many times How many times
Our sister our sister Mary real love she used to tell us about this in the 90's
I used to say that'll never be no never never me
But it's 2011 and I feel I can't get any lower
Taking out my anger out on any and everybody that comes around me
I've become so hard to deal with
'Cause this point of my heart is so tired
How many times How many times How many times ooohhh
I caught you on the phone with her

How many times How many times How many times
Did I take you back and you broke my heart
Oh this song knows how I feel
You betrayed my love
And the moral of the story is
How many times How many times How
How many times must I cry and how
many times should my son see my tears (Only 7 years old)
how many of ya'll goin through the same thing
I've become so hard to deal with
'Cause this point of my heart is so tired

[Chorus]
How many times, how many times, how many times
I caught you on the phone with her
How many times, how many times, how many times
Did I take you back and you broke my heart
Oh this song knows how I feel
You betrayed my love
And the moral of the story is
How many times How many times
How many times do I gotta get hurt to know
it ain't never gonna get no better
how many times ladies have you been hurt
and you know in your heart it won't
get no better
you you this one's for you
you you this one's for you

Who Borrows the Most For College?

That's the question that the College Board tried to answer with its latest student debt report.

You might be surprised at some of the conclusions that the College Board made about college debt. For instance, it's not the lowest-income families who borrow the most for college.

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Here's a rundown on who is borrowing for college and who isn't:
  • Seventeen percent of college students who graduated in 2007-08 left school with more than $30,500 in college debt.
  • Students from families earning $100,000 or more are more likely to borrow through private student loans, which are the least desirable type of college loan. It's far better to stick with federal student loans. Shockingly, 70% of the debt from families with incomes of $100,000 or higher is through private loans.
  • Asian students are the most likely to turn to private student loans.
  • Asian students are also the most likely to skip federal student loans entirely and instead borrow through the more expensive private student loans.
  • Two-thirds of students who graduate with a bachelor's degree leave with college debt. And 25% of these students borrowed $30,500 or more.
  • One out of three students who earn a bachelor's degree graduate without any college debt.
  • More than half of students who graduate from low-cost community colleges leave with debt. Ten percent of these students graduated with more than $20,400 in student loans.
  • Students who attend for-profit colleges leave with the most staggering student loan debt. Fifty three percent of students at these schools borrowed $30,500 or more compared to 12% for students who attended state universities.
There is nothing wrong with borrowing for college, but what often catapults students into trouble is borrowing too much. And yet without knowing how much money a graduate will eventually earn is difficult to pinpoint.

Students are far less likely to get into financial trouble with their college debt if they only borrow through federal students loans.

5 Behaviors That Can Get You Fired


Whether you love or hate your job, you probably don't want to put it in jeopardy because of some behavior you weren't consciously aware was a career hazard. And there are a slew of risky behaviors out there -- you don't have to send your boss an angry email to get on his or her radar in a bad way. Here are some behaviors to watch out for:
1Abuse your sick days. Yes, you have an allotment of sick days at your disposal, but if you read HR's fine print, you'll see that they're not just some sort of wildcard vacation days. If you always use every sick day to which you're entitled every year, or have a habit of calling in sick on Mondays, you are flagging yourself as someone who lacks personal integrity and abuses the system.
2. Throw bombs. You've probably heard that it's fine to ask questions, challenge conventional wisdom and say "no." But that doesn't mean it's okay to be confrontational or rude. You can quickly flag yourself as anti-collaborative or difficult to work with if you throw bombs in emails or in face-to-face meetings. Find constructive ways to ask questions and disagree, or you'll be "the guy" no one wants to work with.
3. Undercut your own team. Know the right time to discuss sensitive issues. If you are concerned with your own team's ability to meet a deadline or worried about a decision your boss made, make sure your partners aren't a part of the email thread where you express your reservations. Otherwise, you become the guy that undercuts and undermines your boss and your team in front of partners, and there's no faster way to the bench than that.
4. Evade transparency. Be honest and up front. It's the rare boss who has patience for people who misrepresent reality. In the modern age of email, messaging and metrics, it's difficult to disguise an off-track project for long.
5. Be anonymous. In principle, you might think it's a good idea to keep your head down and do the work you're assigned. But most organizations actively try to grow their next generation of leaders from today's individual contributors. In fact, many companies have an implicit "up or out" policy that requires employees to participate, collaborate, grow and advance. You need to see seen and heard. For starters, see this post on low risk ways to speak up in meetings.
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3 Easy DIY Beauty Recipes to Try


It’s that taxing in-between time of the semester again – spring break is over, papers and projects are coming due, and finals are looming ahead. It’s clear that college students are stressed right now, and with that stress comes the need for relaxation. And what better way to unwind than by pampering yourself and indulging in some me-time?
Of course, as college students, we can’t all afford to shell out for a trip to a high-end spa. So how do you get all the benefits of a spa treatment without the hefty cost? Easy. Raid your kitchen! Here are three of my favorite do-it-yourself beauty treatments that are easy (and fairly cheap) to whip together in your dorm room or apartment.

1. The Olive Oil Hair Treatment

Olive oil isn’t just for cooking — it’s great for your hair, too! Olive oil has been proven to give hair a healthy sheen, help to repair split ends, and reduce frizz.

To give your hair a conditioning treatment, massage about 2 tablespoons of olive oil into your hair and scalp.The amount you’ll use should vary depending on the length and thickness of your hair. And remember to massage it in well – the massaging feels really nice on your scalp, but is also important to the treatment, as massage stimulates helps promote a healthy scalp.
Next, take a warm, damp towel and wrap it around your head and treated hair (“turban” it). Leave it on for about 30-45 minutes. This allows the olive oil to work into your hair to have the full effect.
Finally, rinse out the olive oil with shampoo. This might take a few shampoo-ings (when I tried it, it took 2 rounds.) Give your hair further rest by allowing it to air dry, if you have the time. Then say hello to your luscious locks!

2. The Miracle Mask

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This DIY mask, made of nutmeg, honey, and cinnamon, is calming and soothing for stressed-out skin – in addition, it smells absolutely amazing!


The secret? Nutmeg and honey act as natural anti-inflammatories, which can reduce swelling and redness in skin. They’re also great for soothing acne scars and preventing infection. In addition, the nutmeg and cinnamon also work to exfoliate your skin when you wash this mask off.
Before you begin, it’s always a good idea to do a small test with homemade mixes on your skin to make sure you don’t have a bad reaction to any ingredients. So remember to do a quick patch test on sensitive skin, like that on the inside of your wrist, before applying this mask to your face.
To create the mask, mix 2 tablespoons of honey with a teaspoon of cinnamon and a teaspoon of nutmeg.The consistency should be like a thick paste. After it’s all mixed, apply the mask to your face and let it sit for 30 minutes. Wash it off with warm water, scrubbing softly in circular motion for exfoliation.

3. Brown Sugar Body Scrub

One of my favorite DIY beauty treatments is this brown sugar body scrub, found on The Frugal Style. It’s the perfect way to get rid of dry winter skin, as well as prep your body for any sunless tanner you may be applying.


To create the scrub, just mix together half a cup of coarse brown sugar with a tablespoon of honey, a little olive oil, and 1/4 tablespoon of fresh lemon juice, then apply all over your body and rinse. The scrub not only smells delicious, but leaves your skin feeling ultra-smooth.

Your Thoughts?

What do you think of DIY beauty treatments? Do you have a particular recipe that’s your favorite? What have you tried? Does DIY save you money? Make sure to leave a comment – can’t wait to hear your DIY spa tips!

Wednesday, January 2, 2013

Student Loans: The Best Places to Borrow

Don't get taken when you sign for a college loan. Federal loans are cheaper than ever this year, for both parents and students. But loans directly from banks or other for-profit lenders can trip you up. You might lock yourself into thousands of dollars of unnecessary spending and, potentially, a greater risk of default. Here's where to borrow, with the best options first:

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Federal student loans. They now go directly though the colleges, not through banks. For undergraduates who qualify for a federal subsidy, the fixed rate on new Stafford loans dropped to 4.5 percent for 2010-2011, down from 5.6 percent last year. The government pays the interest while you're in school and for the following six months. Unsubsidized Staffords cost 6.8 percent. Both programs charge a 1 percent fee.

Whether you qualify for government aid depends on your income and assets, as reported on the FAFSA -- the federal Free Application for Federal Student Aid. In general, the subsidy goes to families earning up to about $80,000 a year. If the loan amounts aren't enough to cover your costs, look first to programs offered by the states.

State programs. Seventeen states lend money to students who live or will attend college there. Fixed rates range from 6 to 8.19 percent. Variable rates generally range from 1.78 to 3.8 percent, with Iowa and Maine as expensive outliers. Fees run from zero to 5 percent, with Iowa and New York spiking higher.

Go for Stafford loans first. The interest rates are fixed and you get the best repayment terms. States often require co-signers. The variable loans might have no caps, so you don't know what you'll be paying five or 10 years from now. In some states, repayments start while you're still in school. Nevertheless, state programs offer better terms than you'll get from banks.

PLUS loans. If parents can help, the right choice is a federal PLUS loan. You pay a fixed 7.9 percent (last year, some parents paid 8.5 percent), plus a 4 percent fee.

Parents can borrow the entire remaining cost of higher education, provided that they can pass a credit check. That's gotten harder since the recession began. You're disqualified if, among other things, you've gone through foreclosure or bankruptcy within the past five years or are more than 90 days late on repaying any debt. A parent can rescue the loan, however, by finding a co-signer.

Loans from private lenders. If you've run through all the government possibilities, and are still short of cash, look at the loans offered by private lending institutions. You might think that they all cost about the same but that's not true. Rates vary widely. You can save yourself tens of thousands of dollars by investing a couple of hours in comparison shopping.

Tim Ranzetta can prove it. He's the president of Student Loan Analytics, which rates 14 private lenders based on their program's average cost. Last May, he applied online to six lenders as a co-signer on a nephew's loans. He calls his credit score "average." The offers came in at interest rates ranging from 6 percent, at a credit union, to 12.25 percent (plus a 3 percent fee) at Sallie Mae. (Rates on some loans have dropped since May.)

Tim's brother, who has a high credit score, applied as a co-signer, too. The offers he got ranged from 4.25 percent at SunTrust and Discover to 10.125 percent (plus a 3 percent fee) at Citibank. In both cases, loans from the biggest brand names would have cost the family the most.

The only way to discover the lowest available rate is to apply to several lenders at once. Multiple applications won't hurt your credit report. They'll count as a single inquiry as long as you make them all within 30 days.

Private lenders are searching for ways to make their education loans more appealing. For example, Wells Fargo is offering a new loan not only to parents but to other sponsors, such as grandparents. It has no origination fee. Variable rates range from 4.25 percent to 10.74 percent, depending on your credit standing. Parents with top credit will pay less, at the start, than they would for a PLUS. On the other hand, they could pay much more if interest rates rise over the 10- to 15-year repayment period. The PLUS program also offers better choices to borrowers who become financially pinched and need to stretch the payments out.

Some schools provide short lists of preferred private lenders who supposedly provide the best deals. Compare prices anyway. The lists don't necessarily cover lenders with the lowest costs.

Monica, Brandy - It All Belongs To Me



Loving you is hard
I feel like I'm about to hurt myself
And I don't wanna do it baby

I'm loving you so hard
And the way you act aint been no help
No no no no sugar
(yeah, you got it sweet don't you)

You must be blind
You must be dumb
You must be trippin'
You must be crazy
(you must be out your damn mind)
To think that I'mma let you off that easy

I know you're mad
Can't take no more
But put that back, that ain't yours
Have a fit, slam the door
But leave them bags on the floor
That shit belongs to me

Those clothes, those cars, those rings
Yeah, that macbook, that shit belongs to me
So log off your facebook
It all belongs to me

(turn the lights on)

All you do is talk
Never knew you to do nothing else
You ain't good for nothin' baby

It's like you got no heart
Cold as ice, and nothing can make you melt
No no no baby
Hold on one minute baby

You must be blind
You must be dumb
You must be trippin'
You must be crazy
To think that I'mma let you off that easy

I know you're mad
Can't take no more
But put that back, that ain't yours
Have a fit, slam the door
But leave them bags on the floor
That shit belongs to me

Those clothes, those cars, those rings
And that macbook, that shit belongs to me
So log off your facebook
It all belongs to me

Ain't nothing leaving this house
Unless it's over my dead body baby
So pack up all the things you came with
Cause loving you is just too dangerous

I know you're mad
Can't take no more
But put that back, that ain't yours
Have a fit, slam the door
But leave them bags on the floor
That shit belongs to me

Those clothes, those cars, those rings
And that macbook, that shit belongs to me
So log off your facebook
It all belongs to me, to me
It all belongs to me, to me
It all belongs to me, to me
It all belongs to me