Utilities – Popular Guides #internet #and #tv #deals #for #students


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Utilities and Phones

How this site works

We think it’s important you understand the strengths and limitations of the site. We’re a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can’t guarantee to be perfect, so do note you use the information at your own risk and we can’t accept liability if things go wrong.

  • This info does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances and remember we focus on rates not service.
  • Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.
  • We don’t as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it’s rarely made public until it’s too late (see the Section 75 guide for protection tips).
  • We often link to other websites, but we can’t be responsible for their content.
  • Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code .

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Harvard Summer Programs for High School Students #credit #cards #for #highschool #students


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Summer Programs for High School Students

Summer Programs for High School Students

Are you a high school student age 15 to 18? Then consider spending your summer at Harvard, where you can explore a variety of college-level courses, and live and learn alongside a diverse set of peers.

Our summer programs for high school students are designed to prepare you for that all-important next step—both academically and socially—paving the way for a successful college experience.

Here, you will expand your worldview, meet new people from all over the globe, test-drive potential majors, gain valuable knowledge and skills, and explore Boston—one of America’s most vibrant and historic cities—amid a community of supportive peers and advisors.

Two options to choose from:

Pre-College Program

A two-week residential experience featuring noncredit courses

Join other intellectually curious high school students on campus at Harvard, where you can explore topics as wide ranging as American law, philosophy, public speaking, the sciences, and writing. The program features:

  • A choice of over 100 noncredit courses designed to give pre-college students a preview of college academics.
  • On-campus housing with fellow pre-college students and residential staff.
  • Structured days, with weekday class meetings and pre-college activities.

During your two weeks at Harvard, you attend class for three hours a day and participate in college readiness workshops or team-building events. In the evenings, you eat in the dining hall, finish homework in your room, and attend social activities.

You leave the pre-college summer program more capable of thinking critically and communicating confidently—skills that will lead to success at school, in college, and in your career.

Applications for the Pre-College Program are now closed.

Secondary School Program

College courses for credit in a seven-week session

This is your test-drive of college. At Harvard, you are fully immersed in college life—balancing time between classes, homework, and extracurricular activities. The program features:

  • College courses (over 200 to choose from), which you attend alongside current college students, other high school students, and professionals from around the world.
  • Credit you can transfer to a college in the future.
  • The choice to live on campus, commute, or study online.
  • The freedom to schedule your days.

You may choose to enroll in one or two courses. Outside the classroom, you can attend workshops, take trips to nearby colleges, and unwind through activities like intramural sports and musical pursuits. You find a healthy balance of organized events and free time, allowing you the independence you will find in college.

Applications for the Secondary School Program are now closed.


Degree Programs #university, #pittsburgh, #pitt, #college, #learning, #research, #students, #undergraduate, #graduate


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Degree Programs

Undergraduate BSN Program

Our Undergraduate BSN Program combines the latest in clinical theory with traditional nursing values that emphasize holistic patient care.

Accelerated 2nd Degree BSN

The Accelerated 2nd Degree BSN track is designed to enable students with a previous baccalaureate degree to earn a Bachelor of Science in Nursing (BSN) Degree in three consecutive terms.

RN Options-Early Admission to MSN or DNP

The RN Options – Early Admission to MSN or DNP curriculum is designed for registered nurses who graduated from an ACEN (NLN), ACICS, or CCNE accredited diploma or associate degree program to earn a Bachelor of Science in Nursing (BSN) with early admission to the MSN (Master of Science in Nursing) or BSN-DNP (Doctor of Nursing Practice).

Master of Science in Nursing (MSN)

Ranked 8th by U.S. News World Report among graduate nursing programs in 2018, our Master of Science (MSN) program will prepare you to keep pace with the changing demands of health care systems and the nursing profession. To help you to reach your career goals, we offer a major that will prepare you to be a Neonatal Nurse Practitioner as well as two Nurse Specialty Role concentrations that will lead to satisfying careers as a Clinical Nurse Leader or in Nursing Informatics.

Doctor of Nursing Practice (DNP)

The Doctor of Nursing Practice (DNP) program prepares nursing leaders for the highest levels of clinical nursing practice. Here at Pitt Nursing, you can enter most of our DNP majors after earning your BSN or MSN. We offer majors carefully designed to meet the needs of both health care systems and patient populations: Clinical Nurse Specialist , Health Systems Executive Leadership. Nurse-Midwife. Nurse Anesthesia. and Nurse Practitioner (six concentrations!).

Doctor of Philosophy (PhD)

The Doctor of Philosophy (PhD) program prepares nurse scholars who will discover and extend scientific knowledge that advances the science and practice of nursing and contributes to other disciplines.

Certificates and Minors

The School of Nursing offers Certificate and Minor options. These opportunities allow you to broaden your educational preparation and increase your marketability.

Check here to find out the deadlines for applying to any of Pitt Nursing’s degree programs.

Out-of-state online students now pay in-state tuition rates.
Academics Brochure


INSEAD GEMBA Scholarships for International Students, 2017 Scholarship Positions 2017 2018 #insead #gemba #scholarships #for #international #students, #2017


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INSEAD GEMBA Scholarships for International Students, 2017

INSEAD is offering scholarships for pursuing Global Executive MBA programme. International students are eligible to apply.

The INSEAD GEMBA programme as any INSEAD learning experience is aimed at a wide range of executives from many different countries, industries, academic and business backgrounds.

INSEAD is a graduate business school with campuses in Europe, Asia, and the Middle East. INSEAD is originally an acronym for the French Institut Européen d Administration des Affaires or European Institute of Business Administration.

Course Level: Scholarships are available for pursuing Global Executive MBA programme.

Study Subject: Scholarships are awarded in the field of business.

Scholarship Award: Students can apply for up to two scholarships, but do note that the total amount of financial aid received by a participant generally does not exceed 25% of tuition. Scholarships will be awarded by a Committee composed of INSEAD GEMBA faculty and admission staff. Awards will be deducted from the last instalment of tuition fees, and no appeal process is offered.

Scholarship can be taken at INSEAD Campus

INSEAD GEMBA Scholarships for Excellence – Specific Deadlines: This scholarship will be awarded to candidates who demonstrate outstanding professional and personal achievements and who promise that they will contribute to class discussions on the programme.

Abu Dhabi Executive Fellowship – Open to Middle East Section applicants only: Abu Dhabi Executive Fellowships will be awarded based on merit to candidates whose background, work experience and personal profiles will bring unique diversity to INSEAD.

INSEAD GEMBA Scholarship for Women – Open to female applicants only: The INSEAD GEMBA seeks motivated women in businesses who demonstrate significant achievements in their professional lives.

INSEAD Professional Women’s Network Fellowship – Open to all Applicants (Female and Male): All INSEAD EMBA applicants (male or female) are eligible to apply for the INSEAD PWN Global Fellowship. They must have a valid and fully paid PWN Association membership at the time of application, regardless of the chapter.

INSEAD GEMBA Scholarship for National Diversity: This scholarship will be awarded to candidates who commit to contributing to their own country. Preference will be given to those coming from emerging and developing countries. The committee will look for specific examples of contributions that have an impact.

INSEAD GEMBA Scholarship for Entrepreneurship: The INSEAD GEMBA seeks to identify individuals with proven entrepreneurial record and commitment to entrepreneurship. Entrepreneurial potential will be assessed, and preference will be given to candidates who demonstrate financial need.

INSEAD GEMBA Scholarship for Non-Traditional Backgrounds: This scholarship aims to encourage and help those from atypical backgrounds attend the INSEAD GEMBA Programme. We seek motivated leaders working in public service, NGOs, not-for-profit and educational institutions, scientists, journalists, medical practitioners, military officers, architects, etc.

INSEAD REACHING OUT MBA (ROMBA) LGBT Fellowship: Their goal is to provide opportunities for all, including those from the lesbian, gay, bisexual and transgender (LGBT) communities. We are proud to offer an INSEAD Reaching Out MBA LGBT Fellowship to encourage and help LGBT students and allies to attend the INSEAD GEMBA programme.

INSEAD GEMBA Financial Fellowship: The INSEAD GEMBA Financial Fellowships will be granted to participants of any nationality who demonstrate significant difficulty in raising sufficient finances for the INSEAD GEMBA Programme and may be limited in accessing loans. Participants must be self-funded and demonstrate proven financial need.

Nationality: International students are eligible to apply.

College Admission Requirement

Entrance Requirement: INSEAD is looking for applicants who can demonstrate their potential as leaders. We will consider your professional experience and past performance when assessing your application. Participants in our current class have an average of 13 years work experience, and at least three years in a management role in charge of teams and/or projects.

  • GMAT: GMAT reporting code (through Pearson Vue) is INSEAD: DL3-S8-89 MBA, Full Time. INSEAD does not have a minimum required GMAT score. Rather than focusing on the overall score, they assess individual results in the quantitative and verbal sections of the exam. They need a student to demonstrate their strengths in both. In order to be competitive, the student should aim to achieve a score at or above the 70 – 75 percentiles in both the quantitative and verbal sections.
  • GRE: INSEAD accepts GRE scores. The ETS code to report the score to INSEAD is 0970 and the score is valid for five years. In order to be competitive, the applicant should aim to achieve a score at or above the 80th percentiles in both the quantitative and verbal sections.

English Language Requirement: Candidates from emerging/developing countries can apply. Applicants from outside the home country will often need to meet specific English language/other language requirements in order to be able to study there.

How to Apply:
Step 1:
Download the financial profile form, fill it in and save it under your name. Your financial profile will serve as a background for all applications if you apply for more than one scholarship.
Step 2: Please read through the list of available scholarships below.
Step 3: Download your selected scholarship application (maximum two), write your essay and save it under your name.
Step 4: Please email your financial profile form together with your scholarship application(s) to EMBA.ScholarshipCommittee-at-insead.edu

To apply to the INSEAD GEMBA programme, students must submit an online application form and the necessary supporting documentation. After submission, you will be emailed a confirmation of receipt and notification of any missing elements. Once your application is completed, INSEAD aims to notify you of the next steps within 5 business days. INSEAD has one Admissions team responsible for processing all EMBA applications. Please recognise delays may happen due to time zone differences and public holidays. The online application comprises:

  • Select INSEAD EMBA Assessment or GMAT
  • Profile Information
  • Job Description and Motivational Essays
  • Letters of Recommendation
  • Official Academic Transcripts
  • English Language Certification
  • CV
  • Photograph

Application Deadline: Students can submit their application(s) up to one week prior to the start of the programme (with the exception of Excellence and ADEC scholarships that have their own set of deadlines). The application deadline for INSEAD GEMBA Scholarships for Excellence is
Asia section: May 15, 2017
Middle East section: August 16, 2017
Europe section: September 5, 2017

Change lives of international students by helping them achieving successful scholarships, financial aid and free education.

About Us

Scholarship-Positions.com was started in 2007 by Oxford University graduates for helping international students in finding suitable scholarships to study abroad.

We have helped thousands of students in securing scholarships and financial aid in the world’s top universities.

Our objective is to help international students in finding matching scholarships – just in time

Internships


Illinois AG alleges fraud at Navient, country – s largest student loan company #navient,navient #fraud,navient #loans,navient #lawsuit,sallie #mae,sallie #mae #bank,sallie #mae #lawsuit,lisa #madigan,education,student #loans,college #students,us #world,illinois,i #team,chicago,united #states,illinois


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Illinois AG alleges fraud at Navient, country s largest student loan company

Wednesday, January 18, 2017

Illinois Attorney General Lisa Madigan is alleging the country’s largest student lender of “widespread abuses” and “loans designed to fail.” The attorney general’s office is alleging Navient and Sallie Mae had no business handing out risky, high interest loans to students who didn’t have the means to pay them back

“Navient and Sallie Mae engaged in aggressive sub-prime lending,” Madigan said. “It’s clear that Sallie Mae and Navient have failed millions of our country’s student borrowers.”

Madigan announced the lawsuit Wednesday against the nation’s largest loan company Navient, Sallie May, its predecessor and two subsidiaries for abuses in its student lending, loan servicing and debt collection businesses. Madigan said tens of thousands of Illinois students were negatively affected and now are on the hook for those questionable loans.

“We have an unprecedented level of student loan debt in our country which has negatively impacted the economy. In spite of encouraging borrowers to call Navient for help when they were struggling to pay their student loans, Navient repeatedly failed to tell those borrowers about affordable repayment plan that were available to them,” Madigan said.

MORE: Student loan help hotline 1-800-455-2456

Madigan said Navient and Sallie Mae Bank failed to perform their core duties. When students defaulted on their loans, Madigan alleges Navient and its companies engaged in deceptive collection practices.

The lawsuit alleges Sallie Mae worked hand-in-hand with many for-profit schools to get those loans. The ABC 7 I-Team first uncovered allegations of for-profit college students being misled in 2015.

“Navient saddled students with expensive and risky subprime loans that they designed to fail. Sallie Mae’s unfair and deceptive sub-prime loans carried very high interest rates and fees and not surprisingly were given to students at the worst schools, poorly accredited for-profits,” Madigan said.

Navient said in a statement about the AG’s lawsuit and a similar federal lawsuit filed by the Consumer Financial Protection Bureau: “The allegations. are unfounded, and the timing of these lawsuits-midnight action filed on the eve of a new administration-reflects their political motivations. We will vigorously defend against these false allegations and continue to help our customers achieve financial success.”

The lawsuit seeks restitution to all Illinois Navient borrowers affected by the company’s alleged practices. The lawsuit wants the company to cancel or change contracts.

The Illinois attorney general has set up a student loan help hotline at 1-800-455-2456 .

FULL STATEMENT FROM NAVIENT
The allegations of the Illinois Attorney General and Consumer Financial Protection Bureau are unfounded, and the timing of these lawsuits-midnight action filed on the eve of a new administration-reflects their political motivations. Navient welcomes clear and well-designed guidelines that all parties can follow, and we had hoped our extensive engagement with the regulators would achieve this objective. Instead, the suits improperly seek to impose penalties on Navient based on new servicing standards applied retroactively and applied only against one servicer. The regulator-asserted standards are inconsistent with Department of Education regulations, and will harm student loan borrowers, including through higher defaults.

Navient has a well-established, superior track-record of helping student loan borrowers succeed in repayment.

49 percent of loan balances serviced by Navient for the federal government are enrolled in income-driven repayment plans. Assertions that we do not educate borrowers about IDR plans ignore the facts.

Navient is a leader in advancing policy recommendations to streamline enrollment and reenrollment in income-driven plans-reforms which we believe would make a meaningful difference for millions of Americans with student loans.

Federal borrowers serviced by Navient are 31 percent less likely to default than their peers at other servicers. Private loan delinquencies and defaults are at among historic lows.

In 2009, Navient pioneered the first private education loan modification program. The program was designed to help customers stay current on their loans and, unlike federal program solutions, make progress on repaying their principal balance. Today, more than $2 billion in loan balances are enrolled in these programs.

Navient has a responsibility to its customers, shareholders, and employees to defend itself-publicly and in court-against this unsubstantiated, unjustified and politically driven action. We cannot and will not accept agenda-driven ultimatums designed to get headlines rather than help for student borrowers. We will vigorously defend against these false allegations and continue to help our customers achieve financial success.

Navient has posted additional information at navient.com/facts.

FULL STATEMENT FROM SALLIE MAE
Today the Consumer Financial Protection Bureau filed a complaint in federal court in Pennsylvania against Navient Corporation, along with its subsidiaries, Navient Solutions, Inc. and Pioneer Credit Recovery, Inc. The complaint alleges these Navient entities, among other things, engaged in deceptive practices with respect to its historic servicing and debt collection practices. Neither SLM Corporation,

Sallie Mae Bank, nor any of their current subsidiaries are named in, or otherwise a party to, the lawsuit and are not alleged to have engaged in any wrongdoing.

Additionally, a press release issued today by Illinois Attorney General Lisa Madigan announced the filing of a separate lawsuit against Navient Corporation – its subsidiaries Navient Solutions, Inc. Pioneer Credit Recovery, Inc. and General Revenue Corporation – and Sallie Mae Bank arising out of a multi-state investigation of various lending, servicing, and collection practices. As SLM Corporation has consistently disclosed in its periodic reports, Navient has accepted responsibility for all costs, expenses, losses and remediation arising from this matter.

On April 30, 2014, SLM Corporation and Navient Corporation separated into two, independent companies. Since that time, SLM Corporation’s business consists of providing high-quality private education loans and saving products.


Which engineering employers offer summer internships or industrial placements? #internships #for #electronics #engineering #students


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Which engineering employers offer summer internships or industrial placements?

Relevant work experience isn’t essential for getting a graduate engineering job – however, it certainly helps. TARGETjobs Engineering’s Student Survey found that finding a placement was a major worry for undergraduate engineers, so we’ve put together a quick guide to opportunities offered by leading UK engineering employers. You’ll find both summer internship and industrial placement options.

Engineering internships for summer vacations

Numerous employers offer engineering summer placements. Some are open to any student, while others are limited to those who have just finished their penultimate year. Here are a number to consider – though this isn’t an exhaustive list.

  • Amec Foster Wheeler: offers summer internships lasting up to ten weeks to students in their penultimate year.
  • Atkins: summer placements, typically between eight and ten weeks long, are available for students at any stage in their degree.
  • Babcock International Group: offers 10-to-12 week summer placements.
  • BAE Systems: offers a 12-week summer internship scheme.
  • Balfour Beatty: has summer placement schemes lasting between 8 and 12 weeks.
  • Bechtel: runs a 10-week infrastructure summer internship for students at any stage in their degree.
  • BOC: offers summer internships of up to ten weeks for second- or third-year students.
  • BP: runs a summer internship for students in their penultimate year of undergraduate or postgraduate study (students in their final year of undergraduate study who are going on to do a masters can also apply).
  • Cummins: runs a 10-12-week summer placement programme.
  • Dialog Semiconductor: offers summer internships that last between four weeks and three months.
  • DSTL: runs summer placements of 8 to 12 weeks.
  • EDF Energy: offers 12-week summer internships.
  • E.ON: offers ten-week summer placements.
  • ExxonMobil: offers summer placements lasting eight weeks.
  • FirstGroup: offers summer internships lasting 8 to 12 weeks to students in their first year of a three-year degree or second year of a four-year degree.
  • GlaxoSmithKline: runs summer placements of 8 to 12 weeks for students in their penultimate year at university.
  • Imagination Technologies: offers summer placements for penultimate-year students.
  • Jaguar Land Rover: offers a three-month summer internship for penultimate-year students.
  • Leonardo: offers summer placements.
  • Lloyd’s Register: offers summer internships to students who are about to enter their final or penultimate year of university.
  • Mars: has a 12-week summer internship.
  • MBDA UK: runs a 10-12-week summer placement programme for students who have completed a minimum of one year of their degree.
  • Mott MacDonald: offers eight-week summer internships.
  • National Grid: a number of 12-week summer internships are available to penultimate-year students.
  • Nissan Motor Manufacturing UK: runs a 10-week summer placement programme.
  • Rolls-Royce: runs summer internships lasting ten weeks.
  • RWE npower: offers summer internships lasting six to ten weeks.
  • Shell: runs an assessed internship programme for penultimate-year students.
  • Siemens: offers summer internships to first- and second-year undergraduates.
  • Skanska UK: offers an eight-week summer placement.
  • Tata Steel: offers three-month placements.
  • Thales: runs a three-month internship for students at any stage of their degree.
  • Transport for London: offers 10-week summer placements for penultimate-year students.
  • Unilever: has a 12-week summer placement in research and development.

Engineering industrial placements

Engineering industrial placements tend to last for 12 months, although in some cases they can be shorter. Some are restricted to penultimate-year students, while others are more flexible. Here’s a number to consider – though again, there are plenty of others.

  • Airbus: placements of 6 to 12 months are available to undergraduates.
  • Amec Foster Wheeler: offers placements lasting 12 months to students in their third year of a four-year sandwich course or those taking a year out.
  • Arcadis: offers a year in industry programme.
  • Atkins: industrial placements between 8 and 12 months long are available for students who require a year in industry as part of a sandwich course.
  • Babcock International Group: offers 6-month and 12-month placements to students who require a year in industry as part of their degree.
  • BAE Systems: 12-month industrial placements are available.
  • Balfour Beatty: offers an annual internship scheme that lasts between 6 and 12 months.
  • Bosch: runs a 12-month placement but 6-month internships can be possible.
  • Caterpillar: offers 12-month industrial placements for pre-final-year undergraduates.
  • Cummins: runs a 12-month industrial placement scheme for undergraduates.
  • Dialog Semiconductor: offers several one-year industrial placements.
  • DSTL: runs one-year industrial placements.
  • EDF Energy: offers 12-month industrial placements.
  • E.ON: offers one-year industrial placements.
  • ExxonMobil: has industrial placements lasting 12 months.
  • Ford Motor Company: offers 12-month placements. NB these are called ‘business placements’ but cover all functions, including product development.
  • GE: offers a 12-month internship to penultimate- and final-year students.
  • GlaxoSmithKline: offers 12-month industrial placements to fit in with sandwich degrees.
  • Imagination Technologies: offers a year in industry for students in their penultimate year at university.
  • Jaguar Land Rover: offers 12-month industrial placements, as well as 6-month ‘summer placements’.
  • L-3 TRLTechnology: runs 12-month industrial placements.
  • Leonardo: offers industrial placements.
  • Mace: offers 12-month industrial placements to second-year students looking for a year in industry as part of a sandwich course.
  • Mars: has industrial placements lasting 12 months.
  • MBDA UK: runs one-year industrial placements for students who have completed a minimum of two years of their degree course.
  • Mott MacDonald: has 12-month industrial placements.
  • National Grid: provides 12-month placements for penultimate-year students.
  • National Instruments: runs a 12-month internship on its engineering leadership programme.
  • Network Rail: offers a year in industry placement scheme.
  • Nissan Motor Manufacturing UK offers a one-year industrial placement.
  • Rolls-Royce: provides internships of 6 to 12 months.
  • Siemens: offers one-year industrial placements to first- and second-year undergraduates.
  • Skanska UK: runs a one-year internship.
  • Tata Steel: offers 12-month placements.
  • Thales: runs a 12-month internship for students at any stage of their degree.
  • Toyota Motor Manufacturing (UK) Ltd: runs an 11-month industrial placement scheme.
  • UK Power Networks: offers engineering powering placements to students looking for a year in industry between their second and third year of university.
  • Unilever: has a 12-month industrial placement in research and development for penultimate-year students.

Getting an engineering job without work experience

Employers’ views differ as to how important it is for graduate scheme applicants to have engineering work experience. A number point out that, while they value it, they are very happy to consider graduates who can demonstrate the required competences by drawing on other areas of their lives. These might include extra-curricular activities, voluntary work, part-time jobs or work experience outside engineering.


Car insurance for college students #rent #a #car #cheap


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By Mark Vallet

Choosing the best car insurance for college students depends on a lot of factors. For example, who owns the car, where the student lives and how often he or she drives all come into play. As a college student, your insurance needs will vary dramatically depending on your exact situation. In some cases, college students should have their own car insurance coverage, but in other instances it makes more sense to be listed as a driver on the parents’ policy.

How to buy car insurance coverage for college students

Student Policy

Student who lives at home and drives own car

“If the college student has the title to the car, he should have his own policy and his parents should remove him from theirs,” says Penny Gusner, consumer analyst for Insure.com.

Depending on the driving record of the student and the type of car he owns, this can be an expensive option for parents, but misleading your insurer can be a mistake. “Parents shouldn’t fib and say the car is theirs because that could lead to problems if there is a claim,” warns Gusner.

If you drive your parents’ car occasionally, their insurance should cover your, just as it would if a friend borrowed the car.

Student who lives at home and drives parents’ car

If you are driving your parents’ car on a regular basis and living with them, you need to be on their policy.

This is a fairly expensive option. A teenaged driver can double or even triple a parent’s car insurance premium. But if you fail to be added to your folks’ policy and get in an accident, the insurer could possibly deny the claim.

Student who doesn’t live at home, is at college in-state, drives his or her own car

If you don’t live at home and have your own car, you should have your own insurance policy.

Student who doesn’t live at home, goes to college in-state, drives parents’ car

If you are taking your parents’ car to school, you should stay on your folks’ insurance policy, even if the car is not being garaged at their house. “Since it is a temporary situation, most insurers will allow your parents to keep their insurance on the car while you are away at college,” says Gusner.

Student who goes to school out of state, drives own car and returns for holidays and summer

As long as the car is titled in your name, you should have you own policy, but using your parents’ insurance company may save some money.

“Some companies offer a discount if the student buys a policy from the same company as his or her parents,” says Gusner.

You should let the auto insurance company know about your plan to use the car in different locations because insurance requirements vary by state.

“You may need to change the garaging ZIP,” advises Kristofer Kirchen, of Advanced Insurance Managers, in St. Petersberg, Florida. “If the school is in a safer (or more dangerous) neighborhood it could affect your premium.”

Student who goes to college out of state, drives parents’ car and returns for holidays and summer

You should stay on your parents’ policy year-round, but tell your insurer where the car is being garaged.

Since the school is in another state, check state laws about registration and insurance. If you need to register and insure the car out of state, your parents may need to add your name to the title.

The new location may change your premium. Many factors go into calculating a car insurance rate, but the driver’s location is typically used to kick off the process. ZIP codes are organized into different risk categories by insurance companies based on the number and severity of claims within the area. From there, car insurance companies create the base rate used as the starting point for drivers seeking coverage, and then go on to review other factors such as the driver’s age, driving record and type of car.

This method, called “territorial rating,” can result in significant rate changes from ZIP code to ZIP code and even within a city due to differences in accident and theft claims. CarInsurance.com’s ZIP code tool shows average car insurance rates for nearly every city and town in the country, so you know what to expect if when you move to a new location.

If your rate increases due to a move, it may be tempting to keep your insurer in the dark, but this is not a good strategy. If you don’t let the car insurance company know about the location change, you run the risk of a denied insurance claim should you get in an accident.

Student who goes to college out of state, only comes home a couple of weeks a year and drives parents’ car

Most insurers would require you to be listed on your parents’ policy as a driver as you are still considered a household resident, according to Blackmon. But it doesn’t hurt to ask.

“If you are truly not coming back home for breaks, your parents can ask if they can drop you from the policy while you’re away, some insurers allow this,” says Gusner. “The downside to this is if you borrow a friend’s car while at college, you won’t have your parent’s car insurance as backup (secondary coverage) if there is an accident.”

Student who goes to college 100 miles from home, doesn’t have a car, returns for holidays and summer and drives parents’ car

While your parents should leave you on their policy so you are covered for holidays and summer, they should get a discount while you are away at school.

“If a college kid is at school at least 100 miles away, parents should absolutely ask for a discount. The discount can vary from zero to as much as 20 percent,” says Ben Blackmon, a personal lines underwriter who has worked in the insurance industry for 18 years.

There are usually conditions for this discount. “Liberty Mutual offers a Student Away at School discount for students in this situation,” explains Jesse Heller with Liberty Mutual Insurance. “For this discount, the student would need to be unmarried and younger than 26.”

Student who has own car, but will leave car at home when attending an out-of-state school

If the car is titled in your name, you should have your own insurance policy — it may even be required.

“Most insurers would require the student to purchase his or her own insurance as the parents would not have any insurable interest in the vehicle,” warns Blackmon.

On the other hand, if the car is co-registered, the vehicle could be put on your parents’ policy. When you are back at school, your parents may qualify for a discount as long as your college is at least 100 miles away.

Car insurance discounts for college students

Regardless of which scenario you fall under, good grades should help keep the premium more affordable.

“Young drivers may be eligible for a good student discount. which is available for students under the age of 25 who achieve at least a B average,” says Heller.

The savings can be substantial. “Typically, good student discounts range from 5 percent up to 15 percent” says Gusner.

Check with an expert to see what options are available to you. “Don’t be afraid to call your insurer or agent to discuss your changing situation, it’s very possible they will find a way to lower your premium,” advises Gusner.

Even after college, there are discounts for students according to Heller, “Liberty Mutual provides additional discounts to recent college graduates who are just starting out. These discounts include new graduate, multi-policy and affinity discounts.”

Finally, consider shopping your coverage. Insurers rate risk differently which can result in dramatic swings in price. Gusner recommends shopping your policy anytime your situation changes. Insurers also have different programs in place and while one may offer a discount for an out of state student, another might not.


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Affordable Car Insurance Options for College Students

Updated: October 2015

It is possible to get a good auto insurance plan if you’re a college student. You just have to know how to look and what to look for. Far beyond simply signing up for the plan that is the cheapest, you may find and make the most out of specific discounts that you may not have even known about until now. Not only is it important to get car insurance at the right price, but it’s also a good idea to find the right plan to meet your needs. Here are some tips for college students shopping for auto insurance:

How Much Driving Will You be Doing?

Whether you’re going away to college or commuting, you may want to either increase your coverage or decrease it. If you’re leaving your car parked at Mom and Dad’s while you live on campus, you may be able to save them a few extra dollars. According to the Insurance Information Institute. if your college is at least 100 miles away from home, your parents may qualify for the resident student discount. This discount could lower their car insurance bill by as much as 30 percent per month.

On the other hand, going to college may cause you to reconsider your coverage choices. If your daily commute is going to get longer, now may be the best time to revisit your coverage limits to make sure that you’re well-insured in case of an accident.

Check Out Campus Security Ahead of Time

It’s always a good idea to research local crime statistics before taking up temporary residence. This gives you a good idea of what to expect, as well as how to prepare for life in your new surroundings. If you’re going away to college and bringing your car to a location with a higher crime rate, talk to an auto insurance agent about protection that covers you in the event of theft. It may also be a good time to purchase an anti-theft device for your car. Doing so may not only cut back on the likelihood of your stuff being stolen, but it might also land you a discount.

Nevertheless, you don’t have to attend college far away to revisit your need for better safety and increased insurance coverage. Always research the area where your car will spend most of its time and adjust your coverage accordingly.


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How to Save Money on Car Insurance for

College Students and Other College Expenses

Going away to college is an exciting time. Whether it’s your first year or you’re an experienced upperclassman, meeting new people, testing your knowledge and learning to live on your own – possibly for the first time – are all part of the college experience.

Another part of the experience of living on your own is learning how to manage your finances. Whether your parents are helping you financially, or you are independent, finding ways to save money is a rite of passage for college students. 21st Century Insurance is here to help with some recommendations for how you can save money on car insurance for college students and other expensive college costs.

Affordable Car Insurance for College Students from 21st Century

At 21st, we know car insurance can be one of the most expensive bills a college student has to pay. We aim to lighten that burden, with the good student discount. If you have grades of a “B” or better, and are under the age of 25, 21st may be able to offer you a discount on your car insurance.*

If you’re going away to college and not taking your car, it’s important to check with your insurance company if you’re eligible for a credit or discount. This could save you even more money on your insurance bill, freeing up cash to spend on things like books or new posters for your dorm room.

Avoid new textbooks

One easy way to save big is to buy your textbooks used. Most likely, you aren’t keeping the book after the end of the semester and will sell it back. Unfortunately, you won’t be able to buy used books for every course, as newer edition books are often required. Buying used when you can, however, can save you a significant amount of money.

Learn How to Cook

If you’re not on a meal plan at college, going out to eat or ordering take-out can be pretty tempting. Late night cramming sessions, or fun nights out with friends, can lead to big dinner bills that can start to add up.

To save money, you might want to think about picking up some ingredients at your local grocery store and cooking your own food. It doesn’t have to be boring and easy food either. Instead, look online for recipes or ask your friends what they like to eat. Have them chip in, and cook a meal for a large group. Not only will cooking save you money, it’s also a great skill you can use for years to come.

Do Your Own Laundry

Moving away from home can be a jarring experience for some, with doing your own laundry top of the list of worries. Sometimes, it’s easy just to drop off your clothes at the Laundromat, and ask someone there to do them for you. You may even have the option of having someone pick up your laundry at your dorm door, do it for you, and deliver it back to your room.

All of this might sound great, but it may not seem so convenient when you have a bill to pay for it all at the end of the month. Instead of having someone else do your laundry, do it yourself. To make sure you feel like you aren’t wasting your time, take along some school work you will feel comfortable doing in a noisy space. Whether it’s a little bit of reading or some notes to review, it will make you feel like you’re being more efficient, while you’re saving money.

If you’re looking to get the same great insurance coverage for less, get a free online car insurance quote from 21st Century and see how much you could be saving today.

*The good student discount may not be available in all states.

All About Auto Insurance

Saving Money on Auto Insurance

Getting the Most from your Auto Insurance

Expert Tips for Drivers Everywhere


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Five Ways to Get Cheap Car Insurance for Students

What you can do to lower the cost of student car insurance

Students are among the most expensive drivers to insure.  Inexperience, fatigue and busy schedules all can lead to fender-benders or worse.  That’s why an auto insurance policy that balances coverage and cost is so important.

The least expensive option for many student drives is to stay on their parents’ policies. This may be a good choice for college students who may not keep a car on campus, but might borrow a friend’s from time to time and drive during the semester breaks.  Remember, if you’re behind the wheel, you need to be insured.

For those who need their own policy, there are several ways to lower the costs and get cheaper car insurance for students:

1. Get good grades

Studies show that students with a higher grade point average are involved in fewer accidents. Students who earn a B average or better at school may qualify for up to a 15% discount on car insurance. It’s a smart way to achieve cheap car insurance for students.

2. Take a defensive driving class

Motor vehicle crashes are the leading cause of death for U.S. teens, accounting for more than one in three deaths in this age group. To fight this trend, Nationwide offers a discount to drivers who successfully complete an approved motor vehicle accident prevention course. Just a little more studying may save you money – and make you a smarter driver.

3. Protect your car…and yourself

You may save additional dollars by installing an anti-theft device in the vehicle. Savings vary based on the device installed and the state where the vehicle is garaged. And when you insure a vehicle with full front-seat airbags or restraint devices that work automatically when your door closes, you may qualify for yet another discount.

4. Raise your deductible

You may get cheaper car insurance for students by making simple changes to the policy. A higher deductible on the vehicle may lower your rate – but if you have an accident, you may have to pay more out-of-pocket expenses.

5. Consider a used car

If you’re purchasing a car, visit the used car lot. And it’s good to know that reliable family sedans, versus SUVs and sports cars (especially convertibles), are usually less expensive to insure.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.