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WCU - Western Carolina University Publications

Western Carolinian Volume 50 Number 04

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Item 1 - Western Carolinian Volume 50 Number 04
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Western Carolinian Volume 50 Number 04

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Item 16 - Western Carolinian Volume 50 Number 04
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Western Carolinian Volume 50 Number 04

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  • NC PLUS LOANS HELP STUDENTS HURT BY FINANCIAL AID CUTS Budget talks at the federal level will lifcely generate budget talks around many family tables regarding proposed cutbacks in guaranteed/insured student loans for college educations. The picture, however may not be as gray for many North Carolina families as now perceived. According to College Foundation Inc. (CFI), a private operating foundation here which centrally administers the guaranteed student loans for North Carolina students, there is one major college loan program that will not be involved in newly-proposed income restrictions on lending. The North Carolina PLUS (N.C.PLUS) Loan Program is not tied in any way to a family's demonstrating financial need. Unlike the guaranteed/insured student loans, N.C. PLUS is available regardless of income level, as long as the borrower can demonstrate the ability to make the required monthly payments on the PLUS Loans. The borrower must be a U.S. citizen, resident of North Carolina, and the parent of a dependent, undergraduate student who is a U.S. citizen, N.C. resident and who is accepted for enrollment or enrolled and maintaining satisfactory academic progress in an eligible college or vocational school (in state or out of state) for at least a half-time academic load during the loan period. Independent undergraduate students and graduate students also are eligible for PLUS Loans. Under this program, loans may total up to $3,000 per school Bronze Like Me 11 By Gray Erlacher Features Editor year tor each qualifying student, for a total of $15,000 per student. Marv Bland Josey, communications specialist with CFI, points out that the advantages ofthe N.C. PLUS Loan are low monthly payments over a long repayment period, leverage with "cash flow" while the student is enrolled in college, and the opportunity to accelerate payments at any time without penalty. The interest rate is 12%, based on daily unpaid balance, with an insurance fee of l%deducted from the loan proceeds. Unlike the guaranteed/insured student loan for which repayment is delayed until after enrollment ends, repayment on a PLUS Loan begins within 45 days of the date the loan is issued; but the monthly payment may be as low as $50 per month, depending on the amount and number of loans. The maximum repayment period is 10 years. For example, a $6,000 loan is being repaid over 10 years The interest rate is 12%, based on daily unpaid balance, with an insurance fee of 1% deducted from the loan proceeds. Unlike the guaranteed/insured student loan for which repayment is delayed until after enrollment ends, repayment on a PLUS Loan begins within 45 days of the date the loan is issued; but the monthly payment may be as low as $50 per month, depending on the amount and number of loans. The maximum repayment period is 10 years. For example, a $6,000 loan being repaid over 10 years will require a monthly payment of $87. Applications for the PLUS Loan may be obtained from college financial aid officers or directly from College Foundation Inc., 1307 Glenwood Ave., Raleigh, NC 27605. If the proposed cap on income for other student financial aid becomes part of the 1986-87 federal budget, CFI expects N.C. PLUS Loans to figure more prominently in the financial planning of most families with college-age children. The proposed limits would restrict need-based assistance for education to lower income families, excluding even those middle income families who are educating several children at once. College Foundation Inc. is the central lender in North Carolina for financial institutions, educational institutions and other organizations as investors in the Insured Student Loan Program and the PLUS Loan Program. CFI also administers the North Carolina Student Incentive Grant Program, as well as student financial assistance programs for the James E. and Mary Z. Bryan Foundation, the Smith Richardson Foundation, the Broyhill Foundation and the Byrum-Mansfield Memorial Student Loan Fund. With tiny grasshoppers stuck to their Coppertone, local sunbathers can only imagine a cooling surf and Seabreeze as a distraction from the motionless molten air of a Cullowhee afternoon. The brain- cooking heat fails to deter the dedicated tanners intheirquestfor the perfect tan. From ghostly white to lobster red to burnt umber, the sun pilgrim falls masochisticly to the ground in April, in hopes that Earth's nearest star will fry his or her skin to a luxurious brown by mid-June. And with the advent of indoor tanning, the ritual, once annual, can now last all year. Tanning is your skin's response to ultraviolet radiation, whether it comes from the sun or the salon. The skin protects you from UV damage by generating a brown skin pigment, called melanin, which darkens the skin and yields the tan. Tanning booths are a $300 million a year industry. Interestingly, most of these salons are in the sunny states. Modern booths use 95% to $100% UVA light. The FDA only requires operators to use protective goggles, although they have frowned on tanning booths for several years. The safest place to be may not be in a tanning booth, but the effects are comparble to normal sunlight. There is a much lower percentage of UVB light than in sunlight, but the source is much closer and therefore more intense. Keep in mind that if you do not tan well in the sun, you will not tan well in a salon. Certain medications can be dangerous to use with indoor tanning lights, so be sure to ask. Many antibiotics, antihistimines, acne medications, birth control pills, and even some perfumescan make you photosensitive and cause a toxic reaction. Be careful if you have cold sores or a dormant viral condition like herpes which could be triggered. And itiswiseto protect those areas that have never gotten sun before. A final thought on tanning: Before bikinis and swimming pools, the optimum Caucasian female was a little pudgy in the middle and fair-skinned. Atanwas the stigmata of the working class, a tag that showed you worked outside all day. But along came industrialization and the working people get pale on the assembly line. Eventually, having a tan became a symbol of wealth, virility, and leisure. Having a tan in January used to mean you had been on vacation, but today it might mean you have been at your neighborhood tanning salon. Before you make long distance commitment, make sure you know what you're getting into. If Fletcher Christian and Captain Bligh had known what being stuck in the same boat would mean, chances are neither would have set foot aboard. And if you're stuck in the same boat with a long distance company that doesn't give you all the services you need, its easy to harbor mutinous thoughts. But when you pick AT&T as your long distance company, you know you're in for smooth sailing. You'll get trouble-free, reliable service. Immediate connections—even during the busiest hours. Guaranteed 60% and 40% discounts off our Day Rate on state-to-state calls. And operators to assist you with immediate credit for wrong numbers and collect calling. So when you're asked to choose a long distance company, sign aboard with AT&T. With AT&T Long Distance Service, you'll never be left stranded. Reach out and touch someone." FIVE MILE RUN Coca-Cola, McDonald's, and Tuckaseigee Running Club will sponsor the 10th Annual Mountain Heritage Day Five Mile Run on Saturday, September 28 at 9:00 AM. Entry fee is $6 if received before September 23rd, and $7 after. Registration the day of the race begins at 7:30 AM or you can obtain an application at the University Center, Cullowhee Quick Stop, Meatballs, or David's of Sylva. T-shirts will be given to the first 200 entrants and hand crafted awards to the first three in age groups. Afreeone mile fun run will follow the race. © 1985 AT&T Communications AT&T The right choice.
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Western Carolina University Publications

The Western Carolinian is Western Carolina University’s student-run newspaper. The paper was published as the Cullowhee Yodel from 1924 to 1931 before changing its name to The Western Carolin...

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