The best student credit cards can be compared at www.goodstudentcreditcard.com.  Responsible credit card use can lead to a lifetime of low-interest rate loan opportunities.  Notwithstanding their limited credit history and minimal income, good students enrolled in colleges and universities throughout the country are often given the valuable opportunity to receive credit and to start building a credit history.  This is an opportunity that should not be taken lightly, particularly in light of the widening credit crisis which has made it difficult for many working Americans with good credit records to receive new credit cards, auto loans and mortgages.  

Student credit cards issued by Discover, Chase and Capital One are tailored for student applicants.  Some of the features offered by these credit card issuers include:

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•           Cashback Bonuses

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During this period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – students should be given an opportunity to build a credit history.  Responsibility is key.  If you can’t afford to buy it, you should consider saving until you can.  Credit cards are most beneficial when you can afford to pay your balance in full every month.  In these tough economic times, where credit is getting more difficult to come by, it is important to create a strong credit profile by establishing credit early and maintaining a consistent payment history.  Student credit cards issued by Discover, Chase and Capital One are tailored for student applicants. 

Visit www.goodstudentcreditcard.com to apply online in a few short minutes.

http://www.collegecreditbuilder.com/student.htm

There is hot news for the ones aiming for a college career; but could not do it because of economical hazards. Government grants will provide the opportunity. Students can obtain college grants which provide money to compensate for tuition and other expenses during college career. In the economic climate of today, a college degree is worth shooting for and the college grant gives you the right chance if you cannot afford it on your own.

Federal College Grants are offered up to those who are needy. Yet it is different based upon the area of study and level of academic excellence. Deprived scholars who can never aspire of going after academic classes are benefitted by the college grants. These are given on a semester or annual basis. In some instances, the scholarship extended to the pupils is not needed to be returned back like the Pell Grant Program which is a federal college grant. There are some terms to be satisfied before this grant is accredited. Each applier must be a US citizen, have a GED or high school diploma and must be able to win over their need for financial help.

The federal government has evolved a measure to estimate the eligibility of a student to draw the profits of a college grant. The financial condition is looked at. These factors are- properties and income of the pupil if individual, similar data for parents for dependent educatee – family size and number of members of the family entered for post-secondary institutions. These elements being widely various, the amount of grant varies depending on the actual need in personal cases. To get an idea of the scale of college grant, it may be stated that in the 2009-2010 school academic year, the maximum scholarship to be granted is $5,350.

The federal government has evolved a new grant called ACG or Academic Competitiveness Grant in 2006. It is awarded to the primary 2 years of post secondary study. It is awarded to such students who have adopted an difficult work load of studies in their final year at the school. This college grant is of the order of $750 for the first study year and $1,300 for the second year.

Minorities grant is granted to the students in USA. Among the other grants are the Los Padres Foundation, United Negro College fund.etc. College scholarships are also available for women.

1. Introduction         

When there was no university elsewhere in the Europe; Takshasila, Vikramshila, Pallavi, and Nalanda were the centers of Global Education and attracting learners from all around the globe. The development of modern education in India started with the establishment of Hindu College in Calcutta in 1817. During British reign, Calcutta University was the first to confer the bachelor degree on women in 1883.

After independence various universities have been opened both by the government as well as private sector. The main motive behind opening these universities were not to earn profit but to serve the society by imparting higher education and conducting researches related to pure and social sciences. The fees charged from the students were minimum, hence these institutions were generating deficit so there was a need to go for the donations and aids to cover its fixed and running expenses. But gradually there was a drastic change in the scene .The education sector emerges as one of the most profitable business opportunity. The increase in the number of private schools and institutions supports the fact. Higher education is not an exception to this. Gradually most of the corporate entities have also entered into the picture.

2. Corporatisation of Higher Education

Now a days education sector is a trillion dollar industry. It is a service sector industry in the area of education as service with a huge global market in which students, teachers and non- teaching employee constitute resources for profit generation. So the concepts of marketing are also applicable. The organizations have to market their product and themselves in order to survive. In this industry the students are the customers, the teachers are the service providers and the institutions are organizers or marketers and teaching-learning process is no longer for the building of a nation but a business for profit making. Education at all levels, will continue to grow, because it cultivates the human mind and makes people important and useful in the all round development of a country, however for the corporate sector it will grow as a big service industry. Predatory and powerful MNCs are targeting public education, particularly higher education, for profit- making. Though predominantly a government supported service most governments are as consequences of neo-liberal economic reforms, withdrawing from it. The government of India through extensive privatization, commercialization and deregulation is encouraging this process.

3.  Education under GATS umbrella

In 1996, the United States provided exports of education and training services had reached 8.2 billion dollars, and its trade surplus in education amounted to 7 billion dollars. Higher education was the fifth largest service exported by the US. Therefore, the pressure of the United States on WTO member countries in relation to trade in education service is clearly understandable.

The US, the European Union (EU), Japan and Canada are the main powers behind the GATS. Though WTO membership consists of nation states, the transnational corporations of these countries that sit on all the important “advisory” committees and determine detailed policy shape its agenda. While denying access to decent healthcare, education housing and long term care to millions of workers and their families the world over, the agreement will confer ever greater political power on these corporations as they control and dictate public policy.

GATS have two components: (i) the framework agreement containing 29 articles, and (ii) a number of Annexes, Ministerial decisions etc. as well as the schedules of commitments by each member government, which bind them to allow market access, and /or remove existing restrictions to market access. This agreement covers all services, including education 

When the services are entirely provided by the government, they do not fall within the GATS rule. For a service to be out of the purview of the GATS rule it has to be entirely free. However, when the service have been provided either by the government partially or some prices are charged (as happens in education where some fees is charged) , or provided by the private providers , they shall fall under the GATS rule.

The informal WTO classification List (W/120) divides educational services into five parts: (a) Primary education (b) secondary education (c) higher education (d) adult education (e) other education.

The idea behind this is the creation of an open, global marketplace where services like education can be traded to the highest bidder. GATS cover the educational services of all the countries whose educational system are not exclusively provided by the public sector, or those educational systems that have commercial purposes. In India, we cannot get exemption in education from the application of GATS because education at all levels, particularly at higher education level is not entirely free (i.e. some fees has to be paid)

Corporate because of their huge financial resources are able to attract the best talent available in the country and hence they are providing the quality service to their customers (students). They have the access to the new sources of finances .In India also the issuing of shares by the schools and educational institution and its trading in the stock exchange will be a reality. Then the quality of the institute may be judged by looking at the share prices in the stock market and like any other business enterprises the wealth maximization will be the main goal of the institute and their entire effort will be to increase their market share and ultimately to increase the market capitalization. The government is reducing the grants given to the universities and colleges and these institutes are asked to arrange their own sources of finance .In that scenario those educational institution who will not be earning surplus will die like any other seek industrial unit. So it is the high time for those institutes to think for earning surplus and make themselves competitive for survival.

But when these institutions will be running on absolutely business principles for earning profit obviously the fees charged from the students will be higher. The application of some unethical and unfair practices for attracting the students and earning higher profit cannot be overlooked in that scenario.

4. Indian reality

In a country like India where a large section of our population is living below the poverty line, almost 35% of the population is still illiterate and we are talking about removing poverty and illiteracy, in that situation they will be the most mistreated people. So it is the government and its institutions, which will have to look at this aspect. Hence imparting higher education by charging high fees by the government run universities and college will not be desirable and the government has to look at the welfare aspect of its people. But before coming to any conclusion we have to consider the following two ground and hard realities in this respect: -

1.      India being the member country of WTO, must abide by the decisions and regulations of WTO. So it cannot stop the foreign universities and institutes to operate in India, which are having ample financial, physical and intellectual resources and are running on absolutely business principles for earning profit.

2.      The government of India is reducing the grants and aids given to the government universities and colleges and these institutes are called to mobilize resources from their internal sources as well as external sources. They are also asked by the UGC and NAAC to become more competitive.

So it is the time as well as the opportunity for our Government funded institutions/universities/colleges to make themselves competitive and to go for globalization. This can be only possible when they will stand on their own feet by earning surplus and are effectively and efficiently run. But at the same time we have to think for the weaker sections of the society who could not afford a high expenditure on the study.

Therefore it is very high time for educational institutes to build a business model, which will be able to compete with the foreign universities and also the weaker sections of the society will also be taken care of.

5. The model of Arvindo Eye Hospital, Madurai

The Arvindo Eye Hospital of Madurai has set an outstanding business model showing how an organisation can serve the society at large on one hand and can also earn profitable surplus on the other hand. At Arvindo Eye Hospital, economically poor people are provided treatment at free of cost and the patients who can afford are charged the requisite treatment charges. More than two-third of the patients treated in the hospital fall under the former economically unprivileged category and yet he hospital earns substantial profits. But a remarkable policy to be noticed is that the service provided to both categories of rich and poor patients are exactly same and no compromise of any sort is done with regard to the quality of treatment and service provided. The secret behind the success of the hospital is the volume of patients giving business and fact that hospital does not spend money on conspicuous consumptions. Promotion is through word of mouth and mass print media.

Similar model can be adopted by our government run and universities, whereby the required fees can be charged from students whose parents can afford the same, and concessions to be provided to the economically deprived students. With the globalization, liberation, privatization and economic growth more and more people are finding occupations in private sector leading to an increase in the purchasing power at the hands of the middle and upper class of the society who has become conscious of and can afford quality education at higher prices. This is a positive factor which the universities can cash upon and which further supports the above model.

Notes and References

1.      http://www.bc.edu/bc_org/avp/soe/cihe/newsletter/news23/text001.htm

2.      Www.education. nic.in/htmlweb/iperposch.htm

3.      Www.pd.cpim.org/2002/feb17/02172002_wto_educ_2.htm_2000

4.      A Case study on Arbind Eye Hospital, Madurai, IIMB Review, September,2005.

5.      Kumar R; World Trade Organisation, Structure, Functions, Tasks, Challenges, Deep and Deep Publications, 2004.

Educational/School Psychology in the Pursuit of Human Well-Being

 

 

Introduction

 

            Now we are living in the technological modern world. With the help of science and technology we have developed in all fields. India is a developing country. We have lot of human resources after China. But the literacy rate is very low when compared to other developed and developing countries in the world. India is a rich country, but Indians are poor. With the help of science and technology and by utilizing all sources in the proper way it is possible to India to become a developed country in the world. In the modern world people living with high tension. The student in schools and colleges are also living with high tension because of heavy competitions. It is necessary to introduce psychology as a general subject in all the classes both at school and college levels. Yoga and meditation is also necessary for each and every one in the world.

Definition of Education

Ø      Education is the learning of human souls to what is best, and making what is best out of them?

–        John Ruskin

Ø      Education is a weapon, whose effect depends on who holds it is his hands and at whom it is aimed.

                                                                                                    – Joseph Stalin

The word education is derived from the Latin educare, meaning “to raise”, “to bring up”, “to train”, “to rear”. Education means the gradual process of acquiring knowledge. Education is a preparation for life. Education is also defined as the profession of teaching (especially at a school or college or university).

Importance of Education

India is a union comprised of twenty eight states and seven Territories. The Constitution provides directives regarding the development of education throughout the country. The areas in which the respective central and state governments have domain have been identified in the Constitution as the central list, state list and concurrent list. Until the late 1970s, school education had been on the state list, which meant that states had the final say in the management of their respective school systems. However, in 1976, education was transferred to the concurrent list through a constitutional amendment, the objective being to promote meaningful educational partnerships between the central and state governments. Today, the central government establishes broad education policies for school curricula development and management practices. These serve as guidelines for the states.

 

Generally, at the start of a very young age, children learn to develop and use their mental, moral and physical powers, which they acquire through various types of education. Education is commonly referred to as the process of learning and obtaining knowledge at school, in a form of formal education. However, the process of education does not only start when a child first attends school. Education begins at home. One does not only acquire knowledge from a teacher; one can learn and receive knowledge from a parent, family member and even an acquaintance. In almost all societies, attending school and receiving an education is extremely vital and necessary if one wants to achieve success.

Educational Psychology

Educational psychology is the study of how humans learn in educational settings, the effectiveness of educational interventions, the psychology of teaching, and the social psychology of schools as organizations. Although the terms “educational psychology” and “school psychology” are often used interchangeably, researchers and theorists are likely to be identified as educational psychologists, whereas practitioners in schools or school-related settings are identified as school psychologists. Educational psychology is concerned with the processes of educational attainment among the general population and sub-populations such as gifted children and those subject to specific disabilities

            Educational psychology can in part be understood through its relationship with other disciplines. It is informed primarily by psychology, bearing a relationship to that discipline analogous to the relationship between medicine and biology. Educational psychology in turn informs a wide range of specialities within educational studies, including instructional design, educational technology, curriculum development, organizational learning, special education and classroom management. Educational psychology both draws from and contributes to cognitive science and the learning sciences. In universities, departments of educational psychology are usually housed within faculties of education, possibly accounting for the lack of representation of educational psychology content in introductory psychology textbooks.

Uses of Educational Psychology

For finding Individual differences and Disabilities

            Each person has an individual profile of characteristics, abilities and challenges that result from learning and development. These manifest as individual differences in intelligence, creativity, cognitive style, motivation, and the capacity to process information, communicate, and relate to others. The most prevalent disabilities found among school age children are attention-deficit hyperactivity disorder (ADHD), learning disability, dyslexia, and speech disorder. Less common disabilities include mental retardation, hearing impairment, cerebral palsy, epilepsy, and blindness.

Although theories of intelligence have been discussed by philosophers since Plato, intelligence testing is an invention of educational psychology, and is coincident with the development of that discipline. Continuing debates about the nature of intelligence revolve on whether intelligence can be characterized by a single, scalar factor (Spearman’s general intelligence), multiple factors (as in Sternberg’s triarchic theory of intelligence and Gardner’s theory of multiple intelligences), or whether it can be measured at all. In practice, standardized instruments such as the Stanford-Binet IQ test and the WISC are widely used in economically developed countries to identify children in need of individualized educational treatment. Children classified as gifted are often provided with accelerated or enriched programs. Children with identified deficits may be provided with enhanced education in specific skills such as phonological awareness.

 For Social, Moral and Cognitive Developemnt      

To understand the characteristics of learners in childhood, adolescence, adulthood, and old age, educational psychology develops and applies theories of human development. Often cast as stages through which people pass as they mature, developmental theories describe changes in mental abilities (cognition), social roles, moral reasoning, and beliefs about the nature of knowledge.

For example, educational psychologists have researched the instructional applicability of Jean Piaget’s theory of development, according to which children mature through four stages of cognitive capability. Piaget hypothesized that children are not capable of abstract logical thought until they are older than about 11 years, and therefore younger children need to be taught using concrete objects and examples. Researchers have found that transitions, such as from concrete to abstract logical thought, do not occur at the same time in all domains. A child may be able to think abstractly about mathematics, but remain limited to concrete thought when reasoning about human relationships. Perhaps Piaget’s most enduring contribution is his insight that people actively construct their understanding through a self-regulatory process.

Piaget proposed a developmental theory of moral reasoning in which children progress from a naive understanding of morality based on behavior and outcomes to a more advanced understanding based on intentions. Piaget’s views of moral development were elaborated by Kohlberg into a stage theory of moral development. There is evidence that the moral reasoning described in stage theories is not sufficient to account for moral behavior. For example, other factors such as modeling (as described by the social cognitive theory of morality) are required to explain bullying.

Developmental theories are sometimes presented not as shifts between qualitatively different stages, but as gradual increments on separate dimensions. Development of epistemological beliefs (beliefs about knowledge) have been described in terms of gradual changes in people’s belief in: certainty and permanence of knowledge, fixedness of ability, and credibility of authorities such as teachers and experts. People develop more sophisticated beliefs about knowledge as they gain in education and maturity.

Psychology and Teacher

            Teacher is a national builder. He has a power to change the world through education. According to our Indians teacher is a third god. Teacher plays a prominet role in the development of society. Educational Psychology is a main subject in  teacher education at D.Ed., B.Ed., and M.Ed. levels. It is necessary for each and every teacher to know about psychology. Becausse it is necessary to know the behaviour of the students in the class. Teacher has different roles  like father, advisor, councellor, administrator and well wisher. The future of any country is in the hands of teachers. So it is necessary to give importance for teacher education. So our government introduced psychology subject in teacher education curriculum.

After undergoing the course, the student teacher

1)      Explains psychology and its relationship with Education.

2)      Classifies different branches of psychology and explains their significance.

3)      Explains the importance of heredity and environment and its influences in educational process.

4)      Explains the different aspects of the development of the child.

5)      Explains the growth and human beings and their behaviour.

6)      Describes the individual aspects of the development of the child.

7)      Explains the primary needs of the children.

8)      Explains the secondary needs of the children.

9)      Explains the theories of learning and the factors influencing learning.

10)  Explains the concept of socialization.

11)  Explains the different types of learning.

12)  Understands the concept of motivation and the steps to be taken to motivate the children.

13)  Explains attention and its uses.

14)  Develops skill of observation, listening, responding and understanding.

15)  Describes memory, remembering and forgetting and identifies conditions of good memory.

16)  Describes the effects of different methods used for learning process.

17)  Explains thinking process and its uses-perception, conception, apperception for different ages.

18)  Explains the role of creativity and its development.

19)  Explains the meaning of intelligence and understands the changing concept of intelligence.

20)  Enhances personality development of pupils.

21)  Describes the mental hygiene and mental health.

22)  Understands exceptional children and their significance.

23)  Practices guidance and counseling for school pupils.

Conclusion

          Educational psychology is an application of the principles of psychology for effective learning and modification of behaviour on desirable dimensions.  Knowledge of educational psychology makes a teacher effective in motivating the pupils in their learning.  In short it is an inseparable part of strategy in education. Education gives knowledge, wealth and health. Education is a solution for all types of problems in the society. Through education only it is possible overall development of a person in the society. Through education it is easy to know about behavour of the students and persons in the society with the help of psychology. So it is necessary to study psychology all persons in the society in the modern world. Educational Psychology helps the overall development of the student.

References

1. Educational psychology a cognitive view by Asubel, D.P. 

2..Element of educational psychology by Bhatia, H.R. 

3. Psychology applied to teaching by Bichler, R.F. 

4. Educational psychology by Cole, E.C. and Bruce, W.F.

5. http:/ www.google.com

 

 

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