6 Ways to Pay for Private School

6 Ways to Pay for Private School Attending a boarding school isnt cheap, we all know that. And today, many tuitions can cost a family as much as $70,000 a year (now multiply that by four years). Most private schools seem to be topping out around $45,000 to $55,000 a year, but some go well above that amount. Day school tuition typically runs about half that cost, or even less, depending on where you live. Even the primary grades cost a fortune these days. Paying for a private school education requires tremendous sacrifice for most parents. So how do you do it? How do you manage to pay for private school  tuition over the course of your childs education? Here are six ways you can manage those large tuition bills. Earn Cash Back on Tuition Payments Most schools expect payment of fees in two installments: one due in the summer, typically by July 1, and the other due in the late fall, typically by the end of November of the current academic year. Other schools may do their billing by semester or term though, so it varies. But, a little tip that not many families know is that schools will permit payment with a credit card. Simply make your tuition payment twice a year on a credit card with a rewards program, like a cash back card or one that will earn miles,  and then make your regularly scheduled monthly payments on the card. Lump Sum Discounts Schools always hate chasing down families who are late on their bills, which can have some negative results. But if you work with the school and pay your bill upfront, its often met with a discount. If youre able to pay your tuition bill in full by July 1, the school may offer you a  five to ten percent discount on the overall amount. Discount plus earning cash back with credit card payments? That sounds like a deal to me.   Tuition Payment Plans Not everyone can make lump sum payments and use a credit card to do so. For those families, there are still plenty of options. Most schools participate in tuition payment plans which are offered by outside providers, if not the school itself. The way these plans work is that you pay one-tenth of the expenses each month to the payment plan provider, which in turn pays the school on an agreed basis. It can be a real boon to your cash flow by allowing the payments to be spread equally over a number of months. The schools like the fact that they dont have to manage your billing. Its a win-win.   Financial Aid and Scholarships Almost every school offers some form of financial aid. You have to file an application for aid with the school and also file a standardized form, such as the Parents Financial Statement. The amount of aid which you can reasonably expect depends to a great extent on the size of the schools endowment, how much the school really wants to recruit your child, and how the school allots its scholarships. Several schools now offer a virtually free education if your family income is below $60,000 to $75,000 annually. So, if you need financial aid, see what the various schools on your short list can offer. Finally, be sure to ask around in your community. Many civic and religious groups provide scholarships. Loans Just like in college, loans are an option to pay for private school, though these are usually in the parents names, while college loans are often in the students names. Families have the ability to borrow against their assets to pay for private school education. There are also some specialized educational loan programs available, and your private school might offer or contract with a loan program, as well. It is always a good idea to consult your tax adviser and financial planner before making a major financial decision such as this. Company Benefits Many major corporations will pay for tuition and related educational expenses for dependent children of expatriate employees. So if you are posted to Belgium tomorrow, the main issue you will face is getting your children into the local international school. Fortunately for you, the tuition expenses will be paid for you by your company. Ask your Human Resources department for details. Edited by  Stacy Jagodowski

The Boldness Of Courage Essays - Salem Witch Trials, The Crucible

The Boldness Of Courage Essays - Salem Witch Trials, The Crucible The Boldness of Courage ?You?re the Devil?s man!? (118), Mary Warren cried out when she accused John Proctor of working for the devil. Courage is defined as mental or moral strength to face danger without fear. This is supported in Arthur Miller?s The Crucible. Throughout the Salem witch trials in the 1600?s, courage was that good people held in to, even through the toughest times. To illustrate this, an example of someone with courage is John Proctor. Proctor is a farmer with a wife, Elizabeth, and three young boys. He quietly suffers from guilt caused by an affair he had with a young woman named Abigail Williams. He is contrite and solicitous in his wife?s presence, and he yearns to regain her respect. John shows his courage when he has to make a life and death decision to lie and say that he is involved in witchcraft, which will prevent his execution, or to deny being a witch and be hanged. Proctor, after being questioned by Judge Danforth about being involved in witchcraft, stated that he was. Danforth was then having Proctor sign a confession, but he argued with Danforth saying, ? I have confessed myself! Is there no good penitence but it be in public? God does not need my name nailed upon the church! God sees my name; God knows how black my sins are!? (142). When Danforth would not give up the argument with Proctor to sign the confession, he asked, ?Then explain to me, Mr. Proctor, why will you not let me have it? ? (143), Proctor answered, ? Because it is my name... Because I lie and sign myself to lies!... I have given you my soul; leave me my name!? (143). Danforth then explained to Proctor, if the confession was a lie, he would not accept it. Proctor, with his breast heaving and his eyes staring, he tore the confession and crumpled it up, while he wept in fury. Danforth then ordered for him to be hung ? high over the town ? (143). John Proctor showed courage for his friends and family and by doing it, helped put an end to the unfair courts of Salem. Another good example of with a good deal of courage is Giles Corey. Giles is a 83-year old landowner who is sturdy, mettlesome, and fiercely independent. He?s unenlightened and pig-headed, but at the same time, warm-hearted and undaunted. He reveals himself to be a great man of awesome courage and will when he would not answer ?aye or nay to his indictment? (135). When Elizabeth Proctor was telling her husband, John, about it, she explained, ? great stones they lay upon his chest until he plead aye or nay. They say he give them two words. ? More weight?, he says. And died. ? (135). Giles Corey?s wife, Martha, and all of his friends, had already been convicted of witchcraft, so he had probably decided that he had nothing to live for. Giles humbly protested the one-sided courts by sacrificing himself as an example to his friends to stay strong and to not give up in what they believed is wrong. John Proctor could have easily used Giles Corey as an example, because Proctor learned of Giles? death before he had to make his decision of confessing or being executed. The next courageous person in The Crucible is Reverend John Hale. Reverend Hale is the church authority on demonology. He is summoned to Salem to find out if Reverend Parris? daughter Betty, who is suffering from an unexplained illness, has been hexed by witchcraft. Reverend Hale is proud of his scholarly expertise, and is glad to come to Salem to give his professional input on the situation. He displayed acts of courage when he got extremely frustrated about how unjust and ridiculous Danforth and the trials were, so he stood up and yelled, ? I denounce these proceedings, I quit this court! ? (120). Reverend Hale then comes back later to help those convicted by trying to persuade them to confess and live, rather than be hanged. By doing this, Reverend Hale shows great moral courage. He gives up everything he has worked for in his demonology career by going against the court, and trying to persuade innocent people to confess because he feels horribly responsible for bringing the hysteria to Salem. Reverend Hale is one of