How to Apply Scholarship

Education is an investment. Expensive of expense of education can be overcome with looking for source of fund like from scholarship. To submit the application of scholarship there are some tips which must be known:

* Do your research. Take the time to look for various scholarships and their requirements and deadlines. Ask your friends, guidance counselor, and local community foundation for information on scholarships. Look at scholarship websites like www.fastweb.com. Make sure that you qualify for the scholarship before spending your time filling out the paperwork! Apply only if you are eligible, and check that you are able to complete the requirements before the deadline.

* Start early. Give yourself plenty of time to fill out the application, ask for the necessary letters of recommendation and transcripts, and submit it in on time!

* Follow the directions. Don’t go to all the work if you’re not going to do it right – make sure you print legibly and that you have answered the questions asked. Do not leave information incomplete.

* Review the application. Edit your essay. Read it out loud to yourself. Have a friend or family member look over it for mistakes.

* Be honest and let the application show your true self. Your own stories and thoughts are great because they are your own, and they help your application stand out from the rest! Many applicant reviewers are looking for students who are more than their résumé – they want to help real people who are interested in furthering their education.

* Don’t be afraid to ask for help. Use your resources – ask for help and do your research. You can quickly become a “pro” at filling out applications but it takes practice and patience to do it right. The time and energy will pay off if you receive a scholarship!

* Make a copy of the application for your file. Also, keep a written record of the scholarships for which you have applied.

* Follow deadlines! Late applications are not considered.
Source: scholarshipfiles.com

Tips to Win a Scholarship Application

To win a scholarship application you need a true strategy. The students that win the most scholarships may not have more positive qualities than you, but they use the following strategy to get noticed by the scholarship committees:

Get Prepared:

Get letters of recommendation from teachers or guidance counselor or leaders in your community. Choose these wisely (make copies).

Get a copy of your high school or college transcript (make copies).

Get involved in your community or in school activities or in your church. If your time is limited due to personal circumstances, working to help with family expenses is also an advantage.

Start writing an essay about your goals and what you have done to date to achieve them. Think about what makes you unique.

Get a picture of yourself. A school picture is perfect. Anything smaller than a wallet size head shot, will do.

Buy some clear plastic binders.

The goal here is to have numerous packages made up ahead of time, ready to submit to the various scholarship committees.
The package will include:

* a clear plastic binder and within the package
* the scholarship application ( you will have to insert this later when you have received each individual application)
* followed by an essay that gets you noticed
* followed by your transcript (some scholarships do not require this, but if it’s impressive, send it)
* followed by letters of recommendation and then
* place you picture in the front inside cover(on top of the application) in the lower left hand corner (this is not a requirement, but it helps to put a face to the person, for the scholarship committee deciding who receives the awards)

Get Organized:

Begin researching scholarships that match your criteria. Consider using a scholarship search service, like our service - infoBeasiswa.net

Once you have the scholarships for which you want to apply, keep track of the deadlines.

Create a chart to keep on top of all dates.

The chart should include:

* Scholarship name and phone number
* Date application must be received by scholarship committee
* Date you requested the application
* Date you received the application
* Date application with above package was mailed
* Date you called the Scholarship Agency to verify they received your application package

Get Noticed:

As important as being prepared and organized, it is equally important that you have an essay that gets you noticed.

Even if you feel you master the english language, your essay should be critique by someone who has experience in essay writing.

Ask an English professor to review your essay or consider using an essay editing service.
Source: scholarshipfiles.com

11 PhD fellowships from The Faculty of Pharmaceutical Sciences, University of Copenhagen

The Faculty of Pharmaceutical Sciences, University of Copenhagen is pleased to announce that 11 PhD fellowships will be available from 1 October 2008. Applications are invited for the three-year fellowships from candidates that hold or expect to hold a master´s degree in a field relevant to the following projects:

1. Nanomedicine and biomacromolecular drug delivery: Modulation of nanoparticle-mediated complement activation by protein surface engineering. Main supervisor: Professor S.M. Moghimi, Department of Pharmaceutics and Analytical Chemistry, phone +45 3533 6528 (email: momo@farma.ku.dk).

2. Molecular biopharmaceutics: Drug delivery via protein-coupled amino acid transporters. Main supervisor: Associate Professor Carsten Uhd Nielsen, Department of Pharmaceutics and Analytical Chemistry, phone +45 3533 6472 (email: cun@farma.ku.dk).

3. Drug metabolism - reactive metabolites: Investigations of mitochondrial toxicity induced by drugs and drug metabolites. Main supervisor: Professor Steen Honoré Hansen, Department of Pharmaceutics and Analytical Chemistry, phone +45 3533 6256 (email: shh@farma.ku.dk).

4. Neuropharmacology: The effect of ketone bodies on cellular energy homeostasis and neuronal excitability. Main supervisor: Associate Professor Trine Meldgaard Lund, Department of Pharmacology and Pharmacotherapy, phone +45 3533 6340 (email: tml@farma.ku.dk).

5. Immunopharmacology/pharmaceutical microbiology: Development and characterization of in-vitro models for immunomodulation. Main supervisor: Associate Professor Erik Wind Hansen, Department of Pharmacology and Pharmacotherapy, phone +45 3533 6137 (email: ewh@farma.ku.dk).

6. Pharmacognosy and natural products: Development of new plant derived antibiotics against resistant bacteria and fungi. Main supervisor: Associate Professor Per Mølgaard, Department of Medicinal Chemistry, phone +45 3533 6335 (email: pm@farma.ku.dk).

7. Chemistry of natural products: Statistical spectroscopy and 2D NMR metabolomics in studies of patterns of secondary metabolites. Main supervisor: Professor Jerzy Jaroszewski, Department of Medicinal Chemistry, phone +45 3533 6372 (email: jj@farma.ku.dk).

8. Analytical chemistry/bioinorganic chemistry: Selenium speciation in cancer cells. Main supervisor: Associate Professor Bente Gammelgaard, Department of Pharmaceutics and Analytical Chemistry, phone +45 3533 6415 (email: bg@farma.ku.dk).

The project is co-financed by The Faculty of Pharmaceutical Sciences and The Danish Medical Research Council.

9. Neuropharmacology: GTP cyclohydrolase gen mutations and pain threshold. Main supervisor: Professor Ole J. Bjerrum, Department of Pharmacology and Pharmacotherapy, phone +45 3533 6320 (email: ojb@farma.ku.dk).

The project is co-financed by The Faculty of Pharmaceutical Sciences, The Lundbeck Foundation, and The Danish Medical Research Council.

10. Medicinal chemistry of glutamate receptors: Human excitatory amino acid transporters: Synthesis of novel subtype selective ligands. Main supervisor: Associate Professor Anders A. Jensen, Department of Medicinal Chemistry, phone +45 3533 6491 (email: aaj@farma.ku.dk).

The project is co-financed by The Faculty of Pharmaceutical Sciences and The Lundbeck Foundation.

11. Structural biology: The structural basis of histone demethylases as cancer drug targets. Main supervisor: Professor Michael Gajhede, Department of Medicinal Chemistry, phone +45 3533 6407 (email: mig@farma.ku.dk).

The PhD fellowships are to be completed in accordance with the Ministerial Order on the PhD Programme at the Universities (PhD order) from the Ministry of Science, Technology and Innovation and the Regulations and Guidelines for the Awarding of the PhD Degree by the Faculty of Pharmaceutical Sciences. The terms of employment are stated in the agreement between The Danish Confederation of Professional Associations and the Ministry of Finance.

As an equal opportunity employer, the Faculty of Pharmaceutical Sciences invites applications from all interested candidates regardless of gender, age, ethnic origin or religion.

Applicants are advised to contact the main supervisor.

Further information on the PhD projects and applicant information form can be found on our web site (www.farma.ku.dk/stillinger).

Applications should be marked 08-323-46. Include in six (6) copies: A letter stating the interest and qualifications for this project (max. one page), Applicant information form, CV, copy of Master of Science diploma (including grade transcripts for bachelor´s and master´s degrees), possible references. Applicants with an MSc degree from abroad should also enclose a short description of the grading scale used.

Applications should be sent to:
University of Copenhagen
Faculty of Pharmaceutical Sciences
PhD Administration, att.: Marianne W. Jørgensen
Universitetsparken 2
DK - 2100 Copenhagen
Denmark

Deadline for applications: Monday 18 August 2008 at 12 o´clock noon. Please note that only hardcopy applications are accepted.

We expect an answer as to the granting of the PhD fellowships mid September 2008.

www.offentlige-stillinger.dk

Australia PhD Scholarships for Research in Indonesia

Australia PhD Scholarships for Research in Indonesia on Community, Environment and Local Governance Issues. Expressions of interest are sought for two PhD scholarship positions to carry out field research in Indonesia on community, environment and local governance issues.

The successful candidates will work with a team of experienced researchers - Dr Greg Acciaioli (UWA), A/Prof Anton Lucas and Dr Jim Schiller (Flinders), Dr John McCarthy (ANU), and A/Prof Carol Warren (Murdoch), as well as collaborating researchers in the Netherlands and Indonesia on an Australian Research Council Discovery Project entitled `Social Capital, Natural Resources and Local Governance in Indonesia`. The project will focus on case studies of local decision-making on environmental issues in the context of conservation and development programs in different regions of Indonesia. It aims to improve understanding of contemporary community dynamics in a range of cultural and ecological settings, as well as the practical implications of local participation and capacity building interventions for achieving equity and sustainability outcomes.

The two candidates will be based at Flinders University in Adelaide and Murdoch University in Perth respectively, with location and supervision determined by the focus and site of each student`s component of the project. It is anticipated that one student will work in a coastal community where marine conservation issues are the focus of research, while the second student will focus on a primarily agrarian research site in which World Bank / AusAID / NGO local capacity building, conservation and development projects are being conducted.

Essential criteria include:
* a first-class Honours or Masters degree with a thesis component in a relevant social science field
* advanced fluency in Indonesian language
* field research or other equivalent community/overseas experience
* ability to work independently and as part of a team

Potential applicants should send an initial expression of interest (2 pages) addressing the following points:
a) personal details - name, birth date, citizenship status, address, phone and email
b) academic qualifications - degrees, major areas of study, undergraduate grade point average, honours result
c) title of honours thesis or other significant piece of research, and a brief account of the main argument and approach/methodology adopted
d) level of competence in quantitative and/or qualitative research methods
e) level of proficiency in the Indonesian language
f) study, work or volunteer experience in Indonesia
g) research interests
h) contact information for two referees who can comment on your academic background and suitability for undertaking this research project

Each scholarship is for a three-year period with a stipend of $25,118 per annum (tax free) and up to $10,000 of additional funding for fieldwork in Indonesia. A relocation allowance will be provided where a move to Adelaide or Perth is required to join the project.

A shortlist will be determined by the research team in September, at which point applicants will be requested to submit full formal applications and documentation to either Flinders or Murdoch University. The successful candidates are expected to take up their appointments no later than February 2009.

Please forward initial expressions of interest as outlined above by email to:
Professor Carol Warren,
Asia Research Centre, Murdoch University
c.warren[at]murdoch.edu.au

- Repayment Plans for Federal education loans

There are four main repayment plans for Federal education loans, consisting of Standard Repayment and three alternatives. Each of the alternatives has a lower monthly payment than Standard Repayment, but this extends the term of the loan and increases the total amount of interest repaid over the lifetime of the loan.

Types of Repayment Plans

The repayment plans are as follows:

* Standard Repayment. Under this plan you will pay a fixed monthly amount for a loan term of up to 10 years. Depending on the amount of the loan, the loan term may be shorter than 10 years. There is a $50 minimum monthly payment.

* Extended Repayment. This plan is like standard repayment, but allows a loan term of 12 to 30 years, depending on the total amount borrowed. Stretching out the payments over a longer term reduces the size of each payment, but increases the total amount repaid over the lifetime of the loan.

* Graduated Repayment. Unlike the standard and extended repayment plans, this plan starts off with lower payments, which gradually increase every two years. The loan term is 12 to 30 years, depending on the total amount borrowed. The monthly payment can be no less than 50% and no more than 150% of the monthly payment under the standard repayment plan. The monthly payment must be at least the interest that accrues, and must also be at least $25.

* Income-Contingent Repayment. Payments under the income contingent repayment plan are based on the borrower's income and the total amount of debt. Monthly payments are adjusted each year as the borrower's income changes. The loan term is up to 25 years. At the end of 25 years, any remaining balance on the loan will be discharged. The write-off of the remaining balance at the end of 25 years is taxable under current law. There is a $5 minimum monthly payment. Income Contingent Repayment is available only for Direct Loan borrowers.

* Income-Sensitive Repayment. As an alternative to income contingent repayment, FFELP lenders offer borrowers income-sensitive repayment, which pegs the monthly payments to a percentage of gross monthly income. The loan term is 10 years.

* Income-Based Repayment. The College Cost Reduction and Access Act of 2007 introduced income-based repayment as a more generous alternative to income-sensitive and income-contingent repayment, starting on July 1, 2009. Unlike income-contingent repayment and income-sensitive repayment, it is available in both the Direct Loan and FFELP programs. Income-based repayment is like income contingent repayment, but caps the monthly payments at a lower percentage of a narrower definition of discretionary income.

All six plans are available for student loans, but only the first three plans are available for parent loans.

Source: finaid.org

- Student Loan Network

Student Loan Network is here to help students and parents find the best student loans, including federal student loans, private student loans and student loan consolidation. Be sure to check out our student resources pages for financial aid tips, free downloads and the answers to all your financial aid and student loan related questions. For more information about student loan network, you can visit studentloannetwork.com.

Source: studentloannetwork.com.

- EdFed Private Loan Consolidation

EdFed private loan consolidation means combining your outstanding private education loans into one loan, including private loans used to cover educational expenses such as tuition, housing and/or other educational expenses. This is in addition to already consolidated private educational loans. Consolidating your private educational loans with EdFed allows you to lower your monthly payment significantly by lengthening the term of your loans, while receiving a low variable interest rate. This is possible even if your private educational loans are held by more than one lender or are of different types.

Source and more info: edfed.com

- Private Student Loan Consolidation

Private student loans cannot, in general, be consolidated with federal student loans. The low interest rates on federal consolidation loans are not available to private education loans. Nevertheless, there are several options for refinancing private education loans.

Since most private education loans do not compete on price, a private consolidation loans is merely replacing one or more private education loans with another. So the main benefit of such a consolidation is obtaining a single monthly payment. Also, since the consolidation resets the term of the loan, this may reduce the monthly payment (at a cost, of course, of increasing the total interest paid over the lifetime of the loan).

However, since the interest rates on private student loans are based on your credit score, you may be able to get a lower interest rate through a private consolidation loan if your credit score has improved significantly since you first obtained the loan. For example, if you've graduated and now have a good job and have been building a good credit history, your credit score may have improved. If your credit score has increased by 50-100 points or more, you may be able to get a lower interest rate by consolidating your debt with another lender. You can also try talking to the current holder of your loans, to see if they'll reduce the interest rate on your loans rather than lose your loans to another lender.

Source and more info: finaid.org

- Student Loan Consolidation

It is important to know a student loan consolidation before students apply for the loan in a loan company. A student loan consolidation loan, also known as school loan consolidation, is a refinancing program where you the borrower transform all your student loans into one loan with a fixed rate, one monthly loan payment and one lender!

Consolidation gives you the opportunity to reduce the size of your monthly payment by extending the standard 10-year repayment plan to 15 to 30 years. When combined with low Federally-mandated interest rates, student loan consolidation enables you to pay less per month, improving your cash flow.

Extending the loan for that length of time may actually increase your overall repayment amount over time. However, depending upon the determined fixed interest rate, the amount of loan balances outstanding and the monthly amount you choose to pay, your actual student loan repayment costs may be reduced with consolidation!

More information: studentbenefitservices.com

- Sholarships: Ph.D Scholarship in Computer Science

Ph.D Scholarship in Computer Science

Endeavour International Postgraduate Research Scholarship (EIPRS)

Beasiswa Penelitian Program S2/S3 Pendidikan tahun 2009
__________________________________________

To be eligible to apply for the EIPRS, you must:
1. be an overseas student who is eligible to undertake a higher degree by research candidature within UTS’s areas of research strengths, and

2. be able to commence in full time enrolment for the first time in 2009, unless:
- you commenced your HDR during 2008 but, due to the timing of your applications and subsequent enrolment were not able to apply for the 2008 EIPRS, or

- you have terminated any previous HDR enrolment within six months of commencement
3. not hold a research qualification regarded by UTS as equivalent to an Australian Research Doctorate degree or, if undertaking a Research by Master degree, not hold a research qualification regarded as equivalent to or higher than an Australian Research Master’s degree, and

4. not have held an Australian Agency for International Development (AusAID) scholarship within the two years prior to commencing the EIPRS, and
5. not be receiving a scholarship for which course tuition fee is a component under any scholarship scheme to which the Australian Government makes a substantial contribution.

Eligibility for admission
PhD Degree
Applicants shall:
- hold a Bachelor’s degree with First or Second Class Honours, Division 1 or a Master’s Degree by research of the University of Technology, Sydney; or
- possess an equivalent qualification.
In addition, applicants will be required to provide satisfactory evidence of their ability to undertake advanced research appropriate to their PhD program.

Master’s Degree by Research
Applicants shall:
- hold a Bachelor’s Degree of the University of Technology, Sydney; or
- possess an equivalent qualification; or
- submit such other evidence of general and professional qualifications as will satisfy the Academic Board that the applicant possesses the educational preparation and capacity to pursue graduate studies.

English proficiency
Applicants whose formal education was conducted in a language other than English are required to provide evidence of their English language proficiency. Evidence of English language proficiency must be provided by the closing dates specified in this information.

Selection criteria
Scholarships will be awarded on the basis of academic merit, research capacity and research potential. The applicant’s intended area of study must be in an area of research concentration of the institution.

Scholarship Application Procedure and Requirements
- You must complete the International Student Postgraduate Application [pdf 74.5kb]. Mark the top of the front page of this form EIPRS Applicant.
- You must also complete the 2009 EIPRS application form[pdf, 46.9kb]

Supporting documents essential for your applications (required for International Student Postgraduate and EIPRS application)

- Research proposal detailing your research objectives, example of your key literature in your area of interest and a broad outline of the sequence and timing of the work that you plan to do;
- Evidence of prior research experience, including work for Bachelor’s Honours or Master theses, consultancies or industry-based research;
- The name of your potential supervisors (or supervisors) at UTS with whom you have discussed your research interest or have agreed to supervise your research project
- Reports from 2 referees, preferably from someone who are familiar with your research interest and who can confirm your capacity to carry out research. Use the the Academic Referee’s Report form (pdf 24kb).
- Resume or Curriculum Vitae including:
Details of any academic prizes gained during your tertiary studies
Details of any work experience (paid or unpaid) relevant to your proposed research project
Details of publication in academic or peer reviewed journals, published books or chapters of books
Details of patents achieved or any other output, for example, exhibited works (if applicable)

All supporting documents must be properly certified, these include:
- English proficiency test results
- Copies of degree(s) awarded and full academic transcript(s) showing the subjects studied, the marks obtained and an explanation of the grading system must be provided
- For documents not in English, the original language documents and an official translation must also be certified

Photocopies that are not certified will not be accepted.
Documents certified by a Justice of Peace will not be accepted.

Closing Date
1 September, 2008 at 5.00pm.
All application requirements must be received by the closing date.
- Incomplete applications will not be considered
- Late applications will not be considered
- Faxed applications will not be considered
It is in your interest to apply as early as possible

If you apply early and you are missing any documents you will be notified of this by UTS International and will have still have adequate time to supply the required documents before the deadline of the EIPRS application.
Applications must arrive at the address nominated on the application form by the due time on the due date. Merely posting the application by the due date is not acceptable.

Acknowledgement of receipt of EIPRS applicaton
An email acknowledgement of receipt of your EIPRS application will be sent to you when received by UTS international.

Notification of the outcome
Eligible applicants will receive email notification of the outcome of their EIPRS in late November 2008.

- Endeavour International Postgraduate Research Scholarship (EIPRS)

To be eligible to apply for the EIPRS, you must:
1. be an overseas student who is eligible to undertake a higher degree by research candidature within UTS’s areas of research strengths, and
2. be able to commence in full time enrolment for the first time in 2009, unless:
- you commenced your HDR during 2008 but, due to the timing of your applications and subsequent enrolment were not able to apply for the 2008 EIPRS, or
- you have terminated any previous HDR enrolment within six months of commencement
3. not hold a research qualification regarded by UTS as equivalent to an Australian Research Doctorate degree or, if undertaking a Research by Master degree, not hold a research qualification regarded as equivalent to or higher than an Australian Research Master’s degree, and
4. not have held an Australian Agency for International Development (AusAID) scholarship within the two years prior to commencing the EIPRS, and
5. not be receiving a scholarship for which course tuition fee is a component under any scholarship scheme to which the Australian Government makes a substantial contribution.
More information here.