#education loans

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Secure your future with Education Loans for Students! Whether for local studies or Education Loans for Abroad Studies, we provide flexible, affordable financing to help you achieve your dreams. Start your educational journey worry-free with us today!

Learn More:- https://www.24x7loanservice.in/loansoverview.php

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Congress-JMM Govt Increased Wages, Launched Schemes for Women: Dr. Ajoy Kumar

Minimum wages hiked, women to receive ₹1,000 per month under Maiyan Samman Yojana The Congress-JMM alliance government in Jharkhand has launched several welfare schemes to uplift women, laborers, farmers, and youth, according to Dr. Ajoy Kumar. JAMSHEDPUR – Dr. Ajoy Kumar, former MP and senior Congress leader, announced that the Jharkhand India alliance government has launched several welfare…

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[educationloanscheme]

Education Loan Scheme

Education is the cornerstone of personal and societal development, providing individuals with the knowledge and skills needed to navigate an ever-evolving world. Recognizing the pivotal role education plays, governments and financial institutions around the globe have introduced Education Loan Schemes to make higher education accessible to a broader spectrum of students.

Education Loan Schemes are financial tools designed to support aspiring students in pursuing their academic goals. These schemes aim to bridge the gap between the cost of education and an individual's financial means. One of the key advantages of these loans is that they enable students to focus on their studies without the immediate burden of hefty tuition fees and related expenses.

One notable feature of Education Loan Schemes is their flexibility. These loans typically cover a range of academic disciplines, allowing students to pursue courses in fields as diverse as engineering, medicine, business, and the arts. Additionally, the repayment terms are often designed to be student-friendly, taking into account the post-graduation phase when individuals are establishing their careers.

Interest rates on education loans are generally lower compared to other types of loans, and some schemes offer special provisions such as a moratorium period, allowing students time to find employment before commencing repayments. This not only eases the financial burden on students but also promotes a smoother transition from academia to the professional realm.

Education Loan Schemes not only benefit individual students but also contribute to the overall development of society. By empowering more individuals to access higher education, these schemes foster a skilled and knowledgeable workforce, which, in turn, fuels innovation, economic growth, and societal progress.

In conclusion, Education Loan Schemes are catalysts for realizing dreams and ambitions. They embody the collective commitment to making quality education a reality for a wider audience, ensuring that financial constraints do not hinder the pursuit of knowledge and the fulfillment of aspirations. As we continue to invest in education, we sow the seeds for a brighter, more empowered future.

[politijohn]

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Education Loans :

Education loans are a very useful tool with which you can shape your dreams of higher education.

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What Happens If a Student Faces Difficulty in Repaying The Education Loan

What Happens If a Student Faces Difficulty in Repaying The Education Loan   Education is a transformative journey that empowers individuals with knowledge, skills, and opportunities for personal and professional growth. However, for many students, financing higher education can be a substantial challenge. To bridge this gap, education loans serve as a lifeline, enabling students 

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Education Loan: A list of Banks offering The lowest Interest Rates

Education loans are your key to academic success and a brighter future. Achieve your goals without financial worries. Invest in knowledge and let your potential soar. Embrace opportunities today with an education loan by your side! Here is a list of banks that offer education loans at low-interest rates: https://www.opennaukri.com/education-loan-a-list-of-banks-offering-the-lowest-interest-rates/ 

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Funding Your Canadian Dream: A Guide to Education Loans:- Education is the key to unlocking a world of opportunities, and pursuing studies in Canada can be a great experience. As we know Canada has one of the top universities in the world. However, getting higher education in Canada can be challenging and difficult for many students due to living costs and many other costs.

[onderwysloan]

Which Bank Gives Education Loans for Abroad Studies Without Collateral?

Studying abroad can be a dream come true for many students. However, the cost of education can be a major barrier for many students. That’s where education loans come in. In this blog, we’ll explore which banks offer education loans for studying abroad without the need for collateral.

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Nigerian students to have access to interest-free loans for higher education

Nigerian students in higher institutions of learning will be able to gain more access to financial assistance after a ‘Students Loan Bill’ was cleared by both houses of Nigeria’s Parliament. The bill is titled, “A Bill for an act to provide for easy access to higher education for Nigerians through Interest-free Loans from the Nigerian Education Bank.” Courtesy image The bill, sponsored by House…

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MIT libraries are thriving without Elsevier

I'm coming to BURNING MAN! On TUESDAY (Aug 27) at 1PM, I'm giving a talk called "DISENSHITTIFY OR DIE!" at PALENQUE NORTE (7&E). On WEDNESDAY (Aug 28) at NOON, I'm doing a "Talking Caterpillar" Q&A at LIMINAL LABS (830&C).

Once you learn about the "collective action problem," you start seeing it everywhere. Democrats – including elected officials – all wanted Biden to step down, but none of them wanted to be the first one to take a firm stand, so for months, his campaign limped on: a collective action problem.

Patent trolls use bullshit patents to shake down small businesses, demanding "license fees" that are high, but much lower than the cost of challenging the patent and getting it revoked. Collectively, it would be much cheaper for all the victims to band together and hire a fancy law firm to invalidate the patent, but individually, it makes sense for them all to pay. A collective action problem:

https://locusmag.com/2013/11/cory-doctorow-collective-action/

Musicians get royally screwed by Spotify. Collectively, it would make sense for all of them to boycott the platform, which would bring it to its knees and either make it pay more or put it out of business. Individually, any musician who pulls out of Spotify disappears from the horizon of most music fans, so they all hang in – a collective action problem:

https://pluralistic.net/2024/06/21/off-the-menu/#universally-loathed

Same goes for the businesses that get fucked out of 30% of their app revenues by Apple and Google's mobile business. Without all those apps, Apple and Google wouldn't have a business, but any single app that pulls out commits commercial suicide, so they all hang in there, paying a 30% vig:

https://pluralistic.net/2024/08/15/private-law/#thirty-percent-vig

That's also the case with Amazon sellers, who get rooked for 45-51 cents out of every dollar in platform junk fees, and whose prize for succeeding despite this is to have their product cloned by Amazon, which underprices them because it doesn't have to pay a 51% rake on every sale. Without third-party sellers there'd be no Amazon, but it's impossible to get millions of sellers to all pull out at once, so the Bezos crime family scoops up half of the ecommerce economy in bullshit fees:

https://pluralistic.net/2023/11/06/attention-rents/#consumer-welfare-queens

This is why one definition of "corruption" is a system with "concentrated gains and diffuse losses." The company that dumps toxic waste in your water supply reaps all the profits of externalizing its waste disposal costs. The people it poisons each bear a fraction of the cost of being poisoned. The environmental criminal has a fat warchest of ill-gotten gains to use to bribe officials and pay fancy lawyers to defend it in court. Its victims are each struggling with the health effects of the crimes, and even without that, they can't possibly match the polluter's resources. Eventually, the polluter spends enough money to convince the Supreme Court to overturn "Chevron deference" and makes it effectively impossible to win the right to clean water and air (or a planet that's not on fire):

https://www.cfr.org/expert-brief/us-supreme-courts-chevron-deference-ruling-will-disrupt-climate-policy

Any time you encounter a shitty, outrageous racket that's stable over long timescales, chances are you're looking at a collective action problem. Certainly, that's the underlying pathology that preserves the scholarly publishing scam, which is one of the most grotesque, wasteful, disgusting frauds in our modern world (and that's saying something, because the field is crowded with many contenders).

Here's how the scholarly publishing scam works: academics do original scholarly research, funded by a mix of private grants, public funding, funding from their universities and other institutions, and private funds. These academics write up their funding and send it to a scholarly journal, usually one that's owned by a small number of firms that formed a scholarly publishing cartel by buying all the smaller publishers in a string of anticompetitive acquisitions. Then, other scholars review the submission, for free. More unpaid scholars do the work of editing the paper. The paper's author is sent a non-negotiable contract that requires them to permanently assign their copyright to the journal, again, for free. Finally, the paper is published, and the institution that paid the researcher to do the original research has to pay again – sometimes tens of thousands of dollars per year! – for the journal in which it appears.

The academic publishing cartel insists that the millions it extracts from academic institutions and the billions it reaps in profit are all in service to serving as neutral, rigorous gatekeepers who ensure that only the best scholarship makes it into print. This is flatly untrue. The "editorial process" the academic publishers take credit for is virtually nonexistent: almost everything they publish is virtually unchanged from the final submission format. They're not even typesetting the paper:

https://link.springer.com/article/10.1007/s00799-018-0234-1

The vetting process for peer-review is a joke. Literally: an Australian academic managed to get his dog appointed to the editorial boards of seven journals:

https://www.atlasobscura.com/articles/olivia-doll-predatory-journals

Far from guarding scientific publishing from scams and nonsense, the major journal publishers have stood up entire divisions devoted to pay-to-publish junk science. Elsevier – the largest scholarly publisher – operated a business unit that offered to publish fake journals full of unreveiwed "advertorial" papers written by pharma companies, packaged to look like a real journal:

https://web.archive.org/web/20090504075453/http://blog.bioethics.net/2009/05/merck-makes-phony-peerreview-journal/

Naturally, academics and their institutions hate this system. Not only is it purely parasitic on their labor, it also serves as a massive brake on scholarly progress, by excluding independent researchers, academics at small institutions, and scholars living in the global south from accessing the work of their peers. The publishers enforce this exclusion without mercy or proportion. Take Diego Gomez, a Colombian Masters candidate who faced eight years in prison for accessing a single paywalled academic paper:

https://www.eff.org/deeplinks/2014/07/colombian-student-faces-prison-charges-sharing-academic-article-online

And of course, there's Aaron Swartz, the young activist and Harvard-affiliated computer scientist who was hounded to death after he accessed – but did not publish – papers from MIT's JSTOR library. Aaron had permission to access these papers, but JSTOR, MIT, and the prosecutors Stephen Heymann and Carmen Ortiz argued that because he used a small computer program to access the papers (rather than clicking on each link by hand) he had committed 13 felonies. They threatened him with more than 30 years in prison, and drew out the proceedings until Aaron was out of funds. Aaron hanged himself in 2013:

https://en.wikipedia.org/wiki/Aaron_Swartz

Academics know all this terrible stuff is going on, but they are trapped in a collective action problem. For an academic to advance in their field, they have to publish, and they have to get their work cited. Academics all try to publish in the big prestige journals – which also come with the highest price-tag for their institutions – because those are the journals other academics read, which means that getting published is top journal increases the likelihood that another academic will find and cite your work.

If academics could all agree to prioritize other journals for reading, then they could also prioritize other journals for submissions. If they could all prioritize other journals for submissions, they could all prioritize other journals for reading. Instead, they all hold one another hostage, through a wicked collective action problem that holds back science, starves their institutions of funding, and puts their colleagues at risk of imprisonment.

Despite this structural barrier, academics have fought tirelessly to escape the event horizon of scholarly publishing's monopoly black hole. They avidly supported "open access" publishers (most notably PLoS), and while these publishers carved out pockets for free-to-access, high quality work, the scholarly publishing cartel struck back with package deals that bundled their predatory "open access" journals in with their traditional journals. Academics had to pay twice for these journals: first, their institutions paid for the package that included them, then the scholars had to pay open access submission fees meant to cover the costs of editing, formatting, etc – all that stuff that basically doesn't exist.

Academics started putting "preprints" of their work on the web, and for a while, it looked like the big preprint archive sites could mount a credible challenge to the scholarly publishing cartel. So the cartel members bought the preprint sites, as when Elsevier bought out SSRN:

https://www.techdirt.com/2016/05/17/disappointing-elsevier-buys-open-access-academic-pre-publisher-ssrn/

Academics were elated in 2011, when Alexandra Elbakyan founded Sci-Hub, a shadow library that aims to make the entire corpus of scholarly work available without barrier, fear or favor:

https://sci-hub.ru/alexandra

Sci-Hub neutralized much of the collective action trap: once an article was available on Sci-Hub, it became much easier for other scholars to locate and cite, which reduced the case for paying for, or publishing in, the cartel's journals:

https://arxiv.org/pdf/2006.14979

The scholarly publishing cartel fought back viciously, suing Elbakyan and Sci-Hub for tens of millions of dollars. Elsevier targeted prepress sites like academia.edu with copyright threats, ordering them to remove scholarly papers that linked to Sci-Hub:

https://svpow.com/2013/12/06/elsevier-is-taking-down-papers-from-academia-edu/

This was extremely (if darkly) funny, because Elsevier's own publications are full of citations to Sci-Hub:

https://eve.gd/2019/08/03/elsevier-threatens-others-for-linking-to-sci-hub-but-does-it-itself/

Meanwhile, scholars kept the pressure up. Tens of thousands of scholars pledged to stop submitting their work to Elsevier:

http://thecostofknowledge.com/

Academics at the very tops of their fields publicly resigned from the editorial board of leading Elsevier journals, and published editorials calling the Elsevier model unethical:

https://www.theguardian.com/science/blog/2012/may/16/system-profit-access-research

And the New Scientist called the racket "indefensible," decrying the it as an industry that made restricting access to knowledge "more profitable than oil":

https://www.newscientist.com/article/mg24032052-900-time-to-break-academic-publishings-stranglehold-on-research/

But the real progress came when academics convinced their institutions, rather than one another, to do something about these predator publishers. First came funders, private and public, who announced that they would only fund open access work:

https://www.nature.com/articles/d41586-018-06178-7

Winning over major funders cleared the way for open access advocates worked both the supply-side and the buy-side. In 2019, the entire University of California system announced it would be cutting all of its Elsevier subscriptions:

https://www.science.org/content/article/university-california-boycotts-publishing-giant-elsevier-over-journal-costs-and-open

Emboldened by the UC system's principled action, MIT followed suit in 2020, announcing that it would no longer send $2m every year to Elsevier:

https://pluralistic.net/2020/06/12/digital-feudalism/#nerdfight

It's been four years since MIT's decision to boycott Elsevier, and things are going great. The open access consortium SPARC just published a stocktaking of MIT libraries without Elsevier:

https://sparcopen.org/our-work/big-deal-knowledge-base/unbundling-profiles/mit-libraries/

How are MIT's academics getting by without Elsevier in the stacks? Just fine. If someone at MIT needs access to an Elsevier paper, they can usually access it by asking the researchers to email it to them, or by downloading it from the researcher's site or a prepress archive. When that fails, there's interlibrary loan, whereby other libraries will send articles to MIT's libraries within a day or two. For more pressing needs, the library buys access to individual papers through an on-demand service.

This is how things were predicted to go. The libraries used their own circulation data and the webservice Unsub to figure out what they were likely to lose by dropping Elsevier – it wasn't much!

https://unsub.org/

The MIT story shows how to break a collective action problem – through collective action! Individual scholarly boycotts did little to hurt Elsevier. Large-scale organized boycotts raised awareness, but Elsevier trundled on. Sci-Hub scared the shit out of Elsevier and raised awareness even further, but Elsevier had untold millions to spend on a campaign of legal terror against Sci-Hub and Elbakyan. But all of that, combined with high-profile defections, made it impossible for the big institutions to ignore the issue, and the funders joined the fight. Once the funders were on-side, the academic institutions could be dragged into the fight, too.

Now, Elsevier – and the cartel – is in serious danger. Automated tools – like the Authors Alliance termination of transfer tool – lets academics get the copyright to their papers back from the big journals so they can make them open access:

https://pluralistic.net/2021/09/26/take-it-back/

Unimaginably vast indices of all scholarly publishing serve as important adjuncts to direct access shadow libraries like Sci-Hub:

https://pluralistic.net/2021/10/28/clintons-ghost/#cornucopia-concordance

Collective action problems are never easy to solve, but they're impossible to address through atomized, individual action. It's only when we act as a collective that we can defeat the corruption – the concentrated gains and diffuse losses – that allow greedy, unscrupulous corporations to steal from us, wreck our lives and even imprison us.

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If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/08/16/the-public-sphere/#not-the-elsevier

[politijohn]

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Sad but completely unsurprising…

Cancel all student debt.

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Education Loans :

Education loans are a very useful tool with which you can shape your dreams of higher education.

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Is There a Maximum Limit to The Amount I Can Borrow Through An Education Loan

Is There a Maximum Limit to The Amount I Can Borrow Through An Education Loan   Is There a Maximum Limit to The Amount I Can Borrow Through An Education Loan.Pursuing higher education is a significant investment that often requires financial support beyond personal savings. Education loans have emerged as a lifeline for countless students