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Student Loans, Repayment, & Credit Ratings [Oct. 23rd, 2008|03:50 pm]

I'm currently doing my MSc in Information & Library Studies in Scotland and will graduate in October of 2009. I finished an HBA at University of Toronto in 2006.

This morning I got a letter from Canada Student Loans stating that at the end of my studies I will owe them an accumulated total of $28,540.11. I paid off my provincial (Manitoba) loans in full this past year, so I only have one repayment per month ($341), but I'm concerned that I'll be paying this off forever.

I don't owe money to any other lenders or credit agencies, so this is my sole debt. If I'm lucky enough to get a job right out of school (average job search for my field is 4 months) it will probably pay around $45,000 (fairly steady across the country, up to $55k). I expect to start repayment 6mo before interest begins to accumulate and hope I can afford to up my minimum payment to $600/mo.

My question is: are there any effective ways to reduce the debt and/or interest without affecting my credit rating? What's the best way to manage this debt?
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SSHRC Research Contributions [Oct. 20th, 2008|11:53 pm]
Hello Everyone,

I am applying directly to SSHRC for the Master's awards.  I am currently finishing up my bachelor's at a US university.  In completing the online application the "Research Contributions" box limits you to 400 characters, not words.  I have 1 refereed publication and 7 conference presentations... obviously they will not fit in the box.  Is anyone else annoyed by this?  What are you doing about it?  I emailed SSHRC to confirm that is is supposed to be 400 characters not words.

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bragging and then signing off [Aug. 30th, 2008|04:14 pm]

I'm a Ph.D. now!!! Wheee! 7 long years and the degree is finally done. My words of wisdom: just keep on keeping on. Even on days when it feels like it will never end. Eventually, it does, and you get the honour of changing your e-mail signature line from "Ph.D. Candidate" to "Ph.D." So far, that is the extent of the impact completing the degree has had on my life. Hopefully more will come of it in time.
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Reversion Lists [Jun. 14th, 2008|10:28 am]
Has anyone who was on a reversion list (OGS, SSHRC, etc.) heard anything yet?
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Grad student journals [May. 31st, 2008|12:01 pm]

Hi folks,

Can anyone point me to graduate student journals in North America? Is there a list any where? Do you know of any in your field? I'm attempting to compile a list of student-run journals in advance of a project my journal is working on.

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SSHRC - THE LETTERS ARE OUT!!!! [Apr. 30th, 2008|02:47 pm]

This is the official post for bragging about your SSHRC.

It's also the place to commiserate about not getting a SSHRC.

I will just sit here and vibrate with anxiety because, AFAIK, my letter has not yet arrived, and I have no idea whether I'm SSHRCed or SSHRCless for next year.

Also - there are rumours of the letters arriving in envelopes from NSERC, but I don't know what that's about.

So, dish - where are you, and what did your letter say? 
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Info for Canadians in the US [Apr. 29th, 2008|03:41 pm]

 Connect 2 Canada dot com


Information for Canadian Students Studying in the United States

Dear Director of Student Services,

With your help, the Canadian Embassy would like to reach out to Canadian students on your campus and let them know about our Connect2Canada.com website, which includes useful information for Canadian students in the U.S. and provides an opportunity for Canadian students to connect with one another. We would greatly appreciate it if you could forward this message to the Canadian students on your campus.

Many thanks.

The Connect2Canada Team
Canadian Embassy, Washington, DC

Dear Canadian Students,

We hope your studies are going well and that you are getting ready for the end of classes and final exams.

We thought you would be interested to learn about Connect2Canada, Canada’s network in the United States. Connect2Canada is an initiative of the Canadian Embassy that seeks to inform people about developments in Canada and Canada-U.S. relations.

We invite you to visit Connect2Canada.com and join the network. As a member, you can receive newsletters and updates on a range of topics regarding Canada and Canada-U.S. relations. You can also receive invitations to events and exclusive offers, access to a national events calendar, and opportunities to connect with fellow members.

The Connect2Canada website has a section specially designed for students that includes links to Canadian student clubs, information resources on travel, visas, taxes, and financial aid that students will find helpful. If you have a Canadian student club or would like to start one, we would like to include it on the Connect2Canada site. The events calendar and Canadian music resource page will keep you informed about Canadian bands and performers coming to your city.

We encourage Canadian students to join Connect2Canada and become part of a growing network in the U.S. Please visit the site, let us know what you think, and forward this message to other Canadian students.

We wish you success with your classes and final exams.

Many thanks.

The Connect2Canada Team
Canadian Embassy, Washington, DC

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SSHRC in US [Apr. 29th, 2008|11:48 am]
Hi all -

I'll be going to do my PhD in the US in September, with a SSHRC doctoral. I have two questions for anyone who's in the same boat:

1. What kind of hit did your university funding package take when you got the SSHRC? i'm especially interested in the question of penalising fellowships vs. penalising money that we weork for (TA/RA, etc...) - my package (before the SSHRC) was split about 50/50 between the two.

2. I know SSHRC money ain't taxable in Canada (see post below) - is that the case in the US?

Thanks, all...
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Tax [Apr. 26th, 2008|09:26 pm]

Being the true grad student that I am, I have been procrastinating on filing my taxes. I am having trouble with what I should do with the stipend info. I have heard from everybody that it's not taxable, but I can't find it on the actual forms. Please help.
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OGS Reversion list [Apr. 20th, 2008|06:31 pm]
Does anyone have a gauge on how long the reversion list is and what the odds are for those on it (ie me)?
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