#Save OneNote Document to a Stream

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How to get Microsoft 365 for Free

How to get Microsoft 365 for Free

Do you want to get your Microsoft 365 Plan for free? There are some options you should try first.

I know, the prospect of a free Microsoft 365 sounds kind of farfetched. But it’s not. If there is a legal way that you don’t have to pay, you’ll find it here.

Of course, one way is to simply get the free trial of Microsoft 365 if you don’t have it already. This is limited but will give you a chance to try it before you buy.

Here are some ways to get full edition of Microsoft 365

1. Get Microsoft 365 through your school

Microsoft offers Microsoft 365 Education for free through many schools and universities. If you are a student or educator, and your institution is eligible, all you need is a valid school email address.

This is a truly free version of Microsoft 365, and you should enjoy this benefit for as long as possible. In addition to your familiar MS apps, it comes with tools to encourage collaboration in the classroom, like Access, Sway, Teams, SharePoint, Stream, and Flow.

However, Microsoft will verify you are still an active educator or student. Once your Microsoft 365 Education plan expires, applications will become view-only after 30 days. After 60, you will lose access. To keep working, you will need to subscribe to Microsoft 365, or back up your files and use Office Online.

If you used to be a student, see if your school address will work. If not, access the alumni discount they offer for Microsoft 365 Personal.

2. Get the free trial of Microsoft 365

This is the easiest free option for accessing Microsoft 365. But it only lasts for a month. After that, you’ll have to begin a subscription or use one of the other methods here.

Remember to turn off recurring billing in your Account Settings unless you want to start paying.

Unlike the online version, when Microsoft 365 is installed locally you have full document editing capabilities offline. You can share the free Microsoft 365 trial version with up to five other people. Each person gets 1TB of OneDrive cloud storage, plus the ability to sync and share files across Windows, Apple, and Android devices.

This is a great option, but only for the short-term. You only get a single free trial per email and credit card, so unless you try to bend the terms of the license agreement, it’s a one-shot deal. Or is it?

3. Convince your company to get Microsoft 365

If your need for Microsoft 365 is strictly for work. And you constantly find yourself in need of full-versions of Word or Excel, you probably have a strong case to make to your employer.

Office Online is great, considering it’s free, but the lack of function or offline capability can be extremely frustrating. If these things are getting in the way and costing you time, it’s likely costing the company more money a subscription would.

This isn’t always going to work—but I told you we were looking at every option to get Microsoft 365 free of charge.

4. Free Microsoft 365 (with purchase of a PC)

Here’s an option that is not going to be right for everyone, but if you are in the market for a new computer, this could be an answer. Some PCs come with one year of Microsoft 365. This sometimes includes ultra-affordable laptops, and you still save $99 annually on an Microsoft 365 subscription.

One thing to make sure of is that you are getting what you want. Some computers will only come with Microsoft 365 Personal, and others may not even have an OS installed.

What about Office Online and Mobile?

Now you know how to get a free download of Microsoft 365, but I should mention two easy, free-forever Office options just in case they do the trick.

Get Office Online

Office Online is entirely cloud-based and works on most browsers. As long as you have the internet, you have access to familiar MS Office tools like Word, Excel, and PowerPoint, as well as Sway, OneNote, Outlook, Calendar, OneDrive, Forms, People, and Skype. Simply create an account and log in from anywhere to collaborate with anyone.

While Office Online doesn’t take up any space, the downside is that you need the internet in order to use the programs and your documents. If you can rely on wifi wherever you need it, this limitation isn’t so bad. Plus, you can always sync your computer with OneDrive so that files are automatically stored for offline access.

The features are greatly limited compared to Microsoft 365, but for personal use, it’s probably okay as long as you plan ahead. The extra logistics required to coordinate larger teams using Office Online, however, probably don’t end up saving much money.

Get the Office mobile app

The Office mobile app works on Android and iOS on your phone or tablet. Word, Excel, and PowerPoint are combined into a single app that syncs with all of your devices that use Office.

You can download additional apps, which take up some space, but all of your documents are stored in the cloud. You’ll be able to create and sign PDFs, and edit documents, tables, and slides—but be aware that the editing features are limited without the Microsoft 365 subscription.

Similar to Office Online, the mobile app is okay for personal needs but quickly reveals itself wanting at the enterprise level.

Final note: If you have to pay… it’s really not that bad! In the end, Microsoft 365 is an extremely valuable set of programs. Getting it for $99/year is pretty amazing. and now there is a special offer for one year, one user, 5 devices on www.keyingo.com , and it is only $25 USD, if you can't access these free edition, don't miss this opportunity

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Live home 3d pro logo

Live home 3d pro logo for free#

Live home 3d pro logo windows 10#

Live home 3d pro logo pro#

Live home 3d pro logo software#

Live home 3d pro logo professional#

Despite the relatively high price tag, this is a complete design suite with lots to offer and an ease of use not common to similar programs. Save documents, spreadsheets, and presentations online, in OneDrive.

Live home 3d pro logo for free#

Extra features include a walk-through mode, where virtual tours of a building can be taken from an individual's perspective. Collaborate for free with online versions of Microsoft Word, PowerPoint, Excel, and OneNote. Creating designs can be achieved after an extremely short time, providing one of the simplest creation tools available. Follow the vibe and change your wallpaper every day live. Weve gathered more than 5 Million Images uploaded by our users and sorted them by the most popular ones. Possibilities are endless with waterproof, live streaming, stabilizing features + more. AMD EPYC 7003 Series processors with AMD 3D V-Cache technology accelerate simulations, boost engineering productivity, and speed the product development. Explore a curated colection of Live Desktop Wallpapers freeload Images for your Desktop, Mobile and Tablet screens.

Live home 3d pro logo software#

While Live Home 3D certainly has a learning curve, the software is designed in a user-friendly manner. Discover the worlds most versatile action cameras + accessories. Use AMD rendering technology in Live Home 3D to make the most of.

Live home 3d pro logo pro#

Included within the package are floor plan tools with auto outline options, realistic 3D modelling with dynamic lighting, thousands of 3D object models with the ability to import more, custom roof shaping and a huge range of export options. Live Interior 3D Pro End User License Agreement 3 Live Interior 3D Pro Edition End User License Agreement THIS LICENSING AGREEMENT (AGREEMENT) IS A LEGAL AGREEMENT BETWEEN YOU, EITHER AN INDIVIDUAL OR A SINGLE ENTITY, AND BELIGHT SOFTWARE (LICENSOR). Rendering can be a perfect finishing touch to your project for highly true-to-life designs.

Live home 3d pro logo professional#

All in one designįeaturing everything required to imagine, create and export fully professional design plans, Live Home 3D offers a complete design solution. Create designs for homes, buildings and more with this complete design suite. Live Home 3D is a design app used to create 2D and 3D mock ups. The app allows design in both 2D and 3D, and the creation of high-resolution interior and exterior renderings, on video walkthrough or 360-degree panoramic images.

Live home 3d pro logo windows 10#

No design experience required Make a Logo for Free. Live Home 3D is a virtual home design software for macOS, Windows 10 computers and iOS. Search among these 3D logo designs, get insipred, and make your own 3D text/shape logos, pyramid logos or cube logos, etc., without any difficulty. Live Home 3D is a perfect 2D and 3D interior design solution for home and business usage. Toggle Menu CHAUVET Professional Toggle Menuįeatured Story Sooner Routhier Circles Coldplay With 192 Color STRIKE M Fixtures Product Spotlight MAVERICK SILENS 2 PROFILE Blessing Berro and Tatenda Gaylord Rushwaya illuminate the Jabula Conference in Zimbabwe.Softonic review Complete building design suite DesignEvos 3D logo creator helps you make great 3D logos for free from abundant professional templates. Find out about the areas where Live Home 3D app can be useful. Punch Landscape Design v20 is very powerful allows you to create designs in 2D, 3D view aerial shots, walkthroughs and more.

Rogue R2X Spot and R3 Spot (2) Road Case Punch Landscape Design is one of the most popular desktop landscape design apps on Windows and it also works on Mac.

Maverick MK2 Wash and MK Pyxis (4) Road Case Shop online for all your home improvement needs: appliances, bathroom decorating ideas, kitchen remodeling, patio furniture, power tools, bbq grills, carpeting, lumber, concrete, lighting, ceiling fans and more at The Home Depot.

home builders by revenue, closings, and type and location of homes built and takes a deeper dive into two driving forces in housing today: built-for-rent and off-site construction.

Maverick MK2 Spot/Profile and MK1 Spot/Hybrid (2) Road Case Pro Builder s Housing Giants report ranks the top U.S.

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Ios pdf search api

Since then, the operating system has grown to incorporate other products, including the iPad and iPod Touch. The operating system was unveiled at Macworld Conference and Expo in 2007 to support the company’s new venture, the iPhone. You can even import images that are already on your. You can use Microsoft Lens to convert images to PDF, Word, PowerPoint, and Excel files, digitize printed or handwritten text, and save to OneNote, OneDrive, or your local device. This agreement and your use of Promo Content are governed by California law.Ĭopyright © 2018 Apple Inc. iOS is the operating system for all of Apple’s mobile products. Microsoft Lens (formerly Office Lens) trims, enhances, and makes pictures of whiteboards and documents readable. Developer shall forward any claims received in connection with the Promo Content to Apple immediately upon receipt, and will remove any Promo Content immediately upon request from Apple. Developer acknowledges that Apple provides the Promo Content “as is,” and disclaims any and all representations or warranties, including, but not limited to, non-infringement. Developers may use certain promotional content as may be provided by Apple, including previews of songs and music videos, album art, and App icons (“Promo Content”), for the purposes of promoting the subject of the Promo Content provided such Promo Content: (i) is placed only on pages that promote the content on which the Promo Content is based (ii) is proximate to a “Download on iTunes”, “Download on App Store” or “Download on iBooks Store” badge (as approved by Apple) that acts as a link directly to pages within iTunes or the App Store where consumers can purchase the promoted content (iii) includes attribution indicating the Promo Content was “provided courtesy of iTunes” if such Promo Content includes song or music video previews (iv) is streamed only, and not downloaded, saved, cached, or synchronized with video, if such Promo Content includes song or music video previews (v) is not used for independent entertainment value apart from its promotional purpose and (vi) is not used to promote any other goods or services.

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A Few Reasons People Love Windows 10

How many times has your laptop crashed with work in progress? You certainly do not want to lose what you were working on especially when it has to be submitted before the deadline. To avoid this scenario from happening, you need to make sure that you have backed up your important files and saved them to another storage device (such as your USB flash drive or external hard drive). However, backing up your data can be quite challenging if you do not know where and how to store your files in the first place. Luckily, windows 10 keys provide you accessto some easy-to-use tools that will let you back up your important files right away!

Improved Performance

Microsoft made a huge effort to make Windows faster, and it shows. Boot times are up to twice as fast, file copying is much quicker, and everyday tasks like switching between apps is more responsive than ever. This might be thanks to Microsoft’s Fluent Design system, which puts animations on top of everything in Windows so that everything feels smooth. And then there’s Cortana, who pops up with information about how long it will take you to get home when you type it into your Start menu. Now she’ll also search through your content—like photos and documents—to help you find what you need. It's a subtle but impressive improvement in speed.

Personalization

With your windows 10 key, there is an option to personalize your user account with a picture. If you choose to do so, you can log into your computer and see that background image each time. Additionally, if you sign into another account on your computer (whether it be an administrator or standard), that person’s account picture will also appear in these spots. It is important to note that you can personalize more than just those two default places on a computer; for example, if you have multiple user accounts and use folders within other accounts as well, then clicking on that folder would bring up your home screen so long as you are signed in under one of those other user accounts.

Cortana

This is Microsoft’s version of Siri, in that it’s a voice-controlled personal assistant. However, Cortana also has personality and can suggest things for you to do or see. For example, you could ask Cortana to help you plan a vacation or tell her to remind you to bring an umbrella tomorrow. Another cool trick: Ask Cortana what’s playing at your local movie theater and she’ll pull up showtimes on your computer (or tell her not just what movie is showing but when). If she doesn't know, she'll prompt you to look online via Bing.

Office Mobile

With your windows 10 license, you’ll get access to Word, Excel, PowerPoint and OneNote—and it works on your PC, tablet and phone. Not only does that mean you have easy access to your most important documents on any device, but it also means that if someone needs to make changes to a document while you’re away from your desk (or computer), they can open it right up in Word.

Xbox App

If you have an Xbox 360, you’ll be right at home with its integration in Windows 10. With it, you can stream games from your console to any computer connected to your network (in addition to any Xbox One devices). And if you don’t yet own an Xbox One, Microsoft will give away free copies of Halo 5: Guardians, Forza 6 and Sunset Overdrive for a limited time when upgrading. In addition to streaming games, you can also use it as a media player for your movies and TV shows in 1080p high definition. It’s all part of Microsoft’s push toward converging gaming between consoles and computers.

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Programas Free Para Mac

Since its launch in 2013, Slack has quickly become the first name in business collaboration and messaging, and its free Mac app is the best way to keep in touch with your team. The free edition is minimal at best with the ability to add and delete events, get the three-day forecast, and a few other features. Like Windows and Linux, Valve Software provides a Mac.

Looking to download safe free versions of the latest software for Mac, freeware, shareware and demo programs from a reputable download site? Visit FileHippo today.

Scribus for Mac. Scribus is a free PDF editing software for Mac that can be used to open PDFs and even edit certain aspects of the PDF document. It is one of the easiest programs to use because the user interface is simple and clean.

Search Pure Mac or Check Pure Mac's Software Index Updates: Week of October 27, 2019

Microsoft Office 2019 16.31 - Office suite including: Word, Excel, OneNote, PowerPoint and Outlook

VirusBarrier Scanner 1.1.4 - Intego's malware scanner

CopyLess 2.13.1 - Clipboard manager

Twitter 8.2 - Twitter's client for Mac

Hogwasher 5.23 - Usenet client

Steam v020 1572467257 - Buy games and connect to other players

Cyberduck 7.1.2 - FTP client

Borderlands 3 - First Person Shooter

BBEdit 13.0.2 - It doesn't suck

Music 1.0.1 - Apple's mp3 player

- Doesn't seem any snappier than the music player in iTunes - Search is even more pathetic - Command-L is now useless - After you open an album and select a song then push the back button it takes you to the top of the playlist - Album Artwork Screensaver still doesn't work

TableEdit 1.4.3 - Simple spreadsheet application

Tor 9.0 - The privacy browser

ARK: Survival Evolved 300.1 - Multiplayer survival game

The Elder Scrolls Online 5.2.6 - Massively Multiplayer Online Role-Playing Game

Rocket League 1.69 - Driving meets soccer

GarageSale 8.0 - Create auctions for eBay

cTivo 3.4.0 - Download shows from your TiVo

qBittorrent 4.1.9 - BitTorrent client

iFinance 4.5.28 - Personal finance application

Plex Media Server 1.18.1 - Media server

Cisdem PDF Converter OCR 7.1.0 - Convert PDF to text, Word, ePub etc.

Transmit 5.6.1 - FTP client

Spotify 1.1.18.611 - Streaming music

ForkLift 3.3.7 - FTP client and file manager

Beyond Compare 4.3.1 - Compare files and folders (now 64-bit)

Free Ruler 2.0.3 - Screen ruler (now 64-bit)

Prefs Editor 1.2.5 - Edit application and system preferences

uBlock Origin 1.23.0 - Content blocker (reason enough to switch to Firefox or Chrome)

Audio Hijack 3.6.2 - Record audio from any application

Pixelmator Pro 1.5.1 - Image editor

Photoshop CC 20.0.7 - Image editor

Updates: Week of October 20, 2019

Ecamm Live 3.2.3 - Facebook Live, YouTube Live, Twitch and Periscope production

CADintosh 8.5 - 2D CAD program

Swinsian 2.2.2 - mp3 player

XAMPP 7.3.10 - Apache distribution containing MariaDB, PHP, and Perl

League of Legends 9.21 - Multiplayer Online Battle Arena

StarCraft II 4.10.4 - Blizzard's online game of strategy

ConceptDraw Diagram 13.0.0.302 - Charts and diagrams

ConceptDraw MindMap 11.0.0.128 - Mindmapping software

ConceptDraw Project 10.0.0.18 - Project management

OmniGraffle 7.11.5 - Charts and diagrams

Wireshark 3.0.6 - Network protocol analyzer

Mellel 4.2.5 - Word processor

Thunderbird 68.2.0 - Email client

Grammarian PRO3 X 3.0 - Grammar checker

IShowU Instant 1.3.0 - Screen recorder

Default Folder X 5.4.1 - Enhance Open and Save dialogs

Apple Remote Desktop 3.9.3 - Manage the Macs on your network

Chac 2.8.2 - Mayan calendar

Sketch 59.1 - Vector graphics and design

SwitchResX 4.9.1 - Automatically change resolutions

MacPorts 2.6.2 - Package manager

Shotcut 19.10 - Free, open source, cross-platform video editor

Total War: SHOGUN 2 1.5 - Strategy game (now 64-bit)

Onyx 3.7.0 - Maintenance tool for Catalina

Booxter 2.8 - Book collection manager

Smultron 12.0.3 - Text editor

Updates: Week of October 13, 2019

WeatherTracker 1.7.4 - Monitor the weather on your roof

iTrash 5.0.1 - Delete applications and their related files

Geekbench 5.0.3 - Benchmark utility

OmniFocus 3.4.3 - Task manager

Calibre 4.2.0 - eBook editor and manager

LINE 5.19.1 - Video calls and messenger

Viber 11.7.0 - Messenger with video calls

Carbon Copy Cloner 5.1.13 - Backup utility

FreeFileSync 10.17 - Folder comparison and synchronization

India Ink 1.9 - Photoshop plug-in to convert color images to black-and-white halftones

Filter Forge 8.006 - Photoshop plug-in with an array of filters, effects and more

Draw 8.0 - Photoshop plug-in and application to turn your photos into drawings

AirBrush 7.0 - Photoshop plug-in and application to turn your photos into airbrush paintings

Charcoal 4.0 - Photoshop plug-in and application to turn your photos into charcoal drawings

Call Recorder 3.0.3 - Record Skype video and audio

Swift Publisher 5.5.1 - Page layout

World of Tanks Blitz 6.4 - Multiplayer tank game

Dota 2 7.22h - Multiplayer Online Battle Arena

Battle.net 1.15.5 - Blizzard's game manager

Heroes of the Storm 2.48.2 - Multiplayer Online Battle Arena

VirtualBox 6.0.14 - Run another OS along with macOS

SketchUp 19.3 - 3D modeling

TinkerTool 7.42 - System tweaker

DEVONagent 3.11.2 - Web search assistant

Zoom 4.5.5 - Video conferencing program

TeXShop 4.43 - Front end to TeX and LaTeX

EtreCheck Pro 6.1.3 - Identify problems and remove adware

Deezer 4.17.10 - Streaming music

Banktivity 7.3.2 - Personal finance program

Stella 6.0.2 - Atari 2600 emulator

CotEditor 3.8.3 - Text editor

Ableton Live 10.1.3 - Digital Audio Workstation

GyazMail 1.6.1 - Email client (now 64-bit)

Programas Adobe Gratis Para Mac

Posterino 3.6.4 - Turn your pictures into a collage

A Better Finder Rename 10.46 - Batch rename files and folders

iOS 13.1.3 - Update for your iPhone 6s or later

iPadOS 13.1.3 - Update for your iPad

Fortnite Chapter 2 - Epic's Battle Royale

OpenSSH 8.1p1 - Remote operations using ssh, scp, and sftp

Homebrew 2.1.15 - Package manager

CLIX 2.4.0.0 - Learn to fish

VirusBarrier 10.9.21 - Malware scanner

ClamXAV 3.0.14 - Malware scanner

Guild Wars 2 build 99,835 - Massively Multiplayer Online Role-Playing Game

Hearthstone 15.4 - Online strategy card game

BibDesk 1.7.2 - Bibliography manager

ScummVM 2.1 - Run classic graphical point-and-click adventure games

Scrivener 3.1.4 - Word processor for writers

iClip 5.5.1 - Clipboard manager

Amadeus 2.6.2 - Audio editor

Screenflick 2.7.45 - Screen recorder

X Lossless Decoder 20191004 - Audio encoder/converter

Dupin 3.0 - Manage duplicate tracks in the Music.app

Find Album Artwork with Google 4.0 - If you automate adding artwork to your mp3's, you aren't doing it right

Updates: Week of October 6, 2019

Find Any File 2.0 (now 64-bit) - Search your Mac

Final Cut Pro 10.4.7 - Apple's video editor

Motion 5.4.5 - Create motion graphics for video effects

Compressor 4.4.5 - Video and audio media compression

iMovie 10.1.13 - Apple's video editor

Logic Pro X 10.4.7 - Apple's music production software

GarageBand 10.3.3 - Apple's music creation studio

Updates: Week of September 30, 2019

DEVONthink 3.0.1 - Store and organize your notes and files

Affinity Photo 1.7.3 - Photo editing software

Affinity Designer 1.7.3 - Vector graphic design software

Affinity Publisher 1.7.3 - Page layout program

Stellarium 0.19.2 - Planetarium

Skim 1.5.3 - PDF reader

SQLEditor 3.6.2 - Create graphical SQL databases

BOINC 7.16.3 - Client for various distributed computing projects

LaunchBar 6.12 - Launcher

XtraFinder 1.5.1 - Tabs, colorful icons in the Sidebar etc.

TextMate 2.0 - Text editor

Updates: Week of September 22, 2019

Amazon Music 7.8.3 - Amazon's streaming music player

Virtual )( 9.2 - Apple )( emulator

Basilisk II 1.0 (2019-09-08) - Run System 7.x thru Mac OS 8.1 (64-bit)

SheepShaver 2.5 (2019-09-08) - Run System 7.5.2 thru Mac OS 9.0.4 (64-bit)

ExpressVPN 7.5.0 - VPN service

TimeMachineEditor 5.0.8 - Change the backup interval of Time Machine

Twitterrific 5.4.3 - Twitter client

SDLMAME 0.214 - Multiple Arcade Machine Emulator

Cookie 6.0.2 - Cookie manager for Safari, Chrome, Firefox etc.

4D 17.3 - Database and application development tool

Valentina 9.6.1 - Database, database manager and server

Coinbase 6.14.0 - Bitcoin, Ethereum, and Litecoin exchange

VNC Server 6.6.0 - Server for VNC Connect

VNC Viewer 6.19.943 - VNC client for VNC Connect

EagleFiler 1.8.10 - Store and organizer your notes, images, documents etc.

Quicken 2019 5.12.5 - Online personal finance service

Vivaldi 2.8.1664.40 - Web browser

Lingon X 7.4.2 - Schedule launching of programs and scripts

FontAgent 9.5.1 - Font manager

HoudahSpot 5.0.9 - Search your Mac

Paparazzi! 1.0b11 - Web page screenshots

World of Warcraft 8.2.5 - Massively Multiplayer Online Role-Playing Game

Diablo III 2.6.6A - Blizzard's action role playing game

StarCraft 1.23.1 - Blizzard's classic game of strategy

Itsycal 0.12.1 - Menubar calendar

Coda 2.7.4 - Web editor

Skype 8.52 - Video calls

RazorSQL 8.4.7 - SQL editor and database administration tool

ZOC Terminal 7.24.2 - Terminal program

BookMacster 2.9.15 - Cross-browser, multi-Mac bookmarks synchronization tool

Markster 2.9.15 - Keep your bookmarks in a central location on your Mac

Daylite 6.8 - CRM, project management

MacFamilyTree 9.0.9 - Genealogy program

WhatsApp 0.3.4679 - Messenger

OpenOffice 4.1.7 - Office suite

Backup and Sync 3.46 - Google Drive's Mac program

DiskCatalogMaker 7.5.6 - Catalog your disks

SubEthaEdit 5.1 - Collaborative text editor

iClock 5.5 - Multifunction Menubar clock

TrailRunner mini 3.6.7648 - Route planning program

MacWise 19.3.7 - Terminal emulator

The graphing software is used to create informational graphics. This is mainly done by the informational visualization and infographics. Do you know the best graphing software for use in today’s world? Here is a list of some of the best graphing software. Also, know about the typical specifications and authentic reviews of these software. This will, in turn, help an individual to choose the software properly based on your requirement and preference accordingly.

Programas Free Para Mac Free

Related:

Photon

This graphing software is used as both a graphing tool and a calculator as well. It helps in making the graphic look better. The software also runs faster and can do a lot of tasks altogether. This software can be easily downloaded from the net and installed to carry out the process of the graphic design easily.

Graph

This software is used for drawing the graphs and for carrying out several mathematical calculations and functions as well. This software has several features. It can be easily customized based on the settings. This software is very easy to use as well. IT is mainly used for educational purpose.

GraphCalc

This is yet another graphing software, which has the capability of four function figure. It provides a solution to every statistical and mathematical analysis, derivatives, Booleans, decimals, calculus and much more. It provides a comprehensive package for various mathematical calculations. It is very easy to learn and simple to use as well.

Euler Math Toolbox

This software is also known as the EMT. It helps in carrying out the symbolic and numeric mathematics, calculus, algebra, and arithmetic. It also helps in creating informational graphics, which can be exported to files and presentations as well. It is a tool used right from the beginners level to the level of a researcher significantly.

Other Platforms

Apart from these graphing software, there are several other software specific to various other platforms and operating systems as well. These software are extensively used for graphing purposes and carrying out the various mathematical calculations, statistical analysis. There are several sites for graphing software, free download.

Gnuplot for Mac

It is basically the graphing software, which works on Mac operating system. Graphmatica is yet another software for Mac OS. It helps in visualizing the mathematical calculations and analyzing the data for the researchers and students interactively. However, it has been developed to carry out some non-interactive processes like web scripting as well. It is such a graphing utility, which is driven by portable command-line.

Math GV for Windows

Programas Free Para Mac Os

It is a math graphing software program. It helps in plotting 2D, 3D, polar and parametric mathematical functions. It is known as the 3D graphing software as well. It is mainly used for Windows platform. It has no adware, spyware or any other such features. It allows changing settings any time according to the requirement.

Most Popular Graphing Software – Magic Plot

This software is used for plotting, processing scientific data and carrying out other processes of data processing effectively. There are sites to carry out the process of origin graphing software, free download in the net. It carries out the process of data exploration, multiple levels of redo and undo, recalculating data automatically, highlighting syntax of the formula, snapping objects for drawing accurately and many other mathematical functions. You can also see Infographic Maker Software

What is Graphing Software?

This Graphic software, which is widely used for carrying out the various mathematical calculations and the statistical process of analysis effectively. It is used to do various plots, process of visualizations, data monitoring, data analysis, curve fitting and some other mathematical applications. It is extensively used in the domain of calculus, arithmetic, origin plotting by providing interactive visualizations. You can also see Schematic Drawing Software

These software are used by individuals from the beginner level to that of the research level as well. It also helps in carrying out the process of signal processing and analyzing the frequency stability. It is helpful for rendering formula, geometry, complex systems, and networks.

Make use of the various graphing software to carry out the process of data plotting and analysis. These software listed above are extremely helpful to carry out the various mathematical calculations and provide solutions to the complicated systems as well by rendering geometry, mathematical formula, calculations, and other mathematical tools to a huge extent.

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Samsung Galaxy Tab S7+ Review

The Samsung Galaxy Tab S7+ is the most capable Android productivity tablet on the market. In addition to being the first to support 5G connectivity, it's also a performance powerhouse that can handle multitasking with ease. Though its starting price of $849—which doesn't include 5G capability or the carrier subscription to use it, nor the Book Cover Keyboard Case—looks steep, it's one of the few viable laptop alternatives on the market, especially if you often commute or travel and don't want to bother with a hotspot. With impressive features, incredible performance, and all-day battery life, it's the  best Android tablet  you can buy right now, and wins our Editors' Choice award.

A Beautiful, Stylus-Compatible Display

Aesthetically, little separates the Galaxy Tab S7+ from other hight end slates like the iPad Pro. The chassis and back of the Galaxy Tab S7+ are constructed of aluminum and available in black, silver, or bronze. It measures 11.25 by 7.3 by 0.2 inches (HWD) and weighs 1.3 pounds without the optional Book Cover Keyboard Case. That may sound heavy, but the weight is well-distributed, making it easy to hold for long periods. A slim camera stack and a magnetic connector for the S Pen are on the upper left corner. A word of warning: the connector for the S Pen is not as well placed or as powerful as what you'll find on the iPad Pro, making it easy to lose.

The front is dominated by a 12.4-inch, 2,800-by-1,752-pixel Super AMOLED display with a 120Hz variable refresh rate. Color accuracy is spot-on, with vivid colors and inky, deep blacks. The screen is bright enough to use in direct sunlight without any problems.

Top-Notch Hardware and a Marathon Battery

A Qualcomm Snapdragon 865+ chipset powers the Tab S7+. Samsung offers the tablet in 128GB/6GB, 256GB/8GB, and 512GB/8GB storage/RAM configurations. Our review unit is the 256GB/8GB version. All three support up to an additional 1TB of external storage with a microSD card.  

As expected, the Tab S7+ can chew through just about any task you throw its way. We tested it with over a dozen apps and three dozen Chrome windows open and it didn't even flinch.

The powerful Snapdragon 865 chipset on the tablet, combined with its 120Hz display makes gaming an immersive and seamless experience. We tested the tablet with Asphalt 9: Legends and PUBG Mobile and didn't encounter a single hiccup. Load times are lightning fast, and the 120Hz display means you'll never see any lag or dropped frames.

Benchmarks underscored our experience. On Geekbench 5, a suite of tests that quantify raw computing power, the Tab S7+ earned 994 single-core (SC) and 3,814 multi-core (MC) scores. That is, by far, the best score we've seen for an Android tablet sold in the US, but still falls behind the iPad Pro's 1,113 (SC) and 3,277 (MC) scores on the same tests.

Samsung packed a 10,090mAh battery in the Tab S7+ (much bigger than the Tab S7's 8,000mAh battery), which can easily carry you through through the workday with a little battery life to spare. In our battery test, which streams HD video over Wi-FI at full brightness, the Tab S7+ held on for 7 hours and 21 minutes before powering down. That's about the same as the iPad Pro (7 hours, 48 minutes), and with more conservative use you should easily be able to make it a full day between charges.

45W fast charging is with an optional power adapter. If you choose to stick with the 15W adapter that comes in the box, be prepared to let it charge overnight.

A Selfie Camera Made for Video Calls

A 13MP primary lens with an f/2.0 aperture and a 5MP ultra-wide lens with an f/2.2 aperture comprise the Tab S7+'s rear camera module. There's an 8MP sensor on the front of the tablet with an f/2.0 aperture.

With good light, the dual camera stack performs well. The 13MP lens takes an excellent shot with good depth of field and solid color accuracy. The ultra-wide lens performs nearly as well, though we did note some minor loss of fine detail.

In low light, the rear cameras do an adequate job. Our low-light test shots had some edge noise along with lens flares, but they were still good by tablet standards. That said, we doubt many people will use the tablet to grab unplanned photos when most flagship phones perform better and are easier to whip out over the dinner table.

The 8MP selfie camera is perfect for video calls no matter the time of day. It also takes a good selfie, though some of our low-light test shots appeared a little flat, with minor noise around the edges.

Immersive Audio

Samsung sells the Tab S7 in 5G and Wi-Fi versions. The base model ships with Wi-Fi 6 support. The 5G model works with every US carrier and has supports sub-6GHz and mmWave connectivity, though you'll need to pay for monthly service. We tested the Tab S7+ on a gigabit Wi-Fi network and recorded excellent results, with averages of 631.4Mbps down and 38.8Mbps up.

The four AKG-tuned speakers on the Tab S7+ are among the best we've heard on a tablet. With a maximum volume of 96dB,audio is loud enough for conference calls, and it actually sounds good when you're watching videos. There's also Bluetooth 5.0 connectivity for wireless audio with the Galaxy Buds Live or your favorite Bluetooth headphones.

S Pen Feels Great

Unlike Apple's pricey $129 Pencil, Samsung includes its S Pen in the box with the Tab S7+ Put simply, the S Pen is incredible. It comes in the box and charges wirelessly when connected to the back of the Galaxy Tab S7+.

Writing with the S Pen actually feels good. We didn't notice any lag when using the stylus, and latency has been reduced to 9ms from 26ms on the Tab S6 Lite. The tip of the S Pen is significantly thinner than the iPad Pro's Pencil, and offers a little bit of drag to make writing on the display feel more natural.

Air Actions, Samsung's set of S Pen gesture–initiated shortcuts first announced on the Galaxy Note 9, makes its big screen debut on the Tab S7+. Air Actions lets you use the S Pen to snap selfies, swipe through pages without touching the screen, and set up other custom shortcuts. If you're new to Air Actions, there's a bit of a learning curve, but it's pretty convenient once you get the hang of it.

A Pricey and Flimsy Keyboard

The optional Book Cover Keyboard Case ($229.99)is hit-or-miss. The actual keyboard has excellent travel and a satisfying tactile feedback. The trackpad is swift and gestures work without a hitch. The cover turns into a stand, with good range of motion, and has a magnetic compartment for storing the S Pen.

So what's not to like about the case? For starters, it's nearly impossible to use in your lap. The stand is made to rest against a solid surface. Even if you manage to find a comfortable spot for it on your lap, there's a lot of flex in the keyboard. And frankly, the Book Cover Keyboard Case looks cheap. From a distance you might mistake the case for leather, but up close it unquestionably looks and feels like low-grade vinyl. Anyone who's investing in a high-end tablet like the Tab S7+ will likely want a cover that gives the same impression of quality manufacture and design. The Book Cover Keyboard Case does not.

One UI Can't Save Android

The Galaxy Tab S7 Pro ships with Android 10 and the latest version of Samsung One UI. In the past, we've had mixed feelings about One UI, but Samsung has made some major changes that make it much more attractive. The latest iteration now supports live syncing between Samsung devices and PCs; Apple users are unfortunately out of luck.

Samsung's productivity apps have also gotten a significant facelift. Samsung Notes now offers easy PDF annotations with the S Pen. A handy feature that allows you to sync voice recordings with your written notes is relatively easy to use. There's also the option to sync your notes with Microsoft Outlook and OneNote, but you can easily download Microsoft 365 to the S7+ and skip syncing altogether.

Folder and file structure have been significantly improved, so it's easier to find documents if you prefer to store them directly on your tablet. There's also the option to sync your documents with Microsoft OneDrive.

One UI also improves multi-tasking on the Tab S7+. You can now have three windows open simultaneously. Multi-Active Window, a persistent tab that rests on the side of the screen, now supports app groups, so you can create quick shortcuts to open your three most-used apps simultaneously.  

Over the past year, Samsung has made some massive improvements to DeX (desktop-mimicking) mode. It's more intuitive than older versions, supports multi-touch gestures, and even connects wirelessly to compatible televisions and monitors. We wouldn't go so far as to say it can replace your desktop, but it's an excellent alternative for basic tasks.

To be honest, Samsung's One UI corrects many of the ills that hamstring Android tablets, but at the end of the day, you're still running Android apps. That means there are limited options, especially for those in creative fields, and some apps just aren't up to snuff. If you're not a fan of the iPad Pro, there are plenty of Windows 2-in-1 laptops that run full fledged versions of Adobe Creative Cloud and similar apps.

There's also the issue of updates. Samsung has committed to updating its new products "for three generations," but that's a rather ambiguous claim and it doesn't set a specific timeline for updates. Android manufacturers, for the most part, have been slow with OS upgrades, and we doubt the Tab S7+ will be an exception. Though Samsung is already upgrading some of its devices, it doesn't look like the Tab S7+ will get an Android 11 upgrade until 2021.

The Best Alternative to an iPad Pro

The Samsung Galaxy Tab S7+ is the most capable Android productivity tablet on the market. In addition to being the first to support 5G connectivity, it's also a performance powerhouse that can handle multitasking with ease. The S Pen is a pleasure to use, and the Samsung One UI actually feels like it adds to the overall experience.

What keeps the Tab S7+ from meeting its full potential is its OS. No matter how many tweaks Samsung makes to One UI, it still runs on Android and simply doesn't offer the same seamless experience you'll find on the iPad Pro. And although the optional Book Cover Keyboard Case works well on a desk, its steep price and lackluster build quality are a disappointment.

Despite these nitpicks, we still think the Tab S7+ is an extremely impressive piece of hardware. Once you're able to travel again, you'll find it by far the best Android tablet for taking work on the road and having a laptop-like experience supplemented by an outstanding stylus. It's an Editors' Choice through and through.

[annychristine831]

Best Office Apps for Android Device

With 74% holding, Android has become the most dominant mobile platform all across the globe. You can install various applications on your Android device that can enhance your entertainment experience. Apart from entertainment, you can install multiple office apps that can boost your productivity and help you in getting your work done.

In this article, we will mention some best office applications you can install on your Android device:

AndrOpen Office

With more than 4 million downloads, AndrOpen Office is the most preferred office suite among Android users. AndrOpen Office offers an office suite of 5 components: a word processor, spreadsheet, presentation graphics, drawing, equation editor.

Features of AndrOpen Office

You can view, edit, insert, and export documents in PDF format.

It supports various file formats including OpenDocument, PSD, SVG, TIFF, DIF, SLK, MET, RAS, and more.

You can access the app for free.

It supports cloud storage for Google Drive, Box.com, Dropbox, OneDrive, and other personal hardware.

It offers efficient and powerful editors and processors.

Docs To Go

Docs To Go allows you to edit, create, and view your Adobe PDF files on your Android device. It offers basic features like word processing, spreadsheet, and presentation editing.

Features of Docs To Go:

The app offers an Android smartphone version as well as a tablet version.

You can save the changes directly to your smartphone, memory card, and various cloud storage.

The app supports English, French, German, Spanish, Italian, Portuguese, Brazilian Portuguese, Russian, Turkish, Japanese, Chinese, Korean, Arabic, Polish, and Czech languages.

You can sort your saved files by Name, Modified, Size, etc.

The app offers high fidelity viewing by hyperlinks, bookmarks, comments, footnotes, endnotes, embedded graphics, table of contents, and more.

The other “WORD TO GO” features include paragraph alignment, editing of bullets and numbering, find and replace function, word count and you can also track your changes.

Their “SHEET TO GO” features include sorting, auto-fitting, cell and sheet formatting options, chart viewing, and finding the next option. You can also rename, insert, and delete the worksheets.

Their “SLIDESHOW TO GO” features include viewing of speaker notes, flicking through slides, rehearsing timings, editing, and sorting slides.

You can view your PDF files with options like page view, word wrap, auto-rotate, bookmarks, etc.

Google Drive

Google Drive offers one of the most efficient suites of office apps. Google Drive’s suite includes a PDF Viewer, Google Sheets, Google Docs, Google Slides, and Google Drive.

Features of Google Drive:

With Google Drive, you can easily store and access your files anywhere.

You can search your files by name and content.

You can set the accessibility of your files and folders.

You can view your content offline as well.

The app sends a notification about any recent activity on your files.

Google Drive offers free storage of 15GB, which can be shared across Google Drive, Gmail, and Google Photos. But if you wish to expand your cloud storage, then you can upgrade to their subscription-based plan.

Microsoft Office

Microsoft Office offers a variety of tools to increase your efficiency and productivity. Its Office suite includes Microsoft Word, Excel, PowerPoint, OneNote, OneDrive, Outlook, and Teams.

Features of Microsoft Office:

You can access Microsoft Word, Microsoft Excel, and PowerPoint for free.

You can open and edit your files with various editing tools.

Your files will automatically sync to your desktop via OneDrive.

You can easily access the basic features of Microsoft Office for free. However, you can easily upgrade to their premium version to unlock some advanced features.

Microsoft Remote Desktop

As its name suggests, Microsoft Remote Desktop allows you to access your Microsoft PC from your Android smartphone remotely. You can set your PC for remote access and then connect it with the “Microsoft Remote Desktop” app.

Features of Microsoft Remote Desktop:

The app allows you to access remote resources published by your admin.

You can connect remotely by a “Remote Desktop Gateway.”

You can do high-quality audio and video streaming.

It offers extensive multi-touch experience and establishes a secure connection to your data.

You can easily manage your connections from the Connection Center.

OfficeSuite

OfficeSuite is the second most preferred tool after Google Drive because it offers similar functions. With OfficeSuite, you can easily create Word, Excel, and PowerPoint presentations.

Features of OfficeSuite:

With OfficeSuite, you can easily open, view, and annotate your PDF files.

It offers various advanced features like format painter, conditional formatting, advanced formulas, presentation mode, and more.

You can save your Word, Excel, and PowerPoint files into PDF format.

You can work with fillable forms and can digitally sign your PDF files.

You can set high security for your files with enhanced security and permission management.

You can link your Google Drive, OneDrive, Box, and Dropbox account with OfficeSuite.

You get 50GB storage on MobiDrive.

You can access OfficeSuite on two mobile devices and 1 Windows PC.

OfficeSuite comes with a seven-day free trial. After the free trial, you can buy their flexible monthly and annual plans to access advanced tools and features.

Conclusion With an increase in the usability of mobile devices, the need for office apps on smartphones has also risen. The above mentioned mobile applications help you in getting your work done from anywhere. You can do various essential functions with these applications without carrying your PC.

I’m Anny. I’m a social media manager living in USA. I am a fan of technology, design, and music. I’m also interested in fitness and movies. You can attend my event with a click on the button above.

Source: Best Office Apps for Android Device

[file-formats-programming]

Save OneNote Document to HTML Stream with Embedded Resources in Separate Files using .NET

What’s new in this release?

Aspose team is pleased to announce the release of Aspose.Note for .NET 18.1.0.This month’s release includes a new feature of saving OneNote document as HTML to stream. It also introduces support for saving document to HTML with Callbacks. Aspose.Note API lets users to save OneNote document to file as HTML. From this release onwards, the API now supports exporting OneNote document to MemoryStream as HTML. The HtmlSaveOptions now introduces the capability to save resources associated with document as embedded resources of converted HTML or save explicitly on disc. It also supports saving file to Memory Stream with Embedded Resources as well as Save as HTML with Resources in Separate Files. The list of new and enhanced features added in this release are given below

Support saving to stream in html format

Saving to Stream with Embedded Resources

Saving to File with Resources In Separate Files

Saving to Stream with Callbacks for Saving Resources

Newly added documentation pages and articles

Some new tips and articles have now been added into Aspose.Note for .NET documentation that may guide users briefly how to use Aspose.Note for performing different tasks like the followings.

Create a OneNote and Save into HTML Format

Save to Memory Stream with Embedded Resources

Overview: Aspose.Note for .NET

Aspose.Note for .NET is a set of .NET components that enables developers to work with Microsoft Office OneNote files in C#, VB.NET, ASP.NET web applications, web services & Windows applications. It allows developers to open files & manipulate elements of OneNote books, from text, images & properties, to more complex elements, & then export to PNG, GIF, JPEG, BMP or PDF formats. It is a pure .NET alternative to the MS OneNote Object Model & supports OneNote 2010, OneNote®  2010 SP1 & 2013 files.

More about Aspose.Note for .NET

Homepage of Aspose.Note for .NET

Download Aspose.Note for .NET

Online documentation of Aspose.Note for .NET

[tech-latest-blog]

Whole world blaming China for Coronavirus pandemic either directly or indirectly and want to replace Chinese products with other products. Here, in this article, we are with some Chinese popular app alternatives for Android. With the cold war between countries due to coronavirus pandemic, everyone wants to boycott third-party Chinese applications and support the official products. However, most users face problems while finding the best alternative for the Chinese apps they use.

We all know we can't trust Chinese applications for privacy because either they do lots of promises but it is observed that most of the Chinese apps access our personal and private information and we remain unfamiliar with this fact. So, we should replace such applications from our phones, to protect our privacy.

If you also want to replace Chinese apps from your phone but don't know exactly to replace with which app, so we are here with 20+ Chinese popular app alternatives for Android. Read the complete post to replace most popular Chinese apps of your phone

20+ Chinese Popular App Alternatives for Android

Here we are mentioning some most popular and frequently used apps, so let's get started and free our smartphones from Chinese applications

Best Alternative of CamScanner

The most frequent app we used to scan images and make pdf is CamScanner. You can replace it with Microsoft's official product, Microsoft Office lens.

Office Lens can trim, enhance, and can take pictures of whiteboard and docs readable. Moreover, you can also use Office Lens to convert images to PDF, Word, and PowerPoint files, and you can even save images to OneNote or OneDrive It is like a scanner in your pocket.

Get Microsoft Office lens from Google Play Store.

Best Alternative of SHAREit - Google Files

The widely used and popular application for files, audio, video, images, document sharing app SHAREit is a Chinese app and claim to spy and steal data of your phone. You can replace SHAREit with Google's official product Google Files.

Google files are a faster way to free up space from your phone and share files. Moreover, it runs on smart algorithms that filter the files according to its file type. With Google files, you can share files without any internet connection in a faster and secure manner.

Download the Google Files

Best Alternative of UC Browser

UC Browser, the most prominent web browser, and most of use it to surf the web frequently, but if you are using this browser for surfing so surely you want to get rid of those so many notifications, and ads from the app, and there are many other problems associated with it. You can replace it with Firefox.

The most lovable feature of Firefox is it provides automatized privacy to you, you can see what's being blocked and moreover make your passwords portable and safe with encrypted data algorithm, with Firefox Lockwise you can save your password and make it available on all of your devices.

Download Mozilla Firefox

Best Alternative of Club Factory

Club factory an e-commerce Chines application. It may have its own features, but I never saw any satisfied customer of Club factory. It offers great deals and discounts, but the app is a complaint to deliver fake products. Instead of using such an application, you should buy products from Amazon or Flipkart.

Amazon and Flipkart both are the best e-commerce application, you will find a diverse range of products with good quality, and most of their customers are satisfied with their services.

Best Alternative of SHEIN

SHEIN another e-commerce site, but it is mostly concern with fashion including outfits and trending dresses. It offers a quantity but not quality. Again, you can't trust the Chinese products, not for privacy at least. So for SHEIN, its Chinese popular app alternatives for Android include Jabong and Myntra.

Both of the sites are just amazing, you will find have numerous products to choose and buy. Must use these two apps for changing and enhancing your online shopping experience.

Download Myntra

Best Alternative of Xender

Xender another file-sharing application. As we already mentioned you can use Google Files for file sharing and transferring. Google files are the most convenient and secure method to transfer the files without any internet connection in a very secure manner. Google files share your files after encrypting it using its cryptography techniques.

Best Alternative of VMate

VMate is a video platform, where you can watch videos moreover you can edit your own videos. But you can replace this video making application with another better adversary which is House party.

House party is a kind of face to face social network. Where being together is as easy as showing up. It is the best alternative of VMate.

Download House party

Best Alternative of AppLock

AppLock is used to lock and protect your apps including Facebook, WhatsApp, Gallery, and all other application on your phone. But what if the cop is the thief, in reality, i.e what if you get to know that this privacy providing an application is stealing your personal and private data without your permission. So to protect your data you can use another best rival of App Lock which is AppLocker by BGNmobi.

Prevent your privacy with the best and free App Lock with fingerprint support. With this App locker, you can lock all of your social media apps, gallery, and whatever you want to lock on your phone.

Download AppLocker by BGNmobi.

Best Alternative of Vigo

Vigo is a short-video social networking platform where you can share your daily live updates with your friends. You can replace it with the House party.

As we already mentioned, House party is a kind of face to face social network. Where being together is as easy as showing up.

Best Alternative of FlashKey Keyboard

FlashKey Keyboard you can replace it with the best keyboards such as SwiftKey Keyboard and Gboard. To choose best from these two read this Google Gboard Vs SwiftKey Keyboard – The Best Android Keyboard

Best Alternative of Turbo VPN

Turbo VPN is a Chinese private network and again you can't risk your privacy by giving it into Chinese hands. If you use TurboVPN so replace it quickly with other VPN's. You can use the Express VPN instead. Follow this article to know more about VPN's Top 5 Best VPN Available Right Now.

Download Express VPN

Best Alternative of PUBGM

PUBG mobile is the most played game but you have its better alternative which is COD (Call of Duty) Mobile. Once you will use it you will surely forget about PUBG and other mobile games.

COD is a first-person shooter Activision's game, it is first focused on the game set of World War II, however, with the change of time this series is set to the modern times' cold war, futuristic worlds, and outer space.

Download COD

Best Alternative of BeautyPlus

BeautyPlus is a Chinese photo filtering app; you can replace it with some better professional photo-editing tools including Snapseed or PicsArt. To choose best among both read this Snapseed Vs PicsArt – Which One to Choose?

Best Alternative of Parallel Space

By using Parallel Space, you can clone and run multiple accounts of the same app simultaneously. Use Firefox Multi-account container instead of using Parallel Space.

Firefox Multi-Account container is a Firefox add-on that lets you separate your work, shopping, or personal browsing without having to clear your history.

Download Firefox Multi-Account container from here.

Best Alternative of DU Recorder

DU recorder is another app that is used to record gameplay videos, screen videos, and other things. You can replace this app with AZ Screen Recorder.

AZ Screen Recorder is a stable, high-quality screen recorder for Android that helps you record smooth & clear screen videos. With a ton of features like screen capture, screen video recorder, video editor, live stream screen, this screen recording app provides an easy way to record screen videos such as video tutorials, video calls, game videos, live shows, and videos that cannot be downloaded.

Download AZ Screen Recorder

Best Alternative of ES File Explorer

Again, another file managing application. And as already mentioned you can replace such file managing apps with Google LLC product Google Files.

Best Alternative of QQ Launcher

QQ launcher is an Android launcher but you'll use Nova Launcher rather than this QQ launcher. NOVA launcher may be a popular launcher for Android devices, which primarily focused on customizations.

Nova Launcher could also be a strong, customizable, and versatile home screen replacement. Nova brings advanced features to reinforce your home screens, but remains an excellent, user-friendly choice for everybody. Whether you would like to completely overhaul your home screens or are trying to find a cleaner, faster home launcher, Nova is that the answer.

Also Read: Top 10 Android Launchers in 2020

Download NOVA Launcher

Best Alternative of WeChat

WeChat is a Chinese messaging, social media app developed by Tencent. The best alternative for this app is WhatsApp.

WhatsApp is an amazing messaging and social networking app that provides powerful, flexible, and diverse options. The app comes up with numerous features. I would highly recommend using WhatsApp instead of WeChat. Moreover, WhatsApp provides ends-to-ends encryption to secure your messages from third parties.

Download WhatsApp

Best Alternative of Helo

Helo is another Chinese social-networking app used to connect with people around. Instead of using Helo, you can opt for a better option i.e. Instagram.

Instagram is a staggering application and best alternate of the Helo or much better than Helo. Once you start using Instagram you will fall in love with it because it offers such spectacular features.

Download Instagram

Best Alternative of TikTok

TikTok another important reason for people to replace the Chinese application, With the recent controversies between YouTube and TikTok most people want to replace TikTok with some better apps. You can replace it with Funimate. Know More why people disliking TikTok TikTok Rating Drops to 1.3 as Indian Youtuber’s Fanbase Exasperated

Also Read: The Bitter Truth Behind Overhyped TikTok Rival Mitron App

Funimate is another and best alternative to the Tiktok, you can create your own video as you want, you can perform numerous video customizations and make your video more fascinating.

Download Funimate

Best Alternative of TrueCaller

TrueCaller is a caller identification app, which detects the name and other details of the caller and shows this to recipients so that they can easily detect who is calling them. You can replace it using Show Caller it is the best opponent for TrueCaller, it has almost similar features, but light-in weight and its searching is quicker than the TrueCaller.

Download Showcaller

Wrapping Up

We reached at the end of this article, and we have discussed 20+ Chinese popular apps alternative for Android. I hope you would like the articles and surely try best alternates to Chinese apps. These alternatives are much better than the Chinese applications, and I am sure you will love them once you start using them.

via TechLatest

[udemytutorialfreedownload]

5 Alternative Apps to Zoom App

Zoom gained an enormous traction in a brief span of time as a number of persons are working from house due to the coronavirus outbreak. The video convention app pulled in additional than 200 million day by day lively customers final month — considerably up from a most of 10 million customers beforehand. Nevertheless, regardless of its skyrocketing development, Zoom has been below fireplace over safety issues. From faculties and officers to varied governments, folks have been requested to chorus from utilizing the app. The Indian authorities additionally not too long ago warned its officers in regards to the Zoom. Additionally, a few of its customers have alleged that the app sends information to third events situated in China.

That being stated, its key options corresponding to having the ability to video-conference with up to 100 folks without cost (up to 500 members in paid plans) and recording help make the Zoom app an ideal answer for digital conferences. The app can be out there throughout platforms and might allow video calling by means of cell gadgets. However in the event you do not belief Zoom and are search for succesful alternate options, you are in the appropriate place.

Right here, we’re itemizing high 5 free alternate options to the Zoom app to assist together with your video calling wants.

Cisco Webex Conferences

Cisco is providing free entry to its Webex Conferences in all international locations the place it’s out there to help the earn a living from home wants through the coronavirus outbreak. Regardless of being out there as free, you may get all enterprise options together with limitless utilization with no time restrictions, help for up to 100 members, and a toll dial-in as well as to Voice-over-Web-Protocol (VoIP) capabilities. All you want is to sign up on the Cisco Webex portal to get began with the Webex Conferences. General, the expertise that is been supplied by Cisco is nowhere restricted when evaluating with Zoom.

Skype Meet Now

For customers who do not to go along with an extremely enterprise-focussed answer like Cisco Webex, Microsoft not too long ago introduced Skype Meet Now that serves as a substitute to Zoom. It really works with out requiring an account and helps up to 50 members — all without cost. You may additionally get options corresponding to the flexibility to document calls, blur background earlier than getting into the decision, and display screen sharing. Furthermore, you simply want to go to the dedicated webpage to start with Skype Meet Now.

Microsoft Groups

If you don’t need an answer simply to make video calls, you’ll be able to take a look at Microsoft Groups. It’s also available for free through the pandemic. The free model brings limitless chat and search, group and one-on-one audio and video calling, and 10GB of workforce file storage together with 2GB of private file storage per particular person. If you have already got an Workplace 365 account, you may get real-time collaboration with Workplace apps for Internet, together with Phrase, Excel, PowerPoint, and OneNote.

Discord

Discord has additionally emerged as a robust various to Zoom, thanks to its video conferencing capabilities that allow you to join with up to 50 members directly. The platform is in style amongst avid gamers, although you should utilize it as a device to talk together with your workplace workforce or some mates. You can even obtain its cell app to join together with your contacts utilizing your smartphone. There are additionally options to share your display screen or carry out voice calls. Similar to different free alternate options to Zoom, Discord offers video conferencing for free of charge. You simply want to sign up on the Discord website or by means of its app to get began together with your digital conferences.

Google Hangouts

If you don’t need to use Discord for any purpose, you’ll be able to go for Google Hangouts, which can be an honest, free various to Zoom. You may make video calls with up to 10 participants or chat with up to 150 members directly. Google additionally enables you to host video calls or discuss together with your colleagues by means of textual content messages utilizing a cell machine. Additional, being a Google product, Hangouts simply wants your Gmail account to allow you to get began. If you’re open to pay, you may have the option to enhance the restrict for video calls to up to 25 members as effectively.

What else you’ll be able to take a look at as a substitute to Zoom

Since video conferencing is not new, there are a number of different options available in the market that may cater to your demand. You will get Google Hangouts Meet that’s out there without cost for all G Suite customers till July 1 and offers options corresponding to up to 250 members per name, stay streaming for up to 100,000 viewers inside a site, and the flexibility to document conferences and save them to Google Drive. If a Google answer is not one thing you need to your conversations, you’ll be able to contemplate Jitsi Meet that can be accessed by means of your desktop or laptop computer or utilizing a cell machine. You can even join it together with your Slack. There are additionally paid options corresponding to Zoho Meeting and GoToMeeting that you may get without cost below a trial.

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[financingideas-blog]

The Best Student Discounts You Don’t Want to Miss Out On

New Post has been published on https://financeqia.com/awesome/the-best-student-discounts-you-dont-want-to-miss-out-on/

The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these bargains, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summertime breaking. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount–the money you’ll save adds up promptly!

Amazon: All you need is an active. edu email address, and you can get six months of Amazon Prime for free. After your trial aims, you can get a Prime Student subscription for $49 annually, which is less than half the normal cost. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with research studies! Additionally, students can get an Apple Music subscription for half-price ($ 4.99/ month ). FedEx: If you need to mail something, FedEx might have the best bargains around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and bargains to students who register–it’s free. The offers vary, but include discounts on apparel, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your buy and money back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school years. The New York Times: For$ 1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate remains the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/ month. A Spotify Premium subscription is typically $9.99/ month, and Hulu starts at $7.99/ month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel requires covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares( for example, NEWFOR2 0 will get you an extra $20 off your first international flight ). This is a great resource for summertime journeys, study abroad, and travelling between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including style, beauty, traveling, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ scheme, most insurance companies offer discounts for students, you maintain good grades. Print out your transcripts or present your most recent report card to your agent to ascertain your eligibility. Cell Phone Plan: T-Mobile offers discounted devices to students. AT& T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains( AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the inexpensive tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country( if not the world ). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Cloth and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no, ” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, reveals, and more.

Have a favorite student discount that’s not on the listing? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees

Check out the testimonials and our in-depth review! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR( with AutoPay ). Variable rates from 2.540% APR to 7.115% APR( with AutoPay ). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on word of loan. Consider APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment is likely to be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. Consider eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic allowance from a savings or checking account.* To check the rates and words you qualify for, SoFi conducts a soft credit investigation. Unlike hard credit investigations, soft credit investigations( or soft credit pulls) do not impact your credit rating. Soft credit inquiries let SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting bureaux, which is considered a hard credit investigation. Hard credit inquiries( or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate scopes are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and gratify SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible fiscal history and satisfy other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible fiscal history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state limiteds. SoFi refinance loans are private loans and do not have the same repayment alternatives that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp ., NMLS# 1121636.( www.nmlsconsumeraccess.org)

2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10 -year( non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https :// www.earnest.com/ eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR( with Auto Pay) to 7.89% APR( with Auto Pay ). Variable rate loan rates range from 2.54% APR( with Auto Pay) to 7.27% APR( with Auto Pay ). For variable rate loans, although the interest rate will differ after you are approved, the interest rate will never surpass 8.95% for loan terms 10 years or less. For loan words of 10 years to 15 years, the interest rate will never surpass 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%( the maximum rates for these loans ). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate( LIBOR ). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the a few months LIBOR. The rate will not increase more than once per month. Earnest rate scopes are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you induce monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent( 0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, intermission, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS# 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401 N, San Francisco, CA 94107. Words and Conditions apply. Visit https :// www.earnest.com/ terms-of-service, email us at hello @earnest. com, or call 888 -6 01 -2 801 for more information on ourstudent loan refinance product.

( c) 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate alternatives consist of a range from 3.75% per year to 5.80% per year for a 5-year word, 5.14% per year to 6.25% per year for a 7-year word, 5.24% per year to 6.65% per year for a 10 -year word, 5.30% per year to 7.05% per year for a 15 -year word, or 5.61% per year to 7.27% per year for a 20 -year word, with no origination fees. The fixed interest rate are applicable to until the loan is paid in full( whether before or after default, and whether before or after the scheduled maturity date of the loan ). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year word would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year word would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10 -year term would be from $107.24 to $114.31. The monthly pay for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15 -year word would be from $80.65 to $90.16. The monthly pay for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20 -year term would be from $69.41 to $79.16.

However, if the borrower chooses to build monthly payments automatically by electronic funds transfer( EFT) from a bank account, the fixed interest rate will decrease by 0.25%, and will increase back up to the regular fixed rate described in the preceding paragraph if the borrower stops building( or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year word, 4.90% per year to 6.40% per year for a 10 -year word, 5.15% per year to 6.65% per year for a 15 -year term, or 5.40% per year to 6.90% per year for a 20 -year word, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of each month( “Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate( LIBOR)( currency in US dollars ), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate( APR) will increase or lessening when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10 -year term loan, 2.65% to 4.15% for the 15 -year term loan, and 2.90% to 4.40% for the 20 -year term loan, respectively, to the 1-month LIBOR index published on the 25 th day of every month immediately preceding each “Change Date, ” as defined above, rounded to two decimal places, with no origination fees. If the 25 th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25 th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year word would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10 -year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15 -year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20 -year word would be from $68.23 to $76.93.

However, if the borrower chooses to attain monthly pays automatically by electronic monies transfer( EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops stimulating( or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation class, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for benefits refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible nation to qualify for a loan. Certain membership requirements( including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, words, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with , nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered words are subject to change. Loan are offered by CommonBond Lending, LLC( NMLS# 1175900 ). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan word selected and will be within the scopes of rates shown.

All Annual Percentage Rates( APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Revealing: Variable rate, on the basis of the one-month London Interbank Offered Rate (” LIBOR “) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2. 48%. Variable interest rates range from 2.98% -9. 72%( 2.98% -9. 72% APR) and will fluctuate over the word of the borrower’s loan with changes in the LIBOR rate, and will differ based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89% -9. 99%( 3.89% -9. 99% APR) based on applicable words, level of degree earned and presence of a co-signer. Lowest rates presented are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount revealings. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure datum before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based refund alternatives or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http :// studentaid.ed.gov /. We also have several resources available to help the borrower make a decision at http :// www.citizensbank.com/ EdRefinance, including Should I Refinance My Student Loans ? and our FAQs. Should I Refinance My Student Loans ? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive pays of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident foreigner with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer( if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not reached the age of majority in their state of residency, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/ consumer credit agreement, verification of application info, certification of borrower’s student loan amount( s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer( if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer( if applicable) have submitted a completed application permitting us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, charge card account, or other student loans owned by Citizens Bank, N.A. Please note, our the monitoring and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Restriction of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such day as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when pays are not due, such as during patience. If our loan servicer is unable to successfully withdraw the automatic allowances from the designated account three or more days within any 12 -month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after stimulating 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments shall be considered as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as one of the purposes of the review. Borrowers who use deferment or patience required to construct 36 consecutive on-time pays after reentering refund to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an have applied for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the have applied for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents.

2. 54%- 7.12% 3Undergrad& Graduate

Visit SoFi

2. 54%- 7.27% 1Undergrad& Graduate

Visit Earnest

2. 67%- 8.96% 4Undergrad& Graduate

Visit Lendkey

3. 23%- 6.65% 2Undergrad& Graduate

Visit Laurel Road

2. 69%- 7.43% 5Undergrad& Graduate

Visit CommonBond

2. 98%- 9.72% 6Undergrad& Graduate

Visit Citizens

Our squad at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or ad fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process , nor do we stimulate credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post The Best Student Discounts You Don’t Want to Miss Out On seemed first on Student Loan Hero.

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The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these deals, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summer break. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount—the money you’ll save adds up quickly!

Amazon: All you need is an active .edu email address, and you can get six months of Amazon Prime for free. After your trial ends, you can get a Prime Student subscription for $49 annually, which is less than half the normal price. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with their studies! Additionally, students can get an Apple Music subscription for half-price ($4.99/month). FedEx: If you need to mail something, FedEx might have the best deals around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and deals to students who register—it’s free. The offers vary, but include discounts on clothing, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your purchase and cash back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school year. The New York Times: For $1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate stays the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/month. A Spotify Premium subscription is typically $9.99/month, and Hulu starts at $7.99/month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel needs covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares (for example, NEWFOR20 will get you an extra $20 off your first international flight). This is a great resource for summer trips, study abroad, and travel between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including fashion, beauty, travel, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ plan, most insurance companies offer discounts for students, provided you maintain good grades. Print out your transcripts or show your most recent report card to your agent to determine your eligibility. Cell Phone Plans: T-Mobile offers discounted devices to students. AT&T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains (AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the cheap tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country (if not the world). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Fabrics and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no,” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, shows, and more.

Have a favorite student discount that’s not on the list? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post The Best Student Discounts You Don’t Want to Miss Out On appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/best-student-discounts-dont-want-miss/

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The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these deals, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summer break. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount—the money you’ll save adds up quickly!

Amazon: All you need is an active .edu email address, and you can get six months of Amazon Prime for free. After your trial ends, you can get a Prime Student subscription for $49 annually, which is less than half the normal price. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with their studies! Additionally, students can get an Apple Music subscription for half-price ($4.99/month). FedEx: If you need to mail something, FedEx might have the best deals around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and deals to students who register—it’s free. The offers vary, but include discounts on clothing, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your purchase and cash back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school year. The New York Times: For $1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate stays the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/month. A Spotify Premium subscription is typically $9.99/month, and Hulu starts at $7.99/month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel needs covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares (for example, NEWFOR20 will get you an extra $20 off your first international flight). This is a great resource for summer trips, study abroad, and travel between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including fashion, beauty, travel, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ plan, most insurance companies offer discounts for students, provided you maintain good grades. Print out your transcripts or show your most recent report card to your agent to determine your eligibility. Cell Phone Plans: T-Mobile offers discounted devices to students. AT&T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains (AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the cheap tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country (if not the world). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Fabrics and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no,” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, shows, and more.

Have a favorite student discount that’s not on the list? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post The Best Student Discounts You Don’t Want to Miss Out On appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/best-student-discounts-dont-want-miss/

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The Best Student Discounts You Don’t Want to Miss Out On

Although college is expensive, it does come with some perks. One of the best things about being a student is all of the discounts that come with the title! Many companies offer discounts to students, some of which you may already be aware of, but some you may not; they’re not all advertised. To capitalize on these deals, you should be sure to always carry your student ID card with you, even when you’re not on campus or you’re away on summer break. Take advantage of having a student ID while you can; many student discounts are no longer available when your ID expires or when you turn 25 years old. Remember, it never hurts to ask if there’s a discount—the money you’ll save adds up quickly!

Amazon: All you need is an active .edu email address, and you can get six months of Amazon Prime for free. After your trial ends, you can get a Prime Student subscription for $49 annually, which is less than half the normal price. With free two-day shipping for almost anything you might need, plus Kindle eBooks and Prime Video, it’s hard to come up with a reason not to sign up! Apple: Both current and newly accepted students can get discounts on new Apple devices like Macs and iPads to help with their studies! Additionally, students can get an Apple Music subscription for half-price ($4.99/month). FedEx: If you need to mail something, FedEx might have the best deals around. Students receive 30% off the shipping cost of documents and envelopes, and 20% off the cost of packages. You must show your student ID in person to receive this discount. ID.me: This site offers specialized discounts and deals to students who register—it’s free. The offers vary, but include discounts on clothing, travel, and technology. Retailers include Sperry, Nike, Ford, and Microsoft, but there are tons of others offering up to 15% off your purchase and cash back. Microsoft: A student email address will get you free access to Office 365, which includes programs like Word, Excel, PowerPoint, and OneNote. Additionally, students get a 10% discount on Windows devices, which could come in handy as you’re prepping for the next school year. The New York Times: For $1 per week, students can get access to unlimited articles on NYTimes.com. For $1.50, students can also get access to the crossword puzzles. The best part is, the rate stays the same for as long as you’re a student! Spotify and Hulu: These streaming services are offering a bundled deal to students, who can get both Spotify Premium and Hulu Limited Commercials for $4.99/month. A Spotify Premium subscription is typically $9.99/month, and Hulu starts at $7.99/month, making this an awesome deal. StudentUniverse: Specializing in discounted hotels, flights, and tours for students between the ages of 18 and 25 years old, StudentUniverse has all of your travel needs covered. You must create a free account to access the discounted rates. Occasionally, promo codes offer greater discounts than the already discounted fares (for example, NEWFOR20 will get you an extra $20 off your first international flight). This is a great resource for summer trips, study abroad, and travel between home and campus. UNiDAYS: Like ID.me, UNiDAYS verifies your student status and gives you access to discounts and coupon codes available only to students. Categories including fashion, beauty, travel, food, and technology. You must create an account to access the offers. Car Insurance: Whether you pay for your own insurance or you’re on your parents’ plan, most insurance companies offer discounts for students, provided you maintain good grades. Print out your transcripts or show your most recent report card to your agent to determine your eligibility. Cell Phone Plans: T-Mobile offers discounted devices to students. AT&T offers monthly service discounts and discounted international plans to qualified faculty and students. Other mobile carriers may also offer discounts too; you’ll have to ask! Movie Theaters: Most large theater chains (AMC, Cinemark, Regal) offer discounted tickets for students. You’ll need to show your student ID to receive the cheap tickets. Museums: The list of museums that offer free or discounted admission to students is very long and spans the country (if not the world). Check with any you’re planning to visit, and always travel with your student ID just in case. Restaurants: Many restaurants, especially casual chains like Chick-fil-A, Qdoba, and Burger King, offer student discounts. It never hurts to ask! Retail Stores: Similarly, many stores offer special discounts for students, including Jo-Ann Fabrics and Crafts, J.Crew, Kate Spade, and more!

It never hurts to ask whether an event you’re attending or business you’re shopping at offers discounts for students. The worst anyone can say is “no,” but as long as you ask, there’s the possibility that you’ll be rewarded with discounts. Your school may be another source for discounted tickets to local sporting events, shows, and more.

Have a favorite student discount that’s not on the list? Share it with us!

This article originally appeared on Student Caffe and was written by Hannah Holley.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.540% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 20, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.54% – 7.12%3Undergrad & Graduate

Visit SoFi

2.54% – 7.27%1Undergrad & Graduate

Visit Earnest

2.67% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

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The post The Best Student Discounts You Don’t Want to Miss Out On appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/best-student-discounts-dont-want-miss/

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This Tech Tool Can Save Teachers 10 Minutes Per Class

While the fate of humanity did not rest on her pulling it off, Australian English teacher Sarah Gunn faced a daunting task. Her high school literature students at St. Laurence’s College in Brisbane had just 50 minutes to write up a formative assessment on the representation of robots and artificial intelligence in the movies. For that to happen, she had to play five-minute clips from both "The Avengers: Age of Ultron" and "Wall-E" in quick succession—twice.

I couldn’t waste time flipping between videos. I really needed a quick process.

In the past, such an assignment would have required Gunn to stream the clips through a projector and the school’s wifi—an arduous process that often left her battling lag time, poor video quality and balky sound that sometimes forced her to clamber onto a table to fiddle with speakers. With the class in the middle of an exam, “I couldn’t waste time flipping between videos,” says Gunn, who is also the school’s director of teacher performance and development. “I really needed a quick process.”

To the rescue: the video-streaming and screen-mirroring technology St. Laurence had recently installed. Using wireless presentation tools by Vivi, an education-focused company founded in Australia, Gunn was able to mirror her tablet screen on the classroom screen and play YouTube clips directly through a hardwired receiver without slowing down the school’s wifi—or her students’ work. “Vivi has been really reliable, so I’m happier and the students are much less frustrated because I’m not having to send someone down to the IT department for help,” says Gunn.

Wireless screen-mirroring, which allows the projection and sharing of device screens without cables, frees teachers from worrying about what became of the HDMI cord and which dongle goes with which tablet. It also eliminates the need for them to be glued to the front of the room—and the imperative to stand and deliver. And it saves time, lots of time.

Here are six ways the technology can maximize classroom time and boost student and teacher productivity:

1. Fewer uploads and emails

Gunn’s school has a one-to-one device policy; when she projects her screen to model her writing process, for example, students can connect their own devices to use the platform’s annotate tool to take a screenshot and add their own notes. Because Vivi works with any device or platform, Gunn’s students are free to use their Apple laptops, Chrome tablets or Android smartphones. “Previously, if I was doing annotations on my screen and then if I wanted to share that work with students, I would have to either upload it to a OneNote or email that document to students,” she says.

Sarah Gunn at St. Laurence’s College in Brisbane, Australia.

2. Quick and seamless connections

Gunn estimates that she saves 10 minutes out of every 50-minute lesson.

Gunn saves even more time by being able to set up her classroom technology within about 20 seconds of walking into her classroom. In the past, she’d spend several minutes of at the start of every class connecting to her computer, waiting for the projector to warm up, synching it to her laptop and then trying to project videos or PowerPoint files—an operation that often caused the projector to disconnect. Gunn estimates that by avoiding those hassles and little things like having to send emails of annotated documents, she saves 10 minutes out of every 50-minute lesson.

That benefits her students directly: She gets through her content more quickly, so her students are into the skill development stage of their learning faster. That will enhance their achievement down the road, says Gunn, “and it means I’m freed up to conference with students, or to run master classes with my extension students. Having that extra time has been really beneficial.”

Interested in how your teachers can benefit from Vivi? Qualified schools can pilot our solution for free. Request a demo today.

3. Greater efficiency and more flexibility

Amanda Pfeffer, a science and chemistry teacher for grades seven through twelve at the Shore School in Sydney, has found that using screen-mirroring in conjunction with a new laptop has changed the way she teaches—in part because she can move away from PowerPoint. “Chemical formulas, with subscripts and superscripts, are incredibly difficult to type,” says Pfeffer, whose school is trying out Vivi in select classrooms. “It’s really helpful to be able to handwrite things on OneNote, project them on the screen, and then for the students to be able to go back and re-access them—through a read-only file or screen capture—later on in their own time.”

Using screen-mirroring, Pfeffer is able to model how her students should construct formulas and reactions; she can also share her annotations and modifications much faster than she could before. “That way a secondary explanation of a concept can happen instantly as opposed to the next day,” she says. “That gives us time down the track to work on additional examples, or extend the students’ understanding in a different way, or talk about it from a different perspective.”

Amanda Pfeffer’s classroom notes projected for her students using Vivi.

4. Multitasking made easy

Amanda Pfeffer and Sarah Gunn's favorite classroom resources:

Vivi

OneNote

pHet Simulations

Stile

SchoolBox

ClickView

Kahoot

CommonLit

TedEd

Like most teachers, Natalie Harris, a primary teacher at St. Francis de Sales School near Sydney, could really use a clone. A multitasking screen could be the next best thing: In the past, Harris might have needed to prepare her math lesson but couldn’t because the children were using her screen. With Vivi’s pause screen feature, which allows teachers to mirror their screens and still work privately, she says she can “put the lesson up, go back to my computer and do things without the children getting disrupted.”

Pfeffer has also found the platform’s video features to be useful, if not perfect. Because Vivi works closely with educators on product development, those functions are improving. “I often start and stop a video part way through in order to replay or pause and take notes, and I asked for a better tool that I could use to scroll back and forth through video,” says Pfeffer. “They listened to that feedback and are improving that capability.”

Natalie Harris at St. Francis de Sales School near Sydney, Australia.

5. Quicker and more collaborative feedback

Harris’s students all have iPads, so after they complete writing tasks, she has them film themselves reading their own writing. Then she can easily project each student’s filmed story onto the classroom screen to share with the rest of the class. “That’s when we can give feedback and say, ‘That was good,’ or ‘You needed to put a full stop in here,’” Harris says. In the past, students couldn’t give each other feedback because they weren’t looking in each other’s writing notebooks. “But now we’re bringing our books to life and showing them up on the screens and making them interactive where the kids are able to point out mistakes and quickly edit them.”

In the past, students couldn’t give each other feedback because they weren’t looking in each other’s writing notebooks. But now we’re bringing our books to life.

Gunn says one of her favorite aspects of device-agnostic screen-mirroring is the ease of presenting student work no matter what device the student has. “If I have a model group who is doing something really well and I want to demonstrate that, I just ask one of the students within that group to flip their document up on the screen and have them talk through their processes with the class,” says Gunn. “Students are able to connect in and showcase their own work, which is leading to more autonomy and student-driven learning.” Significantly, she adds, “we’re also seeing fewer behavior issues because they aren’t waiting for things to get connected or fixed.”

6. School-wide broadcasting

Fortunately, St. Laurence hasn’t had to use Vivi’s Emergency Broadcast feature yet. But they have taken advantage of the Digital Signage feature. Last month, the school used the system to broadcast a reading in honor of Australia’s Remembrance Day, followed by a moment of silence. “None of the teachers needed to do anything,” says Gunn. “Previously the school would have had to send out a PowerPoint to all the homeroom teachers and ask them to all make sure they do that with their homeroom. Instead it was just a school-wide, consistent thing that happened at the same time. Every learner had the same experience.”

And every teacher won a little extra time.

This Tech Tool Can Save Teachers 10 Minutes Per Class published first on https://medium.com/@GetNewDLBusiness

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MS Teams for edcuation classes in schools

Some of our teachers are wanting to use ePortfolios in lessons like in Art to replace sketch books and i've been looking at OneNote / Teams / OneDrive and Google Classroom. Unfortunately it would seem that Google Classroom is way ahead of the game when it comes to this kinda thin...

"MS Teams for edcuation classes in schools" by Tim Hobson originally published November 14th 2018 in Microsoft Teams topics

Some of our teachers are wanting to use ePortfolios in lessons like in Art to replace sketch books and i've been looking at OneNote / Teams / OneDrive and Google Classroom. Unfortunately it would seem that Google Classroom is way ahead of the game when it comes to this kinda thing. Maybe i'm missing something in MS's offering but it seems like Teams isn't completed as a full package.

 I've been doing a bit of a walkthrough on both systems and teams. Here are my notes:

 MS Teams Walkthrough:

 Looking at Teams, I've been doing a complete walk through of this and things don't look good for Teams either - maybe i'm missing something but it seems VERY clunky and not well thought out. I've got 4 users -Test Staff which is the teacher of the class and 3 test students (2015, 2016, 2017). Teststaff opens MS teams and creates a new team - selects Classes and gives it a class code / description. Teststaff proceeds to add the 3 students to the class. An email is sent to all 3 users as a notification to say they have been added to the class - perfect so far. This is where it starts to fall down. Teststaff clicks on assignments and creates a new assignment or a quiz. Teststaff assigns this to all students of the class and gives it a name. In this case it's called Module 1 - teststaff assigns the assignment. A toast notification pops up in the bottom right of the teststaff's screen but no email notification is pushed out to the 3 students, therefore students don't know about this assignment unless the teacher tells them. All 3 students create a piece of work on their OneDrives and hand-in their work. No notifications to Teststaff that work has been handed in. The only way Teststaff knows if any work has been handed in is via Assignments > Click on the relevant assignment > Review. Only then will Teststaff see who has handed in their work. As mentioned, there are no notifications to either students / staff about this process. I would have expected at least a notification to the teacher to say that x student has handed in their work or even an email to the student to say You've handed in x piece of work. Once the work has been handed in, Teststaff reviews the work to see who / what has been handed in. Teststaff is able to give feedback and return the work back to the student however there is no notification to students to show this. No where does it show work has been handed back to students. (Only in the feeds does it show this). Feedbacks not logged correctly either to show progression. There is no way to see past history of feedback that has been given to users. Student is unable to provide a comment or feedback to the teacher on what has been changed. Teacher not notified work has been handed back by the student.

 Google Classroom Walkthrough:

 Unfortunately Google Classroom seems the better product here as a side by side comparison. It seems to work in the same kinda way however it's liter than MS Teams, smoother and quicker.

 Teacher logs into Classroom > Creates a class and gives it a name / section / subject / room. Once the class is created teacher browses to People or Classwork. Teacher can add students based on typing in their email address. An email is sent to the student asking them to join the class. Clicking join enrolls them into the class. If however a student opens up classroom > classes and sees there is a class to join they are able to decline it which is a bit of a pain :/

 If a teacher assigns an assignment to the class an email notification is sent to all students of the class to say a new assignment has been create. Students are able to open the assignment from their emails.

 Teachers are able to disable chat within the class - this is done Stream > Cog > Disable class comments. Essentially this is chat within the class.

 All work is edited and saved in Google Drive.

 Students are able to Turn-in (hand in) work from Google Docs, attachments or a link so O365 documents *could* be used here but the majority would just use Google Drive. There is an issue though when a student hands in work for the first time. The teacher does not get a notification to say when this process happens. It would be better if an email was delivered to the teacher each time a student handed a piece of work in.

 There is a feature called private comments, this enables a private and logged conversation between teacher and student. Notifications from student to teacher are sent to teacher mailbox and vice versa. 

 Teachers are able to either edit the document or suggest changes and a comment log is logged if a teacher wants to explain why the suggestion has been made. 

 My concern here is that staff members could change and alter the document and submit it as a student's piece of work. Even when returning the document to the student the teacher is still able to go in and edit the document. 

 An email is sent to the student informing them that a document has been returned. 

 Google Drive shows who and when the document was last edited.

 If a student re-submits a document, the teacher is informed of the re-submit to their email address. 

  Is anyone else in the same boat? Am i missing the point with Teams  / OneNote?

Thanks

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