A student loan is one of the most important reasons behind an increasing financial crisis. A lot of students end up in debt and are unable to make the repayment of their loans. The debt keeps piling on and there is no better way to solve the financial crisis than to offer a student loan forgiveness. There are special programs which have specific eligibility requirements and benefits. These programs allow for complete forgiveness on the outstanding loan amount, which includes the principal as well as the interest. It is important to understand how the program works and how you may be eligible for the same. How to apply for the program You cannot directly apply for forgiveness of the entire loan amount. In order to be eligible for the program, you will have to prove that you have made the required number of monthly payments. You will be required to fill up the necessary forms and ensure that your loan is in the Direct Loan Program. Not many people are aware that they should be a part of the Direct Loan program in order to qualify for the student loan forgiveness program. Benefits of a student loan forgiveness program When you apply for a student loan forgiveness program, you could qualify for a complete forgiveness of the loan after a certain number of years or payments. This means you might have to make payments for a period of 10 years or clear 120 installments in total and the balance will be forgiven. Further, the program has no cap on the amount that may be forgiven through the program. This means whatever outstanding balance you may have, it may be forgiven completely after a period of 10 years of timely payment of the dues. If you are under a pile of debt and consider it difficult to repay the loan, you may check your eligibility and apply for a forgiveness program. There are different forgiveness programs such as student loan interest forgiveness, student loan forgiveness for nurses, and disability discharge student loan forgiveness. Obtaining a student loan is easy, but the repayment for the same is very important. If you do not make the monthly payments on time, you will be under a pile of debt and your credit history will be affected. In case you are unable to make the payments, you need to apply for a forgiveness program with the necessary documents as proof of past payment.

AARP is a long established organization that works to ensure a better quality-of-life for all Americans aged 50 and above. AARP provides a number of benefits for its members. Currently, they've got more than 38 million members. One of the benefits that the AARP offers is health and medicare supplemental insurance plans. This can help reduce the cost of hospitalization and medicines. While the AARP isn't an insurance company, it endorses certain insurance plans for older people provided by recognized names in the health insurance industry. AARP Health and Medicare Insurance There are different levels of cover you can choose. The higher the premium, the more comprehensive the coverage. You can also choose to pay high deductibles to keep premiums low. Premier Plans: These are like regular health insurance policies that provide more comprehensive cover. These plans generally cover 80% of usual health care expenses, like prescription drugs, preventive care, doctor visits, and hospitalization. You have to pay the deductible before the insurance will cover the remaining cost. Health Plans with High Deductibles: These plans are compatible with Health Saving Accounts. You pay a low premium, but for all claims you'll have to pay a high deductible. You can opt for these plans if you're healthy and seldom pay a visit to the doctor. You can also choose this plan if you're self-employed to take advantage of tax benefits associated with a HSA. Preventative Care and Hospitalization Plans: These plans cost the least in premiums, but you need to pay most expenses by yourself. You pay for doctor visits and prescription drugs, even within the network. These plans only cover hospitalization and outpatient procedures. Advantages of AARP Health Insurance - AARP is lenient about certain common medical conditions. With AARP, you're more likely get affordable cover even with health conditions like high cholesterol or hypertension. When going through your medical history, AARP looks at the records for the past five years. So, if you've had a serious problem like a heart attack seven years ago, but are now fully recovered, this won't affect your policy - All AARP plans provide an annual physical, a prostate examination for men, a mammogram and gynecological exam for women - AARP members can buy insurance for their dependents. This is especially useful in case there's no employer sponsored family cover AARP Medicare Supplemental Insurance These plans help cover some medical expenses that aren't covered under medicare. - AARP approves 99.94 percent of the applications they receive. It only rejects patients with chronic kidney disease - AARP does not charge premiums based on age - It uses community rating - You pay the same premium regardless of your age, health, or gender - This may translate into higher premiums when you're younger. However, it works to your advantage as you grow older - The premiums don't increase with age - AARP provides 24/7 toll-free customer service Long Term Care Insurance AARP Long Term Care Insurance can help reduce the cost of long term nursing care or residing in assisted-living facilities. AARP guaranties that premiums of these covers will remain unchanged for five years. You can call AARP Customer Service when you need in deciding the level of cover you should purchase. AARP endorsed insurance plans can help you get health cover at competitive prices. AARP is a powerful organization with a collective voice that can influence policy decisions. So, insurance companies who provide covers for AARP members take care to provide quality coverage and service.

Being a student is truly one of the best days of anyone’s life. But what is the most interesting part of it all, is the balance one learns to strike between fun and responsibilities. And managing one’s expenses well can be a fitting example for this. So, you need to have enough money for outings, rent, and yet need to manage to save a decent amount of money to buy stuff that will help with your projects and assignments, like a laptop. While the market has so many brands like Dell laptops, Lenovo laptops, HP laptops, etc., we have shortlisted four models that would be most suitable for college students. Here is a low down on the same:

• HP Spectre X360: Although this one is on the steeper side price wise, its fine feather-light body and long-lasting battery life will leave you assured that it is worth every penny you’ve paid. The 2017 model comes with a stylus, which means that you are easily able to flip this one over in case you would like to get some real-time notes or diagrams in class.
• Dell Inspiron 13 5000: Most Dell laptops are quite popular in the market and the Dell Inspiron 13 5000 just confirms that. Packed with the power and portability of a pricey laptop, a lightweight portable body, and a 2-in-1 screen, this Dell laptop is surprisingly reasonably priced. And knowing the fantastic service that the brand offers, be assured that your Dell laptop will serve you well for years to come.
• Acer Aspire E 15: The Acer Aspire E 15 is beyond doubt one of the most cost-effective laptops that is loaded with some fantastic features like a 4GB RAM, 7th generation Intel Core i3 processor, and a 1TB hard drive, among others.
• Asus Chromebook Flip C302CA: With its high speed, this one is particularly good for your research projects. It has a slim aluminum body that can also be converted to a tablet.

Make a good choice while looking out for laptops. We do hope that this list comes in handy while you are laptop shopping!

Every school or educational institution can benefit from having an integrated security system in place. But for most schools, budgets are already stretched thin, and there is always a pressure to provide a secure place for students, teachers and other school employees. Therefore, for schools, installing an integrated security system can be a boon. Here are top reasons why it is necessary for schools to invest in the integrated security system.

• Integrated security solutions offer better protection for people and assets. Use of alarm systems and video cameras can keep criminals away from your school premises. With the rise in crime against children, use of video surveillance around grounds, at the entrance and other strategic points can keep people with suspicious intentions away from your school. Or at the least, be a deterrent to any criminal activity.Use of video surveillance can also minimize and eventually stop instances of bullying in your school. It also allows teachers and school counselors to keep a tab on students who are troubled or harm others.
• Integrated security systems are budget-friendly solutions for schools. Instead of installing separate alarm systems for fire and intruders along with other security systems like access control, communication systems around the school and CCTVs, it is possible to integrate your security system with the help of custom solutions and fit it to your budget.With the money saved on an integrated system, you can further enhance your school security by installing more cameras in elevators, cafeterias, and library and also in the corridors.
• Integrated systems allow for round-the-clock protection of your school property and assets. Even if you have night security guards in place, they can’t manually protect every area of the school grounds. With remote monitoring, you can keep your school property safe from thieves and vandals at all times.With an integrated system, you can get information about any security threat in your school in an easier way. When your entire security system is seamlessly connected, it can perform better and also provide you with information and data about your school security. Overall, it is a better security solution.

Temporomandibular is a hinge connecting your jaw to the temporal bones of the skull present in front of each ear. It helps in moving your jaw, and enabling you to talk, chew or yawn. Temporomandibular disorder (TMD) is the problem with the jaw and the muscles of the face that control it. It is usually referred to as TMJ. Before we discuss TMJ treatments lets discuss its causes and symptoms in brief: It usually occurs due to injury to the jaw, the joint muscles of the head and neck due to a huge impact or whiplash. Other causes include:

• Dislocation of the soft cushion or the disc present between the ball and the socket of the joint.
• Arthritis is also one of the causes of TMJ.
• Stress can also induce pressure and tighten facial and jaw muscles due to clenching of the teeth.
• Grinding your teeth also puts a lot of pressure on the jaw which can lead to TMJ disorder.

Some of the symptoms of TMJ disorders include:

• Pain and tenderness in the face, especially in the jaw area. Feeling of constricted movement while chewing or speaking.
• Problems in opening the mouth wide.
• Jaws that get locked in open or closed position.
• Grating or popping sounds during the movement of the jaw.

The goal of temporomandibular joint disorder (TMJ) treatment is to restore the normal functioning of the jaw and relieve from the pain. There are many treatment approaches that can prove to be effective. Some of them are listed below:

• Initial TMJ treatments are called as conservative because they are simple and temporary rather than being invasive and permanent.
• As a result of this, they can be stopped in between and reversed. Since this kind of treatment provides temporary relief and can be administered for mild pain, over-the-counter pain relieving medicines and self-care may suffice. However, it is necessary that one should consult the doctor who will actually decide the degree of the treatment.
• For temporomandibular disorders that are chronic, TMJ treatments such as muscle relaxation measures, biofeedback, or cognitive behavioral therapy can be applied.
• Being one of the most common TMJ treatments, dental splints are also used. These bite plates or mouth guards help in relieving muscle tension and pain, thereby stabilizing the jaw.
• In case there is disc displacement and muscle spasm, the patient might be required to wear splint day and night for at least 2 weeks.
• Gradually, as the pain subsides, switch to putting it only during night times or when experiencing stress or pain in the jaw.

Before you decide to switch to a gluten free diet let us know what really gluten is and how does it affects your body. Gluten is type of protein found in grains. The main function of this form of protein is to give the grain its shape. Some of the grains that are notorious for having high amount of gluten in them are; wheat, rye and barley.

People who are sensitive to gluten offer suffer from an ailment called celiac disease. In this condition, the body treats the gluten in the grain as a foreign substance and attacks it thus harming the inner lining of the gut. This causes nutrient deficiency, anemia and other digestive related issues.

There are people who do not suffer from celiac diseases but still are sensitive to gluten found in the grain. The symptoms of non-celiac gluten sensitivity include severe diarrhea, bloating, tiredness.

To exclude gluten from your diet, avoid having food products made from wheat, rye and barley; some of them include breads, pasta, cereals, beer etc.

This does not mean that you deny your palate the awesome flavors that are out there. You can still have sumptuous food and pamper your taste buds.

If for a dinner, you are planning to have soup, rather than going for plain old gluten-rich soup, opt for a gluten-free lentil soup, lentils are rich in proteins and no, they are not gluten-loaded. To add to the taste, add a healthy serving of parsley or other leafy vegetable such as sautéed spinach and garnish it with fresh cream.

For appetizers, you can treat yourself with chicken salad. This salad has a great flavor, and packs a lot of healthy (gluten free) ingredients. Add a healthy serving of sour fruits and vegetables to a bowl full of chopped cooked chicken. If that is too bland for you then you can pour in a protein-packed peanut dressing which will enhance its taste.

If you had a rather exhausting day and do not wish to cook anything fancy for a dinner and still wish your dinner to be gluten free, then just add tender steak with chopped mushroom and bell peppers (sautéed preferably) to your gluten free corn tortillas, there you have it, an easy weeknight or weekend dinner idea. Garnish it with a healthy serving of fresh cilantro and grated cheese to make them taste even better.