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The health industry is one industry which will never have to face the recession. People will always fall sick and doctors will always have to work. Sick people require insurance and that means more paperwork for doctors. If a doctor needs to get paid from the insurance company, they have to make sure that their paperwork is in order. For this reason, insurance companies, doctors and third party agencies will have to deal tons of paperwork which verifies patient treatment and authorizes payment for it. As a result, trained health information management professionals are going to be in demand. A health management professional will maintain and tabulate heath records through traditional paper methods as well as through electronic means. They may also develop information systems that collect health data, develop health policy based on that data and identify current and future information needs for standardizing and tabulating data and paperwork of an institution or for a private medical professional.
Entrance Requirements for the Health Information Management Degree Program
Usually, the health management professional degree may be offered in associate, bachelors, certificate and post graduate form. Students can choose the type of degree that they want. Students who are interested in taking up the health management professional course should start preparing for the course by taking up additional health related courses right in high school. Additional credit course in biology, medical ethics, anatomy, math, science, data and statistics, and medical terminology are a tremendous help. If your school offers it, it would also help if you complete basic courses in health care statistics, computer statistics, medical insurance and reimbursement, computer tally and modern computer-based data management procedures. This can be followed by a undergraduate degree in allied health fields or health fields like nursing; or the candidate can join the health management professional course immediately.
Types of courses
1. The health management professional bachelor’s degree is usually three to four years long. Most employers will prefer a bachelors degree as it provides the right amount of training in health coding, information management, health science, treatment protocols and basic and advanced research skills. The bachelor’s course will cost about $49,140 – $54,540 and it can be a little expensive.
2. As a result, students may opt for certificate courses that will last for 6 months or for associates degrees that will last for 16 months to 24 months. The certificate course will be the cheapest at about $10,000 or less while an associate degree will cost about $27,300 – $28,500.
3. There are on line programs as well and the cost of these courses will vary. Please ensure that you only enroll with accredited and licensed HIM schools for the course.
We recommend that you find HIM schools by checking with the Commission on Accreditation for Health Informatics and Information Management Education. This association is the official accreditation and licensing authorities for all allied health courses. You can log on to the site and search the online database to find a course that is approved.
Licensing and accreditation of the Health Information Management Degree Programs
Please note that only approved courses and registered candidates are accepted by employers for posts. After completing the course, the candidate will have to sit for national registration exams and only candidates who have completed accredited courses are allowed to sit for the exam. Associates degree and bachelors degree candidates are allowed to sit for the certification exam but candidates who have complete a certificate will have to continue their studies before they can apply for the exam. The exam will provide the candidate certification in the form of a RHIT or as a Registered Health Information Technician qualification.
Future Prospects and Job Opportunities
The health information management field is a rapidly developing field and trained candidates can easily get hired quickly in hospitals, insurance companies, physicians offices and home health care services. Employment for trained candidates is expected to increase by 21% in the coming decade and this is a much higher average as compared to other professions. This demand is expected to be due to the increasing amount of health problems that are cropping up and the need for computerization and streamlining of this data. Additionally, a rapidly aging but medically aware population is more likely to opt for preventive treatments and medical tests which will generate additional information and medical records for tabulation. On an average, a trained professional can expect salaries that range anywhere from $21,240 to about $53,430. However, this salary does not include perks like medical and dental insurance, paid holidays, sick leave, educational reimbursement and paid holidays.
If you are an experienced teacher and educator interested in taking your career to the next level and making an even bigger impact on your students and the world, consider getting your online masters degree in curriculum and instruction. A curriculum and instruction masters will broaden your professional knowledge base and allow you to make positive changes in the curriculum and instruction policies of your school, university or college. An online masters degree in curriculum and instruction will teach you how to analyze current curriculum and instruction practices to make improvements in existing programs, identify where new curriculum is needed or where outdated curriculum should be cut or modified. While this is not a new licensure for experienced teachers, this is graduate level coursework that will help teachers improve their schools and school systems.
To be eligible for the online masters degree in curriculum and instruction, you must be a licensed teacher with an undergraduate degree in education. Additionally, you will need to submit professional letters of recommendation from instructors you have studied under. All of your college transcripts, high school or GED transcripts, copy of your teaching license and professional letters of reference must be received in sealed envelopes. Additionally, you will need to take and pass the GRE within five years prior to applying for admission.
A typical curriculum and instruction masters will include thirty six hours of graduate level coursework. These courses include coursework in classes in Educational Research and Statistics, Education Tests and Measurements, Advanced Educational Psychology, Advanced Foundations in Education, Curriculum Theory and Development, Literacy and Diversity, Improving Instruction, Computer Literacy for Educators, Group Process in the Classroom, Teaching the Gifted Child, Reading and Language Arts in the Content Areas, Inclusionary Classroom Practices and a capstone experience of Practicum in Curriculum and Instruction. The capstone experience will give you valuable real world experience in putting theory into practice and will help you understand how to implement changes and instruct a diverse group of students so when you finish your online masters degree in curriculum and instruction you are ready to hit the ground running in your school system.
Depending on how many courses you take at a time, most students can complete the curriculum and instruction masters degree in as little as a year and a half to two years. The program is designed to allow you the time and freedom to continue to meet your school work and home obligations while furthering your knowledge base and allowing you to grow within your chosen field. Completing a program in under two years allows you to keep the goal in sight and makes it a realistic, doable way you can improve your earning potential while helping improve your school system.
Once you have completed the curriculum and instruction masters, you can earn more as a teacher in your current school system. Additionally, you can grow into administrative or leadership positions such as becoming a principal, vice principal or even in government positions in curriculum development. No matter which career path you choose, earning your curriculum and instruction masters will help you advance and enhance your position as an educator.
Entering the filed of education is a way to make an immediate impact on the community you live, work and play in. Shaping the minds and attitudes of learners is a certain way to make an impact on the world and to help leave your mark. If you are interested in gaining a better understanding of everything that goes into creating meaningful, instructional, diverse and timely educational programs for your school and school system, consider seeking an online masters degree in curriculum and instruction. You will be able to expand your expertise while helping shape the curriculum of students thereby shaping the world around you. Teaching is a giving, nurturing career that can make a real difference in the lives of students and their communities. Giving yourself the extra education involved in a curriculum and instruction masters degree ensures that you are giving your all and doing everything you can to provide the fullest, most through, and effective education for all of your students and will help you make a huge impact on your school system and community.
The paralegal field is set to boom in the next few years with even more jobs than there currently are available. If you have a knack for research, and enjoy reading, writing, and have great organizational and communication skills, a career as a paralegal may just be the right career for you. Consider getting an online paralegal degree, as it is most convenient if you are working full-time or are a stay at home parent. Achieving a paralegal online degree has many benefits, such as being able to do the school work around your schedule, stay home with your children, and avoid the high gas prices of traveling to a campus classroom.
There are numerous universities in the U.S. that offer paralegal programs, both online and on the campus. University of Phoenix offers a Paralegal Studies program online, as well as in a classroom setting. Other popular colleges for the program are Quinnipiac University, Colorado State University, Drexel University, Fortis College, and Grand Canyon University, among many others.
At various different schools, there are different entrance requirements to be admitted into the paralegal programs online. However, some basic requirements for many of the schools are to complete some general courses before your paralegal studies courses begin, to have a minimum GPA as specified by the specific college, and usually some kind of essay that expresses your interest in the program or your career goals. After satisfying these requirements, you most likely will be admitted into the paralegal studies online program. The programs are offered as certificate, Associates degree, and Bachelor’s degree program. Many individuals who decide to enter into a paralegal program, are interested in the field of law, but do not want to spend years in school or to become a lawyer.
You can expect to take certain core classes, as well as some common electives while attending a paralegal program. You probably will have to take some type of legal research course, which will prepare you for determining what sources are legitimate, summarize what you have read into various types of documents, and learn how to use different search tools such as databases and legal journals. Other courses you may take are Contract Law, Torts & Civil Litigation, Law Office Management, Family Law, Criminal Law, and some sort of internship or practical course that will require you to complete projects and exams that will help you to synthesize what you have learned throughout your courses.
If you are interested in the paralegal field, you likely already have some kind of idea of the tasks and responsibilities that you will have as a paralegal. It is important that you can conduct legal research, but some other skills that you may need based on your level and what area of law you are in are to be able to file various documents, help to conduct interviews, assist with the law library, help to manage the office, take notes during meetings, and several others. As you start out, you will be entirely under the supervision of an attorney, and work you way up to having more independence as you gain more experience.
The job outlook for paralegals has been stated as being excellent. According to the Occupational Outlook Handbook, the growth for positions in the paralegal field is 18% between 2010-2020. The competition for these jobs will be strong, and those individuals who have experience and have been formally trained will have the best chance at being chosen for jobs. Paralegals are needed in many different organizations, although they work most often in government agencies, law firms, and corporate legal departments. Legal services is where the majority of paralegals are employed, with 70% of paralegals working in this particular area. Specialty areas include family law, environmental law, corporate law, criminal law, intellectual property law, real estate law, bankruptcy law, and many others.
Paralegals often work full-time, and especially when there are deadlines, they will work overtime. They typically will work year-round, though there are some firms or agencies which only hire paralegals at certain times of the year, when the firm or agency is busiest. Although it is a demanding and challenging career field, most paralegals express satisfaction with their career choice.
Radiology is a specialized field that requires technical education and training. Some radiology students obtain their training by completing an Associates Degree or certificate program in this field. The duration of these programs may range anywhere between 6 months to two years. However, those individuals who want to truly advance in this profession should consider obtaining a Bachelors in Radiology from a qualified institution that offers training in this field. A Bachelors degree in radiology will qualify you in the use of machinery such as x-ray, computed tomography, ultrasound and MRI (magnetic resonance imaging) equipment. In addition, you will obtain the educational knowledge and skills to qualify for advanced positions in radiology such as program director, lead technologist or trainer.
The first step towards becoming a radiologist is to enroll in a radiology training program. Your choice of program will depend a great deal on your level of interest and background in this field. Certificate and associate degree programs are available for those new to the radiology field as well as to those with past experience who desire to gain certification for their field. These programs generally provide the minimum amount of training required for entry level jobs.
Individuals who are interested in gaining advanced training and skills should enroll in a Bachelors degree program. By completing a more extensive training program, you can acquire more proficient skills that will give you a competitive edge over your peers. Many colleges and universities offer comprehensive training programs in radiology. This includes such prominent institutions as Sanford Brown, University of Phoenix, Colorado Technical University, Walden University, Capella University and others. By researching your options well, you should be able to find a reputable institution to meet your needs. The level of your education will make a marked difference in your employment prospects upon graduation. Therefore, it is in your better interests to choose the best program you can find to obtain your radiology degree.
The requirements for entering college or university vary, depending on the institution you choose. However, most colleges require that students have a high school diploma and pass their college entrance exams. Some universities require a specific grade point average to enroll in their institution while others require a minimum grade on the entrance exams. College degree programs include Associates, Bachelors, Masters and PhD. A Bachelors degree in radiology generally takes four years to complete. If you opt for online studies, you may be able to complete your program in less time, with options for additional practical training programs being offered on the side.
Course of Study
A career in radiology entails a sharp mind, diligence to details and a dedication to help others as a medical technician. Most study programs include a combination of medical studies and radiology training. Medical courses may include anatomy, medical terminology, physics and medical ethics. Radiology training may include radiography and imaging, training in the use of radiographic equipment, radiographic procedures, radiobiology and radiology pathology.
Bachelor degree students have a choice of several paths they can follow in their radiology training. Those who are interested in becoming top notch radiologists can focus on studying advanced radiologic sciences and imaging techniques. Students who are more interested in landing a management position in the field of radiology would include radiology management courses in their program. Many students opt to complete a program that combines both these options for greater enhancement of their careers.
Upon completion of a radiology degree, graduates must take an exam to become licensed in the state where they want to practice their career. Radiologists can also become certified for their profession. Most all states require that radiologists be licensed before practicing their profession; certification, however, is optional. Many employers value certification as a sign of professionalism in the radiology field. Therefore, by obtaining certification, you could increase your prospects of advancing in your career.
Employment as a radiologist can be found in private and public hospitals and clinics, private physicians offices, private laboratories, etc. In addition to being a top notch radiologist, those who have completed a Bachelor degree program may also qualify for career options as supervisors of a department, lead technologists, trainers and sales reps for radiology equipment.
People enroll for masters degree because they want to get a promotion and advance their careers. A good number of them simply rush into a graduate program because their friends are doing it. Instead of researching they just plunge into the first program that they come across. Choosing the wrong program can hinder your success. You ought to know what you want before picking a program. You should then research what is out there that will effectively meet your needs. What follows are tips for choosing the right masters degree.
Before enrolling for a masters degree, there are several questions you ought to ask yourself. Why are going to graduate school? Is it because you want a bigger, fatter pay check? Is it job stability that you are after? Just for academic satisfaction? While all these are good reasons to enroll for a masters degree, you ought to keep in mind that graduate school is a huge commitment of not only time but money. It is important that you are very honest with yourself especially when establishing your personal criteria. This will come in handy when choosing which program to enroll in.
Cost is without a doubt one of the most important factors to take into consideration when choosing masters degree programs. It is true that people with masters degree earn more than their counterparts who only have bachelors degrees, for example a graduate with a bachelors degree in law may want to attain a masters in the same field with a LLM degree. Having this information will give you the confidence that you need to attend an institution with fine credentials. However, if you are not careful, it can also distract you from adjusting your monthly finances to accommodate tuition. Before signing up for masters degrees programs, it is advisable that you first conduct a thorough evaluation of your current financial status. You must be honest about how much you are able to set aside for the tuition without straining. If you do not have the money at that particular time, you may consider enrolling for the program the following year. This will give you time to save for it. You could also apply for a student loan. A good number of graduate schools offer financial aid to students. A third option would be to natter with your employer. It is possible that the company can help pay for your tuition.
In order to pick the right masters degree programs, you also need to determine the kind of learner you are. Are you weaker on particular subjects? Are you more comfortable with accelerated or traditional length of study? You must know that identifying your ideal learning conditions is crucial in choosing the right masters degrees programs. Good reading, analytical and writing skills are required in all disciplines. However, your field of choice may require that you also brush up on certain obscure subjects before starting classes. It is good to find out the study habits as well as the knowledge level required for the program that you pick.
Before your classes begin, make a point of conducting some research. Find out everything about the graduate school that you have chosen. The internet is a wonderful to do the research. You also have a chat with former graduates. Having gone through the program, they can provide information that you would not find anywhere else. Talking to the faculty as well as the students will also help you make an informed decision.
One of the key benefits of a masters degree program is stellar education. However, prior to making the final decision, you should consider the perks of different institutions. You ought to enroll in a school that offers placements services in the form of careers fairs. It should provide opportunities for students and alumni to network both on and off the campus and also to study abroad. The best school will also provide portfolio reviews as well as internships.
There are hundreds of schools offering masters degrees programs, whether the program are offered on campus or through online classes, such as a LLM online program. Choosing the right program requires some serious thought. Nevertheless, it should not be too stressful. The competitive nature of graduate schools means there are numerous options for you to choose from. You can easily find the ideal program for you. However, you need to plan and research. Among the things you should take into consideration when choosing a master’s degree program are cost and the type of student you are.
Achieving a bachelor’s degree might be enough for some graduates but there are still a number who wants to further their learning thus they proceed to graduate school to earn a masters degree. A masters degree is an academic degree that is given to a graduate student who has undergone and passed all necessary requirements and exams in the graduate school.
A masters degree holder is expected to show mastery in his or her field of study. He or she should demonstrate advance knowledge in theories and must be highly analytical. Furthermore, he or she should be able to solve complex problems and apply theories in real life scenarios.
In other countries or language, a masters degree is called magister or cognate. So, if a person has a masters degree of any kind, he or she can be labeled or called as magister or cognate.
Types of Masters Degree:
There are a lot of masters degrees known today but the two most common types of masters degrees are Masters of Arts (M.A.) and Masters of Science (M.S., M.Si or M.Sc.). Any of these masters degree can be research based, course-based, or a combination of two depending on the curriculum of the institution. A Masters of Science can include a degree such as a Healthcare Management Degree.
There are universities that prefer the Latin name of the degrees because of its flexibility. For Masters of Arts, some institution use magister atrium or atrium magister while magister scientiae or scientiae magister for masters of Science.
It should also be noted that different academic institutions make use of different abbreviation for the masters degree. For example, Harvard and Massachusetts Institute of Technology make use of A.M for Masters of Arts and S.M. for Masters of Science. In the United States, Masters of Science is abbreviated as MS or M.S. while it is MSc or M.Sc. in Europe and Commonwealth nations.
Other masters degrees are abbreviated specifically or commonly called as “tagged degrees” such as Masters of Communication as M.C., Masters of Music as M.Mus., Maters of Public Administration as M.P.A., Masters of Arts in Teaching as M.A.T, Masters of Physician Assistant Studies as M.P.A.S., Masters of Fine Arts as M.F.A and Masters of Engineering as M.Eng.
Duration of Masters Degrees
In the United States and in Japan, a masters degree is strictly a post graduate degree. This means that the person should have a bachelor’s degree first before he or she can get a masters degree. The duration of masters class in these countries can last up to six years in duration depending on how fast the person can comply the requirements and examinations set by the institution of choice.
In contrast, there are countries that incorporate the masters degree with the Bachelor of Sciences courses. This means that the person gets the masters degree after he or she had graduated from his bachelor’s degree. A good example of this is the Integrated Masters degree in the United Kingdom. Once the student opted to get a masters degree, he or she will just extend his schooling to take up dissertation subject.
In Europe, a person can be a masters degree holder after two years as long as he or she has at least three years of undergraduate studies. This is brought about by the European System of Higher Education which standardizes the acquisition of masters degrees.
In most countries, before one is admitted to a masters class, the student is required to have a bachelors degree. Countries such as the United Kingdom, Canada and the Commonwealth, require their students to have an “honours” bachelor degree before they can proceed to graduate school. There are also a number of masters degree course that requires a similar or closely related bachelor’s degree course. For example, before one can study Masters in Economics, he or she should have a Bachelors degree with a major in economics, and for a Masters Degree in Healthcare Management, one should have a BS in a similar field.
There are also academic institutions that require their students to undergo psychological exam, entrance exam, and record review (grades during college) before they admit them in their graduate school.
Future of Masters Degree Holder
There are a lot of benefits that one can enjoy once he or she gets the masters degree. According to the United States Census Bureau, a person with a masters degree earns $1.3 million more than those with high school diploma. High school graduates only earn $1.2 million for his or her entire lifetime, while bachelors degree make $2.1 million which is $400,000 short for those with masters degree. This means that in a year, a person with masters degree earns $10,000 more than those with bachelor’s degree. Not just that. Masters holder also gets promoted more often than those without.
Having a bachelor’s degree is no longer enough to be competitive in the corporate world. Since majority of applicants nowadays are degree holders, it is a wise decision to take a masters degree to further enhance your skills and knowledge in your chosen field of profession whether it be a masters in the field of business or a masters degree in education. Doing so will give you an edge over the other applicants.
However, furthering of education is not that simple. This must be given careful thoughts before you decide to enroll in a post graduate program. Good thing, masters degree resources are available to help you understand everything you need to know about studying in a graduate school.
In the olden days, the only way to get an MA is to attend in a physical school. But students can now study online because of the recent technological advancements. The opportunity of studying online has made things easier and less expensive for aspiring MA students.
Masters degree resources for specific courses must be checked first if you are planning to register in an internet based educational program. For instance, masters degree resources for educators will definitely help those students who want to become educators. This will allow them to get ideas on what they should expect as they are taking the course.
Masters degree resources also provide reliable answers about the common questions that students would like to ask. Usual concerns such as estimated costs of the MA program, benefits of being an MA degree holder, recommended online universities, etc., are addressed through these resources. More importantly, salary range and work opportunities after graduating from the institution are also explained.
Before you can register in a Masters Degree program, you will have to take and pass an entrance exam. Make sure to review the coursework before taking the tests and read resources about the program to increase your chances of passing. Reading plenty of Masters Degree resources will help you pass the screening as well as the interviews.
The cost of getting a masters degree depends on several factors. First off, the reputation of the online school can affect the tuition fees. Well-known online universities are expected to be expensive but you can still find a few schools that offer high quality education at an affordable price.
Masters degree resources also explain the primary benefits of furthering your education. Aside from acquiring a certification on your field of work, the training will also serve as a challenge for you to improve your skills and knowledge. Those who are holding a masters degree also have a better job performance than the bachelor degree holders and allow them to climb the ladder of success much quicker, as in teachers who have attained a master degree in education.
Masters degree resources also provide useful links about the job salaries in your career field. This will let you compare salary range between companies and businesses. Knowing the amount of salary that you should expect after earning your masters degree will encourage you to study harder.
Taking a masters degree course is not a leisurely walk in the park. It is a complex decision that involves money. Aside from the tuition fees, expect also to spend cash on your training materials and school requirements.
To lessen your university expenses, most masters degree resources advise students to register in an online university rather than in a physical school. The cost effectiveness of studying online will make the financial aspects less stressful. As we know, online courses will not require you to attend a regular class thus driving or commuting will not be necessary.
Another benefit of online Masters Degree programs is time effectiveness. You will not be tied down to a fixed learning schedule which means that you also don’t have to quit your current job to obtain an MA. Masters degree resources are useful in finding schools where you can study during your most convenient time.
Finally, use masters degree resources to find accredited web based universities and schools. There are hundreds of programs and courses being offered in the US but not all of those schools are credible and reputable. Hence, look for a university that has proper accreditations.
Now is the right time to pursue a Masters Degree. This will not only open doors of opportunities for you but it will also boost your self-esteem. Although this is not going to be easy, remember that you can always refer to reliable masters degree resources to help you get through the challenges of studying for an MA.
Give your toddler a set of wood blocks and watch and see the things he or she could generate from that toy. Your son or daughter’s creativity will certainly go wild while they have the pleasure of making something visible from your images which they see within their head.
Reaching them and playing with them, watching them as they develop their skills will certainly encourage them to have a playmate included in their play routines. Tune in to audio with your youngster.
Observe these development techniques with their own music skills by making use of their personal choice of instrument like the violin or perhaps some additional toddler size audio equipment. Join up and stay as a member of the “band.” Your child may take pleasure in the enjoyment you generate together.
Many of the toys and games in the marketplace tend to be academic and by finding the age appropriate kinds for your kid they will acquire several hours of fun and understand the functions of these toys at the same time.
Display cards certainly are a phenomenal example of learning. You are able to educate your son or daughter just about anything coming from pets to shades to Basics as well as 123′s and much more. It’s an exercise you will get to do collectively and can prepare them for his or her college in the future.
Our youngsters always look up to us all as their heroines and by shelling out time with them which they desire is actually permitting positive, realized actions that will help all of them reach your goals in their own potential.
Sometimes, we find our subject so boring that you don’t want to listen anymore. Drawings on your notebook, papers and even vandals on your desk are one of the signs that you are bored with your teacher or to your subject.
Then you end up crying and blaming your failed exam to your boring subject. Why not change your perception in life? Here are some tips in how to find your subject amusing and worth listening for.
Choose to find it useful – one thing that you must do is to know its use and advantage for you. Effective listeners choose to listen to the lesson to find and discover more knowledge.
Be attentive – this means you must listen and remain focused on your teacher’s discussion. You must listen to the very first discussion of your teacher so that you will understand your next lesson.
Ask questions – Don’t be afraid to ask the things you don’t understand. Teachers like their students who are honest with their selves and ask the things they don’t know.
Adjust your take noting ability – you can say that you are taking down notes but didn’t understand the lesson. Remember, it is better to take down notes and you also understand the discussion. You can also adjust the way you write your note taking by organizing the pattern of your notes.
Get to know your teacher – one thing that you find your subject boring is that you have a boring teacher or you are not familiar with him/her.
As can see, you most certainly can do better than you are doing now, especially when you start taking advantage of the aforementioned tips.
Taking a college loan from US department of education goes with some responsibilities. The one that readily comes to mind is that one has to pay back. But that is not all. If you want to take a college loan you have be prepared to study hard. This is because the US department of education will want you to show substantial academic progress when you are enrolled.
Registering for selective service for males between 18 and 25 can be a requirement for a college loan from the US department of education. Non citizens are not totally precluded, they can get loan for college too. But the thing is that they must come under the category of qualified non citizens. There is also the requirement that the applicant will be eligible to seek education beyond high school.
College loans from the US department of education are quite possible to obtain. This is true despite the fact that the department keeps strict standards. Before an applicant is deemed eligible this income, assets, family size and the number of people enrolled in college from one family.
College loan are usually given to student in eligible programs. This is especially the practice with the US department of education. The implication is that you don’t qualify by just being involved in any program at all. The program that can fetch you a college loan must be deemed eligible for you will come into consideration.
Family assistance does not bring an end to the prospect of getting a college loan. US department of education does not totally foreclose the chance of getting a college loan for those who can get some family assistance. Something can still be worked out. Usually the procedure is to deduce the cost of assistance from the expected family assistance and the amount left is what the applicant can borrow.