Student Loans Present Confusion
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IN THIS ISSUE: Gamecocks slide by Jacksonville State University’s Student-Published Chattanooga for first win The Newspaper since 1934 Chanticleer WEATHER: Thunderstorm, High 82, Low 66 Thursday, September 10, 2015 Art exhibit opens at Hammond Hall Brittany Robertson Professor of Drawing, ner, to capture this im- Staff Reporter Bryce Lafferty said. age of order and chaos Along with the fac- I went with geometric On Thursday, Sep- ulty showing off their shapes. So that’s what tember 3, the faculty works, graduate student I used to create my of the JSU Art Depart- Blake Dodgen and JSU mud art,” Dodgen said. ment held an art exhibit alumna, Hannah Coo- Cooper McCauley’s that featured pieces per McCauley showed work has been exhib- in Hammond Hall off their own artwork. ited in group and solo and the Roundhouse. Dodgen was in an- shows internationally, Over the summer, other gallery in Ham- including the Houston workers and volunteers mond Hall, while Mc- Center for Photogra- put in countless hours Cauley was exhibiting phy, the Vermont Cen- to help refurbish and in the Roundhouse ter for Photography, overhaul the Hammond Brittamy RobertsonThe Chanticleer just a few feet away. Photo Beijing 2014, Hall gallery and give it Dodgen kicked off and the 2014 Pingyao, Adjunct Instructor Anita Stewart’s artwork is on display in Hammond Hall as part a new and clean look. of the Instill: JSU Faculty Exhibition on Sept. 3. Among Stewart’s art, there are his first show of the China International The exhibit was a other pieces from faculty members, along with work from a graduate student and year with a simplistic Photography Festival. way to show off the alumna. but beautiful mud art. She has been pub- new facility and to fol- “I used a variety of lished in Photo District hall were in attendance. tions, Anita Stewart, students. In the class- low a long going tradi- earth types from Ger- News and PHOTO+ Everyone got to view Adjunct Instructor rooms, we [the faculty] tion to show what the mania Springs, a fam- Magazine, as well as different forms such as of Foundations and teach the students, this professors can create. ily and dog park in numerous grants and screen printing, hand- Art History and John show is a way to show Students, members of Piedmont. I like the fellowships from insti- made pottery, paintings Oles, Assistant Pro- ‘us’ and to instill some the community and the idea of order and chaos tutions as the Society by staff members such fessor of Ceramics. professionalism in our volunteers who helped creating a meticulous as Ron Baker, Adjunct “The exhibit is a students,” Assistant to recreate the exhibit Instructor of Founda- way to reach out to the but meditative man- See ART, page 2 Department Student loans present confusion Spotlight: Nathan Cavitt ing to graduate, the and when they must Stafford Subsidized until six months after Staff Reporter odds are financial be paid back, there is Loans, Direct Stafford the student is no lon- Finance aid has helped in still some confusion Unsubsidized Loans, ger enrolled in the col- John Sterling According to an some way or another. as to what exactly Federal Parent PLUS lege at least half-time. Staff Reporter article written in According to the are student loans. Loans and Federal Stafford Unsub- National Journal, JSU website, 83% Student loans are Graduate PLUS loans. sidized loans also Business is a grow- Americans owe near- percent of students essentially borrowed Stafford Subsidized provide low interest ing industry. The keys ly 1.2 trillion dollars attending JSU have money from the fed- loans provide low in- rates but are avail- to business are the in student loans, and received some form eral government terest rates and are able to all students cogs that keep it run- the number keeps of financial aid. or private institu- available to students regardless of financial ning; finance, econom- rising every year. That’s a lot of people. tions such as banks with financial need need. The students ics and accounting. With rising costs in Yet despite the rig- that must be paid based on income and are responsible for Jacksonville State tuition, financial as- orous methods the back with interest. other information the interest with sub- University has its own sistance has almost Financial Aid depart- According to the provided on FAFSA. sidized loans and can Department of Fi- become a must rather ment takes in inform- JSU website, there No credit check is either pay the inter- nance, Economics and than a friendly option. ing each student about are four main types of required, and the gov- est during college or Accounting. A part of Whether a first- his/her student loans student loans offered ernment pays the in- the College of Com- time student at JSU taken out each year here at JSU: Direct terest on these loans See LOANS, page 2 merce & Business, the or a senior prepar- department prides it- self on its excellence. Study strategies for the beginning-of-the-semester test The College of Com- merce & Business has Adam Higgins grades. So how do fee and food are readi- breaks. Go for a facts; this practice will been accredited by the Associate Editor you ensure that you ly available on the first short walk once ev- help with understand- Association to Advance are making the most floor. The sixth “quiet” ery hour, or listen ing the subject matter Collegiate Schools of Even though it feels of your study time? floor is a perfect en- to some of your fa- and recalling informa- Business, the AACSB, like the semester has First, be sure that vironment for late vorite music. These tion during the exam. a distinction afforded only just begun, the you are studying in a night or early morn- short breaks will al- Organization is only to twenty-five first exams are less calm and quiet area. ing cram sessions. low your mind to rest, key. If your notes percent of business than a month away. Places such as res- Second, you have to and will help rejuve- are scrambled and schools worldwide. With this in mind, it taurants, coffee shops focus. Do not text, eat, nate your motivation messy, rewrite them “Students who obtain a is important to be- and even dorm rooms listen to music, watch to continue studying. in a neat and ordered major in either account- gin studying early, can be noisy and television or talk about Furthermore, it is fashion; arrange your ing or finance are among especially for those easily distract you. something else while important to think notes into groups and the most sought after with multiple tests Houston Cole Li- studying. If you find about the material sub-groups for each graduates,” said Dr. Wil- within the same week. brary is an excellent yourself needing to while you are study- category or concept. liam Scroggins, head of However, not only location for studying; make a phone call or ing. Ask yourself Another helpful the department at JSU. is it important just noise is often at a min- eat something, use questions about the strategy is to develop “It instills confi- to study, but also to imum, there are plen- this as an opportu- main concepts and study in a manner ty of helpful books nity to take a break. think of ways to re- that will lead to high handy, along with cof- Be sure to take phrase definitions and See STUDY, page 2 See FINANCE, page 2 One Large one (256)-435-7272 topping pizza $6.99 702 S Pelham Rd Order online @ www.papajohns.com Promo Code JSU699 Delivery Charges may apply. Customer pays all applicable sales taxes The Chanticleer September 10, 2015 2 LOANS, from page 1 STUDY, from page 1 have it accumulate loan allows the parent interest will con- a practice test. attention to the over- tic about how much and added to the to take out a loan on be- tinue to accumulate. Make questions all concepts and main you will need to study. principal balance half of the student, and For more informa- out of highlighted in- points under each head- Don’t expect to learn which then must be the Graduate PLUS tion on private loans, formation from your ing and sub-heading. everything for an exam paid six months af- loan allows gradu- ask one of the local notes and textbook. If Pay particular atten- in one or two nights. ter the student is ate students to gain banks and they can as- you have taken quiz- tion to conclusions and With upper-level no longer enrolled financial assistance in sist on the varying in- zes in a class, include closing remarks at the college courses, it at least half-time. order to finish school. terest rates and require- the quiz questions end of each section. may be necessary Other important Both of these loans ments of taking out a in the practice test. If studying for an to begin studying as loans are the Fed- must begin repay- private student loan. When reading the essay-format test, be early as two weeks eral Parent PLUS ment after the final textbook, don’t just sure to develop a de- before the exam. Successful repay- Loan and the Federal disbursement of aid focus on key terms tailed outline to look Everyone learns at ment of student loans Graduate PLUS loan. for the year, only in and definitions. over. Or perhaps write their own pace and in can help create a Both of these loans the case of the Gradu- While it is true that a practice essay the their own way, so take strong credit history, are low interest but re- ate PLUS loan is the some of them may be day before the exam.