Archive for March 28, 2012

Snoring: The Silence Killer

Stop SnoringSnoring can be a troubling problem for couples. The person who snores often is unaware of it, but their spouse is forced to deal with a noisy saw night after night. Sometimes it is a small saw, and sometimes it sounds like a chainsaw. Once the spouse is awake they will often try to do something to wake up the snorer, such as making loud noises, shaking the bed or even kicking their partner. Pretty soon both people are lying awake, angry with each other. It can be a vicious cycle.

40% of adults snore, and it is more common among men than women (although post-menopausal women snore almost as much as men). It is also more common among those who are overweight.

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Student loans provide learners nationwide with financial assistance to afford their higher education, career path, and professional development. As a public university, Brigham Young University, also offers a variety of financial aid options to meet students’ financial need, including a variety of loan and grant opportunities.

At Brigham Young University, financial aid is available to qualified students who demonstrate a need for financial assistance (learn more at SoFi). Students who can show evidence of a need for financial aid are considered for need-based financial aid. A list of loan and grant programs for students at Brigham Young University is available on the BYU Financial Aid & Scholarships website.

If you are a student who has qualified for need-based financial aid and would like to know more about how the financial aid you receive is funded, or to review current and past aid packages, you may be interested in reading more about BYU financial aid.

Loans and Grants

Financial aid at Brigham Young University consists of the following types of loans and grants:

Loans

Loans are debt, secured by your assets and usually for a specific purpose. Scholarships Grants are the most common type of aid that is provided to students at Brigham Young University. Each year, students are awarded merit-based scholarships to fulfill their financial need. BYU is a participant in a number of various forms of student financial aid programs, including the American Recovery and Reinvestment Act of 2009, the Pell Grant Program, and the Supplemental Educational Opportunity Grant. Federal loans can only be used to meet your financial need, not to pay for tuition, fees, room and board, or other school-related expenses. Non-Federal Loans Non-Federal loans are non-profit, for-profit, and public (non-Housing and Health and Human Services) loans from multiple sources, and many are eligible to qualify as a Federal PLUS loan. They come in a variety of forms and are categorized as either Stafford or PLUS loans. To learn more about your options for a non-Federal loan, please visit the non-Federal loan page.

Understand and Verify Your Loan Documents

Before applying for a loan, you should understand and verify your loan documents.

Understanding and verifying loan documents is required before you are allowed to proceed with your application.

For additional information on how to verify your student loan documents, visit the FAFSA FAQ page or call us at 1-877-433-3243 (TTY: 1-855-853-0681).

Use the Education Opportunities Locator to find the nearest Federally Qualified Student (FQS) organization or loan processor.

Federal Direct Student Loan Fact Sheet

For questions about your federal student loan, visit the FedLoan Servicer’s student loan FAQs page. For questions about Federal Direct Loan Program regulations and programs, visit the Office of the Federal Censor’s Federal Direct Loan Program.

Your state and local lenders will have additional details on the Federal Direct Student Loan program. Learn more. You may also need to contact the entity that loaned you the funds. A list of all Federal Direct Loan organizations can be found here. You may also need to contact the entity that loaned you the funds. A list of all Federal Direct Loan organizations can be found here. Check the status of your student loans in the Federal Direct Student Loan Program.

Understanding Insomnia

I Can't SleepWhat is Insomnia?

Insomnia is a large and important topic. Whole books are written about it. Within this article I will highlight what is most important to know about the problem and some steps towards overcoming it.

 

First of all, insomnia is more of a symptom than it is an illness. The word insomnia comes from the Latin In (not) + Somnus (sleep). It literally means “not sleeping”.

Be that as it may, most insomnia sufferers get some sleep. The problem is that the sleep is either too short or of poor quality.

Everyone experiences a sleepless night of tossing and turning once in a while. This is normal and is not outside of healthy sleep. However, when insomnia becomes a regular occurrence it is a sleep disorder. There are three categories of insomnia, ordered according to duration:

Categories of Insomnia

  • Transient Insomnia – Lasts less than a week. This type of insomnia can usually be connected with some kind of stress
  • Acute Insomnia – From one week to one month in duration. Acute insomnia does not mean the person has not slept at all for a month, but that sleep has been difficult to initiate or sustain, or that the quality of the sleep has been very poor and unrestful.
  • Chronic Insomnia – More than one month of poor sleep. Additional effects caused by long term sleep disruption may include severe muscle fatigue, aches and pains, hallucinations, lack of concentration, mental fatigue and double vision.

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Thurday Sleep Tip: Make Spring Forward a Small Bounce

ClockThe start of Daylight Savings time is just around the corner – on March 11th, to be specific. Regardless of whether you agree with the whole ‘Spring Forward’/'Fall Back’ rigamarole, it is reality for most of us, so the most important question is ‘how do we deal with it?’.

 

In general, shifting our sleep schedule one hour isn’t a huge deal. Most people can make the adjustment pretty easily in just a couple days. Nevertheless, there are ways to make it even simpler for you. And, for those who really do struggle with the change the rest of this week’s ‘Thursday Sleep Tip’ should help you out.

Which Problem is Toughest for You?

Adjusting the clock an hour, whether forward or backward, affects our sleep in two ways. It affects the time you go to sleep. And it affects the time you get up. OK, that was fairly obvious. Still, it’s an important consideration because some people suffer more on one end of the sleep schedule than on the other, and it isn’t the same for everybody.

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