The Social and Behavioral Sciences programs are designed for people with a passion for making a difference in the lives of others.
Whether you are on your way up the corporate ladder or just getting started, our business degree programs and certificates could help you prepare to take your business career to a higher level.
Whether you want to enter the field of criminal justice or need credentials to advance your career, Kaplan University's criminal justice degree programs are designed to help you achieve your goal.
Our degree programs and certificates could help prepare you to teach diverse learners a broad range of academic content and educational foundations.
Our comprehensive fire science programs offer the flexibility of online learning, ideal for individuals in the fire science and emergency management fields who may work inconsistent hours.
You could acquire real-world knowledge and practical skills and prepare for a career in the health care industry by earning a health sciences degree, diploma, or certificate.
Our programs in legal studies, paralegal studies, and environmental policy are designed to fit your educational goals.
Our nursing degree and certificate programs are taught by practicing professionals who are dedicated to helping you prepare for real-world challenges in nursing.
Kaplan University's IT programs are designed to prepare you with the knowledge and skills you need to start or advance your technology career.
Kaplan University offers over 180 degree and certificate programs all available to military, veterans, and spouses of active duty members. In addition, several programs have been developed to complement specific military occupations or programs established by the military.
The Kaplan University School of General Education courses support the academic, social, personal, and professional development of learners throughout their engagement with the University.
Open College at Kaplan University (OC@KU) offers individualized, affordable education that integrates technology and personalized service to help learners meet their career, academic, and personal goals.
Offering the flexibility of online education and support for military students.
Every day, talented individuals are proving it's never too late to think about the future.
Learn more about becoming an international student at US-based and accredited Kaplan University.
Learn about transferring your previously earned college credits to Kaplan University.
We have partnered with many employers and educational institutions to provide their employees and students with education opportunities.
Corporate and Academic Partners
Kaplan University is dedicated to the support, engagement, and involvement of our graduates.
Resources for current Kaplan University students.
We have 15 ground locations across the country. Explore our locations to see if we're in your neighborhood.
Learning Center Experience
By Crystal Gifford, Full-Time Faculty Published July 2014
Students often begin their
degrees with an idea of what life will be like once they graduate. They
consider elements like their future income and the lifestyle they will be able
to afford. One factor that is often not considered in this postgraduation
lifestyle assessment is how much they will be paying for student loans. Loan
payments are often a large part of the budgeting process that is too readily
forgotten when dreaming up the ideal career a degree allows someone to pursue.
Many factors, including the
loans’ type, amount, payback period, and interest rate, affect student loan
payments. The following paragraphs address each of these issues and how
students can prepare in advance to minimize the effects of student loans on their
postgraduation lifestyle and accumulation of wealth.
First, the total amount of
the loans by the time graduation occurs can vary depending on the type of
degree, the institution and costs associated with it, and how much the student
relies on loans for extra expenses beyond tuition. In order to minimize the
amount that needs to be repaid, the student should participate in the payment
of tuition while in school, if possible, as well as reduce their overall
expenses while obtaining a degree. Borrowing or buying used books is one great
way to reduce overall costs. Additionally, finding breaks within the
institution such as work-study opportunities or fellowships may also reduce the
costs of education, therefore reducing the amount of loans that must be taken
out. Most importantly, students can return any funds that are awarded in excess
of actual needs. Keeping these funds often results in unnecessary spending, and
doing so is essentially borrowing from your future lifestyle to improve your
lifestyle while in school. This can be a very expensive way to fund a lifestyle
and it may take years to pay it all back.
The second thing that affects
student loan payments is the time it takes to repay the loans. Taking longer to
repay the loans reduces the payments per month, but means it will take longer
to pay off the loans. Assuming you do not have other debts at higher interest
rates, it can be beneficial to pay student loans off as quickly as possible. If
other debts have been incurred at much higher rates, it may be best to extend
the student loan repayment schedule as much as possible and focus on the other
debts first. Student loan interest, like mortgage interest, is tax deductible. Consider
this when consulting your financial planner for the best use of your funds
toward debt repayment.
Next, consider the types of
loans you are taking out before you plan that postgraduation budget. Private
loans are often more expensive, but federal loans can also be expensive. If you
have subsidized loans, you will not have to go back and pay interest that would
have accumulated while you were in school. However, when a loan is unsubsidized,
it means that interest is capitalized (i.e., added to the amount of your loan
principal) and becomes a part of the amount you must pay back. According to The
Institute for College Access & Success, 40 percent of student borrowers
could be using more affordable federal loans (May 2014). The cheapest loans are
often the subsidized, federal loans and the most expensive are usually the
private loans. The more expensive your loans, the more they affect your
postgraduation lifestyle and wealth accumulation.
Finally, interest rates have
the greatest impact on the overall cost of student loans. The higher the rates,
the more you will pay back over time and the higher your payment will be while
you are paying back the loans. The 2007–2008 credit crisis also created a marketplace
of increased costs to students for loans, with high origination costs and
higher annual rates resulting in much higher costs to paying off the loans
accrued during the degree process (Overture Technologies). Higher interest
rates across the board leave students graduating with less satisfaction
concerning the lifestyle improvements expected upon graduation, and can even make
all that hard work feel less rewarding.
One way to overcome this
dreaded student loan lifestyle infringement, especially in those early years
when income is not quite what you may have hoped it would be, is to work with
companies the federal government now supports to help reduce the overall costs
of student loan debt. One such company called Student Loan Consolidation
Services (www.studentloanconsolidationservices.org) walks graduates through the process of
reducing the overall cost and drastically lowering the payments of their
student loans with a federally backed program endorsed by the Department of
Education. Students can take advantage of this by visiting their website and
signing up for a free evaluation.
In all, the combination of
reducing costs, making the best choices for you during repayment based on the
overall amount of debt you have, choosing the most efficient types of loans
while in school, and reducing interest rates is the best way to protect
yourself from having your wealth and lifestyle reduced by the burden of student
loans. When in doubt, seek professional help, such as the Student Loan
Consolidation Services team mentioned above and a skilled financial advisor to
guide you to the best plan.
The Institute for College Access & Success. (May 2014) “Private
Loans: Facts and Trends” Retrieved May
27, 2014 from http://projectonstudentdebt.org/files/pub/private_loan_facts_trends.pdf
Overture Technologies (2012) College
Money Insider. “Recent Trends in Private Student Loans” Retrieved May 27, 2014 from http://www.overturemarketplace.com/articles/recent-trends-in-private-student-loans
Student Loan Consolidation
Services (2014). Retrieved May 27, 2014 fromwww.studentloanconsolidationservices.org
Crystal Gifford is a full-time faculty member at Kaplan University. The views expressed in this article are solely those of the author and do not represent the view of Kaplan University.
By Cynthia Waddell, PhD, CPA, CFE
By Jerry Taylor
By Geoffrey Vanderpal
By Dr. Denise Schoenherr
By Stanley W. Self, CFE
By Rachel Byers, Full-Time Faculty, School of Business
Accounting firms are taking advantage of some emerging trends.
Change is the name of the game in wealth management!
Most people do not realize there are a variety of jobs in this field.
According to the BLS, employment of insurance sales agents is projected to grow.
Access definitions and FAQs related to accounting.
Access definitions and FAQs related to investments and wealth management.
Access definitions and FAQs related to real estate.
Access definitions and FAQs related to risk and insurance.
Kaplan Real Estate Education's Toby Schifsky looks at the factors to consider when pursuing a real estate career.
Toby Schifsky talks about the importance of goals and action steps for achieving them.
Access preparation and practice advise from Kaplan Financial Education experts Mary Orn and Julie Ramsey.
Maylee talks about her experiences with Kaplan Financial Education and preparing for her exams.
National Debt Clock
KU Facebook Page
KU Twitter Page
KU YouTube Channel
KU Google+ Page
KU LinkedIn Page
KU Pinterest Page
KU Instagram Page
Registered User Login
Student Consumer Information
LEARNING AT KAPLAN UNIVERSITY