The Brazos Higher Education Service Corporation, Inc. (Brazos) offers fixed rates for student loan refinancing between 4.21% and 6.10%; variable rates are between 4.08% and 8.13%. Note that the lowest rates include a 0.25% interest rate reduction for enrolling in automatic payments.
Brazos offers a 0.25% interest rate reduction when you enroll in autopay. Brazos also has a referral program that assigns you a unique link to give to out to potential borrowers. Any referrals that result in a new loan origination earn the referrer $200. Some restrictions apply.
Lenders vary significantly on the benefits and options provided to borrowers during the loan servicing period. Additionally, benefits may only be available on a case-by-case basis. Brazos offers some relief options.
As consumer finance companies, student loan refinancing lenders fall under the jurisdiction of the Consumer Financial Protection Bureau (CFPB), a federal agency. As part of its mission, the CFPB allows consumers to log official complaints. These complaints are publicly available on the CFPB official website.
In 2007, former Department of Education (ED) employee Dr. Jon H. Oberg filed a Complaint for Violations of False Act against several public and private student loan financing entities, including Brazos Group.
A proprietary scoring model assigns an Academic Credit Score (ACS), which is used for loan pricing. The ACS takes the credit bureau data of the Borrower (and Cosigner when applicable), along with academic characteristics of the student, such as their major and academic year.
Pennsylvania Higher Education Assistance Agency, 2018-2022. (NMLS# 1619466 NMLS Consumer Access). All Rights Reserved. PHEAA conducts its student loan servicing operations commercially as American Education Services (AES).
Some students will desire to take summer courses in order to transfer chemistry course credits for a variety of reasons. The Chemistry Department uses a number of criteria to determine if chemistry courses may be approved for transfer to Franklin & Marshall College. Each year these criteria are applied in order to assure that the transferred courses are as similar as possible to those offered by the Chemistry Department. The criteria to be met for approval are:
The following documentation is required in order to determine if any summer school chemistry course meets the approval criteria for transfer to Franklin & Marshall College. Before gathering the necessary documentation for any courses at specific institutions, students should check with Professor Thomsen to determine if current year courses already have been reviewed.
When a student has all of the required information, he or she should contact Professor Van Arman (Hackman Room 407, firstname.lastname@example.org) to make an appointment for review of the information. Although a course review can be made any time before a summer course begins, the best circumstances are to have the course reviewed prior to the end of the spring semester.
Nearly 900 ACS Student Affiliate chapters are established in two- or four-year colleges and universities. These chapters serve as leadership organizations for undergraduate chemical sciences students, providing professional experiences, graduate school information, and other career development resources.
The F&M Student Affiliate Chapter typically has 25-30 chemistry students as members. These students have participated in a wide variety of activities including serving the community through an Elementary School Outreach program that treats children to demonstrations of the wonders of chemistry. The Affiliates have hosted many of our invited lecturers, and each year they donate a $50.00 savings bond award to the local Science Fair. The Chapter has fund-raisers throughout the year and sponsors an annual picnic and dinner.
\"I studied at the Univ. of East Anglia in Norwich, England where I took Inorganic Chemistry to fill my major requirement. Each of those classes had about 80 students in them and the lab sessions really made me appreciate the hands-on experience we get at F&M. Being able to study abroad and still take chemistry was an amazing experience and if anything it made me appreciate F&M that much more.\"
\"I worked in a conservation lab learning how to apply current cleaning and repairing methods to hundreds of years-old paintings. I also further developed my own artistic voice in an advanced Black & White photography class, part of which I experimented with the emulsion after development. My final piece (pictured) was selected for the juried student show and includes a selection of the experimental prints. Although the conservation trade is no longer one I wish to pursue, I absolutely loved my semester immersed in the Italian lifestyle.\"
Through the generosity of alumni and friends of the college, endowed scholarships have allowed students to broaden their college experience in a variety of ways. We are indebted to these charitable donors. These scholarships are awarded by the Financial Aid Office. A description of the scholarships, each of which is unique in its selection criterion, follows.
Through the generosity of alumni and friends of the college, endowed awards, dating back to 1912, have allowed students to broaden their college experience in a variety of ways. We are indebted to these charitable donors. The recipients of these awards are chosen by the Chemistry Department.
The oldest and most prestigious award in chemistry is awarded to the senior major who scores the highest on an exam covering five areas of chemistry: General, Analytical, Organic, Inorganic, and Physical. The student's name is placed on a plaque and the student receives the income from the endowment established by Herman Luther Willig.
Established by Mrs. Marie Saulnier and her family to memorialize their late husband and father, the award is given each year to the student majoring in Chemistry who in the opinion of the faculty of the Department of Chemistry demonstrates an especially searching mind in probing the frontiers of the unknown.
The award is given to a rising F&M senior of high academic standing majoring in a natural science with a significant chemistry focus. This award is to be used to enhance the educational experience of students in chemistry during their undergraduate years, and, if applicable, through the summer following their senior year. Walter E. Weibrecht, Ph.D. '59 and his partner, David W. Garside, together with Ernest C. Weibrecht and his wife, Gail M. Weibrecht, have established this scholarship to honor Walter and Ernest's parents, Ernest and Annie Weibrecht.
All students enrolled in chemistry courses or involved in independent research are required to attend a Laboratory Safety training session annually. A team of risk management specialist lead these sessions which focus on safety and education of basic governmental policies for reducing risks and handling chemicals in the laboratories.
After attending Franklin & Marshall and with the recommendation of the engineering committee, and the approval of the students major department, the student transfers to one of the five affiliated engineering schools for two years of concentrated study in the chosen engineering field. After successfully completing this five or six year program, two degrees are conferred: a bachelor of arts with a major in the student's chosen field from F&M and a bachelor of science in engineering from the cooperating institution.
I began my education at Franklin & Marshall College as a pre-med student with a strong interest in Chemistry. I spent the majority of my summers and free time in the Chemistry department doing research on the structure and substitution patterns of members of the apatite family. (Apatite is the main inorganic constituent of bones and tooth enamel). As I progressed through the pre-med track, I discovered a love for physics and decided to further pursue the discipline. What most excited me about research was the identification of a problem, or a gap in knowledge, and the development of a plan to solve it. I was drawn to physics because it provided the ability to precisely explain physical events with mathematical models.
This December, I will graduate with an MS in Biomedical Engineering from Columbia University. My experience at Columbia not only taught me a great deal about the field of BME, but also demonstrated the caliber of the F&M education. Due to the rigor of F&M, I found myself incredibly well prepared for the coursework at Columbia. Though I am one of the few students that did not have an engineering background in my program, I have found that my different academic perspective has only enriched my education. The expectations of the F&M undergraduate curriculum taught me how to problem solve, approach and conduct laboratory research, and study at a graduate-degree level. These skills have allowed me to excel and gain the most from my education at Columbia. I was able to take my required courses while also working on a start-up company, and conducting graduate research. I am grateful to have had the opportunity to grow as a student and scholar at F&M before proceeding into graduate studies.
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