Diagnosis and Treatment Planning Case Study Example | Topics and Well Written Essays - 1250 words

Diagnosis and Treatment Planning - Case Study Example He senses that his regular life moves like a clock incessantly but monotonously. He senses he is not a part of this success, and he cannot enjoy it openly. He senses that there is too much restriction in his life which sometimes is associated with meaninglessness. His diet is dictated by his wife, his movements are controlled by his wife, his attitudes to people are dictated by his professional ethics, and even criticisms directed to him remain unanswered. He is seriously facing the question if he is happy. He did not know the whereabouts of his closest friend, and despite his unofficial visits to the psychiatrist, he is not able to find the answer of an intriguing question "most married men have their habits", and the wife does not "allow to have" those habits. Although he poses the question in the name of a friend, this questions is his own, and it reflects his life and own thoughts. To summarize, he has a crisis in his life, where his pursuits for pleasurable things in life as a h uman being is compromised by his family life and professional life. He passes through the same ritual every day; half of the things he want to say remain unspoken; most of the cases he has to keep his thoughts private; and he feels noncommunicative, as if accepting whatever is given, and he feels "he is in a vat of rubber." II. History of problem The history of the problem is no clear, and the only hint is revealed in the movie in the form that he had tried to contact a psychiatrist several times on this issue, but in vain. He had never been able to communicate this problem clearly. As his practice has grown and with his financial growth, he had to be more dedicated to his profession, gradually drifting from the normal life of a man who is in pursuit of objects of little happiness in things like golf, movies, club, and things like that. He has no associations with people other than those in his clinic or in his household. He performs his daily rituals without a word or without any sign of distress. He does not interfere in the lives of his family members, yet when he located his friend on the road and while trying to help him out of his situation, he wanted to do his part as a friend, as a companion. One night when he came late, he was reprimanded by his wife that staying late at night outside house is not permissible. He is hurt with this, but decided to continue with his friend. This system had been so ingrained in him that when he got the news of his father deceased, he almost felt guilty. He wanted a strong foothold in his life, even if it would be associated with the friction of the chair, he did never desire extreme flexibility of a rubber where he would be taken for granted or would be molded in any way possible to other people's advantage. III. Clinical Observation There is relationship problem with his wife, and the relationship is stressful for him. This induces anxiety in him. This anxiety leads to conduct problem of noncommunicativeness and decrease in self-esteem and lack of assertiveness. Obviously this also leads to disturbance of emotion and affect. This is perhaps due to his discordant intrafamilial

Rent Control is Out of Control Essay Example | Topics and Well Written Essays - 500 words

Rent Control is Out of Control - Essay Example Rent control has had the opposite effect of its original intention, to provide affordable housing. Rent control should be abolished in cities where rent control exists, and politicians should be proactive and lift controls with an eye on the economics involved and a deaf ear to the activist hysteria. Rent control results in higher prices for available housing by reducing the supply. Landlords are offered little incentive to build new units that will fall under price control. Tenants have no incentive to move from a low rent situation. Elderly parents whose children have moved away may continue to live in a 4 bedroom unit to maintain the current rental rate long after the space is needed. As the supply shrinks, would-be renters turn to the shadow rental market. This market, which may account for as much as 30 percent of the available housing market, exists outside the rent control laws due to special exemptions or the government's desire to maintain a relief valve for excess demand. However, due to the short supply and high demand, these units may be priced several times higher than the market value. Housing quality also suffers under rent control. Landlords faced with limited rental income are reluctant to make improvements or even do minimum repairs.

Alcohol Research Paper Essay Example for Free

Alcohol Research Paper Essay Alcohol plays too significant a role in society today and should be an after thought as opposed to the most essential addition to any social event. Alcohol creates numerous social, economic, and health problems that could very easily be stopped if it played a less influential role in every day events. The use of alcohol is prominent in, but not limited to three social circles that include students, family groups, and religious gatherings. Experts have much to say about alcohol use and abuse in these three categories, including all of the negative aspects of drinking. Social drinking is a common occurrence around America. Whether it is after work or after a football game, white collar or blue, two-thirds of the American population sit down at least once a week to enjoy an alcoholic beverage (Med. unc. edu). Many of these people do not realize that drinking is what leads to uncontrolled behavior, drunk driving, and in the long run, addiction. They are thinking only of the short-term effects, not the negative long-term consequences. People who regularly turn to alcohol eventually begin to neglect their families and other responsibilities, consequently wrecking the lives of loved ones and their own as well. While the lasting negative effects of alcohol use are spewed daily through the media, the problems will not stop until society completely understands how alcohol can indeed pose a serious threat to the nations social welfare. Alcohol has an adverse effect on the economy. The consequences of alcohol abuse and dependence cost the nation an estimated $99 billion each year (Gordis, 209). It is tax money that pays for alcoholics who both live on the street and are barely getting by or who are in government-funded hospitals and institutions. The United States should either find an alternative way to take care of these people or perhaps raise liquor taxes. Either one of these options would conceivably minimize the economical problems caused by alcoholic beverages. It is not the responsibility of the people as a whole to take care of the homeless people who have fallen prey to the lure of alcohol related problems. As of 1991, about 14 million Americans met medical diagnostic criteria for alcohol abuse or alcoholism. There are numerous health problems that are linked to drinking. For instance, if alcohol is consumed during pregnancy, birth defects may result, worse, the baby could be born addicted to alcohol (Kellam, 30). High doses of alcohol have also been found to delay puberty in females and slow bone growth and result in weaker bones (Windle, 179). One of the main risks of drinking alcoholic beverages is having a stroke. A review of epidemiological evidence concludes that moderate alcohol consumption increases the potential risk of strokes caused by bleeding (Camargo, 1620). Another medical problem that involves alcohol is the use of prescription medications. Alcohol may interact harmfully with more that 100 medications, including some sold over the counter. The effects of alcohol are especially augmented by medications that depress the function of the central nervous system, such as sleeping pills, sedatives, and antidepressants, and certain painkillers (Thomas, 336). Upon understanding the risks of drinking, some people would surely stop. Better health is a good reason to do so. One of the main groups of alcohol users is high school and college students. Despite a legal drinking age of 21, many young people in the United States consume alcohol. There are several factors that put youth at risk for drinking and for alcohol-related problems and also several consequences of their drinking. Thirteen- to fourteen- year-olds are at high risk to begin drinking. This is a confusing stage in their life and they are easily pressured into doing things they would not normally do. Also at high risk are twins and adopted children. Studies of these two groups demonstrate that genetic factors influence an individuals vulnerability to alcoholism. Children of alcoholics are more likely than children of nonalcoholics to imitate drinking during adolescence and develop alcoholism, but the relative influence of environment and genetics have not been determined and vary among people (Chassin, 453). Advertising has also been found to play an influencing role in adolescents decision to drink. Research has assessed the effects of alcohol advertising awareness on intentions to drink. In a study of fifth- and sixth-graders awareness measured by the ability to identify products in commercials with the product name blocked out awareness had a small but statistically significant relationship to positive expectancies about alcohol and intention to drink as adults (Grube, 257). Although there are many risk factors inviting youths to drink, one of the most prevalent is peer drinking and acceptance of drinking. If one minor sees another drinking he would most likely find it acceptable and join his friend. If all of these risk factors were reduced, say, less advertising of alcohol where children will likely be influenced, children would not find it as acceptable to drink and would probably not start off so young or abstain wholly. Though the prevalence of binge drinking varies among campuses, the overall statistics are alarming. A 1993 survey by 18,000 students at 140 colleges in 40 states found that 44% of the students drank heavily (med.unc. edu). In an effort to curb students thirst for alcoholic beverages, many schools are trying to come up with alternatives to promoting social events that involve alcohol. Colby University has come up with a new program that offers students an alternative to getting ? sloshed. Faculty and students there have formed a committee that will recommend a reorganization of social functions. One of their recommendations was that the student association spend at least 50% of their funds exclusively alcohol free events. The other 50% of the funds may be used for entertainment, decorations, or refreshments, but may not be used for the purchase of alcohol (colby. edu). More schools should take part in this kind of rehabilitation, not only does it give the school a positive reputation, but it gives the student s more time to concentrate on the reason that they are there which is to learn. Serving food, non-alcoholic drinks, offering activities and entertainment such as games and music, and ceasing to give alcohol two hours before the end of the party are all ideas that will promote safe social scenes and responsible parties. One way to deter younger drinkers from becoming addicts is to step up the punishment for law-breakers who have a blood alcohol concentration indicating public intoxication. Whether it is as minor as carrying a fake identification card or as major as a drunk driving accident, offenders who break the law while legally intoxicated should be punished to the full extent of the law. Alcohol abusers, these risk takers and law-breakers, may realize after being punished once or twice that this is not the path they should take. Sobriety is a great thing, and the choice to be sober is one that should have positive connotations as opposed to the negative ones that go with drinking and being drunk. Learning at a young age that alcohol is not the great thing that everyone makes it out to be is a step in the right direction. We really should start now on a program that gives every child from kindergarten to college factual, unbiased training about alcohol. Then in a couple of generations wed see fewer problems. Most people would have learned to drink responsibly. (Weiner, 93) The earlier people learn, the best it will be for them and society in general.

Sir Gawain and the Green Knight Essay examples -- English Literature E

Sir Gawain and the Green Knight Sir Gawain and the Green Knight was written in the late fourteenth century. Its author was unknown, but he or she was a contemporary of Chaucer. The poem consists of two plots: one is the challenge between Sir Gawain and the Green Knight in a beheading game, and the other is the temptation of Sir Gawain by a lady from a beautiful castle. The outcome of the challenge as well as the life of Gawain is made to depend--though Gawain does not know it--on his behavior at the castle. The temptation is a test of chastity and honorable conduct towards a lord. The introduction of Sir Gawain and the Green Knight gives us a picture of King Arthur's kingdom. It describes the knights and the joy of all Arthur's people. The poem begins and ends with the mention of the fall of Troy. It talks about the warriors who survived and settled in different areas of Europe: Great Romulus to Rome repairs in haste; With boast and with bravery builds he that city And names it with his own name, that it now bears. Ticius to Tuscany, and towers raises, Langobard in Lombardy lays out homes, And far over the French Sea, Felix Brutus On many broad hills and high Britain he sets, most fair. (Norton 202) (Aeneas rescuing his father from Troy) Felix Brutus is the legendary founder of Britain, the great-grandson of the treacherous knight of Troy, Aeneas. Aeneas,from what I found from an outside source, says he is a traitor because he overthrows the king of Troy and negotiates with the enemy (the Achaeans) or Greeks who come into the city. Because of this, the Greeks let him and his family to safely leave the city. In the second stanza, the author chooses to tal... ...equality in a marriage because that is the only way that marriage can last forever. Unlike her "Prologue," the Wife of Bath's "Tale" describes balance in a marriage. A hag is married to a knight and she asks him if he wants her to be old, ugly and faithful or young, beautiful, and unfaithful. He tells her to choose, which gives her the sovereignty. The hag then turns into a beautiful woman, and they live happily ever after. Although in her "Tale," it shows that both people should be considerate of each other in a marriage, in her "Prologue," the Wife of Bath seems dominant instead of concerns for her husbands. Citation Abrams, M.H., The Norton Anthology of English Literature. Sixth Edition, Vol. 1. New York: W.W. Norton & Co. Inc., 1993 Edited by J.R.R. Tolkien and E.V. Gordon Sir Gawain and The Green Knight.Second Edition, Oxford University Press., 1967

Affirmative Action Racism And Discrimination Essay

America is called â€Å"the land of opportunity† however, most of the countries citizens are not able to enjoy the benefits that the title provides. Being able to accomplish scholastic goals, attend a four-year college, and to have an influential career, are not obtainable for many, even though they work hard. Our nation has long been plagued by an ugly occurrence. An occurrence that finds its origins at the very core of our society. It is a problem familiar in some ways to all of us regardless of which side of the argument we find ourselves, and yet it remains unsolved. To verify that a problem exists, as Beverly, Tatum explains, we must first understand, racism as a system of advantage based on race, and white privilege as unjust enrichment through racial oppression,(Tatum,pg 10, 115). Next we must look at the steps taken to level the playing field of advanced racial groups. In America racism and discrimination is a cruel reality. For centuries now, local, state, and federal governments have been proactive in protecting or expanding the system of racial discrimination. White government officials and programs have often favored the racial and political-economic interests of white Americans. Government programs historically provided much access to homesteading land and numerous other valuable resources exclusively to white Americans (Feagin, 2010, p. 143). In an affords toward concern for equality, Affirmative action was created. It was designed to counteract the effect that discriminatory practices have embedded in the American culture. Affirmative action refers to policies that take factors including â€Å"race, color, religion, gender, sexual orientation, or national origin† into consideration in order to benefit an under represented group â€Å"in areas of employment, education, and business†, usually justified as countering the effects o f a history of discrimination. The term â€Å"affirmative action† was first used in the United States in Executive Order 10925 and was signed by President John F. Kennedy on 6 March 1961; it was used to promote actions that achieve non-discrimination. In 1965, President Lyndon B. Johnson enacted Executive Order 11246 which required government employers to take â€Å"affirmative action† to hire without regard to race, religion and national origin. In 1968, gender was added to the anti-discrimination list. A lively debate with sparks flying within racial group exists over the importance of the Affirmative action process. Some would argue that affirmative action undeservingly rewards minorities, and takes away from whites in effect causing reverse discrimination. Not long ago, Senator Bob Dole, a Republican presidential candidate, spoke in a television interview of â€Å"displaced† white men who compete with black workers because of affirmative action. He said that he was not sure that â€Å"people in America† (he meant â€Å"whites†) should be paying a price for discrimination that occurred â€Å"before they were born†. (Feagin, 2010, p. 15). Taking this evidence into consideration, should this influence the direction taken regarding affirmative action? University of California Regent Ward Connerly believes that affirmative action is used as a crutch that is ruining the relationship between blacks and whites. If this were true, would this be a good reason to halt government involvement in affirmative action programs? Would people identify these issues and take steps to make changes? Historically this has not been the case. Affirmative action programs have been successful in making social change. Minorities that have previously been excluded from opportunities have been afforded opportunities to achieve through affirmative action programs. Initially, affirmative action was a policy primarily aimed at correcting institutional discrimination where decisions, policies and procedures that are not necessarily explicitly discriminatory have had a negative impact on people of color. Affirmative action policies address and redress systematic economic and political discrimination against any group of people that are underrepresented or have a history of being discriminated against in particular institutions. Beneficiaries of these programs have included white men and women, people with disabilities, and poor working class people, but their primary emphasis has been on addressing racial discrimination (Kivel, P) If our goal is to eradicate discriminatory practices, then our government must continue to mandate legislation, and fund programs to address these issues. Following this conclusion it is clear to see that all evidence supports the benefits of affirmative action. What we have before us is a society with the possibility to make great strides in regards to changing the system of inequality. It is important that government lead in the direction that supports affirmative action programs. Government needs to see this as the biggest problem on their social agenda, and it will take a significant effort to mandate change, but the benefit for everyone will be extraordinary. References Feagin, J. (2010). Racist America Roots, Current Realities, and Future Reparations New York: Routledge Press. Tatum, Beverly Daniel. (2003). †Why Are All the Black Kids Sitting Together in the Cafeteria? New York: Basic Books. Executive Order 11246. (2012, July 2). In Wikipedia, The Free Encyclopedia. Retrieved 17:23, October 30, 2012, from http://en.wikipedia.org/w/index.php?title=Executive_Order_11246&oldid=500344831 Montgomery, A. (2000, march 27). A â€Å"poison† divides us, salon.com, Kivel, P. (1997, November,17) Affirmative Action Works! Motion Magazine

Negative Consequences of Stress Essays - 1057 Words

Stress is everywhere. It is at school, at home, at work, and even with friends. Whether external forces and or internal conflict cause it, much of the time, stress has a negative impact on a person and needs to be managed. However, there are times when it can have a positive effect, such as improving productivity. Creating a balance in one’s life is the key to leading a healthy and productive lifestyle. If the balance is not present, there can be negative consequences physically, emotionally, and mentally. Stress is pressure or tension exerted on a material object. (â€Å"Stress†) Stress can be caused by situations that make someone feel pressured, making life choices, going to college, buying a house and more. Stress can also happen when a†¦show more content†¦(Bressert, S) Too much physical stress can have many negative consequences. Emotional stress usually happens when one feels challenged in a situation. (Stress) One is always thinking about how other will feel when they make a decision and how they will feel and which one is more important.Stress can affect your mood. Psychologist Connie Lillas gives two of the most common responses people have when they are stressed out. The first is an angry response, which means that you are heated and overly emotional. The second response is a depressed stress response, which means you want to shut down or pull away, and that you are running low on emotional energy. There also happens to be emotional stress symptoms, some of which are constantly feeling overwhelmed, short temper, general unhappiness, and the inability to relax. (Stress and its impacts) It is very hard to be emotionally stressed because your body and mind never let you take a minute to sit down and relax. The emotionally stressed individual is always making lists and constantly thinking about what they sho uld be doing. Stress, in general, is not good for people; however, mental stress can cause multiple issues for a person. Symptoms of mental stress can be constantly seeing the negative, lack of judgment, memory problems, and anxious thoughts. A constant state of mental stress can lead to serious mental disorders. (Stress) Mental stress can be caused by too many events all happeningShow MoreRelatedThe Effects Of Workplace Stress On The Workplace1472 Words   |  6 PagesIntroduction â€Å"Work stress is one of the oldest issues in organizational psychology and is considered one of the most severe occupational injuries in modern society† (Chou, Chu, Yeh, Chen, 2014, p. 115). Overcoming this severe issue of workplace stress is an important topic to discuss. 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FAFSA, becas y préstamos para pagar la universidad

Segà ºn el College Board, el costo medio anual de la matrà ­cula en un college o universidad pà ºblica pagando tarifa de residente del estado es de $9.970, mientras que para los no residentes asciende a $25.620. En el caso de estudiar en instituciones privadas el precio se dispara a $34.740. Ademà ¡s, el estudiante o su familia debe pagar por alimentacià ³n, alojamiento, transporte y libros. Debido al alto coste que supone cursar estudios universitarios, muchos estudiantes deben complementar los ahorros e ingresos familiares con becas y otras ayudas e incluso con prà ©stamos. Tome nota: Ayuda econà ³mica para pagar estudios universitarios FAFSA es un formulario del gobierno estadounidense que debe completarse antes de solicitar cualquier tipo de ayuda econà ³mica para cursar estudios superiores.A pesar de que los estudiantes indocumentados, los beneficiarios de DACA y los estudiantes internacionales no pueden obtener fondos a travà ©s de FAFSA, el proceso abre las puertas para otras opciones.Los estudiantes indocumentados, internacionales o beneficiarios de DACA sà ­ pueden aplicar a becas segà ºn los reglamentos de cada una.Los prà ©stamos estudiantiles deben ser el à ºltimo recurso, ya que esos fondos deben pagarse con intereses aunque el estudiante no se gradà ºe o no consiga trabajo.  ¿Quà © es FAFSA? La FAFSA (Aplicacià ³n Gratuita para Ayuda Federal a Estudiantes, por sus siglas en inglà ©s), es un formulario que debe completarse antes de solicitar cualquier tipo de ayuda econà ³mica para cursar estudios superiores, ya sean grados asociados, estudios universitarios de licenciatura, maestrà ­a, doctorado o estudios profesionales (derecho, medicina, etc.). El formulario FAFSA sirve para determinar la cantidad de dinero que se espera que cada estudiante o su familia contribuya a su educacià ³n. Basà ¡ndose en los resultados de la FAFSA, el gobierno federal, los colleges y universidades y las instituciones privadas toman sus decisiones sobre cuà ¡les estudiantes reciben ayuda y el monto apropiado. El formulario FAFSA se puede completar en là ­nea, a travà ©s de la aplicacià ³n de celular myStudentAid  o en papel, y toma aproximadamente una hora completarlo. Para ello es necesario tener a mano los documentos de la declaracià ³n de impuestos (tax returns) y estados de cuenta bancarios. Los estudiantes que pagan impuestos y sus padres pueden acceder a sus datos fiscales por medio de la herramienta IRS Data Retrieval Tool. Si no se pagan impuestos, se debe completar manualmente la informacià ³n econà ³mica que se solicita en el formulario de FAFSA. Los estudiantes internacionales y los migrantes con DACA aprobado que tienen nà ºmero del Seguro Social deben completar el formulario FAFSA si desean aplicar para ayuda econà ³mica para estudiar. El documento debe completarse a pesar de que por ley, tanto los estudiantes internacionales como los muchachos con DACA està ¡n excluidos de recibir cualquier tipo de ayuda federal (Pell Grant, SEOG Grant, Stafford Loan, Perkins Loan, PLUS Loan, y Federal Work-Study). Aunque su FAFSA serà ¡ rechazada, completar la aplicacià ³n abre otras posibilidades de ayuda econà ³mica, ya que otras instituciones como universidades y fundaciones toman como referencia los datos de la FAFSA para decidir a cuà ¡les estudiantes brindar becas y prà ©stamos. Preguntas sobre ciudadanà ­a en la FAFSA Ante la pregunta si se es ciudadano (Are you a U.S. citizen?), los migrantes con DACA y estudiantes internacionales deben responder que no (opcià ³n No, I am not a citizen or eligible noncitizen en el cuestionario). Asimismo, los estudiantes que tengan nà ºmero del Seguro Social pero cuyos padres no lo tengan deben responder 000-00-0000  en la casilla en la que se pregunta por el nà ºmero de los progenitores. Bajo ninguna circunstancia se debe escribir un nà ºmero del Seguro Social falso, ya que serà ­a un fraude de ley. Ademà ¡s, si uno o ambos padres no tienen nà ºmero del Seguro Social el documento no se puede firmar digitalmente. El formulario deberà ¡ ser impreso, firmado manualmente y enviado por correo ordinario. La situacià ³n migratoria de los padres no afecta los resultados de la FAFSA. Plazos para aplicar El 30 de junio de cada aà ±o es el dà ­a tope a nivel federal para entregar el formulario FAFSA. Sin embargo, los estados que conceden ayudas suelen establecer plazos que finalizan con anterioridad, y los colleges y universidades establecen sus fechas là ­mites varios meses antes. Tome nota:  ¿Preguntas sobre el formulario FAFSA? Si durante el proceso de completar el formulario FAFSA surgieran dudas sobre cuà ¡l es la respuesta correcta, se puede marcar al telà ©fono 1-800-433-3242 (1800-4-FED-AID). Becas para estudios universitarios en Estados Unidos Las becas reciben el nombre de grants o scholarships en inglà ©s. Generalmente se utilizan las dos palabras como sinà ³nimos, aunque los grants suelen estar basados en necesidad econà ³mica del estudiante y las  scholarships  en sus mà ©ritos acadà ©micos, deportivos, culturales, etc. Todas las becas son dinero gratis, es decir, el estudiante no està ¡ obligado a devolver su importe. Pell Grant El gobierno federal ayuda a los estudiantes universitarios de bajos ingresos mediante la concesià ³n de las becas Pell. La cantidad que recibe cada estudiante se determina en funcià ³n de varios factores, como los ingresos y tamaà ±o de su familia, el costo de la universidad donde estudie y su condicià ³n de estudiante a tiempo parcial o completo. Ademà ¡s, los estudiantes que son hijos de miembros del cuerpo militar que hayan muerto en Irak o Afganistà ¡n, o de policà ­as fallecidos en su trabajo, podrà ­an recibir una cantidad mayor si tenà ­an menos de 24 aà ±os cuando su progenitor fallecià ³ y està ¡n matriculados para estudiar, como mà ­nimo, a tiempo parcial. Para el curso 2019-2020, la cantidad mà ¡xima que cada estudiante puede recibir en concepto de Pell Grant es de $6.195. Ningà ºn estudiante indocumentado puede beneficiarse de esta ayuda. Los muchachos DACA tambià ©n està ¡n excluidos.Tampoco pueden recibirla los estudiantes internacionales con visa F-1. SEOG Grant La Beca Federal Suplemental para Oportunidad en la Educacià ³n (SEOG, por sus siglas en inglà ©s) se concede a los estudiantes con situaciones econà ³micas familiares muy duras. En general, son estudiantes que ya reciben la beca Pell. La cantidad a recibir por curso varà ­a entre $100 y $4.000. Para este tipo de beca los fondos se entregan por orden de solicitud. Una vez que se acaba el dinero disponible para cada institucià ³n educativa ya no hay mà ¡s recursos para los estudiantes por el resto del aà ±o acadà ©mico.  ¿Dà ³nde encontrar otras becas? Las propias universidades, los estados, fundaciones y negocios conceden becas a nivel local o nacional. Los motivos para conceder estas ayudas pueden ser muy variados. Entre ellos, destacan: necesidad econà ³mica, rendimiento acadà ©mico, apoyo a minorà ­as à ©tnicas o sexuales, excelencia en deportes o cultura, và ­ctimas de enfermedades, membresà ­a en grupos religiosos, discapacidad fà ­sica, etc. Tome nota:  ¿Dà ³nde encontrar becas? El primer lugar para buscar becas por mà ©ritos especà ­ficos es la oficina de ayuda econà ³mica de la institucià ³n donde se estudia. Ademà ¡s, destacan las siguientes pà ¡ginas web:Scholarships.comCollegeNet.comFastWebFinAid.comThe College BoardScholarshipMonkey.com La mayorà ­a de las becas està ¡n pensadas para ciudadanos estadounidenses y residentes permanentes legales. Sin embargo, tambià ©n hay ayuda disponible para estudiantes indocumentados, con y sin DACA, asà ­ como para estudiantes internacionales. Los requisitos, el monto y la fecha tope para aplicar son especà ­ficos de cada beca. Se puede aplicar a varias de ellas, excepto en los casos en los que explà ­citamente se prohiba. Prà ©stamos estudiantiles Segà ºn el reloj de cà ¡lculo de deuda estudiantil de FindAid, en EE.UU. se debe mà ¡s de $1.649.965.000.000 por prà ©stamos estudiantiles, es decir, mà ¡s de lo que se adeuda en tarjetas de crà ©dito y dà ©bito conjuntamente. En la actualidad, el pago de los prà ©stamos estudiantiles es un serio problema, por lo que se recomienda aceptar solo la cantidad que realmente se necesita y no el total del monto ofertado. Cabe destacar que los prà ©stamos deben pagarse aà ºn cuando el estudiante no finalice sus estudios o no tenga trabajo. Solo en casos excepcionales se permite el perdà ³n de esta deuda. Como regla general, declararse en bancarrota no elimina la obligacià ³n de pagar este tipo de prà ©stamos. Stafford Loan Los estudiantes universitarios pueden recibir prà ©stamos con y sin subsidio por un mà ¡ximo entre $5.500 to $12.500 por curso acadà ©mico, dependiendo del aà ±o de sus estudios y su estatus familiar de dependiente de sus padres o independiente (soltero o casado). Los estudiantes de maestrà ­a, doctorado y grados profesionales pueden recibir un mà ¡ximo de $20.500 por curso en prà ©stamos subsidiados y solicitar cantidades mayores en prà ©stamos no subsidiados. Este prà ©stamo federal puede ser con subsidio para estudiantes con necesidad econà ³mica, y sin subsidiar para el resto. Para los prà ©stamos otorgados entre el 1 de julio de 2019 y el 30 de junio de 2020, el interà ©s es del 4.53% para estudiantes universitarios y del 6.08% para estudiantes de maestrà ­a, doctorado y grados profesionales. Federal Perkins Loan Por ley federal, estos prà ©stamos populares entre los estudiantes ya no està ¡n disponibles desde junio de 2018. Parent PLUS Loan Los padres biolà ³gicos o adoptivos de un estudiante pueden solicitar este prà ©stamo que tiene un interà ©s fijo del 7.08%. No pueden solicitarlo los abuelos ni los encargados legales del estudiante. Para aprobar este prà ©stamo se verifica el historial crediticio del progenitor que lo solicita. Bancos privados Los bancos y cajas de ahorro pueden aprobar prà ©stamos estudiantiles. Los intereses suelen ser altos y frecuentemente solicitan que, ademà ¡s del estudiante, firme otra persona. El administrador de ayuda financiera de la institucià ³n en la que se estudia debe certificar estos prà ©stamos. Este es un artà ­culo informativo. No es asesorà ­a legal.