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Whether you have just finished your undergraduate studies and are hopping right into grad school, or have been in the career world for a number of years and are now looking to step up your education a notch, there are graduate school grants available to assist you in paying for the completion of your education. While you can still apply for student loans like you did in your undergrad years why would you want to when you are eligible for a graduate school grant that never has to be repaid. Here well explore some of the basics that go into these grants so you can get a better understanding of how they may help you in your academic pursuits.

Graduate school grants are most commonly found through organizations, colleges, and universities. They are also available through the federal government but these grants are hard to come by. Graduate students who are studying specific fields felt to help the public or a specific industry are especially likely to receive these funds. A good example of this is a student who is planning to receive their Ph.D. in microbiology. This applicant would be very likely to find funding through an organization like the American Society of Microbiology. This group offers very specific grants called Microbiology Minority Fellowships.

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Garages4You.com has agreed a new deal which will feature for the first time 12 'MOT only' test centres across the South East of England.

The new centres to be launched at the end of November do not carry out any repairs and only do the MOT tests themselves. GMTV's money saving expert Martin Lewis who has featured the Garages4You.com service has always been a big supporter of MOT only centres believing customers can be 100% sure of a fair deal using these stations.

Garages4You has also secured access to the cheapest online deals available which will save their customers money versus booking the MOT test over the phone with the centre direct.

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Ayrshire, Scotland, 24 November 2009--Pupils, staff and members of the local community are benefiting from the completion of a £3 million refurbishment programme at Dalmilling Primary School in Ayr.

The extensive work, which was phased over a 4-year period, has transformed the school buildings with new external cladding, toilets, ceilings, floors, heating system, electrics, windows and ICT equipment.  All classrooms were also redecorated and refurbished.

A significant part of the refurbishment project at Dalmilling School was carried out by Ayrshire-based building contractors William Skinner & Son, project manager Jim McCurdy.

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Cambridge, England, 12 November 2009--After raising £3,355 for children and young people’s charity CLIC Sargent by participating in a 60-mile London to Cambridge cycle ride, members of the Cambridge office of commercial property firm Lambert Smith Hampton (LSH) visited Ward C2 at Addenbrooke’s Hospital to present the cheque to representatives of the charity.

Ward C2 is one of the largest specialist children’s oncology wards in the country, with 17 beds in addition to a day centre. The patients range in age from three to 16 years. and come from all over East Anglia and the South East.

Ward C2 benefits from CLIC Sargent’s support by way of seven CLIC Sargent funded staff, including social workers, youth workers and play specialists.

Andrew McGahey, Head of LSH’s Cambridge Office commented: “When we saw the bravery of the children and the commitment of the staff at Ward C2 our efforts were put into perspective. This is our third year supporting CLIC Sargent, and we are already planning our fundraising activities for next year!”

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The Citizens Advice Scotland has today released the latest of its seven recent reports cataloguing the harsh reality of debt within Scotland. The reports document that, following news at the end of quarter two in 2009, Scots are struggling under unmanageable burdens of financial difficulty and debt and are making serious sacrifices in order to meet debt repayment demands from creditors.

What are the consequences of both the situations likely to occur as a consequence of a crisis in personal financial management and the unsustainable methods being utilised in order to meet debt payment obligations? David Brown examines these issues with the CAS statistics firmly in consideration.

The statistics published provide a startling insight into the financial difficulties that individuals in Scotland are experiencing with the most affected groups including youth and pensioner age groups, single parents and individuals classed as sick or disabled. These figures, when understood in the context of the recent news on the rising levels of debt owed through facilities of consumer credit, detail a worrying trend in the use of credit as unfeasible long-term financial strategies.