Where Are You Going
Back To School?
Enrolling PreK to
8th Grade Students
www.AlphaSchool.org
TRADITION . INNOVATION . EXCELLENCE
A Private, Independent, Catholic Option
in the North Hills of Pittsburgh
All Faiths Welcome
Small Class Sizes, Individual Attention
Almost 100 years of Experience
Call Now to Enroll or Schedule a Tour
412-366-4455
Fall Open House
October 9th
5-7 PM
9000 Babcock Blvd, Allison Park, PA 15101
Royal Oak
• Figure out what you’ll owe and start to save early – Creating a budget early
will allow you to build a solid foundation for repayment after graduation.
Setting aside money each month toward future savings for repayment will set
you up for success come graduation day.
• Understand your repayment options – There are several different options
available to start paying off student loans based on the type of loan you
received. Common federal loan plans include standard, graduated, extended,
or income-based. Standard plans are payments in fixed amounts that ensure
loans are paid off in 10-30 years (these payments are often very high for new
graduates). Graduated plans are payments that start out lower and increase
every two years, also ensuring loans are paid off within 10-30 years (based on
loan). This plan assumes you’ll continue to make more money as you continue
your career path, so additional money is allotted to repayment as you go.
Extended plans may be made in a fixed amount or a graduated amount and
ensure payment in full within 25 years. Income-based plans take 10-15 percent
of your discretionary income and are recalculated each year. Once you are
married, your spouse’s income will also be considered, if filing jointly on tax
returns. Any outstanding balance on the loan will be forgiven after 20-25 years.
• Consolidate for ease – If you have multiple federal loans, consolidating them
into one can make repayment easier. But there may be fees or other conditions
associated with consolidating, so be sure to do your research.
• Is forgiveness an option? Some programs offer loan forgiveness if you meet
certain criteria or work in a particular field. People in government, nonprofit,
and other public service jobs may have the remainder of their loans forgiven
after 10 years of service. Additional forgiveness options are available for
nurses, teachers, AmeriCorps and Peace Corps volunteers, and some state and
private programs.
PRE-K – HIGH SCHOOL
Nursery School
& Kindergarten
5
Established 1967
Years
Now accepting
Enrollment
Family owned & Operated:
7 am to 6 pm
State Licensed and Certified
Teachers
Half/Full Day Education Programs
Ages: 3 thru 6 years old
Before/After school care
4413 Mt. Royal Blvd
Allison Park
www.royaloaksch.com
412.487.1668
38
724.942.0940 TO ADVERTISE
❘
icmags.com
The first public school opened in the United States in 1635, and the Boston
Latin School remains the nation’s oldest public school. Early education didn’t
focus on math or science, but on the virtues of family, religion and community.
Nearly 400 years later, schools are harnessing the fundamental principles
of community, and although it may look very different in this day and age, a
strong focus is being put on the importance of creating a safe school culture and
tapping into technology for limitless learning.
In 2019, students, parents, teachers, and administrators are seeing changes
both inside and outside of the classroom. One of the biggest changes in recent