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Question by i hate phil collins: Alright, so I want to get an online degree– What schools are scams? Which are best?
I know that a lot of online-schools are scams and “degree-mills”. Which ones are not?

I’m in California if that makes a difference….

I would like to find a school where I make monthly payments if possible–

I once did a course through PCDI, and I thought it was a complete scam… I don’t want to be scammed!!!

Thank you so much for your help!

Best answer:

Answer by Serendipity
You should take your online degree courses from a major university that offers both on-site and off-site degrees. That way you won’t be scammed. Some of the online degree sites are scams but there are others that are not really scams but are not as readily accepted by employers as a degree from a major university.

Athens State University and Oregon State University are two examples.

Any college you select should be accredited by one of the regional accrediting associations. Do not be misled by sites that tell you that their institution is “accredited” – be sure you know by whom it is accredited. They must tell you this in their catalogs. If a college doesn’t have this information online you should be suspicious that it is a scam.

This is a good site to learn about regional accreditation associations and their names:

http://en.wikipedia.org/wiki/Regional_accreditation

You didn’t mention what you want to major in. If it is a profession such as business or education, be sure the degree is also accredited by its professional accrediting organization – AACSB (Association to Advance Collegiate Schools of Business) for business and NCATE (National Council for Accreditation of Teacher Education) for education.

First, look for colleges that offer the major you want. Then, make sure they are regionally accredited. Only then should you compare costs, which you can do by looking at the catalogs of each college you are interested in and making comparisons.

You have to be highly motivated and self-disciplined to complete a degree online.

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Ready to Refinance from First Tennessee Bank (ftb.com); Do people ever relock at a new interest rate when refinancing?

Discover more about refinancing with practical information from First Tennessee financial professional Nancy Brown. Nancy talks about mortgage refinancing from the homeowner’s perspective, how equity impacts the process, how home values are determined and more. For more information about lending, call 800-609-2116, go to ftb.com or a visit financial center near you.
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Question by Jentleman: Do people ever relock at a new interest rate when refinancing?
I just called a mortgage consultant at a bank to lock in a mortgage rate and start the refinancing process. The rates just dropped another .25% today. Should I call the bank back and offer to pay another fee (around $ 400) to try to relock at a slightly lower rate?

Best answer:

Answer by pvscholar
If saving over the term of loan is greater than $ 400 you should do it

What do you think? Answer below!

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