Education For Sustainable Energy Development (ESED) Scholarship Program 2019/2020

The Global Sustainable Electricity Partnership (GSEP) - A non-profit, CEO-led organization of leading electricity companies driving sustainable energy development worldwide through capacity-building activities and small-scale renewable energy projects.

Title: 2019/2020 Education for Sustainable Energy Development (ESED) Scholarship Program

Background/Program Summary

The Global Sustainable Electricity Partnership (GSEP) has had a long-standing commitment to education. In 2001, the Partnership reinforced this commitment by establishing the Education for Sustainable Energy Development (ESED) scholarship program to support students from developing countries and economies in transition. The ESED program offers master’s level scholarships to outstanding students for a period of up to two years. In addition to the master’s scholarships offered, the ESED program also supports a web-based network of scholars designed to encourage the sharing of information and knowledge among scholars and alumni.
The purpose of the ESED scholarship is to support outstanding students pursuing advanced studies in sustainable energy development and to encourage meaningful contributions to the collective body of knowledge about this subject.
The scholars are exceptional students from developing countries studying in sustainable energy development. Today, the need for globally-oriented practitioners and researchers is growing rapidly. Our one-of-a-kind scholarship program fosters the next generation of energy, climate, and electricity sector specialists who will be prepared to tackle the challenges of the future.

The Global Sustainable Electricity Partnership considers an outstanding student to be one who:

Graduates with excellent grades in the top 20% of her/his class
Is determined to advance her/his knowledge and understanding
Has a history of community involvement
Is committed to sustainable energy
Is committed to return and contribute to her/his home country

SCHOLARSHIP REQUIREMENTS

Who’s Eligible?
To be eligible for this scholarship, prospective applicants must:

Undertake master’s-level studies in sustainable energy development. Eligible applicants must be pursuing full-time studies for at least one full school year (two or three semesters), beginning in autumn 2019. Students in the second year of a two-year program are eligible to apply, provided that they meet this requirement.
Be a citizen of a developing country/territory on the List of official development aid recipients identified by the Development Co-operation Directorate (DAC) of the Organisation for Economic Co-operation and Development (OECD)
Be committed to returning to their home country/territory after their studies to contribute to its development
Be an outstanding student:
- Graduates with excellent grades in the top 20% of their class
- Is committed to sustainable energy development
- Has a history of community involvement
- Is determined to advance their knowledge and understanding

What are the required documents?
You must provide an electronic copy of all the documents listed below:

Passport (photo page only) or birth certificate
Curriculum vitae detailing your education, work experience (if applicable), awards, and participation in volunteer and/or extracurricular activities
Admission letter from your university program of choice
- Upload a copy of your official letter of admission from the university
- If you have not yet received a letter of admission, you can upload an acknowledgement of receipt from your university showing that you have applied for admission
- If you receive your official admission letter after the scholarship application deadline, it is your responsibility to forward it via email to: scholarship@globalelectricity.org by no later than April 19, 2019. If we do not receive your official admission letter by this date, your application will not be considered
- If this application is for the second year of a two-year program, please include proof of enrollment

Program outline:

Upload an outline of the curriculum or the courses you will be taking for your master’s program
Upload a copy of your complete university transcript(s)
If the language of your original transcript(s) is not English, we require a certified translation of the document which includes the name of the translator as well as a copy of the original (untranslated) transcript
If this application is for the second year of a two-year master’s program, please include your transcript for your first year
You need to provide a completed copy of the Academic Reference Form. The form must be completed in English.
The form must be completed by a faculty member or professor at your current or previous university who knows your academic abilities
Should the referee wish to send the Academic Reference Form directly to the Global Sustainable Electricity Partnership, they can email it to scholarship@globalelectricity.org by March 8, 2019. If received, it will be indicated in the online application system after you submit your application.
You need to provide one reference letter from either an academic or personal referee
The reference needs to be in letterform (with an official letterhead of the referee’s organization, if possible), written in English, and must be dated and signed by the referee
An academic referee must be a faculty member or professor at your current or previous university who knows your academic abilities. They cannot be the same person as the individual who completes your Academic Reference Form.
A personal referee should be a person (e.g. employer, supervisor, mentor, coach) who can discuss other personal qualities or interests that make you specially qualified to receive the scholarship. This referee cannot be a family member
Please make sure that the referee includes your full name in their letter
Should the referee wish to send their letter directly to the Global Sustainable Electricity Partnership, they can send email it to scholarship@globalelectricity.org by March 8, 2019. If received, it will be indicated in the online application system after you submit your application.
University transcript(s):
Academic Reference Form:
Academic or personal reference letter:

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7 Personal Loan Companies That Help You Pay Off Debt Quickly

Do you sometimes feel like you’re not making progress on your debt? There’s probably a reason for that: A good chunk of each monthly payment goes toward interest.

If you want to get off the debt treadmill, one strategy is to consolidate your credit cards into a single payment. Personal loan companies can help you lower your interest rate, ensuring more of your monthly payment goes toward reducing your principal. You get out of debt faster and save money doing it.

Best personal loan companies to help you pay off debt

As you research debt consolidation companies, it’s important to look at the terms and determine what will work best for you.

“You’ll have more choices for favorable loan terms when you have good credit and income,” said Tom Drake, a financial analyst and the founder of MapleMoney. “You’ll have a better chance at the lowest interest rate when you prove that you aren’t a default risk.”

Here are seven personal loan companies that offer favorable rates for well-qualified borrowers.

1. LendingTree – Start Shopping Here

LendingTree helps you compare personal loans from multiple lenders at once, including the lenders below. With LendingTree’s online form, you can receive offers from up to 5 different lenders and there will only be a soft pull on your credit, meaning that your score won’t be negatively impacted. We recommend that you start here and comparison shop between lenders in order to get the best rates on your loan. (Note: Student Loan Hero is owned by LendingTree)

See Personalized Rates

2. Citizens Bank

Citizens Bank can be a great choice because it offers competitive rates and charges no fees for debt consolidation. You also can choose from a variety of loan terms and rates. However, this personal lender has the highest minimum credit score requirement on our list.

Minimum FICO score: 680
Minimum annual income: $24,000
Loan amounts: $5,000 to $50,000
Loan terms: three, four, five, six, and seven years
Interest rates: fixed plus a 0.25% discount for existing Citizens Bank customers and an additional 0.25% discount for autopay
Credit check: soft pull for rate estimates
Fees: no origination, application, or prepayment fees for debt consolidation loans

Get rates from Citizens Bank and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

3. SoFi

The main advantage of SoFi is the fact that it’s the only personal loan company on this list that allows you to borrow up to $100,000 for debt consolidation. Additionally, SoFi doesn’t have a minimum FICO requirement, which makes it the best way to consolidate debt with bad credit. The minimum annual income is on the high side to make up for it, however.

Minimum FICO score: Good or excellent
Minimum annual income: $50,000
Loan amounts: $5,000 to $100,000
Loan terms: three, five, and seven years
Interest rates: fixed and variable plus a 0.25% discount for setting up autopay
Credit check: soft pull for instant rate quotes
Fees: no origination or prepayment fees for debt consolidation loans
Hardship program: unemployment program to pause payments temporarily after job loss

Get rates from SoFi and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

4. Earnest

Earnest has a minimum credit score requirement, but it also has a flexible underwriting program that can take into account special circumstances. There’s no income requirement, so Earnest loans can be useful for entrepreneurs.

Minimum FICO score: 660
Minimum annual income: N/A
Loan amounts: $2,000 to $50,000
Loan terms: one, two and three years
Interest rates: fixed
Credit check: soft pull for rate estimates
Fees: no origination, application, or prepayment fees on personal loans

Get rates from Earnest and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

5. Payoff

Payoff is a personal loan company that offers loans specifically aimed at consolidating or refinancing your credit card balances. However, the maximum loan amount is on the low end for our list. If you have a smaller amount of debt to consolidate, Payoff might work for you.

Minimum FICO score: 640
Minimum annual income: N/A
Loan amounts: $5,000 to $35,000
Loan terms: two, three, four, and five years
Interest rates: fixed rate for debt consolidation loans
Credit check: soft pull for personal loan rate estimates
Fees: origination fee of 2% to 5%, depending on the term

Get rates from Payoff and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

6. Upstart

With a low annual income requirement and a low credit score minimum, Upstart is one of the easiest personal loan companies to qualify for. Plus, Upstart uses alternative items — including work history, education, and earning potential — to supplement your credit profile.

Minimum FICO score: 620
Minimum annual income: $12,000
Loan amounts: $1,000 to $50,000
Loan terms: three and five years
Interest rates: fixed
Credit check: soft pull for rate estimates
Fees: origination fee of 1% to 8%

Get rates from Upstart and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

7. LendingClub

LendingClub offers you the chance to use its peer-to-peer lending platform. LendingClub’s eligibility requirements are flexible, and you might be able to get a personal loan when more traditional lenders aren’t willing to look at your situation.

Minimum FICO score: 600
Minimum annual income: N/A
Loan amounts: $1,000 to $40,000
Loan terms: three and five years
Interest rates: fixed
Credit check: soft pull to get a rate estimate
Fees: origination fee of 1% to 6%

Get rates from LendingClub and other lenders on Lendingtree:Disclaimer: Student Loan Hero is a subsidiary of Lendingtree.

Pros and cons of debt consolidation programs

Before you decide to get a loan with one of these debt consolidation companies, it’s important to know what you’re getting into. Debt consolidation can be an effective tool — but only if you’re careful.

Advantages of debt consolidation

The biggest advantage of using a personal loan to pay off your high-interest debt is the fact that you can save money in the long run.

“Credit cards are known for having high interest rates,” said Harlan Landes, a consumer finance expert. “If you can get a lower rate with a personal loan, it could mean a savings of thousands of dollars.”

Using our credit card consolidation calculator, you can see how it’s possible to save more than $7,000 by consolidating to a five-year loan with an interest rate of 8.99%.

Not only are you saving a good chunk of change, but your monthly payment is also lower, resulting in better monthly cash flow. A four-year consolidation loan would keep your monthly payment roughly the same but save you $8,000 in interest and get you out of debt sooner.

Debt consolidation also streamlines your debt management approach. Instead of making several payments each month, you have to make only one.

“If you’re having trouble keeping track of your payments and things are falling through the cracks, a debt consolidation loan can simplify your finances,” said Landes. “Plus, the potential for improved monthly cash flow frees your budget a bit, giving you breathing room and more confidence.”

The risk of debt consolidation loans

“The biggest downside with a consolidation loan is the fact that you could wind up in even more debt if you aren’t careful,” said Drake. “Once you get that personal loan and pay off your credit cards, suddenly you have all this new credit available. It can be tempting.”

It’s not always easy to avoid this temptation, but it’s possible. Start by tracking your spending to see where you can cut back on unnecessary expenses. Then, make sure you have the money in hand before you spend on other items. Shift your mindset to one of saving for what you want to buy. Begin putting a small amount of money aside each week to get used to the idea.

Landes agreed. “Before you consolidate your debt with a personal loan, make sure you change your approach to money,” he said. “Make sure you stop debt spending. Put your credit cards on ice or cut them up if you think you’ll turn around and rack up more debt.”

Change your financial habits before consolidating debt

Landes pointed out that even though it can be disheartening to be in debt, it’s more of a symptom than the actual problem. When you find the underlying cause of your debt, you can focus on fixing that issue. Eventually, the debt will disappear as you take steps to change your financial habits.

Make it a point to cut out some of your expenses or earn more money — or both. Look for ways to ensure that you aren’t spending money on things that don’t matter to you. Once you have your budget under control, you can feel more confident about getting a personal loan to consolidate your debt.

5 Tips For Defending Yourself In A Student Loan Debt Lawsuit

Oftentimes people have no idea they are about to be sued when they learn that they have a student loan debt lawsuit filed against them. Receiving the actual lawsuit can be very intimidating. The attorney (or team of attorneys) for your student loan lender is well versed in debt collection laws. Once a suit is filed against you, it is rare for the problem to just simply disappear. Your best defense in winning a private student loan lawsuit is to be well informed, whether that is through educating yourself or hiring a debt relief attorney to fight back and possibly save you thousands of dollars. And, as I will explain further, you can also try to settle your student debt lawsuit before it goes to trial.

If you do decide to handle your student loan lawsuit on your own, you need to be aware of how the process works:

File a proper response to the lawsuit. The first notice you receive about a student loan debt collection lawsuit is likely to be the “Summons and Complaint,” which outlines the claims against you. It’s essential that you file a response to this document with the court. You want to avoid having a judgment against you automatically, which is known as a default judgment.

Ask for proof of the debt. The plaintiff has to prove the allegations against you in order to win the case, so you should request that your student loan creditor provide evidence of the claims for the student debt lawsuit. The plaintiff may not have the necessary proof, which may open the door for settlement.

Determine whether the lawsuit complies with the Statute of Limitations. A creditor does not have an unlimited amount of time to initiate a lawsuit to collect a debt. In California, they must file the lawsuit within four years from the date the debt became due – a time period known as the Statute of Limitations. You can defend a debt collection lawsuit by showing that the plaintiff did not file the lawsuit within that amount of time.

Contest improper service. There are certain requirements that the plaintiff must meet in terms of notifying you of the lawsuit. In general, you must be served with the Summons and Complaint by a police officer or other official at the place of your normal residence. If you were not, you may have a defense based on improper service.

Fight the debt collection lawsuit with a counterclaim. You may have a claim against the plaintiff debt collector if they’ve acted in violation of the law, especially the Fair Debt Collection Practices Act. The FDCPA allows you to recover attorneys’ fees and costs if the plaintiff does not comply with its provisions.

Follow These 5 Tips If You Are Overwhelmed By Student Loan Debt

It is understandable to feel overwhelmed by student debt – you certainly aren’t the only person. Total student debt in the United States is upwards of $1 trillion, only second behind mortgage debt, so it’s easy to see why so many people feel overwhelmed when dealing with their student debt.

Dealing with student debt makes other things in life that much tougher, especially getting financing for other purchases such as a mortgage. Feeling like there is no end to your student debt and have no idea what to do? Then follow these 5 tips:

1. Work Out Total Debt

Like with any type of debt, it’s important to take stock of how much you owe. Most students have debt from various sources accumulated after each year of college, so it’s easy to get lost in all the numbers.

It may feel daunting but sit down and work out how much your debt totals, after which you can begin to formalize a strategy for paying it back. This process is difficult as it can feel stressful to see how much you owe, but it really does help in the long run.

2. Determine Loan Terms

As most students have several loans after college, there is going to be variances in the terms of each long. So, start to categorize all the different terms of loans, including the different repayment amounts and interest rates.

Along with working out your total debt, this step allows you to determine the exact terms of each loan and how to avoid unnecessary interest fees and possible penalties. Be sure to read the fine print of every loan so there are no unexpected fees you’ve missed.

3. Make the Most of Grace Periods

The grace period of a student loan refers to the period of time after graduation where you need to start paying the loan back. It varies from each school, so be sure to understand how much time you have before you need to start paying back – this is the perfect time to start saving to avoid feeling overwhelmed.

4. Pay the Highest Loans First

As student loans have various sources, the interest fees are likely to differ too. One of the more effective ways of dealing with the stresses of student loan debt is to target loans with the highest interest first.

A good method for doing this is to budget above repayment fees each month whenever possible, then applying the additional fees to the loan with the highest interest rates. Once this is paid off repeat the process for the next highest loan, continuing to do so to help reduce the largest debt fees first.

5. Think About a Consolidation Loan

Consolidating a student loan is a very worthwhile endeavor, especially for those with debt from various sources. In doing so, you may end up with lower monthly rates going towards a single loan, and in many instances an extended deadline to pay it back

However, this type of loan is usually best saved for people that feel completely overwhelmed by student loan debt, as the major setback of a consolidation loan is higher interest rates and possibly a longer repayment period.

Tips for Borrowers Negotiating a Loan

Tips for Borrowers Negotiating a Loan: Part 5 Closing Documents

Banking and Finance, Business Transactions & Corporate Governance

Clint M. Hanni

Loan transactions are document intensive. When the agreements have all been drafted and agreed, it’s time for the lender and borrower to sign the documents and fund the loan. Closings can be easy or hard. Here are some tips to make them as smooth as possible.

1. Authorizing resolutions. After the main transaction documents are complete, there may remain other documents to be drafted, agreed and signed. For example, the lender wants assurance that the borrower’s board of directors has authorized the loan. To that end, the lender may provide its own form of board resolution for the borrower. It can take time to organize a meeting or pass around resolutions for signatures. Borrowers should plan to remain involved and put in extra time even after the documents are finalized.

2. Closing certificates. Most loans in excess of a few million dollars will require officers of the borrower to certify that all representations and warranties are true and that all conditions to the loan have been met. Other certificates may be required with respect to resolutions, articles of incorporation and bylaws of the borrower. In addition, the lender may ask for a solvency certificate to confirm the borrower is solvent. Insurance certificates may be required. Here’s the point—a fair amount of work remains to be done after the main loan documents are complete. Finance counsel can walk you through it all.

3. Third party documents. Closings are often delayed because the lender requires third parties, such as landlords, to sign documents (e.g., consents to collateral assignments of agreements or landlord estoppels). An experienced lawyer will help the borrower identify these documents in advance so that they can be distributed to third parties well before the closing. Lenders may be willing to accept such documents on a post-closing basis.

4. Closing mechanics. In the old days, all parties used to gather in a conference room to sign and release deal documents. That rarely happens nowadays. Most closings are done via email with little face-to-face interaction. But loan closings are still complicated. Final versions of the documents need to be gathered and distributed to each side for signatures. Some documents, such as stock certificates to be taken by the lender as collateral, must be delivered to the lender’s attorney. The lender may require the borrower’s attorney to render a closing opinion that the loan documents are enforceable.