The companion to our popular Student Support and Benefits Handbook, this annual title is the key guide to the benefits system for students in Scotland. It includes a quick guide to the grants and loans available for further and higher education in Scotland, and clear, easy-to-use information on students' benefit entitlement and how this is affected by their student income. Also included is information on how benefits are affected in vacations and if a student takes time out from their course. Fully updated for the 2019/20 academic year, the book is an invaluable resource for anyone who advises students in Scotland. It is fully cross-referenced to the law and includes easy-to-use checklists and examples.

Now widely available, the popular, award-winning, self-published guide to help women get out of debt, rebuild their credit, and fulfill their financial dreams.Patrice Washington rationalized her excessive spending. -I work hard, I deserve this.- -I bought it on sale.- But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free--and used the wisdom she gained to start her own successful real estate and mortgage brokerage--and by twenty-nine started her own financial counseling business.Patrice's former bad spending habits aren't unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many--including most African American women--are choosing to stay single.Real Money Answers for Every Woman teaches you how to take responsibility for your financial future, whether you're just starting out or need a fresh start. In a handy Q & A format, it offers relatable and easy to understand and implement advice on everything from managing credit cards, home ownership, and student loans to affordable childcare and even negotiating for a higher salary. Following Patrice's practical advice, you'll learn to form -wealthy- habits, establish an -opportunity fund, - stop collecting STUFF that causes debt, and discover the freedom that comes from feeling financially secure.