U.S. Has Slipped In Key Educational Rankings

The Organisation for Economic Co-operation and Development (OECD) recently released its global rankings of how students in various countries do in reading, science, and math. Results of the full survey can be found and delved into here. The results clearly show that Asian countries are are leaving everyone else in their collective dust. The United States, meanwhile, ranks below the OECD average in every category. And as the WSJ notes, the US has slipped in all of the major categories in recent years: The results from the 2012 Program for International Student Assessment (PISA), which are being released on Tuesday, show that teenagers in the U.S. slipped from 25th to 31st in math since 2009; from 20th to 24th in science; and from 11th to 21st in…

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The Organisation for Economic Co-operation and Development (OECD) recently released its global rankings of how students in various countries do in reading, science, and math. Results of the full survey can be found and delved into here. The results clearly show that Asian countries are are leaving everyone else in their collective dust.

The United States, meanwhile, ranks below the OECD average in every category. And as the WSJ notes, the US has slipped in all of the major categories in recent years:

The results from the 2012 Program for International Student Assessment (PISA), which are being released on Tuesday, show that teenagers in the U.S. slipped from 25th to 31st in math since 2009; from 20th to 24th in science; and from 11th to 21st in reading, according to the National Center for Education Statistics, which gathers and analyzes the data in the U.S.

Here are highlights of the newly released 2012 scores from the Program of International Student Assessment, an exam given every three years to 15 year olds around the world in reading, math and science. In this administration of PISA, 65 countries and education systems participated. Connecticut, Florida, and Massachusetts each participated for the first time as international benchmarking systems and received separate scores.

These results are part of a release on the PISA results from the U.S. National Center for Education Statistics.

Key findings:

MATHEMATICS LITERACY:

Average scores in mathematics literacy ranged from 613 in Shanghai-China to 368 in Peru. The U.S. average score was 481, which was lower than the OECD average of 494. The U.S. average was lower than 29 education systems, higher than 26 education systems, and not measurably different than 9 education systems.

Massachusetts and Connecticut mathematics literacy average scores were 514 and 506, respectively. Massachusetts’ average was higher than the OECD and U.S. averages and Connecticut’s was higher than the U.S. average but not measurably different than the OECD average. Florida’s average score (467) was lower than the OECD and U.S. averages.

The U.S. mathematics literacy average score in 2012 was not measurably different than any earlier comparable time point (2003, 2006 and 2009). There was no measurable change in average mathematics literacy scores in 33 of the 62 education systems, including the United States, that participated in PISA in 2009 and 2012, but 18 education systems’ average scores increased between 2012 and 2009. Percentages of top performing 15-year-old students (those scoring at PISA proficiency level 5 or above) in mathematics literacy ranged from 55 percent in Shanghai-China to nearly 0 percent in Colombia and Argentina. In the United States, 9 percent of 15-year-old students scored at proficiency level 5 or above, which was lower than the OECD average of 13 percent. The U.S. percentage was lower than 27 education systems, higher than 22 education systems, and not measurably different than 13 education systems.

The percentage of 15-year-old students performing below PISA proficiency level 2, which is considered a baseline of proficiency by the OECD, ranged from 4 percent in Shanghai-China to 76 percent in Indonesia. In the United States, 26 percent of 15-year-old students scored below level 2, which was higher than the OECD average of 23 percent. The U.S. percentage was higher than 29 education systems, lower than 26 education systems, and not measurably different than 9 education systems.

In Massachusetts and Connecticut, 19 and 16 percent of students, respectively, were top performers in mathematics, scoring at PISA proficiency level 5 or above and 18 and 21 percent, respectively, scored below level 2. In Florida, 6 percent of student scored at level 5 or above and 30 percent scored below level 2.

SCIENCE LITERACY:

Average scores in science literacy ranged from 580 in Shanghai-China to 373 in Peru. The U.S. average science literacy score was 497. This was not different from the OECD average of 501. This was lower than the average in 22 education systems. The U.S. average was higher than 29 education systems and was not measurably different than 13 education systems.

Massachusetts and Connecticut science literacy average scores, 527 and 521, respectively, were higher than the OECD and U.S. averages. Florida’s average score (485) was lower than the OECD average and not measurably different than the U.S. average.

The U.S. science literacy average score in 2012 was not measurably different than either earlier comparable time point (2006 and 2009). There was no measurable change in average science literacy scores in 43 of the 62 education systems, including the United States, that participated in PISA in 2009 and 2012, but 13 education systems’ average scores increased between 2009 and 2012.

Percentages of top-performing 15-year-old students (those scoring at PISA proficiency level 5 or above) in science literacy ranged from 27 percent in Shanghai-China and 23 percent in Singapore to nearly 0 percent in eight education systems. In the United States, 7 percent of 15-year-old students scored at proficiency level 5 or above, which was not measurably different from the OECD average of 8 percent. The U.S. percentage was lower than 17 education systems, higher than 27 education systems, and not measurably different than 15 education systems.

In science literacy, the percentage of 15-year-old students performing below PISA proficiency level 2, which is considered a baseline of proficiency by the OECD, ranged from 3 percent in Shanghai-China and 5 percent in Estonia to 67 percent in Indonesia and 68 percent in Peru. In the United States, 18 percent of U.S. 15-year-old students scored below level 2, which was not measurably different from the OECD average of 18 percent. The U.S. percentage was higher than 21 education systems, lower than 29 education systems, and not measurably different than 14 education systems.

In Massachusetts and Connecticut, 14 and 13 percent of students, respectively, were top performers in science, scoring at PISA proficiency level 5 or above and 11 and 13 percent, respectively, scored below level 2. In Florida, 5 percent of student scored at level 5 or above and 21 percent scored below level 2.

READING LITERACY:

Average scores in reading literacy ranged from 570 in Shanghai-China to 384 in Peru. The U.S. average score was 498, which was not measurably different from the OECD average of 496. The U.S. average was lower than 19 education systems, higher than 34 education systems, and not measurably different than 11 education systems.

Massachusetts and Connecticut reading literacy average scores, 527 and 521, respectively, were higher than the OECD and U.S. averages. Massachusetts was outperformed by only three education systems, and Connecticut by four. Florida’s average score (492) was not measurably different than the OECD or U.S. averages.

The U.S. reading literacy average score in 2012 was not measurably different than any earlier comparable time point (2000, 2003, and 2009). There was no measurable change in average reading literacy scores in 34 of the 62 education systems, including the United States, that participated in PISA in 2009 and 2012, but 21 education systems’ average scores increased between 2009 and 2012.

Percentages of top performing 15-year-old students (those scoring at PISA proficiency level 5 or above) in reading literacy ranged from 25 percent in Shanghai-China and 21 percent in Singapore to nearly 0 percent in 3 education systems. In the United States, 8 percent of U.S. 15-year-old students scored at proficiency level 5 or above, which was not measurably different from the OECD average of 8 percent. The U.S. percentage was lower than 14 education systems, higher than 33 education systems, and not measurably different than 12 education systems.

In reading literacy, the percentage of 15-year-old students performing below PISA proficiency level 2, which is considered a baseline of proficiency by the OECD, ranged from 3 percent in Shanghai-China to 60 percent in Peru. In the United States, 17 percent of U.S. 15-year-old students scored below level 2, which was not measurably different from the OECD average of 18 percent. The U.S. percentage was higher than 14 education systems, lower than 33 education systems, and not measurably different than 17 education systems.

In Massachusetts and Connecticut, 16 and 15 percent of students, respectively, were top performers in science, scoring at PISA proficiency level 5 or above and 11 and 13 percent, respectively, scored below level 2. In Florida, 6 percent of student scored at level 5 or above and 17 percent scored below level 2.

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Should We Have Declared Bankruptcy Instead of Paying Off $109,000 of Debt?

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On January 31^st, I made my final payment to my debt management plan. In 55 months, my wife and I eliminated $109,000 of credit card debt.

To say we are ecstatic would be an understatement.

Over the last four and a half years, it’s been suggested more than once that we took the wrong path to eliminate our debt. I’ve been told that bankruptcy would’ve been a far better choice. So, I decided to put our debt management plan and bankruptcy into a head-to-head debt relief battle, and see which option comes out on top.

Debt Management Program

During our initial consultations with our debt relief provider, we did the following:

• Provided a list of our creditors and balances


• Created a monthly budget to see how much we’d have available for a monthly payment


• Determined whether a debt management program was affordable, or if we needed to use a different debt relief option

Once we decided to go forward, each creditor was notified of our enrollment and was sent a proposal for a monthly payment and reduced interest rate. These terms would result in our debt being paid in full in five years. We had two creditors reject the proposal, because they wanted a slightly higher monthly payment. An updated proposal was sent, and within six weeks, all our creditors were on board.

We made 54 payments of $2,489, and one final payment of $3,992 for a total of $138,398. The breakdown of our payments looks like this:

• Debt repaid: $109,000


• Administration fees: $2,750


• Interest: $26,648

Chapter 7 Bankruptcy

With Chapter 7 bankruptcy, a debtor’s assets are liquidated, and the proceeds are used to pay the creditors. The rest of the debt is discharged, and the debtor is given a fresh financial start.

To qualify for Chapter 7, the debtor’s income must be below the median income in the state which they reside. If the debtor’s income is above the median, they must pass a strict means test to prove they’re unable to pay back their debt. Since our income exceeded the median for our state, and we wouldn’t have passed the means test, we wouldn’t have qualified for this.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a rehabilitation of a debtor’s finances through a regular payment plan that repays part or all of the debt. People filing for this type of bankruptcy must have regular income and show that they’re able to make consistent payments towards their debt.

This is the bankruptcy path we would’ve had to pursue.

Once we filed the bankruptcy petition, the following things would’ve occurred:

• A 341 meeting (meeting of the creditors) to verify all the information on the bankruptcy petition, such as our income and debts


• The creation of a detailed, judge-approved budget to determine how much discretionary funds we’d have available each month to pay our creditors

Because our income is above the state’s median, our repayment plan would’ve been 60 months (as opposed to 36 months for people whose income falls below it). I can’t say whether we would’ve been required to pay back all of our debt or not.

However, if we’d been ordered by the court to pay back every penny, we would’ve made an estimated $112,000 in payments, broken down like this:

• Debt repaid: $109,000


• Estimated bankruptcy lawyer fees: $3,000


• Interest: $0

Head-to-Head Comparison

• Length: The length of our debt management program was 55 months vs. the court-mandated 60 months for Chapter 13 bankruptcy.

• Amount paid: Even if we would’ve paid back 100% of our debt through Chapter 13, we would’ve paid more than $26,000 less out of pocket — because, according to Minnesota state law, no interest can accrue on credit card debt during bankruptcy repayment.

• Monthly payments: $2,489 for our debt management program vs. $1,867 if we repaid all our debt through bankruptcy (with 0% interest over 60 months).

• Income increases: Over the last 55 months, we’ve increased our income significantly through pay raises, my wife picking up an extra job, and my becoming a freelance writer. This extra income went right into our budget and improved our financial breathing room. Had we declared bankruptcy, we would’ve had to inform the court of each income increase — and the judge would decide how much of that income would go to our creditors each month.

• Mortgage refinance: We had an adjustable rate first mortgage, and an interest-only second mortgage. We took advantage of the historically low interest rates and refinanced our mortgage into a single, fixed rate loan a few months ago. Had we gone through Chapter 13, we probably wouldn’t have been able to successfully refinance. It’s not impossible to purchase a home while going through bankruptcy, but it’s difficult, and borrowers are usually forced to use subprime, adjustable rate mortgages because they’re viewed as high risk.

• Vehicle purchase : Our van is nearing the end of its life, but we’re trying to make it last as long as possible. Had it needed replacement during our debt repayment period, purchasing a car while enrolled in a debt management plan is very doable, and borrowers can even qualify for the lowest interest rates. People going through Chapter 13 must find a lender that will extend credit to them, and will likely be offered a higher interest rate.

• Credit rating: I’m exiting our debt management program with a credit score of 704, and my wife with 740. Bankruptcy can have a severe negative impact on a debtor’s credit rating for years after the repayment period has ended.

The Verdict

Laying out the facts above, it’s harder to pick a clear winner than I thought it would be. Bankruptcy has a very big advantage, because creditors can’t continue to charge interest during bankruptcy repayment, which results in a lower monthly payment.

Enrolling in a debt management program, however, allowed us to maintain much more control of our finances. We had the flexibility to refinance our home, which may save us thousands over the life of our mortgage. We didn’t have to go through the stress of court proceedings and having our monthly budget approved, and we didn’t have to go back to court each time our income changed.

But is that worth $26,000?

A person’s peace of mind is priceless. I’m not saying that going through our debt management program was stress-free, but the thought of having to go through court proceedings many times over the last four and a half years doesn’t sound attractive to me in the least.

I also don’t know whether we would’ve paid back all of our debt through bankruptcy. And it was very important to me that we DID pay back every penny.

We spent the money, and I believed we should repay it if we could. We’ve proved over the last 55 months that we were able to do so.

In my opinion, there’s a place and a need for bankruptcy if a person has come to a point where they absolutely can’t pay their debt. Through our debt management program, we were able to do so without involving legal proceedings. The final decision was difficult, but I still believe we made the right choice.

Do you think I made the right choice? Have you gone through bankruptcy? What was your experience?

This article originally appeared on MoneyNing.com. Let us know what you think (or read what others thought) here.

Related posts:

1. How to Know When to Declare Bankruptcy


2. 3 Viable Options for Dealing with Overwhelming Debt


3. 5 Common Misconceptions About Bankruptcy

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Gold and Silver – Daily Outlook for December 19th

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The FOMC ended their last meeting of the year with the decision to taper QE3 by $10 billion. This means, the asset purchase program declined to $75 billion per month starting next month. The FOMC reduced $5 billion from each…

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US Hispanic Population, 2010 » Graphic Sociology

US Hispanic Population, 2010 » Graphic SociologyNov 23rd, 2013 · 0 Comment pay per click US Hispanic Population, 2010 » Graphic Sociology via latino population in us – Google Blog Search:The predominant country of origin for Hispanic Americans is Mexico, accounting for almost two-thirds of the Hispanic population (63%). The Mexican American population continues to grow; Mexico is a much more populous …For more info: US Hispanic Population, 2010 » Graphic Sociologylatino population in us – Google Blog SearchUS Hispanic Population, 2010 » Graphic SociologyShare this post:Recent Posts Principal Launches Retirement Education Program for Hispanics 11/23/2013 · 0 Comment US Hispanic Population, 2010 » Graphic Sociology 11/23/2013 · 0 Comment Around the Wherever: Some Art Learnin': Frido Kahlo, Mexican Painter 11/23/2013 · 0 Comment pay per click

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US Hispanic Population, 2010 » Graphic Sociology

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The predominant country of origin for Hispanic Americans is Mexico, accounting for almost two-thirds of the Hispanic population (63%). The Mexican American population continues to grow; Mexico is a much more populous …

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Drugs and Wine: Italy’s Silver Lining

Drugs and Wine: Italy’s Silver Lining I have witnessed first hand the very positive relationship between drugs and wine in Italy.Italy is home to a truly unique approach to drug addiction; it’s called San Patrignano located in the Romagna section of Italy’s East Coast within sight of the Adriatic. Founded in 1978 by Vincenzo Muccioli, it is completely free to anyone accepted in the program. But they only accept people whose addiction has brought them to the nadir of despair and who are ready to commit to a 4 year intensive bootcamp. Once an addict agrees to enter San Patrignano, they are not allowed to leave. They must commit totally to the program which involves selecting a trade and enrolling in an internship.Among the trades offered are …

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Drugs and Wine: Italy’s Silver Lining

I have witnessed first hand the very positive relationship between drugs and wine in Italy.Italy is home to a truly unique approach to drug addiction; it’s called San Patrignano located in the Romagna section of Italy’s East Coast within sight of the Adriatic. Founded in 1978 by Vincenzo Muccioli, it is completely free to anyone accepted in the program. But they only accept people whose addiction has brought them to the nadir of despair and who are ready to commit to a 4 year intensive bootcamp. Once an addict agrees to enter San Patrignano, they are not allowed to leave. They must commit totally to the program which involves selecting a trade and enrolling in an internship.Among the trades offered are cooking, metal work, woodwork, farming and…….

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I have witnessed first hand the very positive relationship between drugs and wine in Italy.

Italy is home to a truly unique approach to drug addiction; it’s called San Patrignano located in the Romagna section of Italy’s East Coast within sight of the Adriatic. Founded in 1978 by Vincenzo Muccioli, it is completely free to anyone accepted in the program. But they only accept people whose addiction has brought them to the nadir of despair and who are ready to commit to a 4 year intensive bootcamp. Once an addict agrees to enter San Patrignano, they are not allowed to leave. They must commit totally to the program which involves selecting a trade and enrolling in an internship.

Among the trades offered are cooking, metal work, woodwork, farming and….wine production. In fact San Patrigano artifacts are highly regarded, especially their wines which have received numerous Tre Bicchieri awards, most recently their Avi Riserva 2008, based on the Sangiovese di Romagna. The 110 hectares of estate vineyards produce some 500,000 bottles and are sometimes referred to as a miniature Bolgheri on the Adriatic.

A recent headline in the NY Times was “Ex-Addicts Find Way and Head to Marathon.” It was referring to 6 runners from the San Patrignano drug rehab

Ex Addicts Prepare for Marathon

center who were preparing to run in the NY Marathon. They were part of the community of 1,300 residents who cultivate their own food, clean their own rooms and commit to a trade.

Visitors are allowed and my wife and I recently had the opportunity to experience first-hand life at San Patrigano. We toured the facilities, had lunch with wine with 1,300 others, (the residents never have wine with their meals) and had a private wine tasting with the head wine-maker.

Lunch for 1300 at San Patrignano

The administration of San Patrignano hopes that the exposure that comes with the runners in New York will make “our community known and available to other people in need all over the world, according to Letizia Moratti, president of its US affiliate, Friends of San Patrigano.

For more information on San Patrigano, please consult their webpage.

San Patrignano wine cellar

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Partnering with the poor: 4 powerful programs fighting poverty

Over the past decade, aid organizations have moved from handouts and giveaways to making markets work for, and by, the poor.Traditional charity provides immediate, short-term relief, but its benefits are limited and can lead to a level of dependency that threatens all efforts for sustainable growth. Instead, aid groups have shifted their focus to building local markets for the poor to become buyers, sellers and agents for long-term economic development.Building inclusive markets is a key approach that allows the poor to join with powerful partners in fighting poverty. If you’re wondering what this aid approach looks like, here are four programs that promote market-based solutions to poverty.Growing Inclusive Markets – UN Development ProgramLike its mothership, the United Nations, the Growing Inclusive …

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Over the past decade, aid organizations have moved from handouts and giveaways to making markets work for, and by, the poor.

Traditional charity provides immediate, short-term relief, but its benefits are limited and can lead to a level of dependency that threatens all efforts for sustainable growth. Instead, aid groups have shifted their focus to building local markets for the poor to become buyers, sellers and agents for long-term economic development.

Building inclusive markets is a key approach that allows the poor to join with powerful partners in fighting poverty. If you’re wondering what this aid approach looks like, here are four programs that promote market-based solutions to poverty.

Growing Inclusive Markets – UN Development Program

Like its mothership, the United Nations, the Growing Inclusive Markets initiative is a research-producing machine. The initiative states that massive economic growth in developing countries will only be achieved if the poor are seen as consumers, producers, business owners and employees, and not just the beneficiaries of corporate social responsibility dollars.

If you want case studies, Growing Inclusive Markets has case studies – the UN initiative counts more than 120 inclusive business models, "rigorously documented and reviewed," that follow its advice on how to include the poor in core business activities.

What it doesn’t do: Anything that's purely philanthropic. A development program may be altruistic but if it's not commercially sustainable, Growing Inclusive Markets isn't interested.

What it looks like on the ground: In Burkina Faso, the French organic cosmetics company L’Occitane invested in local women’s cooperatives, helping 15,000 employees produce and export quality shea butter and generate US $1.2 million in profits. Growing Inclusive Markets wants more of these success stories, and it is documenting as many examples as possible to make it easier for the next company to follow suit and, ultimately, alleviate poverty.

Opportunities for the Majority – Inter-American Development Bank

Mirroring its parent business, Opportunities for the Majority focuses on projects in Latin America and the Caribbean. The initiative helps poor people become key players in expanding local markets and earning profit by sponsoring building projects in sectors ranging from agriculture to infrastructure, and improving the poor’s access to these newly-created jobs.

The initiative promotes sustainable business models that connect companies, local governments and communities to the poor. The ultimate task is to identify local demand for quality products and show all parties that partnering with the poor can be both profitable and sustainable.

The Bank offers a variety of financial services to encourage engagement with poor communities, creating incentives for companies to expand operations and build long-lasting partnerships with the poor. And those at the bottom of the economic pyramid reap the benefits by receiving affordable goods and services, greater job opportunities and access to the formal economy.

What it looks like on the ground: In 2011, Opportunities for the Majority loaned US $2 million to support FINAE, a Mexican financial institution that provides student loans to middle- and low-income students.

The FINAE loans cover all tuition costs, and include training and tutorial support to the students. In turn, students must be in good academic standing to receive a loan. They pay only the interest on the loan while in school, and repay the full amount progressively after they leave school and find jobs.

Inclusive Business Models Group – International Finance Corporation

The International Finance Corporation, an arm of the World Bank, promotes inclusive business as a private sector approach to provide goods and services to the poor. By thinking of poor people not only as customers but also as potential suppliers, distributors, and retailers, the group develops successful partnerships with the poor while building up inclusive business models across the globe.

In 2012, the companies that worked with the IFC reached over 173 million farmers, students, patients, and utility customers directly, provided more than 13 million microfinance loans and created 284,000 jobs.

The Inclusive Business Models Group offers its business clients a collection of resources and networks to help scale up their models and in turn, develop more mutually beneficial partnerships with the poor.

What it looks like on the ground: ECOM Agroindustrial Corp. Ltd, a business client of the IFC, works directly with small scale coffee farmers throughout Central America. By providing opportunities for farmers to finance their production and access business training and technical support, ECOM has given farmers the tools to get both more quantity and quality out of their crops, boosting the value of their produce and the cash in their wallets. Between 2006 and 2012, ECOM purchased more than 81,000 metric tons of certified coffee to sell to branded product manufacturers like Starbucks and Nestlé Group, providing an additional $14.7 million in income for farmers.

Private Sector Development – The Donor Committee for Enterprise Development

The Donor Committee for Enterprise Development champions private sector development to help the poor find jobs, improve income and escape dependency on foreign assistance.

The committee uses a number of approaches that encourage risk-taking in public-private partnerships and takes into account the potential failure of markets or governments. By nudging investment behavior in a new direction, the committee seeks to expose uncharted investment opportunities that can promise profit for firms while improving markets and opportunities for the poor.

Expanding the private sector means that governments of developing countries can boost tax revenues needed to invest in health care, education and public infrastructure.

What it looks like on the ground: Vietnamese entrepreneurs used to face hundreds of regulations, making it nearly impossible to start new businesses, generate additional income or create job opportunities. The committee, in collaboration with Australia and the UN Development Program, provided support to the Vietnamese Parliament to draft and implement a new Enterprise Law, which was enacted in 2000. In just three years, 55,000 new businesses had registered, creating more than 1 million jobs. The law now creates an estimated 750,000 jobs annually by reducing some of the largest barriers involved in starting and operating a business in Vietnam.

These four programs prove that poor people can be important partners in the fight to eradicate poverty. When influential donors and aid organizations nudge businesses, governments and communities to promote inclusive markets, they create a powerful solution to poverty. The best solution, after all, will be one that lasts long after the dust has settled, and all of the aid workers have packed up and gone home.

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Reaching Out to Hispanic Students May Be Key for Some Colleges …

Reaching Out to Hispanic Students May Be Key for Some Colleges …

Reaching Out to Hispanic Students May Be Key for Some Colleges …Nov 10th, 2013 · Hispanic Students May Be Key for Some Colleges …”>0 CommentReaching Out to Hispanic Students May Be Key for Some Colleges … via hispanic colleges – Google Blog Search:Notre Dame de Namur’s comprehensive enrollment campaign included becoming a Hispanic-serving institution. When Notre Dame de Namur, a 162-year-old Catholic college located in the San Francisco Bay area, began the …For more info: Hispanic Students May Be Key for Some Colleges …”>Reaching Out to Hispanic Students May Be Key for Some Colleges …hispanic colleges – Google Blog SearchReaching Out to Hispanic Students May Be Key for Some Colleges …Share this post:Recent Posts Scholarship Program for Hispanic” href=”http://www.latinosprogresando.org/39share-…

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‘Share Possibilities’ Through Scholarship Program for Hispanic

‘Share Possibilities’ Through Scholarship Program for Hispanic

'Share Possibilities' Through Scholarship Program for HispanicNov 10th, 2013 · Scholarship Program for Hispanic”>0 Comment'Share Possibilities' Through Scholarship Program for Hispanic via hispanic college grants – Google Blog Search:Coca-Cola and the Hispanic Scholarship Fund ‘Share Possibilities’ through new scholarship program for Hispanic students.For more info: Scholarship Program for Hispanic”>'Share Possibilities' Through Scholarship Program for Hispanichispanic college grants – Google Blog Search'Share Possibilities' Through Scholarship Program for HispanicShare this post:Recent Posts Scholarship Program for Hispanic” href=”http://www.latinosprogresando.org/39share-possibilities39-through-bscholarshipb-program-for-bhispanicb.html”>'Share Possibilities' Through Scholarship Program for Hispanic 11/10/2013 · Scholarship Program for Hispanic”>0 Comment Hispanic Students May Be Key for Some Colleges …” href=”http://www.latinosprogresando.org/reaching-out-to-bhispanicb-students-may-…

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&#39;Share Possibilities&#39; Through <b>Scholarship</b> Program for <b>Hispanic</b>

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Coca-Cola and the Hispanic Scholarship Fund ‘Share Possibilities’ through new scholarship program for Hispanic students.

For more info: &#39;Share Possibilities&#39; Through <b>Scholarship</b> Program for <b>Hispanic</b>

hispanic college grants – Google Blog Search

&#39;Share Possibilities&#39; Through <b>Scholarship</b> Program for <b>Hispanic</b>

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‘Share Possibilities’ Through Scholarship Program for Hispanic

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