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Killarney Credit Union can help families manage costs of third-level education

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Killarney Credit Union.

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WITH the Leaving Cert results and CAO offers coming out this month, many families will see their child or children off to college for the first time. For these families, this can be an extremely stressful time, as the cost of third-level education continues to spiral, having a huge impact on family budgets and household spending.

Killarney Credit Union has stepped forward to remind its members that the credit union is here to help and have this week launched a new education loan at 6.2 % APR which can help families in the South Kerry area cover these costs.

According to 2015 ILCU research in the Republic of Ireland, 94% of parents were supporting their children financially through college, up from 74% in 2014. These parents were contributing an average of €453 per child per month to cover college related expenses.
Seventy-two per cent of parents supporting their children through third-level education were struggling to cover these costs.

This week Killarney Credit Union announced the opening of its 2016 bursary award which will give a €4,000 bursary to four third level students to attend college this academic year.

The bursary is open to all members of Killarney Credit Union who are attending college for the first time and is also open to students studying aboard and mature students.

Joy Clifford-Vaughan, youth officer with Killarney Credit Union, said: “Last year we had over 60 applicants for the awards and the lucky winners were Brian Myers, Sarah Courtney, Rebecca Smith and Natalia Makowska who received an award for €1,000.00 each. With the increased costs of attending third level, this bursary is a welcome financial aid for meeting those costs.”

Application forms are available in all branches and on the website www.killarneycu.ie. The closing date is Friday, September 23, at 5pm. Proof of acceptance on course must be provided in advance of payment of bursary.

Mark Murphy, CEO, Killarney Credit Union said: “The significant cost of third level education puts phenomenal pressure on both parents and students starting or returning to 3rd level education this year. The student registration fee combined with monthly rent and bills, books and materials, food and day to day expenses are a significant financial burden to many families.”

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Do facial treatments hurt?

It can be difficult to book your first facial, as you aren’t sure what your skin needs or what’s involved, but don’t worry, as that’s our job to make it […]

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It can be difficult to book your first facial, as you aren’t sure what your skin needs or what’s involved, but don’t worry, as that’s our job to make it an easy process.

One of the most asked questions I get asked is do facials hurt? The short answer is no, but I have to admit it depends on your skin type and what is required. Squeezing black heads isn’t the most comfortable moment during a facial, but we always have the skin well prepared, exfoliated and softened, and use steam to open the pores. Mostly a facial is super relaxing and comfortable.

Summer weather tends to bring with it oily skin and breakouts, but it’s often less acne prone in the winter. This doesn’t mean you shouldn’t be getting regular facials throughout the year however. The best way to see the benefits of a facial is to get them consistently. A good facial will have the products tailored to your skin type.

You have nothing to loose but excess oil and dead skin cells. I have a feeling men are more sensitive than women as they always ask about the pain involved first!

Give me a call to book in or if you’ve any other questions ring 064 6632966.

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Plan ahead for College Open Days

Niamh Dwyer is a Guidance Counsellor in Scoil Phobail Sliabh Luachra, Rathmore. For more careers information see www.mycareerplan.ie or follow @mycareerplan on Facebook, Instagram or Twitter.

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By Niamh Dwyer, Chairperson of the Kerry Branch of Guidance Counsellors
 

The College Open Day season for 2023 entrants starts in earnest in early October.

From then on, the Higher Education Institutes (HEIs) and Agricultural colleges will showcase what they have to offer to potential students. Further Education Colleges tend to host their open days from January onwards. Thankfully HEIs are back to hosting in-person open days but many are offering more specific information sessions on particular courses and departments virtually. College Open Days give students and parents a great chance to find out lots of interesting and detailed information about courses of interest and the many supports available, as well as giving the opportunity to get a feel for the college by availing of campus tours. You will find a complete list of the open days in the events sections of www.qualifax.ie and on www.careersportal.ie so take some time to make a list of the ones you want to attend.

Prepare and plan 

Do some basic research on the courses on offer. Check the entry requirements for each course of interest as you will need to meet these to be eligible to compete for a place on the course. Check out the modules and whether Erasmus or travel abroad options are available, as well as work placement. Don’t ignore a course or open day because you don’t expect to get enough points. You may do far better than you anticipate.
Have a good look at the college website – register for the open day in advance, download the schedule of talks and make note of the ones you want to attend. Make sure to download a map of the campus so you know exactly where to find the talks and presentations of interest. Jot down any questions you have as you will hopefully get a chance to talk to college staff and/or current students. Plan to arrive in plenty time as there are likely to be very large crowds attending. On the day, try to gather information about accommodation, clubs and societies and student supports. Many HEIs run talks for parents and on grants, HEAR (Higher Education Access Route) and DARE (Disability Access Route to Education) so check them out. Make sure to get contact details for any staff members which may be important later for follow-up questions.

Atmosphere

There is nothing like a College Open Day to give you a sense of what the campus feels like. Soak up the atmosphere and consider if the size of the campus is the best fit for you. Larger campuses can be intimidating for some students while exciting for others. Smaller campuses can feel more comfortable and manageable. You will know what feels right for you. Bear in mind that open days have a festival feel to them and regular college days are not always like that. This may be your only chance to visit the campus before you register there as a student so make the most of your day and enjoy it!

Niamh Dwyer is a Guidance Counsellor in Scoil Phobail Sliabh Luachra, Rathmore. For more careers information see www.mycareerplan.ie or follow @mycareerplan on Facebook, Instagram or Twitter.

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