27.49
***p < 0.001.
The mean differences of the HCBS between the groups of grades.
To address the gap in the previous research on homework creativity, this study examined the psychometric proprieties of the HCBS and its relationship with academic achievement and general creativity. The main findings were (1) Hypotheses H1a and H1b were supported that the reliability and validity of the HCBS were acceptable; (2) Hypothesis H2 was supported that the correlation between the score of the HCBS and academic achievement was significant ( r -values = 0.23–0.26 for two samples); (3) Hypothesis H3 received support that the correlation between the scores of HCBS and WCAP was significant ( r -values = 0.20–0.29 for two samples); and (4) the H4 was supported from the current data that the score of high school students’ was lower than that of the middle school students’ (Cohen’s d = 0.49).
The first key finding should be noted is that the positive correlations with between pairs of homework creativity, homework completion, and general creativity. This result is inconsistent with prediction of an argument that homework diminishes creativity ( Cooper et al., 2012 ; Zheng, 2013 ). Specifically, the correlation between homework completion and curiosity was insignificant ( r = 0.08, p > 0.05) which did not support the argument that homework hurts curiosity of creativity ( Zheng, 2013 ). The possible reason may be homework can provide opportunities to foster some components of creativity by independently finding and developing new ways of understanding what students have learned in class, as Kaiipob (1951) argued. It may be the homework creativity that served as the way to practice the components of general creativity. In fact, the content of items of the HCBS are highly related with creative thinking (refer to Table 2 for details).
The second key finding should be noted is that the score of the HCBS decreased as the level of grades increased from 7 to 11. This is consistent with the basic trend recorded in the previous meta-analyses ( Kim, 2011 ; Said-Metwaly et al., 2021 ). There are three possible explanations leading to this grade effect. The first one is the repetitive exercises in homework. As Zheng (2013) observed, to get higher scores in the highly competitive entrance examination of high school and college, those Chinese students chose to practice a lot of repetitive exercises. The results of some behavior experiments suggested that repetitive activity could reduce the diverse thinking of subjects’ (e.g., Main et al., 2020 ). Furthermore, the repetitive exercises would lead to fast habituation (can be observed by skin conductance records) which hurts the creative thinking of participants ( Martindale et al., 1996 ). The second explanation is that the stress level in Chinese high schools is higher than in middle school because of the college entrance examination. The previous studies (e.g., Beversdorf, 2018 ) indicated that the high level of stress will trigger the increase activity of the noradrenergic system and the hypothalamic–pituitary–adrenal (HPA) axis which could debase the individual’s performance of creativity. Another likely explanation is the degree of the certainty of the college entrance examination. The level of certainty highly increases (success or failure) when time comes closer to the deadline of the entrance examination. The increase of degree of certainty will lead to the decrease of activity of the brain areas related to curiosity (e.g., Jepma et al., 2012 ).
From the theoretical perspective, there are two points deserving to be emphasized. First, the findings of this study extended the previous work ( Beghetto and Kaufman, 2007 ; Kaufman and Beghetto, 2009 ). This study revealed that homework creativity had two typical characteristics, including the personal meaning of students (as represented by the content of items of the HCBS) and the small size of “creativity” and limited in the scope of exercises (small correlations with general creativity). These characteristics are in line with what Mini-C described by the previous studies ( Beghetto and Kaufman, 2007 ; Kaufman and Beghetto, 2009 ). Second, this study deepened our understanding of the relationship between learning (homework is a part of learning) and creativity which has been discussed more than half a century. One of the main viewpoints is learning and creativity share some fundamental similarities, but no one explained what is the content of these “fundamental similarities” (e.g., Gajda et al., 2017 ). This study identified one similarity between learning and creativity in the context of homework, that is homework creativity. Homework creativity has the characteristics of homework and creativity at the same time which served as an inner factor in which homework promote creativity.
The findings in this study also have several potential practical implications. First, homework creativity should be a valuable goal of learning, because homework creativity may make contributions to academic achievement and general creativity simultaneously. They accounted for a total of 10.7% variance of academic achievement and general creativity which are the main goals of learning. Therefore, it is valuable to imbed homework creativity as a goal of learning, especially in the Chinese society ( Zheng, 2013 ).
Second, the items of the HCBS can be used as a vehicle to help students how to develop about homework creativity. Some studies indicated that the creative performance of students will improve just only under the simple requirement of “to be creative please” ( Niu and Sternberg, 2003 ). Similarly, some simple requirements, like “to do your homework in an innovative way,” “don’t stick to what you learned in class,” “to use a simpler method to do your homework,” “to use your imagination when you do homework,” “to design new problems on the basis what learnt,” “to find your own unique insights into your homework,” and “to find multiple solutions to the problem,” which rewritten from the items of the HCBS, can be used in the process of directing homework of students. In fact, these directions are typical behaviors of creative teaching (e.g., Soh, 2000 ); therefore, they are highly possible to be effective.
Third, the HCBS can be used to measure the degree of homework creativity in ordinary teaching or experimental situations. As demonstrated in the previous sections, the reliability and validity of the HCBS were good enough to play such a role. Based on this tool, the educators can collect the data of homework creativity, and make scientific decisions to improve the performance of people’s teaching or learning.
The main contribution is that this study accumulated some empirical knowledge about the relationship among homework creativity, homework completion, academic achievement, and general creativity, as well as the psychometric quality of the HCBS. However, the findings of this study should be treated with cautions because of the following limitations. First, our study did not collect the test–retest reliability of the HCBS. This makes it difficult for us to judge the HCBS’s stability over time. Second, the academic achievement data in our study were recorded by self-reported methods, and the objectivity may be more accurate. Third, the lower reliability coefficients existed in two dimensions employed, i.e., the arrange environment of the HMS (the α coefficient was 0.63), and the adventure of the WCAP (the α coefficient was 0.61). Fourth, the samples included here was not representative enough if we plan to generalize the finding to the population of middle and high school students in main land of China.
In addition to those questions listed as laminations, there are a number of issues deserve further examinations. (1) Can these findings from this study be generalized into other samples, especially into those from other cultures? For instances, can the reliability and validity of the HCBS be supported by the data from other samples? Or can the grade effect of the score of the HCBS be observed in other societies? Or can the correlation pattern among homework creativity, homework completion, and academic achievement be reproduced in other samples? (2) What is the role of homework creativity in the development of general creativity? Through longitudinal study, we can systematically observe the effect of homework creativity on individual’s general creativity, including creative skills, knowledge, and motivation. The micro-generating method ( Kupers et al., 2018 ) may be used to reveal how the homework creativity occurs in the learning process. (3) What factors affect homework creativity? Specifically, what effects do the individual factors (e.g., gender) and environmental factors (such as teaching styles of teachers) play in the development of homework creativity? (4) What training programs can be designed to improve homework creativity? What should these programs content? How about their effect on the development of homework creativity? What should the teachers do, if they want to promote creativity in their work situation? All those questions call for further explorations.
Homework is a complex thing which might have many aspects. Among them, homework creativity was the latest one being named ( Guo and Fan, 2018 ). Based on the testing of its reliability and validity, this study explored the relationships between homework creativity and academic achievement and general creativity, and its variation among different grade levels. The main findings of this study were (1) the eight-item version of the HCBS has good validity and reliability which can be employed in the further studies; (2) homework creativity had positive correlations with academic achievement and general creativity; (3) compared with homework completion, homework creativity made greater contribution to general creativity, but less to academic achievement; and (4) the score of homework creativity of high school students was lower than that of middle school students. Given that this is the first investigation, to our knowledge, that has systematically tapped into homework creativity, there is a critical need to pursue this line of investigation further.
Ethics statement.
The studies involving human participants were reviewed and approved by the research ethic committee, School of Educational Science, Bohai University. Written informed consent to participate in this study was provided by the participants’ legal guardian/next of kin.
HF designed the research, collected the data, and interpreted the results. YM and SG analyzed the data and wrote the manuscript. HF, JX, and YM revised the manuscript. YC and HF prepared the HCBS. All authors read and approved the final manuscript.
We thank Dr. Liwei Zhang for his supports in collecting data, and Lu Qiao, Dounan Lu, Xiao Zhang for their helps in the process of inputting data.
This work was supported by the LiaoNing Revitalization Talents Program (grant no. XLYC2007134) and the Funding for Teaching Leader of Bohai University.
The authors declare that the research was conducted in the absence of any commercial or financial relationships that could be construed as a potential conflict of interest.
All claims expressed in this article are solely those of the authors and do not necessarily represent those of their affiliated organizations, or those of the publisher, the editors and the reviewers. Any product that may be evaluated in this article, or claim that may be made by its manufacturer, is not guaranteed or endorsed by the publisher.
The Supplementary Material for this article can be found online at: https://www.frontiersin.org/articles/10.3389/fpsyg.2022.923882/full#supplementary-material
Decades of research show that homework has some benefits, especially for students in middle and high school—but there are risks to assigning too much.
Many teachers and parents believe that homework helps students build study skills and review concepts learned in class. Others see homework as disruptive and unnecessary, leading to burnout and turning kids off to school. Decades of research show that the issue is more nuanced and complex than most people think: Homework is beneficial, but only to a degree. Students in high school gain the most, while younger kids benefit much less.
The National PTA and the National Education Association support the “ 10-minute homework guideline ”—a nightly 10 minutes of homework per grade level. But many teachers and parents are quick to point out that what matters is the quality of the homework assigned and how well it meets students’ needs, not the amount of time spent on it.
The guideline doesn’t account for students who may need to spend more—or less—time on assignments. In class, teachers can make adjustments to support struggling students, but at home, an assignment that takes one student 30 minutes to complete may take another twice as much time—often for reasons beyond their control. And homework can widen the achievement gap, putting students from low-income households and students with learning disabilities at a disadvantage.
However, the 10-minute guideline is useful in setting a limit: When kids spend too much time on homework, there are real consequences to consider.
As young children begin school, the focus should be on cultivating a love of learning, and assigning too much homework can undermine that goal. And young students often don’t have the study skills to benefit fully from homework, so it may be a poor use of time (Cooper, 1989 ; Cooper et al., 2006 ; Marzano & Pickering, 2007 ). A more effective activity may be nightly reading, especially if parents are involved. The benefits of reading are clear: If students aren’t proficient readers by the end of third grade, they’re less likely to succeed academically and graduate from high school (Fiester, 2013 ).
For second-grade teacher Jacqueline Fiorentino, the minor benefits of homework did not outweigh the potential drawback of turning young children against school at an early age, so she experimented with dropping mandatory homework. “Something surprising happened: They started doing more work at home,” Fiorentino writes . “This inspiring group of 8-year-olds used their newfound free time to explore subjects and topics of interest to them.” She encouraged her students to read at home and offered optional homework to extend classroom lessons and help them review material.
As students mature and develop the study skills necessary to delve deeply into a topic—and to retain what they learn—they also benefit more from homework. Nightly assignments can help prepare them for scholarly work, and research shows that homework can have moderate benefits for middle school students (Cooper et al., 2006 ). Recent research also shows that online math homework, which can be designed to adapt to students’ levels of understanding, can significantly boost test scores (Roschelle et al., 2016 ).
There are risks to assigning too much, however: A 2015 study found that when middle school students were assigned more than 90 to 100 minutes of daily homework, their math and science test scores began to decline (Fernández-Alonso, Suárez-Álvarez, & Muñiz, 2015 ). Crossing that upper limit can drain student motivation and focus. The researchers recommend that “homework should present a certain level of challenge or difficulty, without being so challenging that it discourages effort.” Teachers should avoid low-effort, repetitive assignments, and assign homework “with the aim of instilling work habits and promoting autonomous, self-directed learning.”
In other words, it’s the quality of homework that matters, not the quantity. Brian Sztabnik, a veteran middle and high school English teacher, suggests that teachers take a step back and ask themselves these five questions :
By the time they reach high school, students should be well on their way to becoming independent learners, so homework does provide a boost to learning at this age, as long as it isn’t overwhelming (Cooper et al., 2006 ; Marzano & Pickering, 2007 ). When students spend too much time on homework—more than two hours each night—it takes up valuable time to rest and spend time with family and friends. A 2013 study found that high school students can experience serious mental and physical health problems, from higher stress levels to sleep deprivation, when assigned too much homework (Galloway, Conner, & Pope, 2013 ).
Homework in high school should always relate to the lesson and be doable without any assistance, and feedback should be clear and explicit.
Teachers should also keep in mind that not all students have equal opportunities to finish their homework at home, so incomplete homework may not be a true reflection of their learning—it may be more a result of issues they face outside of school. They may be hindered by issues such as lack of a quiet space at home, resources such as a computer or broadband connectivity, or parental support (OECD, 2014 ). In such cases, giving low homework scores may be unfair.
Since the quantities of time discussed here are totals, teachers in middle and high school should be aware of how much homework other teachers are assigning. It may seem reasonable to assign 30 minutes of daily homework, but across six subjects, that’s three hours—far above a reasonable amount even for a high school senior. Psychologist Maurice Elias sees this as a common mistake: Individual teachers create homework policies that in aggregate can overwhelm students. He suggests that teachers work together to develop a school-wide homework policy and make it a key topic of back-to-school night and the first parent-teacher conferences of the school year.
Homework can be a powerful tool to help parents become more involved in their child’s learning (Walker et al., 2004 ). It can provide insights into a child’s strengths and interests, and can also encourage conversations about a child’s life at school. If a parent has positive attitudes toward homework, their children are more likely to share those same values, promoting academic success.
But it’s also possible for parents to be overbearing, putting too much emphasis on test scores or grades, which can be disruptive for children (Madjar, Shklar, & Moshe, 2015 ). Parents should avoid being overly intrusive or controlling—students report feeling less motivated to learn when they don’t have enough space and autonomy to do their homework (Orkin, May, & Wolf, 2017 ; Patall, Cooper, & Robinson, 2008 ; Silinskas & Kikas, 2017 ). So while homework can encourage parents to be more involved with their kids, it’s important to not make it a source of conflict.
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By submitting my email address. i certify that i am 13 years of age or older, agree to recieve marketing email messages from the princeton review, and agree to terms of use., homework wars: high school workloads, student stress, and how parents can help.
Studies of typical homework loads vary : In one, a Stanford researcher found that more than two hours of homework a night may be counterproductive. The research , conducted among students from 10 high-performing high schools in upper-middle-class California communities, found that too much homework resulted in stress, physical health problems and a general lack of balance.
Additionally, the 2014 Brown Center Report on American Education , found that with the exception of nine-year-olds, the amount of homework schools assign has remained relatively unchanged since 1984, meaning even those in charge of the curricula don't see a need for adding more to that workload.
But student experiences don’t always match these results. On our own Student Life in America survey, over 50% of students reported feeling stressed, 25% reported that homework was their biggest source of stress, and on average teens are spending one-third of their study time feeling stressed, anxious, or stuck.
The disparity can be explained in one of the conclusions regarding the Brown Report:
Of the three age groups, 17-year-olds have the most bifurcated distribution of the homework burden. They have the largest percentage of kids with no homework (especially when the homework shirkers are added in) and the largest percentage with more than two hours.
So what does that mean for parents who still endure the homework wars at home?
Read More: Teaching Your Kids How To Deal with School Stress
It means that sometimes kids who are on a rigorous college-prep track, probably are receiving more homework, but the statistics are melding it with the kids who are receiving no homework. And on our survey, 64% of students reported that their parents couldn’t help them with their work. This is where the real homework wars lie—not just the amount, but the ability to successfully complete assignments and feel success.
Parents want to figure out how to help their children manage their homework stress and learn the material.
1. have a routine..
Every parenting advice article you will ever read emphasizes the importance of a routine. There’s a reason for that: it works. A routine helps put order into an often disorderly world. It removes the thinking and arguing and “when should I start?” because that decision has already been made. While routines must be flexible to accommodate soccer practice on Tuesday and volunteer work on Thursday, knowing in general when and where you, or your child, will do homework literally removes half the battle.
Overwhelmed students look at a mountain of homework and think “insurmountable.” But parents can look at it with an outsider’s perspective and help them plan. Put in an extra hour Monday when you don’t have soccer. Prepare for the AP Chem test on Friday a little at a time each evening so Thursday doesn’t loom as a scary study night (consistency and repetition will also help lock the information in your brain). Start reading the book for your English report so that it’s underway. Go ahead and write a few sentences, so you don’t have a blank page staring at you. Knowing what the week will look like helps you keep calm and carry on.
You can’t outsource the “battle” but you can outsource the help ! We find that kids just do better having someone other than their parents help them —and sometimes even parents with the best of intentions aren’t equipped to wrestle with complicated physics problem. At The Princeton Review, we specialize in making homework time less stressful. Our tutors are available 24/7 to work one-to-one in an online classroom with a chat feature, interactive whiteboard, and the file sharing tool, where students can share their most challenging assignments.
Students and parents can review completed assignments together at the end of the night -- acknowledging even small wins helps build a sense of accomplishment. If you’ve been through a particularly tough battle, you’ll also want to reach reach a cease-fire before hitting your bunk. A war ends when one person disengages. At some point, after parents have provided a listening ear, planning, and support, they have to let natural consequences take their course. And taking a step back--and removing any pressure a parent may be inadvertently creating--can be just what’s needed.
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Listen: we know homework isn’t fun, but it is a good way to reinforce the ideas and concepts you’ve learned in class. But what if you’re really struggling with your homework assignments?
If you’ve looked online for a little extra help with your take-home assignments, you’ve probably stumbled across websites claiming to provide the homework help and answers students need to succeed . But can homework help sites really make a difference? And if so, which are the best homework help websites you can use?
Below, we answer these questions and more about homework help websites–free and paid. We’ll go over:
So let’s get started!
Homework help websites are designed to help you complete your homework assignments, plain and simple.
Most of the best sites allow users to ask questions and then provide an answer (or multiple possible answers) and explanation in seconds. In some instances, you can even send a photo of a particular assignment or problem instead of typing the whole thing out!
Homework help sites also offer more than just help answering homework questions. Common services provided are Q&A with experts, educational videos, lectures, practice tests and quizzes, learning modules, math solving tools, and proofreading help. Homework help sites can also provide textbook solutions (i.e. answers to problems in tons of different textbooks your school might be using), one-on-one tutoring, and peer-to-peer platforms that allow you to discuss subjects you’re learning about with your fellow students.
And best of all, nearly all of them offer their services 24/7, including tutoring!
When it comes to homework help, there are lots–and we mean lots –of scam sites out there willing to prey on desperate students. Before you sign up for any service, make sure you read reviews to ensure you’re working with a legitimate company.
A word to the wise: the more a company advertises help that veers into the territory of cheating, the more likely it is to be a scam. The best homework help websites are going to help you learn the concepts you’ll need to successfully complete your homework on your own. (We’ll go over the difference between “homework help” and “cheating” a little later!)
You don't need a golden piggy bank to use homework help websites. Some provide low or no cost help for students like you!
First of all, just because a homework help site costs money doesn’t mean it’s a good service. Likewise, just because a homework help website is free doesn’t mean the help isn’t high quality. To find the best websites, you have to take a close look at the quality and types of information they provide!
When it comes to paid homework help services, the prices vary pretty widely depending on the amount of services you want to subscribe to. Subscriptions can cost anywhere from $2 to $150 dollars per month, with the most expensive services offering several hours of one-on-one tutoring with a subject expert per month.
So, what is the best homework help website you can use? The answer is that it depends on what you need help with.
The best homework help websites are the ones that are reliable and help you learn the material. They don’t just provide answers to homework questions–they actually help you learn the material.
That’s why we’ve broken down our favorite websites into categories based on who they’re best for . For instance, the best website for people struggling with math might not work for someone who needs a little extra help with science, and vice versa.
Keep reading to find the best homework help website for you!
Not only is Khan Academy free, but it’s full of information and can be personalized to suit your needs. When you set up your account , you choose which courses you need to study, and Khan Academy sets up a personal dashboard of instructional videos, practice exercises, and quizzes –with both correct and incorrect answer explanations–so you can learn at your own pace.
As an added bonus, it covers more course topics than many other homework help sites, including several AP classes.
Runner Up: Brainly.com offers a free service that allows you to type in questions and get answers and explanations from experts. The downside is that you’re limited to two answers per question and have to watch ads.
This service has three main parts . The first is Chegg Study, which includes textbook solutions, Q&A with subject experts, flashcards, video explanations, a math solver, and writing help. The resources are thorough, and reviewers state that Chegg answers homework questions quickly and accurately no matter when you submit them.
Chegg also offers textbook rentals for students who need access to textbooks outside of their classroom. Finally, Chegg offers Internship and Career Advice for students who are preparing to graduate and may need a little extra help with the transition out of high school.
Another great feature Chegg provides is a selection of free articles geared towards helping with general life skills, like coping with stress and saving money. Chegg’s learning modules are comprehensive, and they feature solutions to the problems in tons of different textbooks in a wide variety of subjects.
Runner Up: Bartleby offers basically the same services as Chegg for $14.99 per month. The reason it didn’t rank as the best is based on customer reviews that say user questions aren’t answered quite as quickly on this site as on Chegg. Otherwise, this is also a solid choice!
This site allows you to t ake a picture of a math problem, and instantly pulls up a step-by-step solution, as well as a detailed explanation of the concept. Photomath also includes animated videos that break down mathematical concepts to help you better understand and remember them.
The basic service is free, but for an additional fee you can get extra study tools and learn additional strategies for solving common math problems.
Runner Up: KhanAcademy offers in-depth tutorials that cover complex math topics for free, but you won’t get the same tailored help (and answers!) that Photomath offers.
While sites like Grammarly and Sparknotes help you by either proofreading what you write via an algorithm or providing book summaries, Princeton Review’s tutors provide in-depth help with vocabulary, literature, essay writing and development, proofreading, and reading comprehension. And unlike other services, you’ll have the chance to work with a real person to get help.
The best part is that you can get on-demand English (and ESL) tutoring from experts 24/7. That means you can get help whenever you need it, even if you’re pulling an all-nighter!
This is by far the most expensive homework site on this list, so you’ll need to really think about what you need out of a homework help website before you commit. One added benefit is that the subscription covers over 80 other subjects, including AP classes, which can make it a good value if you need lots of help!
When it comes to science homework help, there aren’t a ton of great resources out there. The best of the bunch is Studypool, and while it has great reviews, there are some downsides as well.
Let’s start with the good stuff. Studypool offers an interesting twist on the homework help formula. After you create a free account, you can submit your homework help questions, and tutors will submit bids to answer your questions. You’ll be able to select the tutor–and price point–that works for you, then you’ll pay to have your homework question answered. You can also pay a small fee to access notes, lectures, and other documents that top tutors have uploaded.
The downside to Studypool is that the pricing is not transparent . There’s no way to plan for how much your homework help will cost, especially if you have lots of questions! Additionally, it’s not clear how tutors are selected, so you’ll need to be cautious when you choose who you’d like to answer your homework questions.
Homework help websites can be a great resource if you’re struggling in a subject, or even if you just want to make sure that you’re really learning and understanding topics and ideas that you’re interested in. But, there are some possible drawbacks if you don’t use these sites responsibly.
We’ll go over the good–and the not-so-good–aspects of getting online homework help below.
First, let’s take a look at the benefits.
This is a big one! Getting outside help with your studies can improve your understanding of concepts that you’re learning, which translates into better grades when you take tests or write essays.
Remember: homework is designed to help reinforce the concepts you learned in class. If you just get easy answers without learning the material behind the problems, you may not have the tools you need to be successful on your class exams…or even standardized tests you’ll need to take for college.
One of the main reasons that online homework help is appealing is because it’s flexible and convenient. You don’t have to go to a specific tutoring center while they’re open or stay after school to speak with your teacher. Instead, you can access helpful resources wherever you can access the internet, whenever you need them.
This is especially true if you tend to study at off hours because of your extracurriculars, work schedule, or family obligations. Sites that offer 24/7 tutoring can give you the extra help you need if you can’t access the free resources that are available at your school.
Not everyone learns the same way. Maybe you’re more of a visual learner, but your teacher mostly does lectures. Or maybe you learn best by listening and taking notes, but you’re expected to learn something just from reading the textbook .
One of the best things about online homework help is that it comes in a variety of forms. The best homework help sites offer resources for all types of learners, including videos, practice activities, and even one-on-one discussions with real-life experts.
This variety can also be a good thing if you just don’t really resonate with the way a concept is being explained (looking at you, math textbooks!).
Not so fast. There are cons to homework help websites, too. Get to know them below!
Now, let’s take a look at the drawbacks of online homework help.
This can be a real problem. In addition to all the really good homework help sites, there are a whole lot of disreputable or unreliable sites out there. The fact of the matter is that some homework help sites don’t necessarily hire people who are experts in the subjects they’re talking about. In those cases, you may not be getting the accurate, up-to-date, and thorough information you need.
Additionally, even the great sites may not be able to answer all of your homework questions. This is especially true if the site uses an algorithm or chatbot to help students…or if you’re enrolled in an advanced or college-level course. In these cases, working with your teacher or school-provided tutors are probably your best option.
This depends on the service you use, of course. But the majority of them provide free or low-cost help through pre-recorded videos. Watching videos or reading info online can definitely help you with your homework… but you can’t ask questions or get immediate feedback if you need it .
Like we mentioned earlier, there are a lot of homework help websites out there, and lots of them are scams. The review comments we read covered everything from outdated or wrong information, to misleading claims about the help provided, to not allowing people to cancel their service after signing up.
No matter which site you choose to use, make sure you research and read reviews before you sign up–especially if it’s a paid service!
Admittedly, whether using homework help websites constitutes cheating is a bit of a grey area. For instance, is it “help” when a friend reads your essay for history class and corrects your grammar, or is it “cheating”? The truth is, not everyone agrees on when “help” crosses the line into “cheating .” When in doubt, it can be a good idea to check with your teacher to see what they think about a particular type of help you want to get.
That said, a general rule of thumb to keep in mind is to make sure that the assignment you turn in for credit is authentically yours . It needs to demonstrate your own thoughts and your own current abilities. Remember: the point of every homework assignment is to 1) help you learn something, and 2) show what you’ve learned.
So if a service answers questions or writes essays for you, there’s a good chance using it constitutes cheating.
Here’s an example that might help clarify the difference for you. Brainstorming essay ideas with others or looking online for inspiration is “help” as long as you write the essay yourself. Having someone read it and give you feedback about what you need to change is also help, provided you’re the one that makes the changes later.
But copying all or part of an essay you find online or having someone write (or rewrite) the whole thing for you would be “cheating.” The same is true for other subjects. Ultimately, if you’re not generating your own work or your own answers, it’s probably cheating.
Now that you know some of our favorite homework help websites, free and paid, you can start doing some additional research on your own to decide which services might work best for you! Here are some top tips for choosing a homework help website.
Before you decide which site or sites you’re going to use for homework help, y ou should figure out what kind of learning style works for you the most. Are you a visual learner? Then choose a site that uses lots of videos to help explain concepts. If you know you learn best by actually doing tasks, choose a site that provides lots of practice exercises.
Just because a homework help site is good overall doesn’t mean that it’s equally good for every subject. If you only need help in math, choose a site that specializes in that area. But if history is where you’re struggling, a site that specializes in math won’t be much help. So make sure to choose a site that you know provides high-quality help in the areas you need it most.
This is really about cost-effectiveness. If you learn well on your own by reading and watching videos, a free site like Khan Academy is a good choice. But if you need actual tutoring, or to be able to ask questions and get personalized answers from experts, a paid site that provides that kind of service may be a better option.
If you decide you want to go with a paid homework help website, set a budget first . The prices for sites vary wildly, and the cost to use them can add up quick.
Finally, it’s always a good idea to read actual reviews written by the people using these homework sites. You’ll learn the good, the bad, and the ugly of what the users’ experiences have been. This is especially true if you intend to subscribe to a paid service. You’ll want to make sure that users think it’s worth the price overall!
If you want to get good grades on your homework, it’s a good idea to learn how to tackle it strategically. Our expert tips will help you get the most out of each assignment…and boost your grades in the process.
Doing well on homework assignments is just one part of getting good grades. We’ll teach you everything you need to know about getting great grades in high school in this article.
Of course, test grades can make or break your GPA, too. Here are 17 expert tips that’ll help you get the most out of your study prep before you take an exam.
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Ashley Sufflé Robinson has a Ph.D. in 19th Century English Literature. As a content writer for PrepScholar, Ashley is passionate about giving college-bound students the in-depth information they need to get into the school of their dreams.
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As students prepare to go back to school , finding reliable online homework help services can be a challenge.
Websites touting "homework help," for example, are often obscuring dicey services that simply complete assignments for you (done both by human and robot hands), while self-proclaimed "tutors" peddle possible money-grabbing scams . Educators are becoming increasingly suspicious of any third-party help.
But learners of all ages are still seeking legitimate options — both free and at a cost — for when those lessons just aren't clicking, and online platforms are just a click away.
Known as the biggest name in standardized test prep, the Princeton Review offers 24/7 online tutoring provided by a network of 3,000 vetted tutors. Help can be found for more than 40 subjects , both K-12 and college level.
The service isn't cheap, however. Monthly subscriptions start at $39.99 for one hour per month. Sessions can be purchased in bulk, as well, starting at $349.99 for ten hours. Students can sign up for a free trial on the Princeton Review website to see if it's right for them.
MySuperGeek is a Europe-based homework help company that offers personal tutoring across subjects like math, economics, statistics, accounting, chemistry, and even law and society. Learners create an account, get matched with a live tutor, and then work through assignments in real time.
MySuperGeek is a paid service, but not subscription-based, with customers paying for homework help per tutor and per session. Rates start at around $10 per hour.
The highly popular nonprofit Khan Academy was established in 2006, based on an online educational video series that has since ballooned in scale. It now offers an expansive set of free practice exercises, hundreds of instructional videos, and a personalized learning dashboard for learners of all ages. Khan Academy launched its own AI learning assistant , powered by OpenAI's GPT-4, that's been recommended by the likes of Bill Gates and parent review organization Common Sense Media.
Like Khan Academy, other free online education hubs like YouTube phenomenon Crash Course can offer learning aids and subject-focused videos that can be helpful for general topics.
Chegg is an oft-talked about (and controversial) textbook and academic support service, which offers subscription-based tutoring across subjects. Chegg homework help doesn't connect users to live tutors, instead learners upload their homework questions and are then served with "expert-backed" explanations and textbook examples. Users can also access a library of similar questions and answers, as well as a recently added AI study helper, too.
But the multi-million dollar company has recently come under fire for enabling a widespread wave of cheating during a global shift to online learning during the pandemic lockdown. Many educators now consider Chegg assistance a case of academic dishonesty, so review your class's policies closely before using.
If Chegg is still calling your name (maybe for non-assignment help): The platform offers several mobile apps, like it's 24/7 homework help app, Chegg Study ; a math-focused assignment helper, Mathway ; and a language learning platform, Busuu . Subscription pricing is based on the number of questions a learner expects to submit each day. The basic Chegg Study plan starts at $14.95 for five questions.
Before subscribing to an online service at a cost, or wading into some academically murky waters, check out what your local library has to offer. Many library systems host in-person and virtual tutoring through online services like Brainfuse and national board-ran sites like Tutor.com (a Princeton Review service).
Some cities even offer educator-led assistance on demand, like New York's Dial-A-Teacher . And don't forget: Your teachers are there for you, too.
Tim Walz joining the Democratic Party’s presidential ticket has prompted renewed scrutiny of how the Minnesota governor handled the protests following George Floyd's death.
Opponents of the pick by Vice President Kamala Harris wasted no time bringing up the demonstrations that began in Walz’s state and grew increasingly violent during the week that followed Floyd’s killing at the hands of a Minneapolis police officer in 2020.
Four years later, the images of Minneapolis in May 2020 remain striking. Flames bursting from the city’s 3rd Precinct police headquarters and raging inside a looted AutoZone store. A protester illuminated by fire carrying an upside-down U.S. flag , a sign of distress, down a burning street.
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Those snapshots were referenced in a post on X, formerly Twitter, by Florida Gov. Ron DeSantis, who said Walz “ sat by and let Minneapolis burn .” Similarly, Ohio Rep. Jim Jordan posted that Walz “ let rioters and looters burn a police station to the ground in 20 20 ," and Minnesota Republican Party chair David Hann said Walz “did nothing ” to stop the riots.
Follow-up interviews with these critics showed a focus on how and when Walz activated the National Guard, an authority reserved for the governor of each state.
In an email to USA TODAY, Hann said Walz "waited three days before activating the National Guard" and claimed the governor was reluctant to oppose Democrats' characterization of the protests as peaceful. Jordan spokesperson Russell Dye referenced a New York Post article detailing an October 2020 report from a Republican-controlled Minnesota Senate committee that states Walz "failed to act" during the riots and specifically criticized the speed of the National Guard deployment. USA TODAY reached out to spokespeople for DeSantis and for Walz's gubernatorial office and the Harris-Walz campaign but did not immediately receive responses.
Let’s look back at the chain of events during that tumultuous week in May 2020.
Fact check : Gov. Walz does not need to resign after VP selection
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It started on May 25, 2020 – Memorial Day, a Monday – when the Minneapolis Police Department received a call that someone spent a possible counterfeit $20 bill on cigarettes at a convenience store.
Responding officers came across a 46-year-old Black man, later identified as Floyd, and handcuffed him. He was placed on the ground, and Officer Derek Chauvin proceeded to hold his knee on Floyd's neck for more than eight minutes while ignoring Floyd's protests that he couldn't breathe. Floyd was declared dead shortly thereafter.
A bystander shared a video of his killing on social media – sparking the first of the protests .
“By the time we get to Tuesday, we’re already seeing some emergent conflicts between protesters and the police, but they’re relatively small-scale,” said Michelle Phelps , a sociology professor at the University of Minnesota and the author of a book about policing in Minneapolis that examines the protests.
But by that Wednesday, things changed. The demonstrations became more violent, with officers firing noise devices and projectiles toward crowds of protesters and fires breaking out at the AutoZone and other locations.
“Wednesday is when things really started picking up,” said Rachel Moran , an associate professor of law at St. Thomas University and an expert on police accountability. “And then Thursday morning, he calls in the National Guard. … It actually happened relatively quickly. It was just, the protests were massive, and Wednesday … I think that’s when everyone in Minneapolis, they’re realizing, ‘OK, this is going to be bigger than what we’ve seen.’”
That prompted Jacob Frey, the Democratic mayor of Minneapolis, to call Walz on Wednesday and discuss activating National Guard troops. The governor – not then-President Donald Trump, as some have wrongly claimed – activated the Guard that Thursday.
But with only 90 troops on the ground in the Twin Cities later that night , The Star Tribune reported, protesters set fire to the 3rd Precinct station. That led Trump to call protesters “thugs” and vow that “ when the looting starts, the shooting starts " in an X post the following day. Walz mobilized the full Guard that Saturday – its first full mobilization since World War II – and conceded his administration underestimated the size of the crowds of protesters. By Sunday, even as protests spread across the U.S., the violence in Minneapolis had calmed.
One of the most powerful tools at a governor's disposal is the National Guard , and it's largely up to him to decide when and to what degree to use it . Experts say the rhetoric aimed at Walz's National Guard activation oversimplifies a chaotic and complicated moment.
“I don’t think city officials or the governor knew exactly what to do,” Moran said. “But that’s very different than saying he stood by and let it burn. I absolutely wouldn’t agree with that."
John Harrington , the state's public safety commissioner at the time, told MinnPost in 2023 that officials in Minneapolis typically do not request state assistance for protests "because most of the time, Minneapolis handles their own business." So when state help became necessary, the parties involved weren't well-versed in how to make that happen.
The question of who to blame for the speed of the National Guard response, then, hinges on a bit of bureaucracy: Walz couldn't activate the guard until Frey formally asked him to do so, an expert said, and the two leaders disagree on when that request was made.
"There's some back and forth between the mayor and the governor. So, the mayor had to formally request the National Guard activation, because until that point, it was the city that was responsible for managing the unrest," said Phelps, the sociology professor.
Frey said his call to the governor that Wednesday evening qualified as a formal request and claimed Walz was "hesitating." Minneapolis Police Chief Medaria Arradondo asked for Guard troops in an email sent that night to Harrington, the Star Tribune of Minneapolis reported.
But National Guard mobilization guidelines reference a request from a mayor, not a police chief. And Walz's office has countered that the mayor misunderstood the requirements of a formal request, saying Walz recognized the written letter he received a day later as that request. The Guard was activated that afternoon.
Harrington characterized Frey’s phone call as vague, and an outside firm that reviewed the response largely agreed . A request for Guard assistance must include specific details typically found in an operations plan or an incident action plan that the firm said in its 2022 report “we did not receive and that we determined through interviews did not exist.”
In its report released three weeks before Election Day in 2020 and criticized by Democrats as the product of " one-sided hearings ," the GOP-led state Senate Joint Transportation and Judiciary and Public Safety Committee blamed Walz for poor decision-making and said he wanted to "wait for assignments " from the city before mobilizing the Guard. The document paraphrases Harrington as saying during a hearing that officials should have been "quicker to bring people in " and that the state could have been more "successful " had it mobilized the right personnel and used the right tactics – without specifying what those should have been.
"There were a lot of imperfect attempts to figure out how to respond," Moran said. "Part of the city did burn, for sure. I don't disagree with the actual results. But it wasn't a matter of people standing by."
Additionally, increasing the police presence prematurely ran the risk of introducing a different set of problems. Moran noted, "These were protests about the police, and so the presence of law enforcement was, in a way, antagonizing."
Experts also said attacking Walz over the timing of the Guard's activation oversimplifies the logistical challenge of transporting them and providing them with a mission. Gen. Jon Jensen, the Guard’s former adjutant general, later testified that only 700 of the state’s 13,000 troops had riot training .
“It takes a while to get all of those troops on the ground,” Phelps said.
That delay was illustrated Thursday, when more than 500 soldiers were activated but reports indicated fewer than 100 troops were on the ground . That number on the ground grew to 700 on Friday and swelled to 4,500 by Saturday , as Walz activated the full Guard for the first time since WWII . More than 7,000 were on duty by Sunday as the violence eased.
“To say that he let Minnesota or Minneapolis burn is just a wild misconstruing of the facts," Phelps said. “It was a response to a really unusual set of circumstances, and I think they responded as fast as was reasonably possible, given the scale of the operation."
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Updated: Aug 1, 2024, 1:11pm
A debt consolidation loan can be a smart way to streamline your monthly debt obligations and get out of debt faster. However, if you have bad credit, qualifying for a debt consolidation loan with an attractive interest rate could be a challenge.
If you have bad credit and high-interest debts you want to pay off, it’s worth considering your options. Bad credit consolidation loans might work well for certain debts, especially those with sky high interest rates like payday loans or title loans. Find our list of the best options below.
Why you can trust Forbes Advisor
Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the loans methodology for the ratings below.
Universal credit, lendingclub, summary: best debt consolidation loans for bad credit of august 2024, tips for comparing bad credit debt consolidation loans, the complete guide to bad credit debt consolidation loans, what is a debt consolidation loan, how does debt consolidation work, pros and cons of debt consolidation, where to get a debt consolidation loan with bad credit, how to qualify for a debt consolidation loan with bad credit, how to get a debt consolidation loan with bad credit, 3 alternatives to debt consolidation loans for bad credit, methodology, frequently asked questions (faqs), compare personal loan rates.
Minimum Credit Score
8.49% to 35.99%
Loan amounts
$1,000 to $50,000
Upgrade was launched in 2017 and provides accessible online and mobile credit and banking services. Since that time, the platform has made more than $3 billion in credit available to over 10 million applicants and continues to expand its online and mobile services. Although maximum APRs are on the high end compared to other online lenders, Upgrade makes loans available to those with poor credit history.
Loans amounts, which range from $1,000 to $50,000. Upgrade has two- to seven-year terms available. Upgrade charges an origination fee between 1.85% and 9.99% of the loan, and borrowers will encounter a $10 fee if their payment is more than 15 days late or if the payment does not go through; there are no discounts for autopay. That said, Upgrade borrowers are not subject to a prepayment penalty, so you can reduce the overall cost of the loan if you’re able to pay it off early.
Beyond offering accessible personal loans, Upgrade streamlines the lending process with a mobile app that lets borrowers view their balance, make payments and update personal information. Upgrade’s Credit Heath tool also makes it easy to track your credit score over the life of your loan.
Overview: Upgrade was launched in 2017 and provides accessible online and mobile credit and banking services. Since that time, the platform has made more than $3 billion in credit available to over 10 million applicants and continues to expand its online and mobile services.
Upgrade charges an origination fee between 1.85% and 9.99% of the loan, and borrowers will encounter a $10 fee if their payment is more than 15 days late or if the payment does not go through; there are no discounts for autopay. That said, Upgrade borrowers are not subject to a prepayment penalty, so you can reduce the overall cost of the loan if you’re able to pay it off early.
Eligibility:
11.69% to 35.99%
Universal Credit is an online lending platform that offers personal loans between $1,000 to $50,000 through its partners. Repayment terms range from three to seven years.
While Universal Credit makes finding a personal loan accessible even to those with damaged credit, it comes with a few tradeoffs. First, it charges high APRs, well above the most competitive rates seen on our list. Second, Universal Credit charges a 5.25% to 9.99% origination fee on all personal loans. Because this is deducted from your loan proceeds, you’ll need to factor this in when determining your loan amount to ensure you receive the necessary amount after the fact.
Overview: Universal Credit is an online lender powered by Upgrade with loans originated by partners Cross River Bank and Blue Ridge Bank. The lender offers its loans in every state except Iowa, West Virginia and Washington, D.C.
Eligibility:
Minimum credit score
8.99% to 35.99%
$7,500 to $40,000
Achieve is an indirect lending platform that offers personal loans underwritten by Cross River Bank or MetaBank. Founded in 2014, the lender is one of our top picks for debt consolidation loans because of the flexible loan terms (two to five years) and loan amounts ($7,500 to $40,000). These characteristics make it easier to consolidate a large amount of debt while spreading payments out over a lengthy period of time and reducing monthly payments.
Like some of our other top picks, Achieve also offers direct payment to creditors. In fact, borrowers who put 85% of the total loan amount toward debt consolidation via direct payment are more likely to qualify for a loan.
That said, depending on the interest rates on your current debts, the potentially high APR Achieve charges may make it more difficult to save money by consolidating. Likewise, the origination fee from 1.99% to 6.99% of the loan amount can make the loan more expensive. If you’re considering Achieve for debt consolidation, it’s important to do the math before you sign on the dotted line.
Overview: Achieve is an indirect lending platform that offers personal loans underwritten by Cross River Bank or MetaBank. Like some of our other top picks, Achieve also offers direct payment to creditors. In fact, borrowers who put 85% of the total loan amount toward debt consolidation via direct payment are more likely to qualify for a loan.
Loan uses:
9.57% to 35.99%
$1,000 to $40,000
LendingClub is a peer-to-peer—or marketplace—lender founded in 2007. As the largest online lending platform for personal loans, LendingClub has worked with over 3 million customers and funded more than $55 billion in loans. It’s also one of the most geographically widespread options, with lending capabilities in every state except Iowa and the U.S. territories.
While LendingClub imposes high APRs and no autopay discount, applicants can choose to borrow between $1,000 to $40,000. This is a higher maximum loan cap than some other lenders. That said, LendingClub’s loan terms are limited to two to five years, which is less flexible than other lenders on our list. Borrowers also are charged an origination fee between 2% and 6% of the total loan amount, which is taken from the loan proceeds at funding.
LendingClub also makes debt consolidation easier by offering a balance transfer loan. With this type of loan, LendingClub offers direct payment to third-party lenders, including over 1,700 creditors. Not only does the platform take care of payments for you, you can choose exactly how much of your new loan amount you want LendingClub to pay toward each creditor.
Overview: LendingClub is a peer-to-peer—or marketplace—lender founded in 2007. As the largest online lending platform for personal loans, LendingClub has worked with over 3 million customers and funded more than $55 billion in loans. It’s also one of the most geographically widespread options, with lending capabilities in every state except Iowa and the U.S. territories.
Via Credible.com’s Website
Via Fiona.com’s Website
FORBES ADVISOR RATING | MINIMUM CREDIT SCORE | APR RANGE | LOAN AMOUNTS | LEARN MORE | |
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Below are three tips that can help you compare bad credit debt consolidation loans and find an offer that may work well for your situation.
A debt consolidation loan is a type of personal loan that can combine several existing debts in a single account. Once consolidated, you’ll have a single monthly payment to a new lender rather than multiple loan and credit card payments as before.
Debt consolidation might also save you money and could be good for your credit score in some situations. With credit card debt, in particular, using an installment loan to pay off revolving balances could lower your credit utilization rate and might improve your credit score as a bonus.
When you take out a debt consolidation loan, you use the new loan to pay off one or more of your existing loans or credit cards. You then only have one payment to manage.
If you can’t make all of your debt payments, a debt consolidation loan can help you get a lower interest rate, making it easier to repay your balance. Along with a potentially lower interest rate, you can also choose a shorter term length, which will help you pay off your debt sooner. Alternatively, you may choose to take out a longer term loan. This makes each monthly payment smaller, but it can increase the total interest you pay over the life of the loan.
When choosing which route to go, it’s always recommended to select terms that you can afford monthly.
Debt consolidation loans aren’t for everyone. Before accepting this financing, consider the pros and cons of debt consolidation :
Lenders use credit scores to predict risk. Unfortunately, traditional lenders like banks may not be comfortable issuing you a loan to consolidate your debt when you have bad credit. There are, however, some lenders that might work with you even if you have damaged credit.
Related: Debt Consolidation Loan vs. Balance Transfer Credit Card
Online lenders may offer debt consolidation loans with more lenient credit score requirements. However, debt consolidation loans for bad credit tend to feature higher interest rates and sometimes fees to offset the added risk. If the interest rate you qualify for isn’t low enough, debt consolidation might not save you money.
Credit unions are another resource to consider if you want to consolidate debt with a bad credit score. Compared with traditional banks, credit unions are often more willing to approve borrowers with less-than-perfect credit; however, they require membership. Nonetheless, you may have to shop around to find a local credit union or an online credit union that is willing to work with your situation.
Consolidating higher-interest debt at a lower rate can be an effective way to pay off your debt faster and save money on interest. However, finding a personal loan with a lower rate than your current loan can be difficult.
If you’re looking to consolidate credit card debt, you may be able to find a lower APR than what you’re currently paying on your credit card. As of February 2024, the average credit card interest rate was 21.59% APR, according to the Federal Reserve. This rate is similar to what lenders offer personal loan applicants with bad credit.
As you prepare your application, there are ways to improve your chances of qualifying for an affordable debt consolidation loan:
Whether you have bad credit or good credit, the basic loan shopping process is similar to get a consolidation loan .
A debt consolidation loan for bad credit may not be the best choice for everyone. If your credit prevents you from qualifying for a lower interest rate than you’re paying now, you may want to consider the following alternatives to debt consolidation.
Good credit comes with many perks, including the ability to qualify for better financing. If you’re not in a position to lock in an attractive interest rate on a debt consolidation loan right now, working to improve your credit might give you more options in the future.
When creating your credit improvement plan, remember: You may want to adjust your approach depending on whether you’re building credit from scratch or working to rebuild damaged credit. Either process can take time, but the payoff from earning better credit can make your hard work worthwhile in the long run.
If you have some wiggle room in your monthly budget, a debt payoff strategy might work well for you. Do-it-yourself strategies like the debt snowball or debt avalanche method cause you to restructure the way you pay down your debt each month. In the end, each approach has the potential to save you time and money in the debt elimination process.
Credit card debt and other high-interest debt can sometimes get out of hand. If you’re struggling to keep up with even the minimum payments on your monthly credit obligations, it might be time to talk to a financial professional about your situation.
A nonprofit credit counseling company may have solutions that could help you, including a debt management plan. In extreme cases, you may even want to seek advice from a bankruptcy attorney regarding plans that can provide you with protection from your creditors.
We reviewed 15 popular lenders based on 11 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. We chose the best lenders based on the weighting assigned to each category:
Within each category, we also considered several characteristics, including available loan amounts, repayment terms, APR ranges and applicable fees. We also looked at minimum credit score requirements, whether each lender accepts co-signers or joint applications and the geographic availability of the lender. Finally, we evaluated the availability of each provider’s customer support team.
Where appropriate, we awarded partial points depending on how well a lender met each criterion.
To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Loans Rating & Review Methodology .
Personal Finance Writer Lindsay VanSomeren contributed to this article.
Every lender sets its own guidelines when it comes to minimum credit score requirements for debt consolidation loans. However, it’s likely lenders will require a minimum score between 580 and 680.
Credit score requirements can vary widely from one lender to the next. Therefore, it’s wise to find out each lender’s criteria before you apply for financing.
Consolidating your debt has the potential to impact your credit score in positive and negative ways. Applying for a loan and adding a new tradeline to your credit report are both actions with the potential to damage your credit score.
On the other hand, debt consolidation should help you pay down your debt faster, reducing the number of accounts with balances on your credit report. This could give your credit score a boost.
Getting out of debt when you have limited resources and bad credit can be difficult. If you want to manage the process on your own, your best bet is to try to find ways to cut your expenses, increase your income or both.
However, if you’re in a financial position that feels hopeless or overwhelming, it might be time to consider more extreme measures. Credit counseling or even bankruptcy can provide alternative debt solutions that could deal with an unmanageable financial situation.
If you find the right loan with favorable terms, debt consolidation can improve your finances. For example, if your new loan has a lower interest rate than your current loans and/or credit cards, you can reduce the overall cost of your debt. However, if your new loan has terms you can’t afford, such as larger monthly payments, it may not be the best choice for you.
Approval for a debt consolidation loan is similar in duration to any other personal loan. Some lenders—especially online lenders—offer same-day funding, but it can still take a couple of days for your bank to process the deposit. However, most lenders take a few days to a week to make a loan decision, plus a few extra days to disburse your funds if you’re approved.
Michelle Lambright Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert and personal finance writer with nearly two decades of experience in the credit industry. She’s an expert on credit reporting, credit scoring, identity theft, and the intersection of credit and financing. You can connect with Michelle on Twitter (@MichelleLBlack) and Instagram (@CreditWriter).
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The Effect of Parent Participation in Strategies to Improve the Homework Performance of Students Who Are At Risk. Homework and Students with Learning Disabilities and Behavior Disorders. Homework: a survey of teacher beliefs and practices. Teacher Education and Special Education: The Journal of the Teacher Education Division of the Council for ...
Yes, and the stories we hear of kids being stressed out from too much homework—four or five hours of homework a night—are real. That's problematic for physical and mental health and overall well-being. But the research shows that higher-income students get a lot more homework than lower-income kids.
Homework has long been a topic of social research, but rela-tively few studies have focused on the teacher's role in the homework process. Most research examines what students do, and whether and ...
In a review of studies published from 1987 to 2003, Cooper and his colleagues found that homework was linked to better test scores in high school and, to a lesser degree, in middle school. Yet they found only faint evidence that homework provided academic benefit in elementary school (Review of Educational Research, 2006).
school age students. RESEARCH SAYS:Homework serves the distinct purpose to "provide students with an opportunity to practice," according to a 25 year quantitat. ve metaanalysis (Cooper, et al 2006). Homework has the highest impact on achievement in high school and the lowest in e.
Does homework help? A review of research. Elementary School Journal 1960;60:212-224. Web of Science. ... Odum ME. A tough assignment for teachers: Getting students to do homework is getting harder. Washington Post 1994 May 2 A1 A10. Google Scholar *Olson M. Homework variables and academic achievement: An integrated study.
Does Homework Help? A Review of Research. This examination of the controversial subject of homework was stimulated by the author's interest as a parent of three children in public school, by his experience as a teacher, and by his concern as a scientist with the valid interpretation of experimental research findings.
Too much homework may diminish its effectiveness. While research on the optimum amount of time students should spend on homework is limited, there are indications that for high school students, 1½ to 2½ hours per night is optimum. Middle school students appear to benefit from smaller amounts (less than 1 hour per night).
Review of Educational Research Spring 2006, Vol. 76, No. 1, pp. 1-62 Does Homework Improve Academic Achievement? A Synthesis of Research, 1987-2003 Harris Cooper, Jorgianne Civey Robinson, and Erika A. Patall Duke University In this article, research conducted in the United States since 1987 on the effects of homework is summarized.
Does Homework Help? A Review of Research This examination of the controver-sial subject of homework was stimu-lated by the author's interest as a par-ent of three children in public school, by his experience as a teacher, and by his concern as a scientist with the valid interpretation of experimen-tal research findings. Two very different ...
It turns out that parents are right to nag: To succeed in school, kids should do their homework. Duke University researchers have reviewed more than 60 research studies on homework between 1987 and 2003 and concluded that homework does have a positive effect on student achievement. Harris Cooper, a professor of psychology, said the research ...
This systematic review aims to help practitioners, researchers, and educational systems developers consolidate knowledge in the literature and also the research and design gaps that could be addressed in future developments. ... Regardless the benefits of online homework, it is important to note that when students do homework using the computer ...
For high schoolers, Cooper's research suggests that two hours per night is optimal. If teens have more than two hours of homework a night, their academic success flatlines. But less is not better. The average high school student doing homework outperformed 69 percent of the students in a class with no homework.
Grade and evaluate carefully so that the homework assignments will be taken more seriously. 9. Teach study skills earlier in the elementary grades, so that students will be better equipped to handle the independent homework assignments they will receive in middle school. Research Views 703. Reviews of the literature on effectiveness of homework.
In this article, research conducted in the United States since 1987 on the effects of homework is summarized. Studies are grouped into four research designs. The authors found that all studies, regardless of type, had design flaws. However, both within and across design types, there was generally consistent evidence for a positive influence of homework on achievement. Studies that reported ...
The Homework Literature Review stated that "excessive homework may impact negatively on student achievement" (2004, p.3). Apparently, if teachers give too much homework, students may be overwhelmed, not complete the homework and ... Homework can help students develop
Both reviews conclude that homework does help to improve academic achievement, primarily in the middle and high school. For children in elementary school, the review concludes that while homework can help children develop good study habits, it does not help to improve students' grades or standardized test scores.
Practice assignments do improve scores on class tests at all grade levels. A little amount of homework may help elementary school students build study habits. Homework for junior high students appears to reach the point of diminishing returns after about 90 minutes a night. For high school students, the positive line continues to climb until ...
Introduction. Homework is an important part of the learning and instruction process. Each week, students around the world spend 3-14 hours on homework, with an average of 5 hours a week (Dettmers et al., 2009; OECD, 2014).The results of the previous studies and meta-analysis showed that the homework time is correlated significantly with students' gains on the academic tests (Cooper et al ...
The National PTA and the National Education Association support the " 10-minute homework guideline "—a nightly 10 minutes of homework per grade level. But many teachers and parents are quick to point out that what matters is the quality of the homework assigned and how well it meets students' needs, not the amount of time spent on it.
Here's how it works: first, set a timer for 25 minutes. This is going to be your work time. During this 25 minutes, all you can do is work on whatever homework assignment you have in front of you. No email, no text messaging, no phone calls—just homework. When that timer goes off, you get to take a 5 minute break.
Studies of typical homework loads vary: In one, a Stanford researcher found that more than two hours of homework a night may be counterproductive.The research, conducted among students from 10 high-performing high schools in upper-middle-class California communities, found that too much homework resulted in stress, physical health problems and a general lack of balance.
Best Site for Math Homework Help: Photomath. Price: Free (or $59.99 per year for premium services) Best for: Explaining solutions to math problems. This site allows you to take a picture of a math problem, and instantly pulls up a step-by-step solution, as well as a detailed explanation of the concept.
If Chegg is still calling your name (maybe for non-assignment help): The platform offers several mobile apps, like it's 24/7 homework help app, Chegg Study; a math-focused assignment helper ...
RACINE, WI - With Racine students heading back to school in the coming weeks, now is a great time to get prepped for the upcoming school year — and that includes setting a homework routine. A ...
The Princeton Review. Known as the biggest name in standardized test prep, the Princeton Review offers 24/7 online tutoring provided by a network of 3,000 vetted tutors. Help can be found for more than 40 subjects, both K-12 and college level. The service isn't cheap, however. Monthly subscriptions start at $39.99 for one hour per month.
Tim Walz joining the Democratic Party's presidential ticket has prompted renewed scrutiny of how the Minnesota governor handled the protests following George Floyd's death. Opponents of the pick ...
Essential Tools For Digital Homework. Several digital tools can help you manage your homework better. Note-taking apps let you organize your study notes, making it easier to review them later. For further support, you can get help with homework with study notes from Studocu. Collaborative platforms enable you to work on group projects with ...
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Question: #I work at a energy company, and i am on a project do to a literature review and simulation analysis on a cooling technology which is called as Radiative cooling. My question is what do I even simulate? For this review? I am tasked to use energy plus software for this simulation Q.