Graduates Facing Recession, But Graduate Recruitment Still Strong

Today’s students have grown up in an era of economic prosperity, but how are they going to deal with an economic recession? With many losing their jobs, and firms cutting back on training and recruitment, it could be the worst time to graduate.

The once buoyant graduate job market is starting to look a little bleaker, with the collapse and nationalisation of several banks this year. The graduate job market relies on jobs in the financial services sector.

At the start of this year’s recruitment cycle, of the top 100 graduate recruiters, 46 were in jobs related to finance. This has been true for years. Between 2003 and 2008 graduate vacancies in accountancy grew by 80%. Jobs in City investment banks grew by 100%.

For the first time since 2003, the total number of vacancies advertised by the top hundred recruiters has fallen this year. This is largely due to the impact of financial services sector being in turmoil.

But not all employers in the financial services sector seem to be having such a hard time, some haven’t been too badly effected. PricewaterhouseCoopers, the UK’s largest graduate recruiter still plans to recruit 1, 200 graduates this year, KPMG 1, 000, Deloitte 1, 000 and Ernst & Young 750.

High street banks are also still recruiting graduates, possibly because they fear that missing out on one year’s graduates can have long term implications when the economy picks up. Maybe they are being optimistic about the length of the recession we are entering.

Graduate recruitment is time-consuming and expensive, but managers believe that cutting back will cause problems with their talent strategy further down the line.

So how are students reacting to the recession? Whilst many live in their student loan and parental hand-out bubble, at least students of economics will understand the implications of the recession.

In research conducted by student representative officers at the University of Liverpool, a quarter of those interviewed were concerned that the global economic downturn would have a negative impact on the value of their qualifications, and 16% said it would make them more likely to consider a postgraduate course. This is a small portion, leading to the conclusion that a large amount of students don’t see the recession as having any impact upon the value of their degree.

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Student Finance: Removes All Financial Barriers

Student finance is gaining popularity because of rising cost of education. The increased cost has made it difficult for most of student to get education that they desire. Student finance has now made it possible for students to pursue the education that they desire. Student finance is a funding source that enables you to meet your total educational expenditures.

Student finances are made available to both part time and full time student or those pursuing graduate and post graduate courses. The student finance can be taken to meet up other related expenses such as tuition fee, college fee, books, library fee, food expense, bills, conveyance, computer and accommodation etc.

A student can opt for secured and unsecured student finance. Secured student finance can be easily taken against collateral. These loans generally offer a substantial loan amount. One can borrow anything from 5000 to 75000 suiting his needs and depending on repayment ability. These loans have longer repayment duration of 5- 30 years that can be easily met.

Whereas, unsecured loans do not require any collateral. They offer comparatively smaller loan amount ranging from 5000 to 25000. The repayment term of unsecured loans has to be met within 5-15 years.

Student finance can be taken by all types of borrowers. Borrowers with bas credit scores like CCJs, IVA, arrears, defaults, late payments and bankruptcy can also apply and pursue their dreams of higher education.

Student finance generally carries affordable and lower interest rates in order to motivate students to pursue education. Also a student can start repaying loan as soon as he completes the course or after six months until he gets employed. This repayment break allows you to search and apply for a suitable job without burdening you.

One can easily apply for student finance online. You can shop for lucrative deals in hassle free manner. The online medium is much faster as the processing of loan also takes place online.

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Student Loan Consolidate – Students Loans – Graduate Student Loan 271

If you have fallen into the bad credit gap, there are possibilities that personal loans lender will understand your situation. A pay day loan is designed to fulfill your short-term financial needs and should not be used as a regular lending source. The site has informative articles and the latest finance news.

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Pay day loan companies do not check your credit report or contact your employer, except as necessary to verify employment. Credit grade C+ to C- credit score of 580 with late payments, any late payment within 30-90 day range. However, that does not mean bad credit signature loans are not possible.

Signature loans are remote from traditional forms of loans borrowing which requires collateral to be placed as the guarantee of the loan borrowed. Approval is fast and you may have the option of extending your loan as many as 30 days if need be. Often the money you need can be in your checking account as fast as the same day you apply for your loan.

They assist you with sound solutions and with favourable loan terms. When you pay your debt on time, it will show in your credit report. All you need is a checking account, and a steady source of income and you can get up to 1000 dollars or more deposited directly into your checking account.

Often the money you need can be in your checking account as fast as the same day you apply for your loan. These companies usually charge you a fee and then help negotiate lower interest rates with your creditors and manage your monthly payments. So, even if you have bad credit, you can still get approved. Therefore, the lender, while agreeing to finance a high risk personal loan for them, may offer the loan rates and terms at higher interest rates and with stricter terms than they would offer a loan to someone with better credit.

If you are apprehensive that bad credit personal loans wont be possibly. Personal Loans: Many people with poor credit tend to many times go for personal loans. In fact bad credit personal loans that are likely to have lower interest rates, even lower than some unsecured debts.

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