Childhood imagination is a precious quality that has to be encouraged, developed and stimulated. According to developmental psychologists, imaginative play helps children to develop emotions, understand the emotions of others, learn to cooperate and compromise, explore the world and their own creativity, solve problems, learn to overcome fear and understand social relationships.

Toddlers are children aged between 12 and 36 months of age. In terms of development, this is one of the richest and most intense learning periods. Social, emotional, cognitive and physical development happens in leaps and bounds. There’s something new that she/he learns every day! Keeping pace with your toddler is no easy task.

The cost of education seems to be only rising with the times and as a result, it gets quite tough for students from unprivileged economic backgrounds to receive a graduate degree. However, there exist ways to get around the money problem. While loans are the most common way to pay college fees, if you are looking to avoid huge interest rates, here’s how to pay for college without loans.

With the huge amounts that colleges nowadays charge as their tuition fee, it is quite common for a student to not be able to make it even with scholarships. One can choose to opt for student loans, but they usually come with a high rate of interest and can take up to 10 years to repay.

Education does come with a hefty price at times. And although quite a bit of it can be paid off through student grants and scholarships, many times the necessity for a student loan is apparent. There are two types of loans a student can avail to pay for their tuition – federal student loans and private student loans.

If you’re a student looking to get back into education, then you might have to consider student loans. 70% of all students that enroll in college today, have to rely on a loan – private or federal – to pay off part of, or most of their tuition costs. Education costs only keep increasing.