AUGUST, 1978
THE VOICE
PAGE 3
This spacc contributed bv ihe publisher as a public service.
What are
lettin!
This cheek list
is a first step in the
process that could
save your life.
LUNGCANCER
□ Smoke a pack ot cigarettes or
more a day.
□ Smoked for 20 years or more.
□ Have a persistent cough.
BREAST CANCER
□ Over 40 and have close relatives
who had breast cancer.
□ Had a breast operation.
□ Have a lump or nipple discharge.
CERVICAL CANCER
□ Began having sex at an early age
and with many partners.
□ Have unusual bleeding
or discharge betw-een periods.
CANCER OE
THE COLON &. RECTUM
□ Have a history of polyps.
□ Have blood in your stool.
□ Have ulcerative colitis.
ENDOMETRIAL CANCER
□ Have a history of abnormal bleeding.
□ Have diabetes and high blood pressure and are overweight.
□ Began menopause late (after 55).
Absolutely nothing is more important to surviving
cancer than early detection is.
So if you checked any boxes, you should discuss
them with your doctor soon.
We want to cure cancer in your lifetime. But we 11
never do it without your help.
American
Cancer
Society i
College Loans
If You Can’t Pay,
Is RanknMptcy Justified?
(Continued from Page 2)
forever.
From 1974 to 1976, 12,300
former students filed simlar
bankruptcy claims totaling
$15 million borrowed through
various government-funded
loan programs. Is bankruptcy
a sensible step if you are
confronted with heavy college
debts that your budget can’t
accommodate?
If you go through
bankruptcy, you should
remember that a report of
your bankruptcy remains in
your credit bureau file for
fourteen years. This means
that every time you apply for
a charge account, bank loan
or mortgage, the pospective
lender will read about your
bankruptcy. Some creditors
may take into consideration
the" special circumstances
surrounding your action (and
by law you can write your own
explanatory statement and
have it placed in your credit
report), but nevertheless, you
may have trouble getting
credit for a long time to come.
Bankruptcy is a last
resort for those clearly in a
position in which they will
never be able to repay their
debts and carry on with their
life; it is not meant for young
men and women who find it
temporarily inexpedient to
meet debt repayments.
All government loan
programs encourage former
students who are having
trouble repaying educational
loans to apply to their bank or
college lenders for “for
bearance” - the term which is
used when you ask an in
stitution to change the terms
of your loan to make it easier
for you to repay. For example,
if you are scheduled to repay
your loan in ten years with
minimum payments of $30 a
month, you can ask the bank
to reduce your monthly
payments to a more
manageable level by
spreading out payments over
a longer period of time. Also
note that new 1976 laws
specifically provide for
deferment of repayments for
up to twelve months during
any one period when you are
SAJVDttA WALDEN
ATTEIVDS COIVFERENCE
m
Miss Sandra Walden, a
member of the Phi Beta
Lambda chapter at Fayet
teville State University at
tended the 27th annual Phi
Beta Lambda National
Leadership Conference which
was held in San Francisco,
California during the week of
July 5 through 9.
Phi Beta Lambda is the
national organization for post
secondary and college
students interested in and
preparing for careers in
business and business
education.
Almost 1,000 students
and advisors attended tte
conference which was held in
San Francisco, California.
Miss Walden is a rising
senior and is majoring in
business education. She is
presently serving as the North
Carolina State Secretary of
The Voice Salutes
Sharion Evans
who helped to make this
edition a success.
Sharion Evans who helped to
make this edition a success.
Phi Beta Lambda and as
President of the local chapter.
She served as Vice-President
of PBL at FSU during the
academic year of 1977-78. She
was active in various com
mittees of PBL during her
sophomore year. She has
served as a member of the
Student Senate, co-chairman
of College Day, a Dean’s list
student and as Secretary of
the Freshman class in 1975-76.
A North Carolinian,
James Ratchford, a rising
senior from Appalachian
State University was elwted
to the office of National
Treasurer of PBL.
CABEER
DAY
PLAIVIVED
FayettevUle State
University’s Office of Career
Planning and Student
Government Association will
sponsor Alumni Career Day
on Thursday and Friday,
September 28 and 29,1978. One
of the highlights of this
program will be the return to
our campus graduates who
are successfully employed in
career fields many of which
were previously closed to our
graduates.
These returnees will serve
as models to our students as to
what can be accomplished by
FSU graduates.
There will be a General
Assembly on Thursday
morning at 11:00 a.m. in the
J.W. Seabrook Auditorium.
The Alumni returnees will be
introduced and Dr. Algeania
Freeman, a 1970 FSU
graduate who is employed at
Norfolk State Colllge, will give
the principle address.
These graduates will talk
to various classes on Thur
sday and Friday. Students,
faculty and administration,
your support is needed. In
stead of suspending classes,
instructors have been given
permission to meet their
cllsses in'the J.W. Seabrook
Auditorium on Thursday,
September 28 at 11:00 a.m.
Let’s fill the auditorium.
unemployed and looking for
full-time work.
Student Loans and
Bankruptcy; A Fact Sheet
There are two very
popular loan programs for
higher education. One, the
Guaranteed Student Loan
Program (GSLP), lends up to
$2,500 a year, with a
maximum loan of $7,500 for
undergraduates (including
those taking vocational
training) and $15,00 for un
dergraduates who then go on
to do graduate work. Most of
the lenders are banks, credit
unions, savings and loan
associations and state
agencies; in a few cases, the
college or university makes
the loan directly . The Federal
government reimburses the
lender 100 percent if the
student defaults. Repayment
is required in ten years or
less, with minimum payments
of $30 a month, and usually
begins within nine months
after leaving the college
program. A new law, which
was enacted last year and
which went into effect October
FOOTBALL SCHEDULE
1978-1979
DATE .
September 2
September 9
-t-September
-|-September
-l-October 7
-l-October 14
-l-October 21
-l-October 28
November 4
-|-November
TIME
Kentucky State University 7:30 P
Albany State University 2:00 P
16 Norfolk State University 1:30 P
23 Shaw University 7:30 P
St. Paul’s College 1:30 P.
Winston-Salem State Universityi:30 P,
Livingstone College 7:30 P,
Elizabeth City State University 2:00 P
(Homecoming)
Bowie State College 7:30 P
11 Johnson C. Smith University 1:30 P
SITE
M.Home
•M.Away
M.Away
.M.Home
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.M.Away
.M.Home
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M.Away
-t-Denotes Conference Games
1, 1977, prohibits any student
with a GSLP loan from having
it discharged through
bankruptcy until at least five
years after the required
repayment period begins.
There is talk in Congress,
though, about repealing this.
The other, the National
Direct Student Loan Program
(NDSLP), lends up to $5,000
for undergraduate education,
$2,500 for certain vocational
programs, and up to $10,000
for undergraduate and
graduate education. Under
the NDSLP, the school itself
makes the loan with some 90
percent of the money coming
from the Federal government
and 10 percent from the
school. If the student defaults,
the school is out its 10 percent.
Repayment is required in ten
years or less, usually
beginning within nine months
after education is completed.
Minimum payments are $30 a
month.
Filing for bankruptcy at
any time is still a legal
alternative for NDSLP loans.
However, a New York State
Appeals Court ruled recently
that even though a young man
had declared bankruptcy, his
NDSLP loan was exempt ~
that is, it was not canceled.
The ruling so far is applicable
only in New York State, but it
could have far-reaching ef
fects on potential bankruptcy
cases in other states where
NDSLP loans are involved. -
Courtesy of Glamour
Magazine