Issuu

NCAE North Carolina Association of Educators

News Bulletin Dec.

2018

Vol. 49, No. 5

www.ncae.org

Public Education Celebrates Mid-Term Election Success!

The sweet smell of victory! Because of the hard work of NCAE members – whether canvassing, distributing apple cards at the polls, or phone banking – the supermajorities in both the House and Senate were broken, judicial candidates endorsed by the Association were elected, and two of the constitutional amendments that appeared on the ballot were defeated! The voices of educators were elevated as they fought to ensure our students have the resources needed to be successful. May 16 was the beginning of an accountability campaign and members laid the groundwork and informed the public about what was occurring in our public schools. This Mid-Term Election netted 10 more pro-public education candidates in the House and six in the Senate. The end of the supermajorities in both chambers means the General Assembly cannot override a veto from Governor Cooper without some support from Democrats. “Public schools made significant strides by electing more pro-public education candidates,” said NCAE President Mark Jewell “We encourage them to work with Governor Cooper to restore North Carolina back to public education prominence. NCAE will work proactively with these new lawmakers to ensure students and public schools have the resources they need to be successful and that public school educators are respected with professional compensation and benefits.” NCAE’s four endorsed statewide judicial candidates were also victorious. The election of Anita Earls to the NC Supreme Court means a 5-2 advantage for Democrats. And, because of educators’ votes, two of the most egregious constitutional amendments were defeated related to judicial appointments and the Elections and Ethics Board. This was nothing more than a power grab by the Legislature. “With pro-public education elected officials in the governor’s office and in the highest level of our state courts, breaking the supermajorities in the General Assembly was tremendously important,” Jewell added. “However, we cannot stop there. Over the next two years, NCAE will continue to advocate for better education policies for our students, educators, and communities, and we will hold those elected officials accountable to giving our students every opportunity to succeed.”

NCAE News Bulletin

A New Year On the Horizon, a New General Assembly in Office...Will You Be Ready for the Work Ahead? Your voices and your votes made a huge difference on Can you believe it’s already November 6 in what will now happen for our students, our December? It’s been almost a public schools, and the profession as a whole. A lot of hard month since the mid-term work went into ensuring that our pro-public education election and almost seven candidates were elected. Now, we must continue that work months since our May 16 by pushing our pro-public education agenda and working March and Rally. Time has with these new lawmakers to acquire funding for more truly moved quickly, which I student resources; increase attribute to all of Mark Jewell educator pay; and hire more the hard work we President “Your voices and your votes made a school nurses, social workers, have put into huge difference on November 6 in and counselors. Not only will ensuring public what will now happen for our we work with them here in education remains intact. The phrase “Time students, our public schools, and Raleigh, we need for you to flies when you’re having fun” definitely has reach out to them in your new meaning! the professional as a whole.” respective communities and let As we prepare for this special time of year, I them know what your concerns encourage you to spend time with family and are. Share your stories, share what your students’ needs are, friends, enjoy some much-deserved down time, and reflect share what your needs are, and remind them that we will be on your many accomplishments. Also, as 2018 comes to a holding them accountable for ensuring that every student has close, I ask that you keep in mind the public education an opportunity to be successful. victories we won on Election Day, how NCAE led the way, Public education in our state is on a new path to greatness and the work that is required of us beginning on January 1. and NCAE must serve as a prominent guide. Time and time Because of you, the members of the state’s largest again we have mentioned how North Carolina was once the education advocacy organization, we helped break the education beacon of the South. We have now laid the supermajorities in both the House and Senate, which will groundwork to make it a reality once again. So, rest up, give Governor Cooper veto power. We helped elect prorejuvenate yourselves, and come ready to make 2019 the best public education judges that will ensure a fair judicial system in North Carolina. And, we helped defeat two power possible year for public education! I look forward to connecting with you on the work we have ahead of us. Enjoy grab Amendments – one related to judicial appointments your holiday and be safe! and one related to the Elections and Ethics Board.

January 21, 2019 Day of Service

Life’s most persistent and urgent question is...“What are you doing for others?” --Martin Luther King Jr.

NCAE News Bulletin

Happy Holiday Wishes from NCAE!

NCAE News Bulletin !

2018–2019

Helping problem-solve your busy life. Between school, after-school activities and your home life, there aren’t enough hours in the day. NEA Member Benefits helps save time and money with information that’s relevant to you as an educator. We’ll help you research and select financial and insurance products, travel discounts, retirement advice and budget tips, allowing you to provide the life you want for your family.

TRAVEL & EXPERIENCES

HOME & AUTO

SMART DEALS

Spend your travel budget wisely. Check out these 8 little-known vacation deals for teachers at neamb.com/travel-deals. Plus, here are 100 free attractions to enjoy around the U.S.! neamb.com/free-attractions. And because getting away shouldn’t add to your stress, see how to plan a vacation without going into debt at neamb.com/vacation-budget.

As an educator, you’re always looking for new ways to save money. Discover 12 ways to save on homeowner’s insurance at neamb.com/homeowner-savings. And if sudden car repairs pop up, see how to save a bundle at neamb.com/repair-wise. And when you have time to tackle spring chores, try this home and garden checklist at neamb.com/hg-checklist.

Travel Ideas Delivered to You: Subscribe now to get the inside scoop on travel deals and tips. neamb.com/travelsignup

Save an Average of $495 Per Year: Members save big with NEA Auto & Home Insurance. neamb.com/autohome

There are three things you probably could use a little more of: time, resources and money. Members have saved over $12 million with NEA Click & Save, plus your membership provides money-saving discounts at neamb.com/teacher-save. Looking for ways to dine out on a dime? Check out neamb.com/dine-out. Saving money doesn’t have to be a seasonal thing — it can happen all year long at neamb.com/year-round-savings.

Plan Your Perfect Getaway: Use NEA Vacations to book airfare, hotels, cruises and resorts at amazing low prices. neamb.com/neavacations Go on a Guided Tour: Travel with your friends on a group tour to some of the world’s most exotic destinations. Leave the planning to the experts so you can have more fun. neamb.com/grouptour

/neamemberbenefits @NEABenefits

Average Member Discount of $3,383: With the NEA® Auto Buying Program, members regularly see big savings off MSRP. neamb.com/autobuying Member-Only Savings on Appliances: Shop this secure online store for quality GE home appliances at amazing discounts. neamb.com/appliances Financing Your Home: You’ll receive special benefits, support, and competitive loan options when you buy or refinance through Wells Fargo Home Mortgage. neamb.com/home-mortgage

Earn Rewards With Every Purchase: Choose a card that earns cash back with the NEA® Cash Rewards Card.1 neamb.com/cashrewards Everyday Deals Made for You: Save on restaurants, electronics, movie tickets, home products (from Lowes to Etsy) and apparel with NEA Click & Save. neamb.com/clickandsave Save on Flowers and Gifts: Save 20% on flowers, plants, gift baskets, gourmet foods, confections, plush stuffed animals, and more. neamb.com/flowers

Call 1-800-637-4636

Visit neamb.com

Se habla español

Live chat available

MONEY SMARTS Get expert tips on how to create and live within a budget, without stressing yourself out at: neamb.com/6-simple-steps and discover how a better credit score can help you save money at neamb.com/secrets-of-interest. Plus, financial expert, Dave Ramsey, offers members the secret to getting out of debt — painlessly — at neamb.com/debt-free-secret. See Your Savings Grow: The NEA Savings Programs offer NEA® Online Savings Accounts, NEA® Money Market Accounts and more. neamb.com/savings Our Lowest-Rate Card: Save on interest charges with the NEA RateSmart® Card.1 neamb.com/ratesmart Consolidate Debt Today: Take advantage of no processing fees and low, competitive rates with the NEA Personal Loan.® neamb.com/personal-loan

HEALTH & SECURITY Keeping personal information safe and secure is rapidly becoming a full-time endeavor. Get 5 tips for safe online shopping at neamb.com/safe-shopping. Being aware so you can be prepared is vital when it comes to planning for the future. Get the facts with our Long-Term Planning Guide at neamb.com/long-term-thinking. See why giving your loved ones the gift of security is crucial at neamb.com/family-security. Help Protect Those You Love: Choose from a range of quality life insurance plans, all at member-only group rates.2, 4 neamb.com/insurance Affordable Care for Your Pets: NEA Pet Insurance plans start at $1 per day for emergency visits, prescriptions, exams, X-rays, and more. neamb.com/pet Enjoy Hassle-Free Health Benefits: Get affordable access to comprehensive care with NEA Dental & Vision Insurance Plans. neamb.com/dentalvision

NCAE News Bulletin

RETIREMENT GOALS When you’re starting out, the idea of planning for retirement feels like an impossible task. Discover why planning and saving for retirement is a marathon, not a sprint, at neamb.com/retirement-planning, and why you should start saving early at neamb.com/nest-egg. Then take advantage of this 5-minute retirement checkup tool at neamb.com/checkup. Manage Retirement Savings & Income: Plan with the NEA® Retirement Program. neamb.com/retirement-program Member-Only Prescription Rates:3, 4 Use the NEA® Group Part D Program for comprehensive prescription drug coverage. neamb.com/partd Choose Your Own Doctor: The NEA® Retiree Health Program (to supplement Medicare)4, 5 has options at member-only group rates and no provider lists. neamb.com/rhp

Stay in the know We’ve compiled this handy checklist to help you stay on top of your benefits and take advantage of the tools available to you. Register for your benefits and save your info here (your User ID to log in will be your email address, and you will create your own personalized password): User ID

Password

Subscribe to free newsletters filled with helpful tips and solutions at: neamb.com/newsletters Enroll in NEA Click & Save for email alerts and advance notice of special offers that interest you: neamb.com/clickandsave Sign up for NEA Vacations to browse deals on hotels, resorts, cruises and more. Receive $500 in Travel Dollars the first time you use it: neamb.com/neavacations Speak to a Member Advocate for benefits assistance when you call 1-800-637-4636 Register a beneficiary for your no-cost NEA Complimentary Life Insurance coverage to let us know where you want your benefits to go: neamb.com/complife Get more info that you can use on a range of topics. Text ALLFLYERS to 73915

No dues dollars are used to market NEA Member Benefits programs. Some programs are not available in all states. NEA, NEA Member Benefits and the NEA Member Benefits logo are registered service marks of NEA’s Member Benefits Corporation. 1 For information about the rates, fees, other costs and benefits associated with the use of these credit cards, please visit us online at www.neamb.com/finance/credit-cards. These credit card programs are issued and administered by Bank of America, N.A. 2 NEA Life Coverages and Accidental Death and Dismemberment coverage are issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet Certificate contains all details, including any policy exclusions, limitations and restrictions which may apply. 3 Transamerica Life Insurance Company, Cedar Rapids, IA, is a PDP plan sponsor with a Medicare contract. Enrollment in this plan depends on contract renewal. 4 Provided by the NEA Members Insurance Trust. 5 Deposit products are offered by Discover Bank, Member FDIC. 002

NCAE News Bulletin !

Grant Helps NBCTs Address Attrition Rates in 3 Locals

Greetings NCAE Family! On behalf of the North Carolina Foundation for Public School Children, the charitable arm of NCAE, I write this with a heart full of thanksgiving and gratitude for you. Your impact on our state’s school children is impossible to capture in this letter. Every day students struggle in school because they need something their families cannot afford and for which no other help is available. Today, thousands of those students now have what they need to focus on learning because this foundation exists. This year almost 300 children are wearing eyeglasses purchased by the Foundation. One first grader named Lila is missing an ear. Lila needed eyeglasses with a customized frame that attaches to hairbands. Medicaid would not cover the special frames so the Foundation did. We received a photo of Lila holding a large “Thank You” sign she made herself, wearing pink-framed eyeglasses and a big smile on her face. Elijah came to North Carolina as a refugee with severely bowed legs. He moved around his classroom holding an adult-size walker. Elijah’s teacher asked if the Foundation would contribute toward a small walker, but we went beyond. In the process of working with Elijah’s teacher and an orthopedic doctor, Elijah now moves independently, walking in custom-made leg braces that will grow as he grows and, ultimately, correct his gait so he will be able to walk on his own. The Foundation Grants Program impacted more than 5,000 students and teachers over the past year. Several teachers from low-wealth school districts attended professional development workshops. Communities where children don’t have books in their homes now do. Programs now exist for non-English speaking families to teach parents how to navigate the school system and support their children’s homework, especially in reading. A technology lab was rebuilt at Princeville Elementary to replace one destroyed by Hurricane Matthew. Last month I drove two hours to sit down with a member of the NCAE family whose district was ravaged by Hurricane Florence, two schools a total loss. As we are doing with other school districts, I was there to understand how the Foundation can best help amid so much loss. The member told me the Foundation has helped many students over the years. She shared this story. “Last year for the first time in 14 years our school bands were able to march in the local parades. Your foundation made that happen. Several of our students could not pay for an instrument so we reached out to you. You did not only help students, you lifted an entire community.” NCAE family, you can be proud to know that in September your foundation was the first organized effort in North Carolina to implement a Disaster Aid fund campaign and plan to help schools, teachers, and students affected by the hurricane. I did not realize this until other state education leaders applauded us for “jumping out ahead of everyone.” Built by past NCAE leaders and sustained by NCAE members, the North Carolina Foundation for Public School Children is a force of help and hope for our state’s public school children, educators, and communities. Thank you for supporting the Foundation, and have a happy holiday season! With respect and gratitude,

Marca Hamm, executive director

The NCAE National Board Network applied for and received a Kellogg Grant (Leading, Empowering, and Advocating for the Profession – LEAP) to address attrition rates in several locals, with Durham, Guilford, and Forsyth being the ones selected based on interest. The funds are supporting efforts of seven NBCTs working in collaboration with two schools each in their local to support teachers in years three through seven. The NBCTs are working with a cohort of five teachers each with the goal that these educators will report greater job satisfaction and an increased desire to remain in the profession as a result of the support provided to them. The NC Leadership Team chose to focus on the workforce challenge of teacher retention and encompassing high-needs students. This work will create stability in schools, allowing teachers to remain invested in their school community and providing accomplished teaching for students. We know students learn from a teacher committed to the profession who they recognize as a member of their school community, which provides continuity in student-teacher relationships. Our approach is to leverage NBCTs to embed the body of knowledge (BoK) in support of lateral-entry and early career educators who do not receive ongoing, formal mentoring support from their districts. The main resource being used is What Teachers Should Know and Be Able To Do . Teachers have been identified by administrators, or volunteered, to commit to working regularly with the NBCTs and the cohorts from each local throughout the year. Teachers in the cohorts who complete the work will receive a small stipend as well as new skills to enhance rigor and relevance in their classroom.

NCAE News Bulletin

Educational Opportunities NC Teaching Fellows Applications Are Open NC Teaching Fellows applications are now open. All applications must be submitted online by 11:59 p.m. (EST) on Monday, January 7, 2019. • Receive up to $4,125 per semester for up to eight semesters • Study at a premier educator preparation program in North Carolina • Benefit from meaningful program activities to enrich your studies • Teach in a Special Education or STEM field in a North Carolina public school To learn more, visit https://myapps.northcarolina.edu/ ncteachingfellows/. Biogen Foundation Spark Video Contest The Biogen Foundation is inviting middle and high school students in North Carolina to create videos on the topic of biotechnology in their lives. These videos must be between 30 seconds and three minutes, accurate, and creative. Videos are being accepted through December 17. Students are encouraged to work with a teacher in order to submit videos (up to two submissions per school), because the first 200 schools to submit an eligible video will win $500. Visit spark.biogenfoundation.com for more information about the contest and to submit a video. All schools are eligible to enter. Teachers must be the ones to submit the videos. If you have questions, contact the Biogen Foundation at foundation@biogen.com. Upcoming Professional Development at NCCAT North Carolina educators have plenty of opportunities throughout the fall to attend the North Carolina Center for the Advancement of Teaching (NCCAT), a recognized national leader in professional development programming for teachers. Applicants are encouraged to register as soon as possible to ensure a spot. Programs are available to North Carolina educators at the Cullowhee and Ocracoke campuses, online, and with NCCAT faculty visiting school districts. NCCAT provides food, lodging, and programming. Teachers and/or their districts are responsible for travel to and from the center and the cost of the substitute teacher. For a complete list of upcoming NCCAT programs, click here. For more information on how to apply for NCCAT programs, click here.

News From the NCAE NBCT Network Annual Winter NBCT Boot Camp Attention…National Board candidates! The annual winter NBCT Boot Camp is scheduled for January 31 – February 2, 2019. Initial and renewal NBPTS candidates will be provided an opportunity to work on components and have trained NCAE NBCT coaches with a wide swath of expertise available on which to bounce ideas and critique written products. Boot Camp begins with dinner and a keynote speaker on January 31, and candidates setting goals for the weekend. The agenda will be candidate driven, ending on Saturday by 3 pm. The cost varies for NCAE members and non-members (based on room occupancy). The registration fee covers: Quiet working space, including wireless Internet and access to printers and copiers Access to support coaches who are experienced in group settings and one-on-one appointments Support sessions on topics such as understanding standards and unpacking components of National Board Certification if you have not yet attended a local or regional session Assistance in analyzing student work, and reflective writing tips Lodging at double occupancy plus most meals Candidates can use one of three release days for the February 1 workday (PRC011) Space is limited. Registration ends January 15, 2019. For more information and to register, click here.

NC Teachers Association Co-Founder Honored with Historical Marker Peter Weddick Moore, one of the founders and former president of the North Carolina Teachers Association (NCTA), recently had a North Carolina Highway Historical Marker erected in his honor in Elizabeth City. The marker stands at the site of the P.W. Moore Elementary School. Moore was principal of the State Normal School for the Colored Race in 1891, which is now Elizabeth City State University. The normal school was founded for the specific purpose of teaching and training teachers of the colored race to teach in the common schools of North Carolina. Moore built upon that idea and was a founding member of the NCTA, which merged with the white North Carolina Education Association (NCEA) in 1970 to form NCAE.

NCAE News Bulletin

Tips to Wrap Up Your Gift List Quickly Yes, by nature of the profession, educators are already strapped for time. But leave gift shopping until shortly before the holidays and you’ll find yourself even more stressed out and spending way too much time and money. However, adopting some the strategies of the shopping overachievers we all know (and secretly envy) can help you avoid getting caught up in the crazy. Yes, you CAN be the envy of your friends and family and get everything done early! It just takes planning. With the help of fellow educators, we’ve collected seven ways to help you get all your shopping done while sticking to your budget. Plus, you can use these ideas to get started even earlier next year. Create a list with a per-person budget and stick to it! Even if you don’t know exactly what you want to buy, at least have a dollar amount in mind for each person on your list. This will help you keep spending under control. Use the method you know you will use, whether that’s pen and paper, or computer and smartphone. Keep it with you so you’ll have it if you find a few extra minutes for a shopping run. (Take advantage of extended holiday hours!) Go high-tech. Use time- and money-saving apps and websites to plan strategic strikes. Coupon Sherpa, both the website and app, tracks down brand-name online, printable, grocery and mobile coupons. Sites such as Mint can help you stick to your budget. Buy online. Middle school teacher Lesley Buckner, from Berea, Kentucky, shops online to save time. She makes sure she waits for sales, free shipping, and also remembers to make use of her NEA benefits. “Last year, NEA Click & Save helped me save an enormous amount of cash,” she recalls. “I bought down vests from Lands’ End and saved at least $20 per vest.” Combine sales with coupons to save the most. When Buckner shopped for her down vests, she was able to use Lands’ End coupons when the vests were on sale. Nearly every week stores are offering coupons in the newspaper or online. You can often get extra deals by signing up for store e-mails. Think in themes. If you’ve found a kind of gift or a theme that works, stick with it year after year. Take Angela Hardy, a former third-grade teacher who now teaches at Unity College in Unity, Maine. “My mother-in-law loves antique kitchen utensils, and after 30 years as a home economics teacher, she appreciates each item,” Hardy says. “I love wandering through small antique shops or yard sales, and finding that one item that would put a smile on her face.”

Buy in bulk. If you have extended family and/or lots of friends to buy for, think of more generic items that you can buy in multiples. For example, buy the same popular toy for several children or a pretty scarf in different colors for several relatives. Just be aware of recipients who might be opening their gifts at the same holiday party. Give gift cards—it’s ok! While not a first choice for gifts, Berta Sipe, an elementary physical educator, admits that when you give a gift card, “it saves you from getting the wrong item or size.” Gift cards can fit any budget or timeframe. And to get you started on NEXT year: Hit the after-holiday sales, then buy all year long. “I usually do holiday shopping throughout the year because as a teacher, I only get paid once a month,” says Buckner. “To budget and still purchase quality gifts, I must shop throughout the year.” She’ll start next year’s holiday shopping literally the day after Christmas and then stock up all year long when she finds bargains. These tips should help you get your holiday shopping off on the right foot. And even if you can’t put them all into practice this year, you can keep these ideas in mind for the next holiday season and beyond. NEA Member Benefits

Showcase Your Talent...Enter the HCR Art Contest If you, or your students, are naturally artistic, consider entering their work and yours in the NCAE Human and Civil Rights Art Contest. The contest is sponsored annually by the NCAE Human and Civil Rights Commission. The competition is open to all public school students and educators who are members of NCAE. An individual may submit a total of two entries and regions can submit a maximum of 12 entries. The deadline for submissions is February 4, 2019. Click here for rules and an entry form.

NCAE News Bulletin

DEALS

2018

for NEA Members NEA Click & Save “Buy-lights” for December No sooner does school start than anticipation of the fall and winter holidays begins. NEA Click & Save, the online discount buying service for NEA members, highlights select retailers and merchants each month. Check out these featured “Buylights” for December! • MovieTickets.com – Save up to 30 percent on tickets at popular theater chains including Regal, AMC, and Cinemark. • Advance Auto Parts – Be ready for any kind of weather! Get 15 percent off winterizing essentials such as batteries, windshield wipers, tire pressure gauges, and emergency kits. Plus, get 1X WOWPoints and free shipping on orders of $25 or more. • Crate & Barrel – Entertain in a beautiful space with high-quality tableware, cookware, linens, and furnishings from Crate & Barrel. Save up to 50 percent off and earn 1X WOWPoints. • Macy’s – Get great deals on clothing, outerwear, beauty supplies, jewelry, and gifts for all occasions. • Perfumes.com – Choose from thousands of brand name perfumes, colognes, and skincare products from hundreds of designers direct to consumers. Earn 4X WOWPoints. • Shoes.com – For shoe lovers of all types: stilettos, platforms, boots, flats, and more. Get up to 75 percent off sales styles and 4X WOWPoints on your order, plus free shipping. Send Holiday Wishes from the Heart NEA members save 20 percent on holiday flowers and gifts across the entire family of 1800FLOWERS.COM brands, including Cheryl’s Cookies, The Popcorn Factory, Fruit Bouquets.com, and Harry & David, among others. Call 1-800-755-7474, 24 hours a day, and use promotion code NEAMB, or visit www. 1800flowers.com/nea.

N C A E

N E W S

Dates to Remember December 7th 10th 20th 21st 31st

National Pearl Harbor Remembrance Day Human Rights Day International Human Solidarity Day Winter Solstice New Year’s Eve World Healing Day Universal Human Rights Month

January 2019 1st 16th 21st

New Year’s Day Religious Freedom Day Martin Luther King Jr. Day (NCAE Offices Closed) National Day of Service 25th Thank Your Mentor Day Celebration of Life Month Financial Wellness Month National Poverty in America Awareness Month

ABrightFUTURE For NEA Members and their families

NEA Member Benefits can help if you’re interested in furthering your education. The NEA Smart Option Student Loan by Sallie Mae offers great rates and no origination fee. Visit www.neamb.com/sl or call 866-898-5198.

B U L L E T I N

The NEA® Smart Option Student Loan® by Sallie Mae® You know the value of higher education; making it a reality is a smart decision. The NEA is here to help you or a member of your family* find a way to achieve your goal. Flexible repayment options. Make payments while in school or you can defer payments until after graduation1. The choice is yours! Great rates — no origination fees. The NEA® Smart Option Student Loan® by Sallie Mae® offers competitive rates1. Borrow up to 100% of the school-certified undergraduate or graduate school expenses not covered by scholarships, grants or federal loans2. The NEA Exclusive Rate Reduction lets you reduce your interest rate by a quarter percentage point after making your first 12 on-time principal and interest payments3. Plus, there are no origination fees or prepayment penalties. All offered for NEA Members and their families.

To learn more, visit www.neamb.com/sl or call 1-866-898-5198.

in partnership with *The NEA Student Loan Program has been developed for NEA members and their families. Parents, spouse or domestic partner, and children are eligible family members. Borrow Responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. 1 Interest rates for Fixed and Deferred Repayment Options are higher than interest rates for the Interest Repayment Option. You’re charged interest starting at disbursement, while in school and during your six-month separation or grace period. When you enter principal and interest repayment, Unpaid Interest will be added to your loan’s Current Principal. Variable rates may increase over the life of the loan. Advertised APRs assume a $10,000 loan to a freshman or first-year graduate, as applicable, with no other Sallie Mae loans. 2 Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount. 3 NEA Members can earn a 0.25 percentage point interest rate reduction by making their first 12 on-time principal and interest payments or paying ahead an amount equal to the first 12 on-time principal and interest payments. Although you may still earn the benefit if you pay ahead the required amount, the benefit will not be activated until after the 12th principal and interest payment would have been due. Any period in which your loan is in a forbearance, deferment, or Graduated Repayment Period will not count towards satisfying the on-time principal and interest payment requirement. NEA’s Member Benefits Corporation receives compensation from Sallie Mae for this program. NEA’s Member Benefits Corporation does not receive any dues dollars from NEA to support Member Benefits programs. This information is for borrowers attending degree-granting institutions only. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. Smart Option Student Loans are made by Sallie Mae Bank or a lender partner. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank or its subsidiaries. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America. Information advertised valid as of 2/26/18. © 2018 Sallie Mae Bank. All rights reserved. MKT13343 0318

Follow NCAE events and activities on: kkkkkkkkkkkkk

Positions stated in this publication do not necessarily reflect the official position of NCAE unless so identified. The NCAE News Bulletin, a journal of the Association, is published by the North Carolina Association of Educators, 700 S.Salisbury St., Raleigh, NC 27601, 1-800-662-7924. Linda D. Powell, Editor/Designer

ffffffffffffff ffffffffffffffffffffff iiiiiiiiiiiiii kkkkkkkkkkkkk ffffffffffffff

www.ncae.org

ffffffffffffffff LLLLLLLLLLL ffffffffffffff LLLLLLLLLLL kkkkkkkkkkkkk fffffffffffff LLLLLLLLLLL kkkkkkkkkkkkk fffffffffffff ffffffffffffffffffffffffffffffffff LLLLLLLLLLL ffffffffffffffffffffffffffffffffff

fffffffffffff