Difference between pages "Diversity and cross-cultural issues in Ghana" and "Financial Benefits and Loan Deferment"

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(New page: During service, Peace Corps Volunteers receive vacation time, pay and living expenses, deferment of student loans, and transportation to and from the country of service. ==Vacation Time=...)
 
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During service, Peace Corps Volunteers receive vacation time, pay and living expenses, deferment of student loans, and transportation to and from the country of service.  
In fulfilling the Peace Corps’ mandate to share the full face of America with our host countries, we are making special efforts to see that all of America’s richness is reflected in the Volunteer corps. More Americans of color are serving in today’s Peace Corps than at any time in recent years.  Differences in race, ethnic background, age, religion, and sexual orientation are expected and welcomed among our Volunteers. Part of the Peace Corps’ mission is to help dispel any notion that Americans are all of one origin or race, and to establish that each of us is as thoroughly American as the other, despite our many differences. Our diversity helps us accomplish that goal.  
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In other ways, however, our diversity poses challenges. In Ghana, as in other Peace Corps host countries, Volunteers’ behavior, lifestyles, background, and beliefs will be judged in a cultural context very different from our own. Certain personal perspectives or characteristics considered familiar and commonly accepted in the United States may be quite uncommon, unacceptable, or even repressed.
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==Vacation Time==
  
Outside of Accra, Ghana’s capital, residents of rural communities have had relatively little direct exposure to other cultures, races, religions, and lifestyles. What is advertised as “typical” cultural behavior or norms may also be a narrow and selective interpretation, such as the perception in some countries that all Americans are rich and have blond hair and blue eyes. The people of Ghana are justly known for their generous hospitality to foreigners; however, members of the community in which you will live may display a range of reactions to differences that you present. We will ask you to be supportive of one another.  
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Volunteers receive two vacation days per month of service, a total of 48 days over two years. Many use this time to travel to nearby countries, expanding their opportunities for adventure and cross-cultural experiences. Some invite family or friends to visit so they can share their experience of the host country with loved ones. And of course, Volunteers can use this time for a visit home (at their own expense).
  
In order to ease the transition and adapt to life in Ghana, you may need to make some temporary, yet fundamental compromises with who you are as an American and as an individual. For example, female trainees and Volunteers may not be able to exercise the independence available to them in the United States; political discussions will need to be handled with great care; and some of your personal beliefs may best remain undisclosed. You will need to develop techniques and personal strategies for coping with these and other limits. The Peace Corps staff will lead diversity and sensitivity discussions during your pre-service training and will be on call to provide support, but the challenge ultimately will be your own.
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==Pay and Living Expenses==
  
===Overview of Diversity in Ghana===
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The Peace Corps provides Volunteers with a living allowance that enables them to live in a manner similar to the local people in their community. Returning from overseas requires some adjustment, so when you complete your service, the Peace Corps provides just over $6,000 toward your transition to life back home. This money is yours to use as you wish: for travel, a vacation, making a move, or securing housing.
  
The Peace Corps staff in Ghana recognizes adjustment issues that come with diversity and will endeavor to provide support and guidance. During pre-service training, several sessions will be held to discuss diversity and coping mechanisms. We look forward to having male and female Volunteers from a variety of cultures, backgrounds, religions, ethnic groups, and ages and hope that you will become part of a diverse group of Americans who will take pride in supporting each other and demonstrating the richness of American culture.
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==Deferment of Student Loans==
  
===What Might A Volunteer Face?===
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Volunteers may defer repayment of student loans under several federal programs, i.e., Stafford (formerly known as guaranteed student loans), Perkins, direct and consolidation loans. Some commercial loans may also be deferred during Peace Corps service. Because the rules that authorize deferment are complicated and subject to change, it is best to talk to a Peace Corps recruiter about how this benefit applies to your situation.
  
====Possible Issues for Female Volunteers====
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==Cancellation of Student Loans==  
  
Friendships between men and women and ideas about romance are different in Ghana than in the U.S. Ghanaians casually joke about marriage often, and after a while you will appreciate the humor and laugh right along with them. Some Volunteers, however, tire of the constant marriage requests.  Wearing a wedding-band does not minimize unappreciated comments.  
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Only Volunteers with Perkins loans are eligible for a partial cancellation benefit. Fifteen percent of your Perkins loans can be cancelled upon the completion of each 365 days of service during your first two years of service, and 20 percent can be cancelled upon completion of each of the third and fourth years. Therefore, four full years of service would equal a 70 percent cancellation of your existing loan.  
 
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====Possible Issues for Volunteers of Color====
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[[Instructions for Student Loans]]<br> 
MaThe name they give to foreigners, oburoni, actually translates to “someone from over the horizon.” But you will find that this term is used interchangeably with “white person.” People will try to guess at what you are or simply assume and yell something at you like “Indian!” or “Chinese!” or “Black-American!” This is very difficult for some people. To suggest people might
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Learn how Peace Corps service affects loan deferment, interest payment, and more.
not know the difference between chinese,indian, black American is a bit untrue.Labanese,Indians, half cast and black Americans are the easiet to be indentify by Ghanains
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But it is true that most Ghanaians will get confused with chinese,Koreans Japanese and whites.
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[[Student Loan Deferment / Cancellation Frequently Asked Questions]]<br> 
====Possible Issues for Senior Volunteers====
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Find answers to your loan deferment questions.  
 
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Age is respected in Ghana, and Volunteers in their early twenties find that they may have to make an extra effort to be accepted as professional colleagues since very often Ghanaians of that age are still pursuing their education.  Younger Volunteers must work for acceptance and respect since respect in traditional Ghanaian society is associated with age. In contrast, every wrinkle and every gray hair earns respect for the experience and wisdom they represent.   
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==External Links==
 
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[http://www.peacecorps.gov/index.cfm?shell=learn.whyvol.finben Financial Benefits and Loan Deferment] Official US Peace Corps Website
====Possible Issues for Gay, Lesbian, or Bisexual Volunteers====
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Ghanaians feel that homosexuality is immoral and depraved behavior. Homosexuality is against the law. Being sensible about revealing one’s sexual orientation in one’s home, workplace, and community is advisable. Being “out” can invite harassment and physical attack.
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'''See also:''' Articles about Ghana on the National Lesbian, Gay, Bisexual Peace Corps Alumni Association website at http://www.lgbrpcv.org/articles.htm
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====Possible Religious Issues for Volunteers====
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Volunteers in Ghana may frequently be asked if you believe in God. Because church or the mosque and prayer is a big part of many communities, you may feel under pressure to attend.  
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Because Ghana is predominantly a Christian and Muslim country, people may not understand what it means to be Jewish, Buddhist, or Hindu. Unlike the United States, religion and prayer are built into all official ceremonies and meetings.  Interestingly, many educated Ghanaians do not believe in traditional, indigenous beliefs and frown upon others being interested in such topics. If you do not participate in organized religion in the U.S. it is alright to discuss this with Ghanaians. They will be quite intrigued if you do not believe in God. Some people may find this nearly impossible.
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====Possible Issues for Volunteers with Disabilities====
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Being disabled in Ghana brings about its own complications.  In some cases, people may not feel you can do the job, and others may try to do things for you instead of letting you do them yourself. As for Ghanaians, they are generally very blunt and direct in asking you about your disability. As a disabled Volunteer in Ghana, you will face a special set of challenges.  There is very little infrastructure to accommodate those with disabilities. Peace Corps/Ghana will work with disabled Volunteers to make reasonable accommodations in training, housing, and job sites to enable them to serve safely and effectively.
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[[Category:Niger]]
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Revision as of 08:44, 20 June 2007

During service, Peace Corps Volunteers receive vacation time, pay and living expenses, deferment of student loans, and transportation to and from the country of service.

Vacation Time

Volunteers receive two vacation days per month of service, a total of 48 days over two years. Many use this time to travel to nearby countries, expanding their opportunities for adventure and cross-cultural experiences. Some invite family or friends to visit so they can share their experience of the host country with loved ones. And of course, Volunteers can use this time for a visit home (at their own expense).

Pay and Living Expenses

The Peace Corps provides Volunteers with a living allowance that enables them to live in a manner similar to the local people in their community. Returning from overseas requires some adjustment, so when you complete your service, the Peace Corps provides just over $6,000 toward your transition to life back home. This money is yours to use as you wish: for travel, a vacation, making a move, or securing housing.

Deferment of Student Loans

Volunteers may defer repayment of student loans under several federal programs, i.e., Stafford (formerly known as guaranteed student loans), Perkins, direct and consolidation loans. Some commercial loans may also be deferred during Peace Corps service. Because the rules that authorize deferment are complicated and subject to change, it is best to talk to a Peace Corps recruiter about how this benefit applies to your situation.

Cancellation of Student Loans

Only Volunteers with Perkins loans are eligible for a partial cancellation benefit. Fifteen percent of your Perkins loans can be cancelled upon the completion of each 365 days of service during your first two years of service, and 20 percent can be cancelled upon completion of each of the third and fourth years. Therefore, four full years of service would equal a 70 percent cancellation of your existing loan.


Instructions for Student Loans
Learn how Peace Corps service affects loan deferment, interest payment, and more.


Student Loan Deferment / Cancellation Frequently Asked Questions
Find answers to your loan deferment questions.

External Links

Financial Benefits and Loan Deferment Official US Peace Corps Website