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5 United Nations Agencies You Need to Know

The United Nations was born during the middle of World War II as the world seemed to be coming apart. Though its founding is officially celebrated in October, it was 72 years ago on Monday that 50 of the original member states signed the Charter of the United Nations after unanimously passing it the day before.

Since its founding, the organization has faced its share of criticism. Its agencies are credited with boosting health and education levels and helping to save millions of lives. But it has often been accused of being bloated and undemocratic, with just a few member states calling most of the shots.

President Franklin D. Roosevelt pushed for the creation of the U.N. during the deadliest war in human history as the key to preventing another massive global conflict. It was Dag Hammarskjöld, the second U.N. secretary general, who said the entity “was created not to lead mankind to heaven but to save humanity from hell.”

The U.N. Charter gave the organization the authority to maintain international security, establish democracies and promote peace. Here’s a look at five of its biggest aid agencies.

UNICEF

The United Nations Children’s Fund defends the rights of children and seeks to improve their standards of living around the globe. Since 2010, UNICEF programs have helped save the lives of 48 million children by providing nutritional assistance, vaccines and clean water. Today, the agency also promotes education and gender equality, protects children from abuse and exploitation and partners with governments to ensure child well-being. The organization, one of the U.N.’s most recognizable, responded to 344 humanitarian emergencies in 108 countries in 2016 alone.

World Health Organization

The World Health Organization works with governments and organizations in more than 150 countries to promote international public health and combat preventable death and disease. During the past 10 years, health and life expectancy have improved in nearly every country and deaths from malaria and HIV have declined by half. The number of child deaths dropped by half between 2000 and 2015 as a result of WHO intervention — 19,000 fewer deaths each day. Since the turn of the millennium, the agency’s efforts to stop tuberculosis have saved nearly 50 million lives. The agency established the Health Emergencies Programme after the 2014 Ebola virus outbreak in West Africa, allowing WHO to respond faster and more effectively to health emergencies. WHO plans to expand access to medicine, health care coverage and potable water.

UNHCR

The U.N.’s refugee agency provides aid and defends the rights of tens of millions of refugees, internally displaced people and other forced migrants, with 470 locations in 128 countries. In 2016, 67.7 million people remained a concern for UNHCR, a 3.8 million increase from 2015. Countries receiving a bulk of assistance include Syria — where 11.5 million people are refugees or internally displaced — Iraq, South Sudan, Burundi, Myanmar and Yemen. In 2016, 25 countries made legislative changes that increased the protections of refugees and asylum-seekers, and nearly 61,000 stateless people gained a nationality or had their own confirmed.

World Bank

The World Bank provides financial and technical support for developing countries, with more than 120 offices around the world. It partners with local governments and organizations to provide loans, credits and grants for investments in education, health, infrastructure, business development, agriculture and public administration. Since 2000, more than 1 billion people have been lifted from poverty, and in 2015 the World Bank estimated that the percentage of people living in extreme poverty — those surviving on less than $1.90 a day — around the globe fell below 10 percent for the first time. By 2030, the organization plans to lower that figure to about 3 percent, as well as assist in income growth for the bottom 40 percent of every country.

UNESCO

The United Nations Educational, Scientific and Cultural Organization prioritizes sustainable development, freedom of expression and education through its initiatives in China, Costa Rica and dozens of other countries. The agency works mainly to promote equality and raise awareness of challenges facing indigenous people, the disabled, women, children and disadvantaged groups. In 2015, UNESCO hosted a World Press Freedom Day conference to highlight the importance of a fair, open and safe news media. It recognized the more than 700 journalists have been killed during the past decade. UNESCO also protects its World Heritage Sites that are deemed culturally and historically significant from decay and cultural cleansing. Egypt’s pyramids, Australia’s Great Barrier Reef and the United States’ Grand Canyon are among the 1,052 listed properties.

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5 United Nations Agencies You Need to Know originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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