Although the practice may result in a lower credit score temporarily, your debt to income ratio should
improve over the course of the program because each debt is paid off one by one.
Over the
course of her career, she has studied how to
improve teacher effectiveness (through professional development, coaching, education); the development
of systems for out -
of - school - time
programs; the implementation and impact
of test - based promotion policies; and the effects
of federal accountability policies on schools, classrooms, and students.