Nervousness while driving is common, especially for new drivers, but with practice and some strategies, you can reduce and eventually overcome this anxiety. Here are some tips to help you stop being nervous when driving:
- Practice Regularly: The more you drive, the more comfortable you will become. Repetition builds confidence, so try to get as much practice as possible in various driving conditions.
- Start Slowly: Begin with short, low-pressure drives on familiar routes to build your confidence gradually. Once you feel more comfortable, you can gradually challenge yourself with more complex driving situations.
- Take a Defensive Driving Course: Consider enrolling in a defensive driving course. These courses can teach you advanced driving techniques and strategies for handling difficult situations, which can boost your confidence.
- Control Your Breathing: Deep, slow breaths can help calm nerves. If you find yourself getting nervous, take a few deep breaths to relax and refocus.
- Listen to Calming Music or Podcasts: Many people find that listening to soothing music or engaging podcasts can help take their minds off anxiety and make driving more enjoyable.
- Visualize Success: Before you start your journey, take a moment to visualize yourself driving confidently and safely. This positive visualization can help reduce anxiety.
- Avoid Rush Hour Traffic: If possible, try to avoid driving during heavy traffic hours when you’re still building confidence. Less crowded roads can be less stressful for new drivers.
- Limit Distractions: Turn off your phone, avoid eating or fiddling with the radio, and focus solely on driving. Reducing distractions can help you feel more in control.
- Stay Informed: Keep up-to-date with the rules of the road and any changes in traffic laws. Knowledge can boost confidence.
- Have an Experienced Passenger: Having an experienced driver in the car with you can provide reassurance and guidance. They can offer advice, answer questions, and help you stay calm.
- Take Breaks: If you’re on a long trip and start to feel overwhelmed, find a safe place to pull over and take a break. Stretch your legs, have a snack, and relax for a few minutes before continuing.
- Positive Self-Talk: Replace negative thoughts with positive affirmations. Tell yourself that you are capable and safe. Confidence often comes from believing in your abilities.
- Progress Gradually: Don’t rush into challenging driving situations if you’re not ready. Gradually expose yourself to different conditions as your confidence grows.
- Seek Professional Help: If your anxiety while driving is severe and significantly impacting your ability to drive safely, consider seeking help from a therapist or counselor who specializes in anxiety. They can provide strategies and support tailored to your needs.
- Consider Medication: In some cases, a doctor may prescribe medication to help manage anxiety while driving. Consult with a healthcare professional to discuss this option if you believe it’s necessary.
Remember that it’s entirely normal to feel nervous as a new driver, and it often fades with time and experience. Be patient with yourself, and don’t hesitate to seek support or advice if you feel overwhelmed. Your safety on the road should always be the top priority.
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Student Loans in South Africa: How to Apply and What to Expect
For many young South Africans, accessing higher education is a dream that often comes with a financial challenge. Fortunately, several student loan optionsstrong> are available in South Africa to help fund university, college, or TVET studies. Whether you’re looking for a government loan like NSFAS or a private student loan from a bank, understanding the process is essential for success.
What Are Student Loans?
Student loans are a form of financial aid provided to eligible students to help cover tuition fees, books, accommodation, and other study-related expenses. In South Africa, these loans can come from government institutions like NSFAS or private banks such as Nedbank, Standard Bank, FNB, and Absa. Most loans offer repayment flexibility and low-interest options until you graduate.
Types of Student Loans in South Africa
- NSFAS (National Student Financial Aid Scheme): A government-funded loan/grant program for students from low-income households. Covers tuition, housing, transport, and meals.
- Bank Student Loans: Offered by most major banks. These are credit-based and require a guardian or parent as a co-signer.
- Private Loan Providers: Companies like Fundi offer educational loans covering various costs such as school fees, gadgets, and textbooks.
Requirements to Qualify for a Student Loan
Each provider has its own criteria, but most South African student loans require the following:
- Proof of South African citizenship or permanent residency
- Proof of registration or acceptance at a recognised tertiary institution
- Parent or guardian with a stable income to co-sign (for private loans)
- Completed application form with supporting documents (ID, proof of income, academic records)
How to Apply for a Student Loan
To apply for a student loan in South Africa, follow these steps:
- Identify your loan provider: Choose between NSFAS, a bank, or a private lender.
- Gather necessary documents: ID copies, academic transcripts, acceptance letters, and income statements.
- Complete the application form online or at a branch.
- Await approval: Some banks offer instant decisions, while NSFAS can take a few weeks.
- Receive disbursement: Funds are typically paid directly to the institution or your account, depending on the lender.
Loan Amounts and Repayment
The loan amount you can receive depends on your chosen lender and financial need:
- NSFAS: Covers full tuition, residence, books, and a personal allowance. The loan becomes a bursary if you pass all your courses.
- Banks: Can provide up to R120,000 or more annually, depending on tuition costs and credit history.
Repayment usually starts after graduation or once you start earning an income. Bank loans may require interest-only payments during your studies. NSFAS repayment only begins when you earn above a specific income threshold.
FAQs on Student Loans in South Africa
1. Can I apply for a student loan without a parent or guardian?
For government loans like NSFAS, yes. But most banks require a financially responsible co-signer, especially for students without an income.
2. Is NSFAS a loan or a bursary?
NSFAS starts as a loan, but it converts to a bursary if you meet academic performance requirements. This means you may not have to pay it back.
3. What is the interest rate on student loans?
Private banks offer competitive rates between 5% and 12%, depending on the applicant's credit profile. NSFAS charges a much lower interest rate, usually linked to inflation.
4. What happens if I fail my courses?
If you’re funded by NSFAS and fail, your loan won’t convert into a bursary, and you’ll need to repay the full amount. Banks may continue charging interest, and your co-signer may be held liable.
5. Can I use a student loan to pay for accommodation and laptops?
Yes. Both NSFAS and many bank student loans cover costs beyond tuition, including housing, meals, textbooks, and electronic devices like laptops or tablets.
Final Thoughts
Student loans in South Africa offer a much-needed financial lifeline to thousands of students every year. Whether you're applying through **NSFAS** or a private bank, ensure you understand the **terms, interest rates, and repayment conditions** before signing any agreement. Make informed decisions today to secure your academic and financial future tomorrow.