Capital One Capital One Financial

Capital One Capital One Financial Corporation is an American bank holding company specializing in credit cards, home loans, auto loans, banking and savings products. When measured in terms of total assets and deposits, Capital One is the eighth-largest bank holding company in the United States. As of 2012, The bank has 963 Capital One Bank Branches  ncluding 10 café style locations for their Capital One 360 brand On July 27, 1994, Richmond, Virginia-based Signet Financial Corp announced the spin off of its credit card division, OakStone Financial, naming Richard Fairbank as CEO[12] (Signet Banking Corp is now part of Wells Fargo). Signet renamed the subsidiary Capital One in October of that year.[13] The spinoff was concluded February 28, 1995, making Capital One fully independent. Unlike other diversified financial services firms, Capital One began as a "monoline", meaning the vast majority of its business was in consumer lending, particularly credit cards. Remaining a monoline is risky, as it can be very profitable industry in good times, and markedly unprofitable in bad. Most consumer-lending monolines in the past twenty years have either gone out of business (e.g., The Money Store, NextCard, Royal Acceptance) or have been acquired (e.g., MBNA, Beneficial, First USA); Capital One is notable for having experienced neither. 
Capital One Auto Finance

Capital One Auto Financial Corporation is the parent company of Capital One Auto Finance Company, based in Plano, Texas The company includes Summit Acceptance Corporation, which Capital One acquired in July 1998, and PeopleFirst Finance LLC, which was acquired in October 2001. The companies were combined and rebranded as Capital One Auto Finance Corporation in 2003. As of 2012, Capital One Auto Finance is the largest Internet auto lender, as well as one of the top US auto lenders overall.The company, which previously sold auto loans only through direct mail and auto dealerships, lets auto owners refinance existing auto loans and shoppers apply for new auto loans online. A decision usually comes within 15 minutes, after which the buyer receives a "blank check" for up to the approved auto loan amount, which the buyer uses to purchase a car. To the dealership, it is as if the buyer were paying cash. The checks can be used to purchase a new or used vehicle, or to refinance an existing auto loan with another lender.
CapitalOne 360CapitalOne 360 is an online banking division of Capital One. The division originated in a separate company, ING Direct, which was founded in 2000 in Wilmington, Delaware as a brand for a branchless direct bank. In September 2007, ING Direct acquired 104,000 customers and FDIC insured assets from the failed virtual bank NetBank.Two months later, ING Direct acquired online stock broker Sharebuilder.Since 2001, Capital One has been the principal sponsor of the college football Florida Citrus Bowl, rebranding it the Capital One Bowl in 2003. It sponsors a mascot challenge every year, announcing the winner on the day of the Capital One Bowl. Capital One is one of the top three sponsors of the NCAA, paying an estimated $35 million annually in exchange for advertising and access to consumer data.wo months later, ING Direct acquired online stock broker Sharebuilder.In June 2011, Capital One Financial Corporation purchased ING Direct USA from its Netherlands based parent, ING Group, paying US$9 billion (€6.3 billion). The sale was completed on June 16, 2011 with the CEO of ING Group at that time Jan Hommen saying the sale "marks a further important step in the restructuring of ING Group. Yet at the same time we are saying goodbye to a very successful business and a dedicated teamFollowing the acquisition, ING direct was rebranded Capital One 360

The Capital One Cup is a multi-sport award given to a school to acknowledge athletic success across all sports. Several sports programs from  are pitted against each other, acquiring points throughout the school year based on how individual sports teams finish in national championships. Sports are divided into two groups based on popularity and pool of competition, with Group B scoring three times the amount of points of Group A. There are separate Cups for men's and women's sports.Group A men's sports include Cross Country, Skiing, Rifle, Water Polo, Indoor Track & Field, Wrestling, Fencing, Swimming & Diving, Ice Hockey, Gymnastics, Volleyball, Tennis, and Golf. Group B men's sports include Soccer, Football (FCS), Football (FBS), Basketball, Lacrosse, Outdoor Track & Field, and Baseball.Group Awomen's sports include Field Hockey, Cross Country, Skiing, Rifle, Indoor Track & Field, Swimming & Diving, Ice Hockey, Fencing, Bowling, Gymnastics, Water Polo, Tennis, Golf, Rowing. Group B women's sports include Soccer, Volleyball, Basketball, Lacrosse, Softball, Outdoor Track & Field.As of 2012, the latest figures available in 2015, the US has a total of 4,726 eligible, degree-granting institutions: 3,026 4-year institutions and 1,700 2-year institutions.The US had 21 million students in higher education, roughly 5.7% of the total population. About 13 million of these students were enrolled full-time which was 81,000 students lower than 2010.A US Department of Education of 15,000 high school students in 2002, and again in 2012 at age 27, found that 84% of the 27-year-olds had some college education, but only 34% achieved a bachelor's degree or higher; 79% owe some money for college and 55% owe more than $10,000; college dropouts were three times more likely to be unemployed than those who finished college; 40% spent some time unemployed and 23% were unemployed for six months or more; and 79% earned less than $40,000 per year.
number of private liberal arts colleges and universities offer full need-based financial aid, which means that admitted students will only have to pay as much as their families can afford (based on the university's assessment of their income).This can turn some of the most prestigious institutions into the cheapest options for low-income students.In most cases, the barrier of entry for students who require financial aid is set higher, a practice called need-aware admissions. Universities with exceptionally large endowments may combine need-based financial aid with  in which students who require financial aid have equal chances to those who do not. .Financial assistance comes in two primary forms: Grant programs and loan programs. Grant programs consist of money the student receives to pay for higher education that does not need to be paid back, while loan programs consist of money the student receives to pay for higher education that must be paid back. Public higher education institutions (which are partially funded through state government appropriation) and private higher education institutions (which are funded exclusively through tuition and private donations) offer both grant and loan financial assistance programs. Grants to attend public schools are distributed through federal and state governments, as well as through the schools themselves; grants to attend private schools are distributed through the school itself (independent organizations, such as charities or corporations also offer grants that can be applied to both public and private higher education institutions). Loans can be obtained publicly through government sponsored loan programs or privately through independent lending institutions.Merit-based financial awards are money given to a student based on a particular gift, talent, conditional situation, or ability that is worthy of the monetary award, regardless of economic standing. The intent of merit-based financial aid is to encourage and reward students who exhibit these qualities with attendance at a school of higher education through the financial incentive. Not only does merit-based assistance benefit the student, but the benefit is seen as reciprocal for the educational institution itself, as students who exhibit exceptional qualities are able to enhance the development of the school itself.Financial aid has also been found to be linked to increased enrollment. A study conducted by the  found that an increased availability of any amount financial aid amounts to increased enrollment rates. Evidence also suggests that access to financial aids also increases both “persistence and competition”. Further benefit has been noted with academic-based scholarships, augmenting the effects of financial aid by incentivizing the scholarship with performance-based requirements.Many companies offer tuition reimbursement plans for their employees, in order to make the benefit package more attractive, to upgrade the skill levels and to increase retention.