how to process form without reloading a page?

[IRG]

I need to create a page which allowes user to change his/her password.

My problem is: I have a php template which loads the necessary php pages from includes directory. If I try to change password using something like this:
<form action="includes/password_change.php" method ="post"> I end up with password_change.php page loading.

Is ajax the only option in this case? Is there another way to process a form without reloading a page?

Please help!!!!!!!!!

[boogyman]

Javascript used in the manner as "AJAX" is defined would be the best solution yes.