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March 27th, 2008What Educational Loan Will I Get for Abroad?

 

Education loans are given for chase all types of education viz. general, professional, technical and vocational courses. All public sector banks and few private sector banks are providing education loan to meet student’s study fixed cost in India and abroad.

The system enables the students to meet the following costs for studies in India as well as abroad: admission fees, books & stationery, instruments requisite for the course, monthly fees, examination fees, insurance premium for policy on life of the borrowing student, caution deposit/ building fund/ refundable deposit supported by bills/ receipts, expenses like study tours/ project work/ thesis etc. required to total the course, boarding and lodging expenses, and travel expenses/ passage money including air fare for amalgamation the course abroad.

 Eligibility to secure education loan:

(1). should be an Indian National.

(2). Secured admission to Professional / Technical courses through Entrance Test / Selection process.

(3). Secured admission to foreign University / Institutions.

(4). Student should have secured pass marks in the qualifying Examination for admission to Graduation Courses.

October 29th, 2007How to choose the right school or College in Abroad?

Board exams are over — the golden period of school days comes to a sudden end. It’s the time to understand a term so carelessly used before — career.

It’s the toughest part of life, trying to figure out where to begin from. Unluckily, in India careers are mostly decided by parents; students rarely get a chance to decide what they want.

It’s a good idea to match your career options with your skills and favorite. Take your time and learn about the likely options and how to achieve them.

Your career actually begins with choosing a college. It is a big decision. The key is to remember that there’s no such thing as a “perfect” college. You will require to find out the list of colleges and universities that match your preferences.

And one of the biggest issues is one increasingly facing Indian students. Should you sit for a competitive exam and qualify for a renowned college in India or should you go abroad? There are loads of confusing questions associated with this problem, so let’s get started.

Discover College

Discover your interests and take the time to find the college that’s right for you. It’s always better to do a bit of research before you go to any consultant. It makes his or her life easy too. Once you have discovered the options, start deleting those names that you don’t find useful or promising. Find the college courses most interesting for you.

Make a decision the place you want to study?

Once you have discovered the universities based on your choice of course, a big task still remains. You need to decide which country you want to go and why. Is it the glory called United States or is it the United Kingdom? Or the lovely country called Australia? You need to do a SWOT analysis [Strength, Weakness, Opportunity & Threat] which will help you to decrease your list even further.

A useful look at these few things may make you feel much more relaxed:

(1) Which Courses do you want to study?

(2)Does it match with your desired career option?

(3) How are the lecturers/professors?

(4)How is the Alumni Relationship?

(5)Are there any job/placement opportunities

Financial plan

It is good to have goal. Keep in mind your budget, too. A lot of parents look for a bank loan or scholarships — I’ll come to that later — as a means to fund his/her son/daughter’s higher academic needs. Please keep this in mind: bank loans are not gifts but a responsibility to be repaid back. One needs to be practical to decide on the country and the course based on his/her financial standing.

Bank Loans

A number of nationalized banks suggest Educational loans for students aspiring to go overseas. It needs to be remembered: banks only provide a loan once they are sure of its repayment.

Scholarships

A word of wisdom — never ever depend on a scholarship for overseas Study. The reality is not every one gets it though every one wishes to get it. It depends greatly on your university and partly on your merit. . Our suggestion is: if you get it, good, but never depend on it.

Misconception

We receive at least 40-50 enquiries every day asking us to arrange for a scholarship or a bank loan. It needs to be clarified that no consultant can organize for a scholarship directly. They can assist or guide you to get one. The same is true with a bank loan.

A consulting company can refer your request for a loan to a bank but it is completely the judgment of the bank whether you are eligible for a loan or not. I have personally received enquiries like this: “Please tell me which University offers a loan for students?” I want to drive home this point straight away “No University offers loans to foreign students.” There are grants/bursaries for students of the home country.

October 29th, 2007Health ; Safety Tips for Abroad Students

Health and safety are two major concerns in a study trip to the overseas country for all study-abroad students. Safety measures for both student’s health and wealth are essential for a peaceful ’study-stay’ in the country abroad.

Common advice for health:

Staying healthy is important while you are away from homeland. Here are a few tips that can help you to maintain your health abroad:

1 Students who are under medication can consult their Doctor before departure and are advised to take enough medicines to last through the initial stages of staying abroad.

2 The required vaccinations should be taken in time before leaving for the destination country. Life is unpredictable and taking precautions can help us to minimize our misfortunes.

3 Good food and lifestyle can keep students safe from many common infections and ailments, so they are advised to develop good eating habits

4 Health does not signify ‘physical health’ only but ‘mental health’ too. Therefore students must learn how to take care of their mental health and not worry too much.

5 They can decrease their stress by sharing all the issues in their lives with friends and family members (through mails or telephone), which will help them to be calm and more poised and de-stress themselves occasionally.

Advice for common safety:

Ensuring safety both ‘at home’ and ‘out of home’ is important. Here are some helpful tips that will help you to be ’safe’ in a study abroad trip:

1 Check for the identification details when repairmen enter your home.

2 As soon as you arrive in your new home, you should make a list of doors and windows and mentally chart out a set of escape routes in case of fire or other emergency situations.

3 Make sure you lock your home whenever you leave

4 Better avail the public transport system in the foreign country.

5 Avoid allowing the strangers inside your home.

6 Whether you are going to travel by car or train or any other mode of transportation facility in the new country, always keep your student identification details with you.

7 Try to travel ‘light’. Loss of a heavy baggage may result in loss of more possessions that could have been safe at home.

October 25th, 2007Want to Living In Abroad

Introduction

Choosing a study overseas program that is the “right fit” for you is the best way to get your personal and academic goals for study abroad, as well as assist you with your long-range career plans. Therefore, it is important to plan carefully. However, when selecting the program, you are likely to get the most from involved careful planning. Hundreds of opportunities exist, more than ever before. They differ in location, duration, curriculum, degree of cultural immersion, verbal communication, cost, and many, many other ways. Because there is so much to consider, it’s smart to begin planning a full year before you want to depart. In some cases colleges and universities expect you to declare your intent to study overseas a full year in advance.

Start by realistically assessing your academic and personal preparation and objectives:

* What do you want or need to study?

* Do you need to earn credit while abroad, or would a work abroad program not for credit be possible?

* Are you fluent enough in a foreign language to take classes in it, or will it be necessary for you to take some or all of your coursework in English?

* How much time can you afford to spend abroad, in terms of academic time and economic resources?

* Where do you want to go? Why?

* How structured or open of a program are you looking for?

* Do you want to live in a dorm with other Americans, stay with a local family, or have some other housing option?

* How much money can you spend on tuition and fees? On housing and food? On international transportation?

* Will you need to apply for financial aid? Is it available?

This section provides information that will help you answer these questions.

Getting the most from any study abroad program requires open-mindedness, flexibility, dedication, independence, and above all, a spirit of adventure. Some programs, however, require more of these characteristics than others. Also keep in mind your adventure quotient when considering programs. Challenge yourself, but be realistic.

Housing Options

Your living situation will have a significant collision on your study abroad experience. Housing can be as grand as a manor house, as rugged as a tent in a rain forest, or as standard-issue as a university residence hall.

Many study abroad programs provide student housing. Some arrange home-stays, in which you live with a local family. Others provide housing in dormitories or apartments, where your roommates could be students from the host country, from other foreign countries, or from the United States. For short-term programs or those that require extensive travel, students may be housed in hotels, pensions, or student hostels.

Some programs offer a choice of housing arrangements. In most cases, however, the choices are few, as student housing is difficult to find almost everywhere. Dormitory space is often so limited that many foreign universities have strict quotas for the number of rooms allotted to international students.

Be sure to find out whether programs you are interested in arrange housing for participants; not all do. If it’s up to you to find your own housing, ask if the sponsoring institution will assist you. Request an estimate of costs for accommodations, food, travel and necessary living expenses.

Living in Dorms or Apartments. Most students live in dorms or apartments while studying abroad. Some single rooms may be available, but two or more students to a dorm or apartment are more common. Depending on the program you select, you may have a choice of the population of students you room with.

Living with other US students. Surrounded by experiences that are new, some US students are most comfortable living with students from their own country. However, if cultural immersion, cross-cultural learning, and/or an intensive experience of the host culture are high on your list of goals, you may wish to live with students from the host country.

Living with students from the host country or other foreign countries. You may opt for this if you consider your living situation to be part of your overseas learning experience. If you want to live with local students, be aware that, in some countries, local students live in dorms only for their first year, then move to apartments.

Many universities abroad put all foreign students - including those from the US - in a special dorm for foreigners. While, you are unlikely to meet host country students in these dorms, you will be surrounded by other students sharing the experience of being new to a country.

Homestays. Homestays usually provide the greatest immersion in the host language and culture, giving you the opportunity to experience how local people really live. This is especially true if you live with a family that treats you like one of the family, getting to know you and offering help if you need it.

In some cases, however, the host is simply someone with an extra room to rent out, and your relationship is strictly that of landlord/tenant, with little or no social interaction. In many cases, you will not know the name or address of your home-stay until you arrive at the program. This is a major difference between college-level study abroad programs and high school exchanges.

Smoking is far more common - and accepted - abroad than in the US. If a nonsmoking environment is important to you, find out if anyone smokes in home-stays you are considering, or ask for a nonsmoking roommate in dorms and apartments. But be prepared to learn to live in an environment where people smoke.

If you are a vegetarian or vegan, or if you have other special dietary needs, check to see if these can be accommodated. Vegetarian menus are not common outside of the United States, especially in Europe. If you are living with a host family, it may be perceived as rude for you to refuse the meals they serve.

In many cases, it may be a hardship for the family to provide separate meals for you. Please be clear about your needs before the program places you in a home-stay situation as it may not always be possible to accommodate your special requests. And be prepared to compromise with regard to your dietary choices. Remember, you are the guest. You may also have to bear the extra costs of special meals yourself.

Housing information

Get as much information as possible about housing. This can help you decide whether a program is for you, or at least prepare you for what to expect.

For programs in any country, ask:

* What kind of furnishings does a dorm or apartment have?

* Is there a desk or table for you to work at?

* Is the kitchen equipped with cooking utensils?

* Does a dorm provide sheets, blankets, pillows etc.?

* If not, Is there a service available to rent linens?

* Are there laundry facilities?

* If so, are these automatic washers or laundry tubs?

* Is there a limit on how often you can use them?

* What is the cost?

* Will you have access to a phone in your residence?

If you’re planning to study in a developing country, ask your program representative:

* Is there drinking water available?

* Is there hot water for showers?

* Is electricity always available?

Last, remember to verify all housing arrangements well in front of your departure.

Enrollment Options

About 72% of US undergraduates who end up studying abroad enroll in a study abroad program specially organized for students like them. The sponsor may be a US college or university (the student’s own, another, or a consortium) with which it has reached an agreement. Or the sponsor could be a domestic organization other than a college or university, or an overseas university or organization, often as part of its program for other international students. However, depending on your own institution’s policies with regard to transfer credit from other domestic or overseas institutions, a host of other options may exist for you. The below list moves from options centered in your own institution to options more centered in overseas institutions.

Enroll in a Program Designed and Overseen by US Colleges or Universities for American Students. The most popular choices of study abroad programs include those sponsored by a student’s own institution, by another US college or university, or by a consortium, or group, of US colleges or universities. Such arrangements make possible hundreds of academic year, semester, quarter, and vacation study program opportunities.

Programs sponsored by US colleges allow students to study in a foreign environment while remaining within an US academic framework. Even if the actual course work is taken at a foreign university, academic credit is arranged through the sponsoring US institution. In many cases, special courses in the language and culture of the host country are offered, and the language requirements may be relaxed. The sponsoring college usually also makes housing and round-trip travel arrangements for students, and may arrange cultural excursions.

Programs offered by US institutions basically fall into two main categories, though many variations exist within each:

* The “island” program: All courses are arranged for a group of US students and taught by home campus faculty members familiar with the host culture or by foreign faculty hired by the US school. Costs be often about the same as study on the home campus, and financial aid that you receive from your institution or from the government can typically be used. Some of these programs offer intensive language study for language majors. Generally, though, these program are taught in English, except for foreign language classes, which are taught in the language studied. This is a good option for students who don’t speak the local language. It may also exist a good choice if this will be your first time overseas. Be aware, however, that no overseas program can provide academic and social services identical to what you are accustomed to at home.

* Hybrid programs: Study in a foreign institution, combined with courses arranged for the group by the sponsor US institution: These programs generally require some knowledge of the host country language. Nonetheless, special university courses for US or other foreign students usually have less demanding language requirements than regular university courses. And some programs offer a choice of foreign institutions, depending on the level of the student’s language skills. One benefit of this type of program is that it lets you study at a foreign institution while meeting requirements for your US degree. Many of these programs also offer academic support services similar to those found on a US campus.

Enroll in A Program Sponsored by an Organization additional than a US College or University. Some not-for-profit and for-profit organizations in the US and overseas also sponsor study abroad programs. Of these, some have agreements with colleges and universities allowing students to be registered on their home campuses. Others indicate that academic credit is obtainable or transferable, but students must arrange or verify the credit themselves. If you are considering one of these programs, be sure to investigate your school’s credit transfer policy, as well as the policy of the program you are considering.

Enroll in a Program for International Students at a Foreign University. Some universities abroad offer language and culture programs to foreigners. These enable US students (considered ‘international students’ while overseas) to interact with students from several other countries. Some programs sponsored by foreign universities are especially designed to meet the needs of English-speaking students, with courses offered in English as well as the host country language. In addition, in the 1990s, as academic mobility and exchange in Europe increased, a number of English-language programs were designed for students from other countries. Some of these are available to US students as well.

If you want to enroll in this kind of program, be sure to discuss credit transfer with your advisor. In some cases, foreign schools arrange to transfer credit through an accredited US college. But credit doesn’t transfer automatically from foreign universities, and in some cases is not transferable.

Enroll in A Foreign University Via a US College or University. It is also possible to enroll in foreign universities directly by applying through US programs set-up for this purpose - e.g., Arcadia University’s Center for Study Abroad or Butler University’s Institute for Study Abroad. This intermediation can solve the credit transfer problem, as the overseas course work is placed on an American college transcript. Such a process can increase overall costs, but, in return, may also provide orientation, accommodations, excursions, and on-site support services not otherwise available to occasional or special students.

Enroll Directly in a Foreign University As a ‘Special’ Student. Many universities around the world are open to students from other countries who qualify for admission as ’special’ or occasional students. This is similar to taking regular classes in the United States as a non-admitted or part-time student. Credit does not transfer automatically from foreign universities and in some cases is not transferable. Taking classes taught by foreign teachers, alongside student starting the host country, can be very exciting and challenging. But it requires an extra measure of enterprise and resourcefulness on your part, since it’s up to you to make the arrangements and does the course work without support services from an US institution. You also must be fluent in the language of training to consider this option. And there can be difficulty with credit transfer as well with the transferability of your US financial assistance.

In many foreign countries, students can receive a secondary school education that is more advanced and intensive than what US high school’s or preparatory academies offer, with students graduating at the age of 19 or older, then sometimes waiting another year or so before beginning their university education. These students may have the same academic preparation as an American student who has completed two or more years of college. For this reason, even distant universities that accept American undergraduates into degree programs may do so only after they have completed their sophomore year.

If you are interested in this option, addresses of most overseas institutions can be found in World of Learning or the International Handbook of Universities, reference directories on higher education worldwide that can be found in many US college and university libraries. To ensure a response, enclose an International Reply coupon (available from any Post Office) with your inquiry. An easier way to find out whether you should even consider apply for admission to an overseas institution is to do a Web-search and pursue your interest through foreign university Web pages. Again, your study abroad advisor may also provide guidance.

Other Study Abroad Opportunities. There are yet additional options for acquiring overseas education. You can:

* Attend a branch campus of a US college or international university abroad.

* Set up an Independent project to be carried out overseas. Some, but certainly not all, US colleges and universities offer independent study arrangements in which qualified students carry out pre-approved research or in-depth study projects in a selected field or on a special topic. It is your responsibility to complete the study or conduct the research, typically evaluated by a faculty advisor when you return home.


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