How to Write a Summary

A summary condenses the author’s main purpose and support so that someone else gets the information as it was intended and you avoid sounding as if you’re making it up. You will need a text a pen and paper analytical skills organizational skills and a friend – optional, who, what, why, when, where and how questions.

Step 1 – Scan the text and make notes on paper read closely to absorb the author’s tone and central ideas and then comb back through to clarify points.

Step 2 – Outline the main idea of each section in your own words include only meaningful details and proofs, organizing them from most to least important.

Step 3 – Develop a thesis summarizing the main points of the piece be sure to include the author’s name and the title of the work right away avoid using your own opinions or interpretations no matter how familiar the subject may be.

Step 4 – Arrange the information to clearly support the author’s points adding details to each section improve the flow of ideas with transitions that connect sections.

Step 5 – Be sure that sources are cited properly paraphrase and don’t use the author’s words if you can help it make sure you haven’t wandered off topic ask who what why when where and how questions to be sure you have represented the author’s work faithfully.

Step 6 – Correct your grammar punctuation and spelling dignify your work and that of your subjects with the care good scholarship demands.

Step 7 – Ask a hypercritical friend to read your work be receptive and not oversensitive if they can’t identify your main points you need to revise did you know more than half of students say that their schoolwork requires daily writing you.

Studying for a degree abroad: Student World

This is the talk about general information about studying abroad, just making sure that you’re all at the right talk. ‘Where in the world do you want to study?’ is kind of our motto and where we’re coming from and what we’re doing.

The Student World is aiming to be an institution that kind of like your first stop to go to if you want to find out more about studying abroad. Is it right for me, or not? What are the things to keep in mind, where can you find out more information about specific information?

My name is Anna, I’ve done it myself, I studied in three different countries, I studied in Germany, the UK, and the US, so I can tell you a bit more about that, and I do hope that you can all gain some information about the who, the why, the where, and the how to go about studying abroad with me.

Who goes to study abroad? About 4.1 million students have decided to leave their home county and go to another country to get a degree. Whether it’s a bachelor, a masters, or a PhD degree. I don’t have a number directly from Jersey, I only have number from the UK and in the UK it’s about 23,000 students
that decided to do that.

That’s not even 1% of all the students from around the world that have decided to leave their home country from the UK going out. So we are hoping that more and more students are doing that. I think in Jersey there’s already a bit of a higher percentage if you’re looking at it. If you compare that number to the overall number of students internationally coming to study in the UK, that’s about 10 times that.

There’s about 10 times more students coming into the country than going, and that’s quite common for English language countries, so Australia, there’s about 13% even, and the US is similar to that. So it’s quite normal, but we do think that there’s potential to increase that number quite drastically.

Why do students study abroad? We think there are three reasons. There are differences on a personal level that they’re seeking, there are different academic programs, and different financial elements to it as well. I do think it’s really important to keep it in that order, if it’s not right for you on a personal level, it doesn’t matter that it might be a cheaper option to study somewhere

If the program isn’t right for what you want to do, because your career doesn’t
really need an international experience, then again that doesn’t really make a point. So it isn’t for everybody. So, on a personal level I could talk aboutthat for about an hour, but I don’t have that much time. Simply because to me it was definitely an experience of a lifetime to have gained that international experience and studied abroad.

For most students, when they looked at it, some of the reasons are just gaining a different kind of experience, being in a different kind of environment, maybe adding a language skill if you have already learned a language, you want to add that or perfect that might be an option. Going into different cultures, immersing yourself into something that is different from what you’ve been doing.

Maybe different kind of foods with that I always like to point out if there are any parents here and your sons or daughters are thinking about studying abroad, there’s nothing better than a care package with their favourite sweets and food coming from home. That’s something to keep in mind, there will always be something that you really desperately miss.

And then the same when you’re coming back, missing whatever you had in the other country will be quite common. Different kind of environment. You already live on a beautiful island so maybe you don’t necessarily want to go somewhere else, but you could be studying somewhere where it’s about 40 degrees all year round, or where you’ve got the mountains to go skiing.

There are different kinds of settings where you could be. You could be in a major capital city, or in a small village. Those are all different options that you could be. And last but not least, to me friends were quite an important factor It was an important factor when I was thought about going away. Will I be okay with missing my friends from home? Will I still be in touch with them, and I could say yes definitely I’m still in touch with them, but what was actually much more important in my life now looking back were the friends that I made whilst studying abroad. Because I ended up meeting students from so many different other countries that were all going through the same process of being in a different country and learning a new environment, maybe even learning a new language for many of them, and that kind of was a binding moment.

Now, I have friends from about 60 different countries, and if I look through my Facebook list it’s probably a bit more than that even that have all a really close connection to me. And I’ve noticed that this year particularly when the demonstrations were happening in Istanbul, I actually found out about those demonstrations through my friends Facebook feed, posting about it, and two hours later checked on the news to find out what was going on and there it was.

The world has become quite a bit different for me, through my international
experiences and through the people that I met along the way. Some questions to ask yourself, and there are many more, but are you the person who can adapt easily to a new environment? Are you curious? Are you open to new ideas? If you are very set with one idea, those set mindsets will be questioned by meeting those different people. Are you okay with making new friends? How happy are you with being away from your friends and family? How far away do you want to be? Do you have that maturity and independence that it takes to go into a place completely by yourself sometimes? Do you speak another language? If you don’t speak it, do you at least understand it? If you don’t understand it, can you speak with your hands and feet to make yourself understood? Can you live without your favourite food?

Just some ideas, but there’s so many more questions that you need to ask yourself to find out whether it’s right or not for you to study abroad. On an academic level, some of the things to keep in mind are that you might find programs that you can find here or in the UK are also offered abroad and offered in English many cases. Sometimes they might have a very different title to what you would be looking for in the UK, or the same title might have very different content. So that’s something to look out for.

Different university systems there are different settings, you might find really big universities or small universities, you might find some universities are requiring internships or periods throughout the year where you actually have to work in a company.

There are different lengths of programs, you will find that a lot of programs offer four year bachelors rather than three year bachelors, two year rather than one year masters. So again that’s something to look at. Different teaching and evaluation styles, there are some countries where the teaching is not so
much about the contact that you have from the professor, there’s others where actually that teacher-student contact is very highly valued. You might have institutions, for example in Germany, where the old system is still quite so much that you have a professor talking to you and about 800 other students, and you’re taking notes and there’s one exam at the end and that’s what it’s all based on. Whereas you have other institutions where there is a lot of hands on experience, you will be tested continuously on how you’re doing and
how you’re keeping up.

Again asking the questions ‘How will I be taught?’, ‘How much teacher contact will I have?’, ‘How will I be evaluated?’, ‘How will I be tested?’ are things to keep in mind. Accreditation is another important point. The majority of universities are accredited which means that they have a stamp of approval that means that the degree that you get from that institution is valid all around the world pretty much, and that that degree can also be taken onto the next level, so if you’re doing a bachelor degree that will be accepted by most other universities to then study a masters there.

There are however some black sheep out there that do not have that so it is good to double check that, specifically with private institutions and specifically with private universities that offer you the sun, the moon, and stars. There might be some dodgy things about that. Employability. There are many factors that make studying abroad quite interesting. If you’re looking for a career with an international touch then having that international experience is a big plus. But even if you’re looking for careers where it’s not necessarily a needed element, it can bring you that extra edge. It can also open new job markets, you don’t necessarily have to come back to work here, you could be going to the country you studied in and stay there, or onto yet another place.

Those are things to keep in mind as well. Admissions process. That again is something that varies quite drastically from country to country, and sometimes from institution to institution, and sometimes even from program to program. The main points to keep in mind is that it varies and you need to ask ‘What actually do I need to apply?’, ‘When are the deadlines?’, ‘Is it just my grades or are they looking for extra curricular activities that I need to prove?’, ‘Are there extra tests that I need to take?’, ‘Are there interviews that I need to consider?’, those are the main points to keep in mind when looking at the admissions process.

Those are the kind of main points on an academic level. So again, ask yourself what kind of career are you aiming for. There are some careers where it might be a bit more complicated, there’s somebody here that helps with studying medicine abroad for example. You can do that abroad but it might mean that
you have to jump through a couple of hoops when coming back, same for law or teaching or nursing, those are the kind of degrees where often the government has a huge influence.

Again – ‘Does it make sense to have that international experience for the career that I’m aiming at? Do I want to improve a language? How do I learn? How am I taught best? Do I like small groups or big groups? Do I need support? What kind of setting do I want to be in? A major capital? Somewhere in the middle of a cornfield in the US? A sporty college? A political college?’ The same as you have here, they all have their own identity. Again, finding what you’re truly looking for in a university will help you answer finding that right place. Are you happy to do a fourth year, that is often a requirement.

‘Do you want to gain practical experience- is that offered within the institution that you’re looking at? How important are rankings and networking opportunities?’ There are world ranking universities, if you’re looking in the top 100, yes the UK is quite often on the top there, but there is another 95 institutions around the world that might be even better for the particular program that you’re looking at as well.

Financially, now that’s the big one. I normally get ‘I heard it’s completely free to study abroad’, or ‘It costs too much I can’t do it’. Those are the two extremes I get. There is a bit of truth involved in both of them. You will find countries where there is no tuition whatsoever, Scandinavia, Norway, Sweden, Finland, Denmark, do not charge tuition in you have an EU passport. However the living
expenses are really an important factor for those countries and they tend to be quite expensive to live, to go out, to move around.

All those factors need to be considered when studying abroad. Then there are other countries where then the costs increase, other continental European countries, the Netherlands is about €1,500 for example, Germany is around €800, France depends on which institution you’re looking at, and then it gets more expensive going into Asia, it’s a bit more expensive there. And then it grows exponentially to Canada, the US, Australia, and New Zealand, in order of how much it will cost.

The US, however, has a very good support system for international students and scholarships and financial support. Australia not so much, but you’ve got two great examples that can help you with finding out more about that and ask more questions about that as well. As well as for Canada some support there. So what are the main support systems? You will find that a lot of universities have their own student loans and their own scholarships.

There is also some governmental support that you can get, either from Jersey directly or from the country that you’re going into, the Netherlands for example, offers, if you have a EU passport, the same student loan system that they give to Dutch students. So that’s something to keep in mind. Grants is basically money that is often project based, or financial needs based. So that’s something that you can apply for, but it might only cover a small percentage or only one particular project of your degree. Scholarships are set often directly from the universities. If they don’t offer scholarships, or if they know of additional scholarships, they are also the number one source to find out more about general scholarships opportunities. Scholarships can be based on just purely academic, to that ‘one Jersey student applying this year wanting to study Engineering at an institution that also offers sports that he’s really good at’. It can be as specific as that. And then working as a student, there are some places where it is quite easy and straight forward, obviously all over Europe you can work whilst studying.

When you’re looking at the U.S. it is possible but there might be restrictions to only working on the campus for example. So asking with your visa, if you needed one, what are the allowances and how much you can work, And also If you don’t speak the language, how easily can you find a job? What kind of job will it be, probably not serving in a restaurant but washing the dishes. Are you happy to do that?

Some of the questions you need to ask yourself. Can you or your family
fund yourself? We normally advise people to have at least the money for the first year, so that you know that you can fall back onto that if needed. And do you qualify for scholarships? Do you have a different citizenship status and therefore qualify for additional or less support, or different kinds of tuition fees that you need to pay? Do you want to work to support your studies? Are you allowed to work? What kind of jobs? Really get an overview of all the costs, not just tuition but also living expenses and all of those extra elements.

Health insurance is another often quite important cost factor to keep in mind. So where do students go? This is the top 10 destinations from those 4.1 million students. So the U.K. is quite popular, and you will find that most of the English Language countries are there, but even countries like Germany, Russia, and Japan, are also popular destinations for them. Again, I don’t have a Jersey specific map from the UK. The darker the map gets, it’s not really a good map but, the more students have gone to. So again you see that the majority of students will go to in particular US, Canada, Australia, continental Europe, but also Russia, Middle East, and Brazil are more and more popular destinations for students to go to.

I’ve got some examples of where you could be going to. The US is often a very popular destination. There’s over 4,000 universities and colleges in the US. Just to give you a reference, there’s about 330 in the UK. So more than ten times more. So the choices and the options are manifold and so are the different options and how you go about it and how you go about applying. They have a more or less standardised system that most of them hold to, which often requires standardised tests, but it is something that can vary quite specifically.

The one thing to keep in mind with the US is in general their education system is quite broad in the first and the second year of a four year program, and then it starts specialising more and more as you go in. Not so much one subject, but more general education before specialising. If you know exactly what you want to do and you can’t be bothered to do any biology classes ever again, you might not want to go to the US because it might part of your curriculum.

In general four year programs at undergraduate, one year master programs. Afterwards, costs can vary drastically from institution to institution, the state universities tend to be cheaper than the private universities. The private universities however are the ones that often give more financial support for international students. The one thing to keep in mind is that the price tag in the US is never actually the amount of money that you will be paying at the end, that’s very rare.

There will always be financial support, scholarships, and other things that can reduce that cost quite drastically. To give you an idea, Harvard gives away about six scholarships each year that cover the full tuition, living expenses, and even flights home at Christmas. So you’re studying four years for free. That could be a potential in the US. Six, right, don’t go crazy.

Those are the things to keep in mind when you’re looking at the US. The number one resource for the US is the Fulbright Commission. They have a London office and they help with general support, how to apply, and how to look for the right institutions. There’s some really good content on their website, so it’s worth having a look at if you’re looking for the US. Canada I’m not going into too much detail because we’ve got the expert out there, High Commission Canada, who can tell you much more about it. Again, quite a range of universities. The differences between the big universities and then the colleges, which often have the more applied programs. Obviously you can also do some French courses if you go into the Quebec area. Quite a safe environment.

You can also once you graduate there, live and work in Canada for several years. In the US you need to actually have a contract written and have a sponsor from an employer for you to stay after you graduated there. Canada allows that afterwards as well. And they cost a bit less than the US, and there is some funding there again. Canada International, well that’s basically her website from Alison out there from the High Commission can help you with much more information on that.

And going into Europe is just some general information. I always think is an interesting aspect, I do this presentation a lot in the UK which is why this pops up here. It costs much less to study in Ireland if you have a British Passport, you’re looking at around €2,000 fees there, that’s about £1,600, and similar living expenses, similar lifestyle, similar programs offered, similar level of education. There’s some really good institutions in Ireland as well so it’s definitely worth having a look at if you’re looking for a cheaper option.

The Netherlands is a very popular destination also. The Netherlands has around 1,500 programs offered in the English language, so that’s why more and more international students are flocking to the Netherlands. They have 14 big research universities, some of which also have what is called a university college, which is an international program running independently from the university, but is part of the university, that often has the more international focused programs. And then it has 35+ universities of applied sciences, which again also offer English taught programs.

You can also after that get a masters degree, but you wouldn’t be able to get a PhD at those kind of institutions. So that’s the difference there. Most of them are three year programs, some of them are four year programs, often those are the ones that require an internship as part of the degree. Living expenses depends on which city you go into. Between €800 to €1,100 a month. Tuition fees however are the same no matter where you go.

You’re looking at around €1,500 per year. However if you don’t have a British passport or EU passport that can go up to €6,000, so that’s something to keep in mind, if you don’t fall into that element. So generally speaking they say as an EU student you’re paying overall per year around €9,000 to cover all of your costs per year. So the Netherlands is definitely a cheaper option with quite a variety of programs available. Middle East just as an idea, many of the programs are actually taught in Arabic or French, but you will find there is actually quite a number of universities offering campuses in the Middle East. So you find for example Nottingham Trent have a campus out there.

New York University has a campus in Qatar. So more and more institutions
have a campus out there that offers programs in English, so it might be worth having a look at those kind of options for a completely different lifestyle as well. Cost can vary completely, it can be more expensive than the home based campus, it can be cheaper than the home based campus. Living expenses again vary with Beirut being cheaper than Dubai obviously. So worth having a look at as well.

And then going into China. Often a cheaper option, you’re looking at around £1,300- £1,500 tuition. There’s not that many English taught programs out there yet, most of them will prepare you to learn one of the Asian languages or looking into international relations or business, those are kind of like more popular programs offered in English. Completely different lifestyle, completely different setting. So for the brave ones out there those are some good options. And living expenses can also be generally cheaper than over here as well. And then last but not least, New Zealand, EAustralia. Again we’ve got the experts out there so I’m just going to point you over to Study Options for some more in depth information. Generally speaking 3-4 year programs.

Just general advice, Australia has more of the universities, more of the research kind of focus, whereas New Zealand tends to have more colleges and applied programs there. So that’s just general advice, but you will find both at either place. Generally speaking you don’t have that much financial support when going to Australia, so that is something to keep in mind and find out more about.

Study Options out there is a great resource for that. So again, some questions. How far do you want To go? How far also from access to home and time differences? You can go all the way to South Africa and only have an hour difference, or all the way to Australia and have to wait until late so that your mum wakes up. Things to keep in mind. What climate do you want to be in? What culture do you feel happy in? What are the general expenses that you need to consider for that country? What is the political, economical, and religious situation? Would you be happy to be in a country where they do call for prayer a couple of times a day? Do you qualify?

There might be restrictions for certain student visas to keep in mind. And also for certain degrees there are certain things you can’t do. For example, studying to become a teacher in Germany, you just don’t want to do it. So that’s just to give you an idea. I’m not going to go into the details but you don’t want to do it. So some of the things to keep in mind for that as well. So basically, how do you go about it? You have to do your research. Find out more, ask a lot of questions and don’t take things for granted, don’t assume that it might be just the same as it is here. Figure out where to apply, narrow it down, asking friends and family, using social media if you can’t go, if you can go, go and visit the campuses, there is nothing better than doing that. It’s worth spending a couple of hundred pound to visit a campus and then find out that you hate it rather than spending four years at a campus that you’re absolutely not liking.

Apply again, figure out early, we advise students about 18 months before they end their schooling to look into when are the deadlines, what is required, what are the things I need to keep in mind? And then also is there a visa process that I need to keep in mind, so again, those points are important to keep in mind for the application process. Then preparing yourself, figuring out how to open a bank account, how to cover health insurance, where will you be living, does the university provide support on all those different kind of things so am I on my own and where do I find that information? And then the actual moving process,
getting your stuff to wherever it needs to be, and then last and not least enjoy your time as a student hopefully. So that’s basically the process you have at any university, but it just needs a bit more in depth steps to it. And if you want to do much more research and find out more, the institution that I work for, which is called The Student World, host three fairs next spring, they’re going to be in London, Leeds and in Dublin.

Finding Study Abroad Loans

I’m Brianna Davis and I’m here with international student loan. We’re going to talk about study abroad loans. Now, often if you’ve watched our Hangouts in the past, usually we do talk directly to international students. Non-US citizens coming to the US, but today we’re going to mix that up a bit. We’re going to talk directly to US citizens who are going to be studying abroad. More than likely you are enrolled in your US school and are going to be spending a semester or a year abroad. If you are not a study abroad student, that’s fine. Don’t feel like you have to go anywhere.

Study abroad loans, you might be worried that. Since you’re studying abroad, you don’t have any options whenever it comes to loans. It’s because they’ll be outside the US but that’s really not the case. You actually have two different options. You have federal loans which is to the government and then you have private loans which is through a separate entities, such as a bank. We’re going to talk about both of those options.

We touch briefly on federal and then dive more into private loans because an international student loan, we specialize in private loans. Let’s go ahead and start. We start with federal loans. I want to start by saying that if you have not ever completed the FAFSA. Or if you don’t even know what it is, you’re going to look into that. You most definitely want to complete the FAFSA and what it is. It’s the Free Application for Federal Student Aid. By completing it, it’s going to do what type of aid you have available to you. It’s going to tell you what types of loans you have available to you in your situation. But, it’s also going to tell you what types of scholarships or grants you might be eligible for.

We’re only going to be talking about loans, but the FAFSA just to throw that out there. It lets you know more than just loan, about scholarships as well. Complete that FAFSA and you’ll keep in mind the deadlines for that. The deadline is June 30th. There’s also going to be some state and school deadlines, so you’ll want to double check on what the state deadline is as well as what the school deadline is whenever you’re going to complete that FAFSA.

US citizens are able to complete the FAFSA. There might be a few stipulations you want to keep in mind, such as having a social security number and then as well as qualifying non-US citizens. You might be wondering what exactly is a qualifying non-US citizen. If you go down to, if you go to, you’ll be able to find out more information. If you’re a qualifying non-US citizen or not and then you’ll also be able to check out those other few stipulations that US citizens might have.

You can get more information there at that site on the federal the federal regulations. There’s a few different types of federal loans available that you might be eligible for. I’m going to briefly cover what those are. That way you can know what you might be able to receive.

The first one is the direct subsidized loan. For this one, it’s only available to undergraduate students and you have to be able to show financial need. The next one, we have direct unsubsidized this one. There’s sort of a wider pool that’s available for this loan. You can be a graduate student an undergraduate student and then the great thing is you don’t have to show financial needs. Like I said, it opens the pool to a wider variety of people.

Next, we have the PLUS loan. If your parents have been so generous to say that they want to help you out with funding your education, this is more than likely going to be the loan that they utilize the PLUS loan. Then next, we have the Perkins. It’s going to be a little bit narrower pool you have to be able to show high financial need in order to receive the Perkins loan. Those are just a few different types that you will want to be aware of.

The next, looking at benefits. There’s a lot of benefits to being able to receive a federal loan. Before you even look at private loans, you will see what federal loans you have available to you. Let’s look at some of the benefits.

First of all, you’re going to be able to get a low fixed rate which is great because that means less you have to pay back later on. Also, it’s going to be income based repayment more often than not and so what you have to repay can be parallel to what your actual income is. It’s a little bit more flexible when it comes to that. Then cancellation options, you might be really excited about I’m knowing. There are cancellation options with federal loans but it’s only going to be in a few instances. Such as if you have been in a teacher in a low-income area for so many years or if you’ve done special service positions things like that, there are special instances not everyone has a cancellation option.

Unfortunately, it is an option for some and then deferment options, if you aren’t able to find a job quickly after you graduate, things like that. It’s a temporary postponement of paying back that loan. In some instances that pending on the loan the US government may actually pay the interest for you. It’s a pretty great option. First, before you check out private, you’ll want to check out federal loans. Once again, you can do that by going to this site.

Let’s go ahead and look at private loans because sometimes as we all know family help and personal savings and even federal loans. It’s just not enough, so you have to find something else and that’s why private loans come. They’re great for filling in the rest of the gap, so the rest of the aid that you need to find to pay for your education. One of the great things about private loans is there’s not going to be a deadline. I’m sort of a rolling process. Keep in mind that it does, it can take up to two to six weeks for the initial approval. If you need your funds immediately tomorrow, that’s not going to happen. Even though, there’s not a deadline. It’s gonna take you know about two to six weeks for that initial approval. Keep that in mind, there’s not a deadline which is great.

We’re just talking about study abroad loans, so US citizens or residents who are studying at an eligible school. Keep in mind that’s for study abroad and loans and we also with international student loan. There’s an option for international students, some non-US citizens. To see what loans are available to you as well but for the sake of study abroad loans, you have to be a US citizen, a resident studying at an eligible school and you actually do not need a US cosigner. if you’re a US citizen, why this might be great keep in mind that sometimes it’s still beneficial to have that US cosigner. They can help ensure that you actually get that loan and they can help ensure that you have the best interest rate possible. Just because he does, it doesn’t mean that you shouldn’t find one.

Then, a few of the benefits as we’ve already discussed know, there’s the rolling deadline. Sometimes, you just need more as we touched upon. Sometimes, you don’t have the aid that you need with your personal funds and with the federal funds. Private loans are a great way to give you that extra aid that you need and then also perhaps you’ve missed the FAFSA deadline, perhaps you just don’t want to bother with it at all.

Doing the private loan is going to be a good option if you go to international student, you can read more on study abroad loans. Then, we have an easy loan tool finder, so you can see what lenders are available to you as a US citizen studying abroad. I recommend if you are wanting to utilize private loans. You’ll want to use that tool. It’s going to narrow down. Well, lenders will work with you in your situation so you can then go in and compare the different lenders. Read their terms and conditions and then find the best one for you.

Now, that you know a little bit about federal and private loans. Let’s get to some of your questions. Let’s answer Esther’s question: “Can I get a loan from the beginning of a new semester at a university in Australia?” It’s going to depend on the timeframe that you actually apply for the loan. Once again, how you do a private loan is going to take two to six weeks for the initial approval. For a university in Australia, if you’re studying abroad as a US citizen you know when you’re enrolled in an eligible school. That’s a definite possibility you want to go and see. You’ll have to be at an eligible school so you can go there and see if doing a private loan is actually a possibility for you, for your journey to Australia

Next, one of the procedures to get a loan in the USA, it appears that you are an international student so non-US citizen coming to the US and as I mentioned before we have lenders who work with non-US citizens who are studying inside the US. But to see what lenders are available to you, you would have to go and use the loan. Find your tool and you would have to answer just a few questions such as if you’re a US citizen, if you have a cosigner on your school, things of that nature and it’s going to give you a list of lenders that will work with you. As an international student at your school, not every lender will work with every school and they don’t always work with international students so that tool is a great way to narrow down what lenders will work for you if you want to go and complete that tool.

Let’s look at our next question: “Can I get a loan for a transfer?” It sounds like you might be attending one school and you’re going to be transferring to a different school. You’re wondering if you can still get a loan at the new school and it’s going to depend on your school if you have an eligible school or not also on your situation. So once again, if you are an international student, I recommends going on to the loan finder tool completing putting in the information and completing everything you need. Then you will see if your new school is an eligible school and if you have any lenders who are willing to work with you as an international student at that school.

Matthew: “What is the best loan?” To get at the lowest interest rates, make sure you can afford everything you need to study abroad and not eat ramen noodles the whole time. That is a great question from Matthew. You know of the ramen noodles are great. I can see how those can get pretty old after a while. Eating ramen noodles all the time is not fun and but really the answer is you’re gonna have to compare the different loans and see which lender can offer you the best rate. Your rate is going to vary not just by lender but also depend on if you know the credit that’s attached to the application. Perhaps of whether that’s yours or your co-signers that can the interest rate can vary depending on that.

Well, so you’re really gonna have to see what loan what lenders are available to you. Then compare what they’re able to offer you in order to see which one is the best because it’s not going to be the same for everybody. Once again, whether you are a US citizen going abroad or whether you are a non-US citizen coming to the US, you can use the loan finder tool. Then compare their terms to find the best one for you. You’re not stuck with eating ramen all year.

I went to study abroad but I still don’t know where between Australia, Canada, UK, Sweden, Germany, Finland – that’s a lot of choices. That’s good. I’m keeping up into your options. I just wanted to ask in the country that has a good education system where can I get a study abroad line without having a resident sponsor like in the US. Unfortunately, if you are not a US citizen then we actually would not have a loan program available for you. You will not be studying inside the US, so non-US citizens sitting outside the US may unfortunately do not have a loan program. We would only have one if you’re a non-US citizen studying inside the US or if you’re a US citizen going abroad. Either you know to be a study abroad student or directly enrolled, you might want to reconsider the US if you do need a loan, if not then you know any of those other places would be great. You might just want to consider perhaps a scholarship or something of that nature.


Stanford is one of the most competitive universities to get into but also I think a lot of people underestimate themselves and think well only super talented, super extraordinary students would get into Stanford. But really all that you need is a lot of preparation and maybe a little bit of luck. There are several programs in Stanford, you can do bachelors, you can do masters, you can do PhD.

For every program you need to pass a particular exam. If you’re getting into bachelors programs, you would need to pass SAT. If you’re getting into masters programs and PhD programs, you would need to pass either GMAT or GRE.

GMAT is for subjects that are related to economics. GRE is for everything else. If you’re international students, you would also need to pass TOEFL or IELTS to prove that your language skills are good enough. But, exams are only a tiny part of your application because you would also need to submit motivation letters which play 30% of your whole application. This is the only way for the admissions committee to see you as a person. Since when they just open your application, they see numbers, they see your exam results, they see your GPA which is your average grade at school. However to really know you as a person, to know what affected your choice of your subjects or what effect your decision to go to Stanford, they need to know you as a person and this is what motivation letter is. Please take it seriously.

Another thing you should remember that your GPA should be relatively high to apply to Stanford and your exams should be really good. If your GPA is low and you think you’re not competitive enough, but your exam score is good, then you have an advantage to explain why your GPA is low. It happens to many of us when we start studying somewhere and we realize that the subjects that we chosen don’t look for us. That’s okay, just explain that in your application.

There is also a recommendation letter part and I would say recommendation letters play around 10% role in your application and this means you should spend 10% of your preparation time on recommendation letters. This means you should really talk to your recommenders and tell them the questions that the universities are going to ask them. Really think of the stories that recommenders can tell about you. For example, if the question is discussing how candidate compares to others in the same area, then this should be really an example from your work life or from your student life. It’s not like at the recommendation letter shouldn’t be like – “Oh the student is amazing, he’s great for your program. I really recommend him.” This doesn’t make sense because Stanford receives hundreds of those motivation. Recommendation letters should tell that we had something you know, something happened in your class and you had to stay late like till 12 a.m. and you coped with that in your solved stressful situations.

Another part of your application is resume. It really depends on the program that you’re getting into but normally they would request a one-page resume which talks about your achievements your, career achievements. So, when you’re talking about your career, when you’re writing a resume, please make sure that if you worked as an analyst, don’t list what you had to do. Don’t list that you had to consult with clients always that you had to do Excel spreadsheet, instead tell about what makes you different in that position. Maybe, you were 5 times better at assessing new deals or maybe you signed 10 times more clients than an average manager or you got promoted two times faster in the bike lane. Quantify your successes and list them in your resume.

Another important thing to remember is that Stanford would consider your application regardless of your exam results so basically if you have a low SAT score, you would still be able to apply. But, you would need to pay an application fee and really make sure that you fit into the class. What you can do, you can go to the program that you’ve chosen to that website and see the average cost profile and see what’s the SAT or GRE or GMAT score. For students who got admitted and then compare yourself to those students and just think of the probability of you getting into Stanford.

For example, application for an MBA program costs $250 and this is not something you would know just randomly do, just randomly applied to Stanford. Make sure that a chance is up good. Also if you think that your score is low but you have something that really makes you stand out, for example if you want to get an MBA and you’re an entrepreneur and you had a startup and do you raise some money for it or maybe you had some successes, this makes you stand out.

Again, I’m gonna finish with what I’ve started. Please believe in yourself. I’ve met dozens of students from Stanford and they’re normal people that I wouldn’t say they’re average. They’re very interesting to communicate with but it’s not like they are aliens, it’s not like they’re from Mars. Basically they are the same people as us. They just worked a little harder, push a little harder, when they were preparing for their exams and they were starting at school.

How to get a Scholarship

What we do for most of our scholarships is we take a complete picture of the students so we look at their financial situation. We look at the results of their academics, whether or not they are involved in their community. It all depends on the scholarship essentially. So, depending on the criteria of the scholarship, that’s how we judge. So long as you fit those criteria then we look at everything involved in it.

Music The best thing to do to increase your chances of getting a scholarship is to essentially apply for everything available to you. Sometimes students think they won’t get it, and often it’s the case that we’ll have scholarships that we don’t get any applications for. So my advice for students to increase your odds of getting scholarships is to apply for everything, and not just apply for the awards that George Brown College offers, but to look at the external college awards too. Such as and The really reputable websites and search engines that locates scholarships across the country. Especially if a scholarship is looking for references, and they are looking for two references and you only provide one reference, you may not be considered for that scholarship.

If the scholarship is asking for references, and asking for a budget, make sure those things are done, because otherwise you won’t be considered. The most important part is really just completing the whole application. So If there are supplemental documents, you make sure those are included. The best thing to do is to tell a compelling story about yourself.

Present yourself in a way that’s going to be compelling to people who are reading it and don’t be afraid to sell yourself. My advice is to apply early and apply for everything that’s available to you. Don’t be afraid to sell yourself. This is your opportunity, and if you can get $500 for an hour’s work, that’s one of the best hourly wages you’re ever going to get in your life. So take some time, take some thought, and imagine you’re reviewing them before you write your statement. Imagine what it’s like to review your statement. So read over your statement and say, “What kind of impression that would make on me?”

IELTS Writing band 9 | Top 13 tips

We will be talking about the Writing module.

The first tip is to analyze and actually take some time to think and to take notes about what you will be writing. You know, the cost of rushing forward and thinking that you must start writing straight away, when were given the task. It is essential for you to stop and think, planning beforehand, because it requires you to be a professional journalist, to compose your thoughts instantly and to know what you will be writing in your essay. Let alone in English.

The second one is learn the structure of your essay beforehand and basically disregarding of the type of module that you’re dealing with whether it’s academic or general, it doesn’t matter. Because actually in the writing task chances are the most likely you will be dealing with four paragraphs, which means first – you introduce the topic, you give a brief overview, and then you divide your ideas into four paragraphs, and then just end it with a nice conclusion. Remember, the second task in writing is worth twice as much at the first task, and that is why you should really put some effort in the second task. But you also need to always start with Task 1, never skipping it, because the Task 1 is actually easier, and it helps you to get on track, so that Task 2 comes more smoothly.

Then, manage your time. Practice speed writing, and actually try to spend approximately 20 minutes on the first task and 40 minutes of the second task. Pay attention to the number of words you’re writing, because he will lose marks if you write less than 150 words in Task 1, and 250 words in Task 2. Also, don’t try to count word by word what you wrote unless you have plenty of time left, because it’s more efficient to count the number of words in your line and then to multiply it by the number of lines in your essay. But better, learn to recognize how do you 150 words and 250 words look like on the answer sheet in your handwriting, so that you won’t need to count them.

Next, do not copy anything from the task. I mean, of course, you can copy some words but never the whole sentence. This will lower your score significantly. And instead always paraphrase. However, do not try to paraphrase your ideas in the essay. I mean there are students who try to introduce one idea. A single one. But paraphrasing it differently into the two or even three paragraphs. Just do not do it. If you are introducing an idea make it final and then go to the next paragraph, talking about something else.

In order to score high in writing you will need to show your advanced skills of eloquent writing. And for this you must learn as many synonims as possible, because it will make your essay pleasant to read. Please take some time to actually learn synonyms because the more of them you use, the better score you will achieve.

Writing is the last module and probably you will be quite exhausted by them, craving and break. But do not fall for this trap, because minutes of postponing and delay can cost you valuable points. Instead, try to use some time when an examiner hands in the booklets and tasks to take a break and to meditate. Maybe, to clear your mind, to think about something that relaxes you, and just try to forget everything connected to the previous actions. It doesn’t any longer matter anything.

At any cost avoid contractions such as “don’t”, “won’t”, “doesn’t”, “can’t” and informal language. Instead, use formal language, pay attention to your grammar, punctuation and spelling. Because obviously if you’re making mistakes you’re losing points. And vice versa, you will gain some points if
you have sophisticated grammar incorporated.

And the last one, as always do not try to memorize any model answers, because the examiners are actually trained to recognize them, and you will lose your score. Also, you will lose marks if you write your ideas in bullet points, not in full.

Need Based Financial Aid and College Admission

I want to talk about need-based financial aid and how that might work at a place like Dickinson. If you want merit-based aid, you have to be in the top ten or to be precise top 13 percent of its applicant pool – to pull down some some merit-based aid. But if you’re looking for need-based aid if you come from a background that is going to bring some diversity to – Dickinson it’s very possible that you could pull down a very generous financial aid package.

To look at some of the statistics here at Dickinson it’s a pretty homogenous place. Only 3% of students here are African American and you know 10 to 12 percent of America is African American Hispanics only 6% and even Asian Americans are underrepresented. Here, 4 percent of the American population is Asian American only 3% of the Dickinson population is Asian American. So diversity is a very important goal here at Dickinson.

If you have a very high academic profile if you fall into that top ten to twenty five percent of the applicant pool here at Dickinson and you have a different background you come from maybe you’re a first generation student and you want to attend to small liberal arts college like this and have the kinds of facilities and kinds of opportunities that are generally available only to the to the very wealthy well they’re willing to pay. They’re willing to pay a very good price to get you to come to this campus.

It’s very important for the student of modest means to not close off the possibility of coming to a place like Dickinson. Now you need to understand that Dickinson is relatively homogenous it’s a pretty white place but if you are willing to put yourself in that environment if your priority is on getting a great education at a low price, then a place like Dickinson that has money, that has
wealthy people that are ineffective subsidizing your education, because they
want to bring people of diverse backgrounds to their campus.

Well you may very well win the jackpot here. Again if you’re a merit looking for merit aid, you need to be at the very top of their their pool no matter what your income. But if you have a relatively low income and few assets in order to pay for your college education but you are a very good student, then it is likely
that you would get an excellent financial aid package place like Dickinson.

Don’t rule it out don’t rule out the private colleges if you’re a good student and it come from modest means. Throw your hat in the ring see what happens you never know where you’re gonna get a great bargain.

Funding and scholarships: top tips

You’re thinking of applying to a graduate course at Oxford? You’ve sorted your funding. Well, we give you some top tips.

First of all, applying can actually be pretty simple. You usually don’t need more than a standard course application. So apply and let your grades do the talking. Most scholarships are usually open only to new graduate students. So it really is a good idea to think about funding as soon as you decide to apply to Oxford.

Use the fees, funding and scholarship search. It’ll help you to find out if you qualify for funding that requires an extra application. It’s an online search tool like Google. There’s loads of stuff you might actually need. Most scholarships provide full funding which will cover your course fees, college fees and a stipend for living costs.

Every year they give out 1,000 fully funded scholarships for new graduates. You don’t need to research every college scholarship. The vast majority of them are open to eligible applicants regardless of whether you’ve said you prefer a specific college or not. They might all look different.

Don’t assume you’ll be able to earn your way through your studies. It’s a lot harder to write an essay from behind a bar than you might think. Look for funding from sources outside Oxford. There are many who want to give you a helping hand, from the Linnean Society of London to the Leathersellers’ Company. So hurry up and apply. Because what you can do with the funding is pretty incredible.

I really don’t think that I would have been able to choose Oxford without the support I’ve been given. When the funding came in, and it was full funding I just said, I’m following my academic dreams, I’m going to Oxford It’s a place where everyone tries to be the best that they can be and that’s a really good environment to be in. It seemed like an impossible dream was realised. Oxford has been an incredible journey. It’s a place and and a part of my life that I hold dear, very dear, to my heart.

Federal Financial Aid : How to Create a Scholarship

There’s multiple ways to create a scholarship. Pretty much if you would like to create a scholarship, you can first approach a university to actually create the scholarship with you. You can do it on your own which can be very time consuming. You can also try nonprofit organizations as well.

Now, when you’re thinking about creating a scholarship, there’s a couple of things you need to determine. The first is how long you want the scholarship to be running.

It is whether you want it to be a one year scholarship, you want to keep adding to it every year, what types of criteria you want to set forth, you want it to be GPA or you want to be based on what major a student is pursuing.

As well as, that you will definitely want to consider whether the student needs to turn in an essay or if you even want to be part of the process of determining who qualifies for the scholarship.

Scholarships & Financial Aid : How to Get a Free Scholarship to Study Computer Engineering in Europe

The first thing you need to do to apply for scholarships and computer engineering for Europe is you’re going to want to find out what your options are you’re going to want to really take a look around at what scholarships are available to you. You can do that either by visiting or contacting the university plan on attending in Europe or just doing general searches on the web for international students.

Next you’re going to choose a location really if you don’t have a good idea where you want to go in Europe. Pick a place that you know you personally like that way you can start narrowing down which university or college you want to attend in Europe.

Next, you’re going to know the requirements. A lot of scholarships have requirements which can be either GPA based. It might be depending on what program you’re choosing. So really know if you are eligible for a scholarship.