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A survey conducted by the Institute of International Education of Students (IES) stated, there has been a 10% increase in the number of global students that pursue their academics abroad every year. While this rise proves that the study abroad space is ideal for higher education, it also shines awareness on the competitive admission process.

One of the best ways to rise above this competitive process is via profile building for study abroad. International students are aware about building a student profile. However, not many understand what is required to create a powerful student profile that convinces university recruiters. If you too are one of them, then this article is for you. Here are the top 11 tricks to consider when building a student profile.

11 Factors You Cannot Miss When Building An Influential Student Profile

Building a student profile requires time and patience. A student should consider all the relevant factors that can prove to be helpful when university admissions committee analyse their profile. While there are tons of information available to exhibit a student’s academic and professional goals, only the crucial ones need to be listed. Thus, after conducting a thorough research, we have listed 11 such factors a great student profile should exhibit.

1. Great Academic Performance

International students should exhibit an above average academic performance in their previous educational institution. A good academic score is one of the key criteria enquired by top universities abroad. In order to meet the set requirements, study abroad aspirants should visit their dream universities admission page to access all academic entry requirements.

2. Extra-Curricular Activities

Apart from exhibiting a good academic score, international students should also excel in extra-curricular activities. The purpose of this action is to help universities understand how well a student can balance academic and personal development simultaneously.

The list of extra-curricular activities can vary accordingly such as participation in any sports events, joining a workshop to develop relevant skills, etc. So, if you haven’t enrolled for any extra-curricular activities yet, it’s time to do the same.

3. Community Service/Volunteering Experience

The admissions committee also analysis personality traits of student applicants. Most leading universities expect international students to blend well in their community. They are looking for candidates that prove to be helpful, kind and welcoming to new cultures.

When students gain an experience via community service or volunteering work, it helps universities analyse the true character of student applicants. Students can join any local NGOs or volunteer for any events that contributes towards a change in society.

4. Course Specific Certifications

Students who are keen to pursue a specific course in their higher education should make use of course specific certifications. Showcasing these certifications will create a good impression amongst university recruiters as it will display your determination to learn new skills that will benefit your academic learning experience and career development better. Always attempt a certification that is relevant to the course you wish to pursue further.

For instance, if you wish to pursue a career in Finance, there are multiple course certifications that you can undertake such as Certified Financial Planner, Certified Fund Specialist or equivalent.

5. Statement of Purpose

A statement of purpose (SOP) is a document that a student sends to a university. This document is important especially when applying for graduate programs abroad. Creating an SOP is a vital process since students can exhibit their academic achievements, personal strengths and list out any factors that prove them to be a worthy applicant. SOPs are either in the form of written essays or questionnaires as it varies from one university to another. Here are a few tips that can help you create strong and impactful SOPs.

6. Letter of Recommendation

Another excellent way to build your student profile is to submit 2-3 letters of recommendation (LOR). Students can avail for a LOR from a reliable source. These recommendations will help university recruiters analyse a student’s behaviour from the academic or professional front.

For instance, a student can seek a LOR from a tutor who has been teaching the former for long. Similarly, if an employee is looking to pursue higher education abroad, they can seek a LOR from their manager. It is suggested to always choose a person who is aware of your academic or professional development and can write a recommendation for you with ease. Here are a few tips to keep in mind for LORs.

7. Work Experience

Students who are planning to pursue a graduate degree program abroad should exhibit professional work experience. The purpose of this proof is to help university recruiters understand your interest in choosing a course better. Universities will always prefer a student applicant that is confident about which career path they wish to explore and what course can help them reach there. Thus, the best way to exhibit your work experience is by creating a powerful resume.

The resume should state your career goals, professional experience, challenges undertaken by you, what were the roles and responsibilities you performed or similar information. Here are a few tips to help you draft a strong resume.

8. Social Media Presence

Another way to build your profile when planning to study abroad is via a strong social media presence. Social media has become the ultimate hub to access information and learn more about an individual. Platforms such as LinkedIn are making it easier for any recruiters to access information about a suitable applicant.

International students should make use of this medium as well. By creating a social media account, students can grasp the attention of university recruiters better. For instance, if you wish to pursue a career in graphic designing, you can create an Instagram account that displays your designing styles. If you wish to become a writer, you can create an account on Medium and display your articles.

Students can also create a social media account on LinkedIn to encourage business engagements. Apart from this, students can even add university alumni to build better networking opportunities.

9. Entrance Examination Scores

One of the best ways to build a student profile for study abroad is by exhibiting good scores in the set entrance examinations. Based on the degree level chosen, international students will attempt an entrance exam accordingly. To name a few common ones are IELTS, TOEFL, GMAT, GRE, SAT, etc.

Scoring well in these entrance exams is important as it helps to showcase a student’s skills and knowledge on a topic. For instance, when applying to any study abroad destinations, most top universities ask for an English language proficiency test (IELTS, TOEFL, PTE, Duolingo, Cambridge). A good score here will help universities analyse a student’s proficiency in various sections of the English language (listening, speaking, writing and reading).

Students should prepare for the chosen entrance exams at least a few months in advance. The scores retrieved here also play a vital role in your admission process.

10. Project Work

Another great way to enhance student profiles is by illustrating project works. Projects are a great way for university recruiters to analyse a student’s skills in research and practical thinking. Furthermore, it also displays the commitment a student has to solve a challenge and work under pressure to cater to the same.

11. Good Character

Lastly, university recruiters will also consider one important aspect from a student, their character. A student should always display great characteristics as most top universities enquire for the same.

For instance, at Harvard University, student applicants that can work under pressure, have a good sense of humour, leadership qualities, self-confidence and genuine interest in other cultures are highly considered. At University College London, the latter aims to welcome applicants that are adventurous, open-minded and wish to make a difference in the society with new ideas.

Conclusion
A well exhibited student profile will drive better attention from university admissions committee and increase the chances of potential student enrollments. While the above tips prove to be helpful when building your student profile, seeking the assistance of an expert who can guide you through the entire process will prove to be more beneficial. At Collegepond, we have experienced counsellors that have assisted thousands of study abroad aspirants to build a terrific student profile for study abroad. Book a 1-1 counselling session today!

Studying abroad may seem like an unattainable dream for many Indian students due to financial constraints. However, the countless opportunities it offers should motivate you to explore the possibility of studying abroad. We believe that financial limitations should never hinder a student’s potential to explore the world of education. Contrary to popular belief, there are alternatives to self-funding for studying overseas, such as scholarships, grants, and student loans. Studying abroad can unlock a world of opportunities if you are willing to take the leap.

In this blog, we will explore the world of study abroad educational loans. We’ll cover eligibility criteria, application processes, repayment options, and important considerations. By understanding the available financial assistance that’s out there, you can unlock your true potential and embark on an enriching educational journey abroad.

What is a Study Abroad Education Loan?

A Study Abroad Education Loan is a financial resource designed to support students in financing their education abroad. These loans, obtained from financial institutions, cater to a range of expenses such as tuition fees, living costs, travel expenses, and other related expenditures. By opting for an education loan, students can confidently transcend their financial limitations and pursue their educational dreams.

The perks of securing an education loan are aplenty. Firstly, it provides the much-needed funds to cover substantial study abroad expenses. Moreover, these loans often come with competitive interest rates and flexible repayment options, making it manageable for students to pay them back after completing their education. This allows students to manage their finances effectively, by alleviating the burden of financial concerns, students can wholeheartedly focus on their studies, unencumbered by monetary constraints.

Benefits of Study Abroad Educational Loan

Education Loans for students come with a lot of benefits:

• Educational loans give students opportunities to pursue their preferred courses in prestigious universities abroad, irrespective of their financial status.
• Lenders provide flexible repayment options, including moratorium periods, which provide a grace period after graduation before loan repayment begins.
• Educational loans usually offer lower interest rates compared to other types of loans, making them more affordable for students.
• Successfully repaying educational loans can help students create a good CIBIL score, which will help them in their future financial endeavours.
• You can claim a tax deduction for the interest paid on an education loan under Section 80E of the Income Tax Act, 1961. This means that the interest amount paid during a financial year can be reduced from your taxable income.
• The new Tax Collection at Source (TCS) rate for education loans is 0.5%, while it is 20% for self-funding. These rates apply to transactions above Rs. 7 lakhs. This means that taking an education loan will be more beneficial for you as it will result in lower tax payments than self-funding.

Understanding Key Terminologies

Before we can dive into explaining to you the education loan eligibility and requirements, it is essential to know the following terms:

1. Co-applicant: A person who applies for the loan along with the student and shares the responsibility of repaying the loan. Usually, parents or siblings are co-applicants for an education loan.
2. Collateral: An asset or property that is pledged as a security for the loan. If the borrower fails to repay the loan, the lender can take possession of the collateral and sell it to recover the loan amount.
3. Guarantor: A person who agrees to repay the loan in case the borrower defaults on the loan.
4. Moratorium period: The period during which the borrower does not have to pay any interest on the loan.
5. Repayment tenure: The period over which the borrower has to repay the loan with interest.
6. Interest rate: The percentage of interest charged on the loan amount per annum.
7. Processing Fee: The fee the lender charges for processing the loan application and disbursing the loan amount.
8. Prepayment penalty: The fee charged by the lender for repaying the loan before the end of the repayment tenure.

Education Loan Eligibility and Requirements

Age Criteria
To be eligible for an educational loan in India students generally need to be between 18 and 35 years of age. However, the age requirements may vary among different lenders, so it’s important to check with the specific institution or bank offering the loan. 

Academic Background
Most lenders require students to have a strong academic background, with a minimum score in qualifying exams such as the GRE, GMAT, or SAT. Additionally, students must have secured admission to a recognized foreign university or institution.

Co-applicant or Collateral
Many educational loans in India require a co-applicant, usually a parent or guardian, who acts as a guarantor for the loan. The co-applicant’s income and creditworthiness are considered during the loan approval process. Alternatively, some loans may require collateral, such as property or fixed deposits, as security against the loan amount.

Repayment Capacity
Lenders assess the student’s repayment capacity based on factors such as the course selected, employment prospects after graduation, and the potential income the student may earn in the future. This evaluation helps determine the loan amount that can be sanctioned.

Loan Amount and Expenses Covered
The loan amount offered by lenders varies depending on factors like the course duration, country of study, and the financial requirements of the student. Educational loans typically cover tuition fees, accommodation charges, travel expenses, examination fees, and other related costs.

Types of Educational Loans

Secured Loans
Secured educational loans require collateral as security. Some common types of secured loans include:

• Loans against Property

Students or their parents can pledge property as collateral to secure an educational loan. The loan amount sanctioned is usually a percentage of the property’s value.

• Loans against Fixed Deposits

If a student or their family holds a fixed deposit with a bank, it can be used as collateral to obtain an educational loan. The loan amount may range from 70% to 90% of the fixed deposit value.

Dollar vs Rupee Loans

INR Loan: This is a loan that is borrowed and repaid in Indian rupees (INR). The interest rate and EMI are fixed in INR. However, it’s important to note that this type of loan comes with the risk of currency fluctuations. If the INR depreciates against the USD, it could increase the cost of repayment. Therefore, it’s important to carefully consider the potential risks before opting for this type of loan.

USD Loan: When you borrow a loan in US dollars (USD) and repay it in the same currency, the interest rate and EMI remain fixed in USD. This type of loan protects you from the risk of currency fluctuations. If the INR appreciates against the USD, the cost of repayment decreases, saving you money.

Unsecured Loans
Unsecured educational loans are collateral free education loans. However, they may have slightly higher interest rates compared to secured loans. Some common types of unsecured loans include:

• Government-Backed Loans

The Indian government offers various schemes like the Central Scheme to provide Interest Subsidy (CSIS) to support economically weaker sections of society in obtaining educational loans at lower interest rates.

• Private Bank Loans

Private banks and financial institutions offer educational loans without collateral. These loans are granted based on the student’s academic record, admission to a recognized institution, and the co-applicant’s creditworthiness.

• Non-Banking Financial Company (NBFC) Loans

NBFCs provide educational loans to students without the need for collateral. These loans often have slightly higher interest rates than government-backed schemes or bank loans.

Step by Step Application Process
Applying for a study abroad education loan involves the following steps:

1. Research and planning: Begin researching the available loan options well in advance and create a plan that includes the estimated costs of education, living expenses, and other related expenses.
2. Choose a lender: Compare the offerings of different banks and financial institutions, considering factors such as interest rates, loan terms, repayment options, and customer service.
3. Gather documents: Prepare the necessary documents, including proof of admission, academic records, income certificates, bank statements, identity proof, and collateral documents, if applicable.
4. Submit the application: Complete the application form and submit it along with the required documents to the chosen lender.
5. Loan approval and disbursement: After the application is reviewed and approved, the loan amount will be disbursed directly to the educational institution or the student’s account as per the agreed-upon terms.

Important Considerations When Taking Educational Loan

Several factors need to be taken into account when choosing a study abroad education loan:

• Compare the interest rates and processing fees offered by different lenders to find the most favourable terms.
• Understand the maximum loan limit and the margin amount that needs to be contributed by the borrower. The margin requirement can vary based on the loan amount and the type of course.
• Some lenders offer loan repayment protection or insurance plans, which provide coverage in case of unforeseen circumstances such as the death or disability of the borrower or co-applicant.
• Apart from academic qualifications and creditworthiness, factors like the reputation of the institution, course selection, and future employment prospects may influence loan approval decisions.
• Failure to repay the loan on time can lead to penalties, a negative impact on credit scores, and legal actions by the lender. It is crucial to prioritise loan repayment and seek assistance if facing financial difficulties.

Tips for Managing Education Loans

Effectively managing study abroad education loans can ensure a smooth repayment process and minimise financial stress:

• Create a detailed budget that includes all expenses, both during the study period and post-graduation. Stick to the budget to avoid unnecessary financial strain.
• Explore part-time job opportunities in the host country to supplement income and cover living expenses.
• Continuously search for scholarships and grants to reduce the loan amount and ease the financial burden.
• Consult with education loan counsellors who can provide valuable advice and assist in getting you an education loan.
• Borrow only the required amount and repay the loan diligently to avoid long-term financial implications.

What to Do if Your Education Loan Gets Rejected ?

Education loans can be a great way to finance your study abroad experience. However, there is a possibility that your loan application may be rejected, which can be discouraging. But do not worry, as it does not mean the end of your study abroad dream. Here are some steps you can take if your loan application is rejected:

1. Understanding the Reasons: The first and most crucial step is understanding why your loan application was rejected. Lenders usually provide reasons for rejection. It could be due to insufficient credit history, a low credit score, inadequate collateral, or other factors. Knowing the specific reasons will help you address the issue.
2. Review Your Application: Carefully review your loan application. Ensure all the documents and information are current, accurate and complete. Sometimes, minor errors can lead to rejection.
3. Explore Co-Singer Options: If you have a close family member or friend with a strong credit history, consider asking them to co-sign the loan. This can improve your chances of loan approval.
4. Explore Alternative Funding Sources: While education loans are a common choice, there are other funding options to consider, such as scholarships, grants, part-time jobs or sponsorships. This can help you reduce your financial burden.
5. Consider Different Lenders: Don’t lose hope if one lender rejects your application. Different financial institutions have varying criteria for approval. You might be able to find another lender willing to grant you the loan.

Pursuing higher education abroad can be a life-changing experience for Indian students. Education loans for study abroad offer a practical solution to finance this dream, but understanding the various aspects of study abroad education loans is crucial for making informed decisions. By exploring the types of loans available, eligibility criteria, application process, repayment options, and important considerations, students can navigate the loan process effectively and embark on their educational journey with confidence. With careful planning, responsible borrowing, and timely repayments, study abroad education loans can open doors to a bright future filled with exciting opportunities.

Don’t let the overwhelming prospect of taking an education loan hold you back. We understand that for many students, this may be their first time considering borrowing such a significant amount of money. But worry not, our team of experts is here to guide you every step of the way. Connect with our education loan experts today and discover the endless possibilities that lie ahead. Let us show you just how limitless you can be.

Studying abroad can be an exciting and rewarding experience for you. It can offer the opportunity to explore new cultures, learn new skills, and make new friends. However, studying abroad comes with challenges, such as adapting to a different education system, coping with language barriers, and dealing with cultural differences. These challenges can sometimes lead to culture shock, confusion, anxiety, or discomfort from unfamiliar environments.

When you arrive at your study abroad destination, it’s normal to feel excited, confused and disoriented as you become accustomed to unfamiliar customs, traditions, and social norms. Remember that this is all part of the study abroad experience to explore new things and different cultures. It may take some time to adjust to this new world. We’ve all experienced culture shock at some point in our lives when we enter a new cultural environment that’s quite different from what we’re used to. We’ve all felt it while travelling or when we moved to a new city for studies or work, and it probably took some time to adapt back then. Now, when you’re about to study abroad, it’s essentially the same experience, just a bit more intense. The culture shock you’ll encounter might be a little bigger than you’ve faced before, but the adjustment process remains similar. In this blog, we’ll discuss the symptoms of culture shock, coping strategies, and effective ways to overcome reverse culture shock.

What is Culture Shock and What are it’s Stages ?

Cultural shock is a common phenomenon experienced by individuals when they transition to a new cultural environment. It encompasses a range of emotional and psychological reactions as you navigate the unfamiliar terrain of a different culture. To get a better understanding of this phenomenon, let’s dive into its four stages:

1. The Honeymoon Stage: During the first phase of cultural shock, often called the “honeymoon stage”, everything may feel novel and exciting. You may experience a sense of curiosity and enthusiasm as you explore the new culture. This is a period of discovery where the differences between your home culture and the new one appears exciting rather than challenging.
2. The Frustration Stage: As you enter this stage, you will start to encounter the realities of your new environment, including the difficulties and challenges that come with it. You may experience feelings of homesickness, loneliness, isolation, and a sense of being misunderstood, which may become more pronounced. Negative emotions such as anger, sadness, and anxiety may surface as you grapple with your differences and obstacles.
3. The Adjustment Stage represents a critical moment in your cultural adaptation process. In this phase, you will develop effective coping mechanisms and adjust to your new surroundings. You may learn new skills, create routines, and find better ways to communicate and interact with the host culture. Over time, you will gain confidence and feel more comfortable navigating the cultural complexities.
4. The Acceptance Stage: During the final stage of cultural adaptation, you feel at ease and self-assured in your host culture. You recognize and value the differences and similarities between your home and host cultures and cultivate a deep admiration for them. As you progress, you may feel a sense of belonging and identity that blends both worlds, enabling you to thrive in this multicultural experience.

Understanding these stages of culture shock is crucial for preparing yourself for the challenges and rewards of studying abroad.

Symptoms of Culture Shock

Symptoms of culture shock can vary from person to person, but a few of the common symptoms include:

1. Homesickness

2. Anxiety and Disorientation

3. Withdrawal and Isolation

4. Irritability and Frustration

5. Loss of Confidence

6. Difficulty Concentrating

7. Physical Discomfort

8. Fatigue and Sleep Disturbance

9. Idealising Home Culture

10. Desire for Familiarity

Factors Causing Culture Shock

Factors causing culture shock vary depending on the student and study abroad destination. Knowing these underlying contributors can help you understand the challenges you may face when abroad better. Below are some key factors that contribute to culture shock:

1. Cultural Differences

One of the most prominent factors is the contrast between Indian and Western cultures. This includes differences in language, social norms, customs, values, traditions, and even daily routines. Even though we are more familiar with the West now than ever through movies, media and the internet, these cultural elements can still lead to disorientation and discomfort.

2. Communication Barriers

Language barriers can impact the cultural adaptation process. Difficulty understanding and expressing yourself can pause social interactions and create frustration and isolation. Even if you’re going to an English-speaking country like USA, Australia, UK or Ireland, getting used to their accents and slang will take some time. But with time, you will grow accustomed to it.

3. Social Customs and Etiquette

Each country has its own culture and social customs, etiquette and norms. Gestures, body language, greetings and appropriate behaviour in social settings may differ from what you are accustomed to in India. For example, in the UK and Australia, it is frowned upon if you don’t use magic words like ‘please’, ‘thank you’ or ‘no worries’ in every interaction that you do.

4. Education Systems

The education systems of most Western countries differ from the Indian educational system. In India, we are more accustomed to preparing just before exams because they contribute majorly to your grade. Most education systems abroad focus more on continuous assessment and group projects. Engaging with professors, seeking academic support and familiarising yourself with the education system can help ease the transition.

5. Food and Cuisine

Food plays a crucial role in our lives, not just to fulfil our physical needs, but also because it has an emotional connection to us. Some food connects us to feeling at home. But food in your host country could vastly differ from what you are used to. Trying new foods can be exciting but can be a source of discomfort. It is easy in India to find vegetarian or halal food, but that is not the case overseas. Sometimes even Indian food doesn’t taste Indian, but it has been customised for the people of your host country. But slowly you will learn about your new city and find the food you like. Indian grocery stores are not very hard to find, and you can also indulge in some cooking yourself. It is a straightforward 2 step process to cook food like home:

Step 1 – Buy groceries

Step 2 – Call mom and follow the instructions

Voila, your food, just like home, is ready, away from home.

6. Social Relationships and Friendships

Building new connections and friendships can be challenging in a new environment. Cultural differences in socialising, friendship dynamics and forming bonds can impact the ease of building friendships. Getting involved in social activities, joining student clubs or organisations and seeking opportunities to meet new people can help you form meaningful relationships.

7. Homesickness and Distance from Family

Staying away from your family and loved ones does contribute to feelings of homesickness. Missing out on family gatherings, festivals, and celebrations can increase the longing for home. Staying connected with loved ones through technology, having a network of supporting friends and participating in cultural events can minimise homesickness.

8. Stereotypes and Preconceptions

We all have preconceived notions or stereotypes about things and people. You must have some stereotypes about your host country that you might have learned through the media and people. Recognising these preconceived notions and biases can help you be more open-minded towards the new culture.

Coping Strategies for Cultural Shock

1. Self-Care and Emotional Well-being

Adjusting to a new environment can be emotionally draining. Therefore, it’s essential to take care of your emotional well-being. Engaging in activities that bring you joy and relaxation, like hobbies, exercising, or meditation, can help reduce stress and promote emotional well-being. Connecting with other international students going through the same experience will provide a sense of camaraderie and assurance that you’re not alone in this journey.

2. Cultural Understanding and Education

Knowledge about your host country’s history, values and norms is instrumental in fostering cultural understanding. By learning about the cultural context of the host country, you can gain insights into customs, traditions and social norms that shape daily life. Understanding the local culture can lead to better communication, interaction with locals, and appreciation for cultural differences.

3. Exploring Cultural Activities

Engaging in local events and festivities is a beautiful way to immerse yourself in the new culture. Taking part in cultural activities allows you to experience the locals’ unique traditions, art, music and food. Attending cultural events provides opportunities for deeper cultural understanding and offers a chance to meet and interact with locals, contributing to a sense of belonging and connection.

4. Seeking Familiarity

When faced with culture shock, seeking familiarity from home can provide comfort and a sense of security. Connecting with other Indian students or participating in your cultural events can create a home away from home. Engaging in familiar practices, such as celebrating festivals or cooking traditional meals, can help reduce homesickness and provide a sense of continuity with one’s cultural identity.

5. Seeking Professional Help

Culture shock can sometimes become overwhelming, impacting an individual’s mental and emotional well-being. In such cases, seeking professional help, such as counselling services or therapy, can be beneficial. Being from India, we like to sweep things under the mat regarding mental health. There is nothing wrong with asking for help. Most of the Universities and colleges abroad have free counselling services for students.

Overcoming Reverse Culture Shock

Reverse culture shock is a common phenomenon experienced by individuals when they return to their home country after an extended period abroad. The reintegration process can be both exciting and challenging. Here are some strategies to overcome reverse culture shock and make the transition smoother:

• Recognise the Challenges: The first step in overcoming reverse culture shock is acknowledging that it is a normal part of the readjustment process. Disconnection or alienation may arise as you readapt to your familiar surroundings, and that’s okay. Understanding that these emotions are typical can help you approach the experience with patience and self-compassion.
• Share Experiences: Connecting with other returnees or joining support groups can be incredibly beneficial. Sharing experiences and insights with individuals who have undergone similar journeys can create a sense of validation and comfort.
• Maintain International Connections: Staying connected with the friends you made during your study abroad experience is essential in nurturing global friendships. These connections serve as a bridge between your life abroad and back home.
• Reflect on Personal Growth: Embrace the personal growth and newfound perspectives acquired during your time abroad. Reflect on the experiences that have shaped your character and broadened your worldview.
• Embrace the Changes: As you readjust back to India, be open to embracing the changes that have occurred in your absence. Your time abroad may have transformed you in various ways, and that’s something to celebrate. Embrace your multicultural identity and use your experiences to enrich your life and the lives of those around you.

Studying abroad offers a remarkable opportunity for personal growth and intercultural understanding. Embracing a new culture in a foreign country may initially seem intimidating, but with patience and an open mind, it will gradually become a part of you. Remember, the decision to study abroad goes beyond education; it is about broadening your horizons and connecting with people from diverse backgrounds.

Culture is a beautiful creation that unites people, and immersing yourself in a new culture allows you to form deep connections with others. Often, some Indian students make the mistake of retreating into their shells and resisting change. However, studying abroad involves stepping out of your comfort zone and embracing the unfamiliar.

Embracing a new culture doesn’t mean abandoning your own; it’s about accumulating new experiences and perspectives. This process of accumulation is how we, as humans, evolve and grow. So, let go of the fear, embrace the unknown, and cherish the transformative journey that studying abroad offers. By engaging with the local culture, understanding its nuances, and respecting its customs, you’ll thrive academically and leave with unforgettable memories and lasting connections with people from all corners of the world. Embrace the power of cultural exchange and watch yourself flourish in ways you never imagined possible. In closing, remember the wisdom of the old saying, “When in Rome, do as the Romans do.”

Embark on your new adventure with confidence! Our expert team is here to assist with all your study abroad needs and prepare you for an unforgettable experience. Connect with our counsellors for a free 1-1 counselling session for assistance on your study abroad journey.

Preparing for your journey abroad comes with various visa requirements; one crucial aspect often arises is student health insurance. As a student, you may find yourself simply checking off items on your list, searching for the most affordable health insurance option to save some money. Being young is a time of carefree enthusiasm, chasing dreams with passion. Health insurance? It’s often an afterthought- a concern for a distant future when we’re older and more prone to health issues. In India, we often rely on our family’s insurance coverage, rarely considering it. After all, who needs a doctor for a common cold or stomach ache? Just ask someone older what medication to take, or just visit the neighbourhood medical store and ask the pharmacist.

But here’s the thing, we live in a cosy bubble surrounded by loved ones, shielded from the harsh realities of life. We’re not ones to admit, but life is unpredictable, full of beautiful and challenging surprises. When you are about to start your study abroad journey, you are stepping out of this bubble, and unforeseen circumstances can arise even when we least expect them. Having health insurance will act as your safety net.

Health care overseas is different and more expensive than in India. Just a visit to a doctor can cost $100 minimum. It is not possible to consult a doctor back home and buy medication yourself because you can’t get medication without a prescription from a doctor in your host country. Let us give you some insight into why health insurance matters, what it covers, how to get it, key terminologies and what factors to consider before getting your health insurance abroad. By the time you finish reading this blog, you will have all the necessary information to comprehend the significance of obtaining health insurance during your study abroad journey.

Why International Student Insurance Matter:

1. Healthcare coverage
As an international student studying abroad, you will encounter a different healthcare system and possibly higher medical expenses. Student health insurance gives you access to healthcare services, including visits to a doctor, hospitalisation, emergency care, prescription medications and specialist consultations.

2. Financial protection
Medical treatments can be expensive, and unexpected health issues can disrupt your studies and financially strain you. Health insurance helps in protecting you from high medical bills and covering expenses like doctor visits, prescriptions and hospitalisation.

3. Compliance with visa requirement
Many popular study-abroad countries, like the US, Canada, Australia and the UK, require international students to have health insurance as a condition of their student visa. By obtaining the necessary coverage, you ensure compliance with visa regulations.

4. Peace of mind
Studying abroad is an exciting but challenging experience. Having student insurance gives you an assurance that your health needs are covered. This allows you to focus more on your studies, immerse yourself in new experiences, and make the most of your study abroad journey.

What Does Student Health Insurance Cover?

The coverage given by the student health insurance can vary depending on the insurance plan and your host country. However, most student health insurance plans offer coverage for the following:

1. Inpatient and outpatient care
This includes hospitalisation, consultations with doctors, specialists and outpatient treatments.

2. Prescription medications
Coverage for prescribed medications needed for your treatment or to manage chronic conditions.

3. Emergency medical services
Coverage of emergency medical situations, including ambulance services, emergency visits and urgent care.

4. Laboratory Tests and Diagnostics Procedures
Coverage for necessary tests and procedures to diagnose and monitor health conditions.

5. Mental health services
Some student health insurance plans also cover mental health services, including counselling and therapy sessions.

Obtaining Overseas Student Health Cover

Students usually have two options to get health coverage: purchasing insurance through their university or selecting an external insurance provider. Many universities do have their own health insurance plans that are made specifically for international students. These plans are often made to the specific requirements of international students and provide comprehensive coverage.

The other option is to explore external insurance providers that deal in international student health insurance. Researching and comparing different plans is essential to find the one that suits you best. Also, consider factors such as coverage cost, network of healthcare providers and any additional benefits or services offered.

Key Terminologies

Before we dive into factors you need to consider when getting health insurance. You must understand the key terminologies associated with student health insurance while studying abroad. Here are the essential terms:

1. Annual/per event maximum: Refers to the maximum amount insurance will pay towards your medical bills that are eligible for coverage. Once this limit is reached, you will be responsible for paying the remaining balance.

2. Deductible: Deductibles are the out-of-pocket expenses paid before insurance coverage begins.

3. Coinsurance: The percentage of your bill that insurance will cover after you pay the deductible.

4. Co-pay: A fixed amount that the insured must pay for certain covered medical services, often due at the time of the service.

5. Policy Limit: The maximum amount the insurance provider will pay to cover medical expenses during the coverage period.

6. Benefit Cover: Specific medical services and expenses that are covered by the insurance policy, such as doctor’s visits, hospitalisation, prescription and emergency care.

7. In-network provider: A healthcare provider or facility that has an agreement with the insurance company to provide services at a reduced cost to insured individuals.

8. Medical Evacuation: The provision for transportation to the nearest appropriate medical facility or back to the student’s home country in case of a serious medical emergency.

9. Out-of-network provider: A healthcare provider or facility that does not have a contract with the insurance company may result in higher out-of-pocket expenses for the insured.

10. Out-of-pocket maximum: The maximum you will be required to pay during a policy period for covered treatments.

11. Pre-existing condition: A medical condition that existed before the start of the insurance.

12. Repatriation of remains: The process of returning the insured student’s remains to their home country in case of death while abroad.

13. Exclusion: Specific conditions, treatments or services that are not covered by the insurance policy.

14. Premium: The amount of money paid by the insured to the insurance provider at regular intervals (usually monthly or annually) to maintain coverage.

Factors to Consider Before Selecting an Overseas Student Health Insurance Plan

1. Coverage limits
Consider the maximum coverage limits provided by the insurance plan. Ensure they align with your host country’s healthcare costs to avoid any extra expenses.

2. Cost
Consider the cost of the insurance plan, including premiums, deductibles and copayments. Remember your budget and select a plan that provides good value for money. Usually, the annual health insurance in the US costs between 500-1000 USD.

3. Deductibles and copays
Review the deductibles and copays by balancing these costs with the overall premium to find the right balance for your budget.

4. Network providers
Check if the insurance plan has a network of preferred healthcare providers or if it allows you to choose any medical professional. Having access to a network can often streamline the billing process and reduce paperwork.

5. Additional benefits
See if the insurance providers also cover mental health services, dental care, eye care and preventive healthcare.

6. Duration of the coverage
Make sure the student insurance plan provides coverage for the entire duration of your study and any additional grace period after completion.

Now it should be more evident that student insurance is more than a requirement. It is your safety net through your study abroad journey, offering the protection and support you need in a new environment. So, before you get started on this exciting journey of your life, take some time to research and choose a comprehensive student insurance that suits your budget and most of your needs. Studying abroad is an incredible opportunity for personal and academic growth. With health insurance by your side, you can confidently embrace this experience, knowing that you are prepared for whatever adventures await you.

At Collegepond, we understand how overwhelming the process of going abroad can be. Our expert counsellors are here to assist you throughout the entire journey and help you make informed decisions.

When you are about to begin your study abroad journey, there will be a lot of things you will have to do for the first time in your life. One of these things is foreign exchange, commonly known as forex. When you are travelling to a different country you need to convert your local currency into the currency of your host country. It may seem like a pretty straightforward process that you give your currency and get it changed to the currency of your desired country. But there are a lot of factors that influence forex.

Each country has its own currency, and the value of these currencies can change due to various factors such as economic conditions, trade imbalances, interest rates, and market sentiments. These factors work together to determine the value of one country’s currency compared to another. For instance, 1 Vietnamese dong equals 34.79 Indian Rupees (INR), and 1 US dollar is worth 82.06 INR. This means there is always a possibility of experiencing a loss in currency value during the forex trading process, regardless of the method used.

Exchange rates, fees and charges, currency options, and regulatory compliances are few of the factors that affect foreign exchange. Having an understanding of these elements is necessary for making informed decisions and ensuring a smooth forex process during your study abroad journey. In the article, we will dive into everything a student needs to know about foreign exchange. We will explore factors like exchange rates, and shed light on the fees and charges, discuss different methods of forex and their suitability for specific purposes.

What is foreign exchange?

Foreign exchange or forex refers to converting one currency into another for various reasons, such as travel, education, or business. When studying abroad, students will need to convert Indian Rupees into the currency of their host country. The exchange rate determines the value of one currency relative to another. Knowing the fundamentals of foreign exchange, key terms and the factors that influence exchange rates is essential.

Key terms you should know before doing foreign exchange

1. Remittance: The transfer of money from a person working abroad to their family or individuals in their home country or the transfer of money from their family in their home country to the person working or studying abroad.
2. Exchange Rate Margin: The difference between the official exchange rate and the rate offered by financial institutions for currency conversions, representing their profit margin.
3. SWIFT Code: A unique code used to identify specific banks or financial institutions worldwide when conducting international wire transfers.
4. Foreign Transaction Fees: Fees charged by banks or forex card issuers for currency conversion and transactions in foreign currency.
5. Floating Exchange Rate: A system where a currency’s value is determined by market forces of supply and demand, without government intervention.

By familiarizing yourself with the key terms, you can confidently navigate the complex world of forex.

Different modes of foreign exchange

1. Forex cards: Forex cards, also known as travel cards, are one of the most popular options used by students studying abroad. These prepaid cards are specially designed for travelling abroad and they come with several advantages, including:

• Forex cards are accepted at most places, allowing students to make payments at various shops, restaurants and online platforms without having to carry large amounts of cash.
• They are available in a lot of currencies, allowing students to load up their cards with their currency of choice. This helps them in avoiding currency conversion fees each time they make a transaction.
• Forex cards, just like any other debit or credit card, are equipped with PINs and EMV chips. This makes them secure and less vulnerable to fraud than carrying cash around. On top of that, most cards offer options to block them immediately if stolen or lost, ensuring the safety of the funds.
• One of the most essential advantages of forex cards is the ability to lock in the exchange rates when loading the card. This helps students avoid exchange rate fluctuations and plan their expenses better.

2.  Wire transfer: They are primarily used for large sums of money, such as paying tuition fees or covering other bigger expenses like accommodation. Here are some benefits of wire transfer:

• Many universities and colleges abroad require international students to pay their fees through wire transfers. These transfers ensure that the money is directly transferred to the university’s account. This streamlined process not only ensures the secure and efficient transfer of funds but also facilitates a smooth and hassle-free registration process. If you need to transfer a large amount of funds, such as renting a property or purchasing a vehicle, wire transfers are a reliable option. They offer a secure and transparent method of transferring large sums overseas.
• Wire transfers involve transferring money from your bank account in India to your overseas bank account. This process ensures that the funds are directly deposited into your bank account, providing hassle-free access to your expenses.

3. Cash: While carrying cash overseas should be limited for security reasons, having a small amount of local currency is still useful. Here are some benefits of having cash in hand:

• Cash is helpful for initial expenses upon arrival, such as transportation from the airport, small purchases or in case of an emergency.
• If you plan to visit remote areas or the countryside with limited technology, having some cash can come in handy.
• Occasionally, the technology will fail you, the card reader won’t work, or it is just a cash-only store, then having cash can be your saviour.

Factors students need to consider before foreign exchange

Before doing foreign exchange, there are a few factors a student needs to take into consideration to have a smooth and cost-effective transaction. Here are some factors to consider:

 1. Exchange rates
Exchange rates are subject to fluctuation, and it’s vital to monitor them before making currency conversions. Economic factors, political stability, and market conditions influence exchange rates. Students can monitor the rates over a time period and consider converting them when exchange rates are low.

2. Fees and charges
Compare the fees and charges with different forex service providers, including banks, money transfer services and cards. Consider transaction fees, currency conversion charges, reload fees, ATM withdrawal limits and fees, and other costs involved. Choose the option that offers the most competitive rates and reasonable fees.

3. Security and fraud protection
Make sure the service provider you choose has robust security measures in place to protect your money. Look for features such as EMV chips, PIN protection, the ability to block or cancel cards in case of theft or loss.

 4. Convenience and accessibility
Consider the convenience and accessibility of the Forex service you choose. The service should be available in your country, the host country and the location where you will be studying. Keep in mind factors such as the ease of reloading funding, availability of ATMs, acceptance at merchants and customer support.

5. Regulatory compliance
Make sure that the forex service provider you are choosing operates within the regulatory framework and complies with the laws and regulations of your country and the host country. Verify that they are authorised and licensed by the appropriate regulatory authorities to provide forex services.

6. Customers reviews and recommendations
Research customers reviews, ratings and recommendations for different forex services providers. Read about other student’s experiences who are still using or having used their services in the past to gain a better understanding into the reliability, efficiency and customer support offered by each provider.

7. Support for emergency situations
Consider how a forex service provider handles emergency situations. Determine if they offer 24×7 customer support, assistance in case of stolen or lost cards and quick resolution of any issues that may arise during study abroad.

8. Seeking professional advice
When dealing with a significant amount of money for the first time, seeking help from a financial advisor can come in handy. They can provide guidance tailored to your needs and help you in making an informed decision.

Understanding TCS changes and their impact on students studying abroad

The Ministry of Finance has announced the implementation of new Tax Collection at Source (TCS) rate policies. Originally scheduled for July 1, 2023, the new TCS rates will now take effect on October 1, 2023. These changes are part of the 2023 Budget plan and primarily impact payments made under the Liberalised Remittance Scheme (LRS) and overseas tour packages.

Under the previous LRS rules, individuals could make up to $250,000 in one financial year for various purposes like donations, travel, and studying abroad. However, the revised rules introduce TCS rates on all foreign remittance transactions. The new rates include:

1. A 20% TDS rate on payments over Rs. 7 lakhs made via international credit or debit cards, previously 5%. This change was initially announced on May 19, 2023, and is postponed allowing banks and card networks to implement necessary IT solutions.
2. A Rs. 7-lakh threshold for TCS payments under LRS for each individual per financial year, exempting transactions up to this amount from TCS deductions. If the threshold is exceeded, the TCS rates vary depending on the purpose, ranging from 0.5% for education loans to 20% for other purposes.
3. The effective date of these new TCS rates has been shifted from July 1, 2023, to October 1, 2023, giving parents sending money to children studying abroad some extra time to avoid higher TCS charges.

Forex is an important part of a study abroad journey. By having basic knowledge of exchange rates, keeping in mind fees and charges, exploring different currency options, and complying with regulations, can help students navigate the complexities of forex with ease. Be proactive in monitoring your exchange rates, plan your transactions strategically, considering the new TCS rate changes  and seek professional advice when necessary. One thing to keep in mind is that forex is not just about converting currency, it’s about optimising the value of your funds and managing your finances effectively during time abroad. 

At Collegepond we understand the value of our student’s money, so we make sure you get your money’s worth with our Forex services. Talk to our expert now!

If you’re considering studying in the USA or are already studying there and looking for work experience, you might be aware of two training programs: “CPT” and “OPT.” CPT (Curricular Practical Training) and OPT (Optional Practical Training) allow you to work in the United States. Still, it’s important to know that CPT is required in specific academic programs, while OPT offers optional work opportunities after you finish your degree. This blog will explore CPT and OPT, their features, eligibility, and benefits, helping you understand the distinctions between these programs.

OPT

Optional Practical Training (OPT) is a way for F-1 students to get temporary jobs only in the field of their degree’s major. This could be a paid job or an unpaid internship. To check your eligibility for OPT, you need to contact your Designated School Official (DSO). If you are eligible, you can apply for up to 12 months of work permission with OPT. There are two different ways to go about it:

1. Pre-Completion OPT – You can apply for Pre-completion OPT after completing a full academic year at a certified US school. Once approved for Pre-completion OPT, you can work up to 20 hours a week while the school is in session and full-time during school breaks.
2. Post-completion OPT – This one comes after you finish your studies. If you allow Post-completion OPT, you must work at least 20 hours a week, but you can also work full-time.

When considering Pre or Post-completion OPT, it is important to remember that the maximum period for OPT is 12 months. If you decide to do Pre-completion OPT, the duration of Post-completion OPT will be reduced by the amount of time you have already spent on Pre-completion OPT.

If you are a student with an F-1 visa pursuing a science, technology, engineering or math (STEM) degree, you may be eligible for the STEM OPT extension. Visit the STEM OPT page on Study in the States for more information.

CPT

Curricular practical training (CPT) is a work/study opportunity, such as an internship or cooperative education program, required as a part of your curriculum and offered by a U.S. employer in partnership with your college or university. CPT is exclusively available for F-1 students and must be integrated in your academic program. Unlike pre-completion OPT, CPT can be full-time and is not restricted to a maximum of 20 hours per week.

To be eligible for CPT, you must be an F-1 student and have completed one full academic year of study at a SEVP-certified school unless your graduate program requires immediate CPT participation. Students who engage in one year or more of full-time CPT are not eligible for post-completion OPT. To obtain permission for CPT, your Designated School Official (DSO) must authorize it in SEVIS and issue an updated Form I-20 reflecting your approval for the training opportunity.

If you are interested in CPT, it is essential to consult with your DSO to comprehend your school’s specific policies fully. Your DSO is the best resource to ensure compliance with federal regulations and your school’s guidelines.

Difference between OPT and CPT

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Deciding between CPT and OPT will largely depend on your academic program’s specific requirements and career aspirations. If your program mandates practical training or internships as part of the curriculum, then CPT is your mandatory choice, as it is a critical component of your studies. CPT allows you to gain hands-on experience while still enrolled in your program and complements your classroom learning.

On the other hand, if your program does not require practical training, you may consider OPT after completing your degree to gain more work experience and explore various employment opportunities. OPT allows you to work longer, which can be beneficial if you need substantial work experience in your field of study.

If you are unsure which option is right for you, you should talk to our team of experts. Our counsellors can help you navigate through the study abroad application process. Book a free 1-to-1 counselling session with us.

FAQ

Do I have to register while on CPT?

You should maintain F-1 student status, which requires full-time registration. While most students do need to register as full-time students during CPT, in some cases, graduate students are considered as full-time students with lesser than 10 credits while on full-time CPT. This includes students who are registered for Engineering Co-op credits, and students registered for thesis or dissertation credits, along with their CPT-related credit.

Do I need to have a job to apply for CPT?

You need an employment offer to apply for CPT since the authorization is employer-specific.

Can I change employers while on CPT?

Since CPT authorization is specific to the employer, you must apply for a fresh one before working for the new employer.

Will I be required to pay Social Security and other taxes during CPT?

Typically, as an F-1 student, you would be exempt from Social Security (FICA) taxes for your first five years in the U.S. so long as you continue to declare non-resident status for tax purposes.

Unless you qualify for tax exemption under a tax treaty between the U.S. and the government of your home country, your earnings will be subject to applicable federal, state and local taxes. Employers are required to withhold those taxes (i.e. deduct tax at source) from your paychecks. For more information on taxes, you can consult the Internal Revenue Service.

Is it better to go for the CPT before OPT or to go directly for CPT?

The US government allows a maximum of 12 months for training, or 36 months for STEM students. This means that whether you do CPT and OPT or just one of them, the granted time will remain the same, that is, 12 months or 36 months for STEM students. It is advisable to complete CPT first, as it is an integral part of your degree. If you have any time remaining, then you can apply for OPT.

Does CPT usage affect OPT eligibility?

You can use up as much CPT as is required to complete your degree program. However, if you end up using 12 months or more of full-time CPT, you will not be eligible for OPT. Engaging in part-time CPT does not affect OPT in any way.

Can I change the number of hours I work on OPT?

Yes, you may change the number of hours, though you can only do so within the limits of part-time or full-time. For example, you may change from 12 to 18 hours per week without needing a new authorization. However, if you change from part-time to full-time or vice versa, you must request a new authorization.

Do I need a Social Security number for OPT or CPT?

Yes, you must obtain your Social Security number for both CPT and OPT to receive payment from your employer.

For CPT, will I receive an Employment Authorization Document (EAD)?

No. The CPT authorization on page 2 of your I-20 serves as proof of employment eligibility, which along with your I-94 record, may be used to complete the Employment Eligibility Verification Form I-9 as required by the employer. Suppose your employer has questions about the documentation required for I-9 purposes. You may refer them to the U.S. Citizenship and Immigration Services “I-9 Central” page, including the section about international students with training authorization.

 

Do I have to register while on CPT?

You should maintain F-1 student status, which requires full-time registration. While most students do need to register as full-time students during CPT, in some cases, graduate students are considered as full-time students with lesser than 10 credits while on full-time CPT. This includes students who are registered for Engineering Co-op credits, and students registered for thesis or dissertation credits, along with their CPT-related credit.

Do I need to have a job to apply for CPT?

You need an employment offer to apply for CPT since the authorization is employer-specific.

Can I change employers while on CPT?

Since CPT authorization is specific to the employer, you must apply for a fresh one before working for the new employer.

Will I be required to pay Social Security and other taxes during CPT?

Typically, as an F-1 student, you would be exempt from Social Security (FICA) taxes for your first five years in the U.S. so long as you continue to declare non-resident status for tax purposes.

Unless you qualify for tax exemption under a tax treaty between the U.S. and the government of your home country, your earnings will be subject to applicable federal, state and local taxes. Employers are required to withhold those taxes (i.e. deduct tax at source) from your paychecks. For more information on taxes, you can consult the Internal Revenue Service.

Is it better to go for the CPT before OPT or to go directly for CPT?

The US government allows a maximum of 12 months for training, or 36 months for STEM students. This means that whether you do CPT and OPT or just one of them, the granted time will remain the same, that is, 12 months or 36 months for STEM students. It is advisable to complete CPT first, as it is an integral part of your degree. If you have any time remaining, then you can apply for OPT.

Does CPT usage affect OPT eligibility?

You can use up as much CPT as is required to complete your degree program. However, if you end up using 12 months or more of full-time CPT, you will not be eligible for OPT. Engaging in part-time CPT does not affect OPT in any way.

Can I change the number of hours I work on OPT?

Yes, you may change the number of hours, though you can only do so within the limits of part-time or full-time. For example, you may change from 12 to 18 hours per week without needing a new authorization. However, if you change from part-time to full-time or vice versa, you must request a new authorization.

Do I need a Social Security number for OPT or CPT?

Yes, you must obtain your Social Security number for both CPT and OPT to receive payment from your employer.

For CPT, will I receive an Employment Authorization Document (EAD)?

No. The CPT authorization on page 2 of your I-20 serves as proof of employment eligibility, which along with your I-94 record, may be used to complete the Employment Eligibility Verification Form I-9 as required by the employer. Suppose your employer has questions about the documentation required for I-9 purposes. You may refer them to the U.S. Citizenship and Immigration Services “I-9 Central” page, including the section about international students with training authorization.

 

Starting your study abroad journey is an exciting time for you. You are going to immerse yourself in a new culture, gain global exposure and enhance your educational and personal growth after getting your Confirmation of Enrollment (COE) and waiting for your Visa. It can be a bit overwhelming to think about everything you need to do before departing. To help you stay organized and prepared, we have created a student travel checklist, things to pack, study abroad essentials and a vital document checklist.

Study Abroad Documents Checklist

• Passport: This is essential for travel, so make sure it’s valid and has at least six months beyond your planned return date. Also, make copies of your passport and keep them in different places.
• Visa: It is always a good idea to keep a copy of your Visa with you or store a softcopy on your smartphone.
• Immunization records: You may need certain vaccinations before you travel, so check with your doctor and host country to see what’s required.
• Travel insurance: This is a good idea in case of any unexpected events, such as lost luggage.
• Identification: Keep your driving license or other valid identification card. This will help you abroad by not taking your passport everywhere with you.
• Forex: You’ll need to exchange your currency for the local currency of the country you’re visiting.
• Academic documents: Take hard and soft copies of your acceptance letter, COE and other previous academic records required by your university abroad.
• Health Insurance: Get health insurance that covers medical emergencies, accidents and illness during your study abroad. Obtain your health insurance card if you already got your health insurance. This will make getting claims faster and, most of the time, on the spot only.
• Financial documents: Keep copies of bank statements, credit cards, financial aid documents and international student identity cards (ISIC). Also, inform your bank about your travel plans to prevent issues with accessing funds.
• Medical records: Getting a copy of your medical records before you travel is a good idea. This will be helpful in case you need to see a doctor while you’re abroad.
• Prescriptions: If you take any medications, be sure to pack enough for your trip, plus a few extra days.
• Travel Itinerary: Make a detailed itinerary with flight details, accommodation information and contact details of your university abroad or other people you might know abroad.

Packing List for International Students

• Clothes: Pack clothes that are comfortable and appropriate for the climate of the country you’re visiting.
• Shoes: Pack comfortable shoes that you can walk in.
• Toiletries: Don’t forget to pack your toothbrush, toothpaste, shampoo, soap, and other toiletries.
• Electronics: If you’re bringing any electronics, such as a laptop or phone, be sure to pack the chargers and any other accessories you need. Remember to get a power bank. Keep all the electronics in carry-ons.
• Medications: If you take any medications, pack enough for your trip, plus a few extra days.
• Travel document organizer: Use a documents organizer or folder to keep all your essential documents, such as passport, Visa and other necessary documents, together and easily accessible.
• Water bottle: It’s essential to stay hydrated, so pack a water bottle to stay hydrated on the go.
• Travel pillow: A travel pillow can help you sleep on a plane or train.
• Luggage locks: Lock your luggage to keep your belongings safe.
• Foreign currency: Carry a small amount of local currency for immediate expenses upon arrival.

Don’t forget to check in with your airlines for the weight limit of your luggage and restricted items. Usually, on an international flight, you are allowed to carry 30 kgs of luggage in 2 bags and a carry-on of 10 kgs. Remember, your laptop doesn’t count as a carry-on and doesn’t have weight restrictions. This can vary from airlines to airlines.

Miscellaneous

• Communication: Keep your family and friends informed about your travel plans and provide them with emergency contact details. Consider getting an international calling pack from your service provider to stay in touch.
• Research: Familiarize yourself with the local culture, customs and slang of your study abroad destination. Research local transport options.
• Safety Precautions: Check travel advisories and take a taxi at the airport only from the taxi stand because a lot of European countries are notorious for taxis and other scams. Keep the emergency number saved in your phone.

Pro tip – If you call 911, in most Countries abroad, it gets transferred to their local emergency contact number.

 

• Accommodation Details: Have your accommodation details readily accessible, including address, contact information and check-in procedures.

Studying abroad is a beautiful opportunity for personal growth and cultural exchange. By carefully preparing your pre-departure documents and packing essentials, you can start your journey with confidence and peace of mind. Remember to double-check your packing checklist and make arrangements well in advance.

Contact our team of experts if you need help with your departure preparations, including forex cards or health insurance.

Enjoy the experience, meet new people, and seize the opportunity for a unique adventure! Have a great trip!

First Name Issue in VISA Interviews

“What is FNU?” VISA Interview: First Name Issues
A lot of students have been asking us if having ‘FNU’ on the VISA will lead to difficulties in the US. Hence we decided to write a detailed article explaining the exact meaning of FNU.  

“If you have only one name or if your name appears in only one line in your passport, then on the VISA your full name will only be printed in the surname field and “First Name Unknown”, or “FNU,” will be printed in the given name field.” – (Taken from ustraveldocs.com) 

To begin with, having FNU on your docs is not really a concern. The concern here is whether your passport and VISA stamp matches your i-20 or not.  In the US, your I-20 is the most important document that shows your legal status as an f1 status and your passport is your ID.  While registering for important documents like SSN or driving licence, they will check these docs.
Now, due to various cultural norms, there are variations in the way names are written.  In many cultures, students do not have a last name, but use their father’s name as surname –

E.g. – Shriraj Sukumaran 

Usually, their names appear in one line on their passport and the surname field is blank, something like this—>

Given Name – Shriraj Sukumaran
Last name –

International VISA rules do not allow the surname field to be left blank, so the officers would put your entire name in the surname column and mention FNU (First Name Unknown) in the given name section.
When this happens, your VISA will have your name like this.
First name/Given name – FNU
Last name – Shriraj Sukumaran

However, when you initially applied on the university website, you might have given your name in the First-Name -Last Name format.  Something like this –
First Name – Shriraj
Last Name – Sukumaran

Basically there will be a discrepancy between your VISA stamp and passport as well as your i-20. Several students who have faced this issue, have done one of the following things:

 

1. Before filling the DS-160, they changed their passport name to “Name- Last name” format so that it matches with the I-20.
Passport
Given Name – Shriraj
Last Name – Sukumaran

They would avoid any future issues with documents in USA because i20 and passport name would be identical. (We would advise this only if you have enough time. If you need to book your VISA dates immediately then you need your passport.)

 

2. Changed their I20 name –
Since last name is compulsory for VISA, they asked the university to use ‘FNU’ everywhere in their First name on the i-20 and mention their full name in the surname column. The I-20 name would then match their VISA and passport.

I-20
First Name – FNU
Last name – Shriraj Sukumaran

(again, changing the details on i-20 would need you to contact your DSO and depending on their efficiency, it could take anywhere between 1-4 weeks. You need your i-20 to go for the VISA interview, so plan accordingly)

 

3. Did not make any changes in I-20 and passport name and decided to change the details later, after going to USA. You can change i-20 details at your college and passport details at the embassy in US.

If time permits, it is definitely advisable to work towards bringing about uniformity in the format of your name in these documents while you are in India. Your I-20 and passport are important documents and ensuring uniformity can save you a lot of hassles later on.

If you wish to study abroad, taking the Test of English as a Foreign Language (TOEFL) is an important stepping stone towards achieving your dreams. This standardised test assesses your proficiency in the English language, and it is recognized by universities and colleges worldwide. In fact, TOEFL is the most popular test, accepted by more than 12,000 universities and institutions in over 160 countries. To give you a reference, the other popular English proficiency test IELTS is only in 11,000 institutions in over 140 countries. In this blog, we will explore why TOEFL is essential in your study abroad journey, the test format and some tips to ensure success in this transformative journey. We will also cover the recent updates to the TOEFL-iBT test and how it is now the shortest among the three most commonly used English proficiency tests. 

Why Take the TOEFL?

TOEFL opens the doors to many opportunities for students and professionals worldwide. Below are a few of the reasons why taking the TOEFL is an essential step in your abroad journey:  

University Admissions 

Most English-speaking universities and colleges require TOEFL scores as a minimum requirement for the admissions process for international students. A good TOEFL score improves your chances of acceptance into your dream university.  

Visa Applications 

Many countries use TOEFL scores as proof of English language proficiency when processing student and work visas. A high TOEFL score may strengthen your visa application.  

Employment Opportunities 

Employers abroad often use TOEFL scores to assess language skills in their job applications, particularly in multinational companies and industries requiring English proficiency.  

Scholarships and Grants 

Many educational institutions and organisations offer scholarships and grants to students, one of the criteria they look for is high TOEFL scores, further highlighting its importance. 

Understanding the TOEFL Format

It is essential for Indian students to familiarise themselves with the TOEFL format to prepare effectively for the exam: 

1. Reading: This section evaluates your ability to comprehend academic texts similar to the material you will encounter in university courses.
2. Listening: The listening section assesses your understanding of English in academic settings, such as lectures and discussions.
3. Speaking: In this section, you will express your opinions and engage in conversations based on provided prompts.
4. Writing: The writing section tests your ability to construct coherent essays based on given topics.

New Changes in TOEFL Format

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Reading Section: This section comes with only two reading passages with 10 questions each. 

Unscored Test Question: All unscored test questions have been removed. 

Writing section: A new writing task called ‘Academic Discussion’ replaces Writing Independent Task 2. In this task, students will be asked to state and support an opinion on a given topic in an online class discussion. 

TOEFL Test Prices

Advantages of TOEFL

1. Widely Accepted 

TOEFL scores are accepted by over 12,000 universities, colleges and institutions in more than 160 countries. Making it the most widely recognized English language proficiency test, making it one of the best choices for students looking to study abroad.  

2. Credibility and Fairness

The TOEFL is developed and administered by Educational Testing Service (ETS), a reputable organisation known for its standardised testing expertise. All tests are scored using a combination of human and Artificial Intelligence scoring.  

3. A Better Test Experience

• More Opportunities to Register: You can register online for your test up to two days before the scheduled date. 

• Free Practice Test: Get ready for your test day by taking a complete practice test. 
• Shorter Test: It takes approximately three hours (paper-based) or under 2 hours (internet-based) to complete all the necessary tests. 
• Instant Scores. You can check your unofficial Reading and Listening scores once your test is complete. 
• Faster Official Scores: You can receive your complete and official test scores within 4-8 days after taking the test (or 11-13 business days for the Paper Edition). 
• MyBest Scores: Display your top overall test performance with MyBest scores, which merges your highest section scores from the last two years.  

4. Enhanced English Proficiency

While preparing for TOEFL, you can significantly improve your English language skills, making you more confident and proficient in academic and professional settings.  

5. Option to take it from Home

You can take the TOEFL-iBT from the comfort of your own home. If you have decided to take it from your home, do make sure your computer and the room you are taking the test in meets ETS’s minimum requirements. 

https://www.ets.org/toefl/test-takers/ibt/register/at-home-requirements.html#accordion-ee9441c3a9-item-ebd888c438  

6. Test Security

ETS has robust security measures to maintain the integrity of TOEFL. This ensures that all the test takers have an equal opportunity to demonstrate their abilities without any unfair advantage. 

7. Access to Preparational Materials

ETS offers a wide range of official preparation materials, including mock tests, study guides and online resources. These materials will help you familiarise yourself with the exam format and improve your skills. 

TOEFL Exam Preparation Strategies

To score high in TOEFL and get admission to your dream university abroad, consider the following strategies: 

 1. Start Early: Begin your TOEFL preparation well in advance to allow ample time for practice and improvement. 

 2. Emphasise Language Skills: Focus on developing all aspects of language skills – reading, writing, listening, and speaking. Regularly practise with study materials and engage in conversations with native English speakers. 

 3. Join TOEFL Training: Enrol in TOEFL coaching and preparation programs tailored for students. These courses offer insights into the exam format, strategies, sample tests and tips for scoring higher. 

(Can provide a link to the TOEFL coaching page) 

 4. Online Resources and Practice Tests: Utilise online resources, TOEFL mock tests, and official TOEFL practice materials to become familiar with the test format and build confidence. 

 5. Study in a Group: Collaborate with peers who are also preparing for the TOEFL. Group study sessions can offer valuable feedback and motivation. 

 6. English Language Immersion: Immerse yourself in English media, such as movies, books, podcasts, and news articles, to enhance your language proficiency. 

 7. Set Realistic Study Goals: Create a schedule that allows regular practice and review. Set achievable milestones to track your progress. 

 8. Simulate Test Conditions: Take practice tests under timed conditions to simulate the exam environment and improve your time management skills.  

The TOEFL acts as a gateway to many global opportunities, giving you a chance to pursue higher education abroad, expand your career prospects and experience different cultures. Adequate preparation, dedication and perseverance are vital to achieving your desired TOEFL score. Remember that succeeding in TOEFL is about memorising English words and mastering the language. This will pave your way to a bright future and enhance your study abroad journey.  

As an Authorised Consultant of ETS in India for TOEFL, Collegepond offers students an exclusive INR 2000 discount on the TOEFL registration fees. Get your discount now.

Connect with our ETS certified faculty in case you have any queries on TOEFL preparation. Book your appointment now.

Studying for an MS degree abroad is a great way to enhance your education and open up a world of job opportunities. However, the expense of pursuing higher education overseas can be a significant hurdle for many students. The good news is that there are various sources of financial aid for studying abroad that can help you with the expenses associated with your MS studies abroad. If you are an Indian student looking to apply for financial assistance for your MS studies abroad, you should know a few things. First, it’s essential to research the different types of financial aid available and determine which ones you are eligible for. Some of the most common options for Indian students include scholarships, grants, and loans. In this blog, we will guide you through the process of applying for financial aid for your MS studies abroad. 

Research and Identify Potential Funding Sources:

Before getting started on your college application process, it is essential to research and identify potential sources of funding. You can consider the following option below:  

1. Scholarships 

Scholarships for International students are among the most popular ways to fund your MS studies abroad. A lot of organisations, governments, universities and private foundations’ scholarships are specially designed for international students. Conduct research to identify scholarships that you are eligible for and that align with your field of study, nationality, academic achievements and personal background.  

Here are some popular scholarships for Indian students pursuing MS abroad: 

• Fulbright-Nehru Master’s Fellowships 
• Commonwealth Scholarships 
• Inlaks Shivdasani Foundation Scholarships 
• Tata Scholarship for Indian Students at Cornell University 
• Chevening Scholarships 

It is essential to take time to thoroughly read the eligibility criteria, application deadlines and required documents for each scholarship. Start early, as most of the scholarships can have deadlines months in advance. Keep in mind that persistence and thoroughness are crucial to finding the right scholarships. 

 2. Grants and Fellowships 

They are additional avenues to explore. Many organisations and institutions assist deserving students based on merit or research potential. Look for grants and fellowships that align with your area of study and meet the eligibility criteria. 

 3. Student Loans 

If scholarships or grants cannot fully cover your financial needs, a student loan for study abroad can be an option. Explore study abroad education loan programs that are specifically made for students going abroad for studies. Compare interest rates, repayment terms, and conditions to choose the most suitable loan for your circumstances. There are two types of student loans: secured loans which require a collateral as a security and unsecured educational loans are collateral free loans.  

 4. Employer Sponsorship 

Some companies or employers may offer financial aid or tuition reimbursement programs for employees seeking higher education. Check with your current employer to determine if these opportunities exist.  

 5. Crowdfunding and Fundraising 

In today’s digital age, crowdfunding platforms can be helpful in your financial aid journey. Spread the word about your educational goals and create a compelling campaign that resonates with individuals who may be willing to contribute. Friends, family, alumni networks and even strangers who believe in your potential can become your supporters. 

Understand Application Deadlines

Be vigilant in noting down the application deadlines for financial aid programs, as they may differ from regular admission deadlines. Missing a deadline can result in losing out on potential funding opportunities or waiting for the whole year. Make a list of deadlines and ensure that you meet them. To manage application deadlines, follow these steps: 

 1. Begin researching the financial aid programs you intend to apply for. Take notes of their specific deadlines and compile them into a list. This list will serve as your reference throughout the process. 

2. Once you have compiled the list of deadlines, prioritise them based on the importance and suitability of the financial aid programs. By prioritising this, you can ensure that you have allocated sufficient time and resources to meet the most critical deadlines first. 

3. Using a prioritised list, create a timeline that outlines the application and key dates leading up to each deadline. 

4. Use technology to your advantage by setting reminders and alarms for each deadline. 

5. Keep in mind that gathering the necessary documents can take time. Plan ahead, allocate ample time for this task, and consider any potential delays or unforeseen circumstances. 

6. Before submitting your applications, double-check all the requirements and make sure you meet them in their entirety. 

7. Whenever possible, aim to submit your financial aid applications well before the deadline. Submitting early can provide a buffer in case of any technical issues or last-minute complications. 

Prepare and Organise Required Documents

To apply for financial aid, you will need to provide specific documentation. The requirements of these documents might vary. Some standard documents include: 
1. Academic Transcripts 

Gather all your official transcripts from your previous education institutions, demonstrating your academic performance and qualifications. 

2. Letters of Recommendation 

Get letters of recommendation from your professors, employers or professionals who can attest to your abilities, achievements, and potential for success in an MS program. 

3. Statement of Purpose 

Write a compelling and well-structured essay highlighting your motivations, career goals and how the MS program will align with your aspirations. 

4. Financial Documents 

Keep a record and copy of documents such as bank statements, tax returns, or proof of funding to demonstrate your financial need. 

Submit Applications

Once you have gotten a hold of all the necessary documents, carefully review and complete the application forms for the financial aid programs you wish to apply for. Do also look for any additional requirements or supplementary essays that may be requested. Make sure that everything is submitted before the deadline.

Seek Guidance and Support

Finding and applying for financial aid applications can be a complex process. Seek guidance and support from career counsellors or education consultants specialising in studying abroad. They can provide valuable insights, assist with application requirements and offer advice to your specific situation. 

Stay Persistent and Explore Alternative options9

Remember that many students are applying for financial aid, so the competition will be fierce. Don’t be disheartened if your application is not successful. Keep in mind this is not the end of your study abroad journey. Continue exploring alternative funding options, such as part-time jobs or work-study programs. Even though working a part-time job and studying full-time comes with its own challenge, it can be done. After the initial financial help, many students studying abroad find part-time jobs and pay for their expenses with minimum financial assistance.  

Securing financial aid for Indian students to study abroad may require some extra effort, but it is definitely within your reach. Through thorough research, strong applications and exploring different avenues for financial support, you can make your dreams of studying abroad a reality. Remember, the journey may have its challenges, but the opportunities for personal and academic growth are endless. You are not alone in this journey; we are here to support you every step. So go ahead, chase your dreams and embrace the exciting opportunities that await you! If you need any assistance in chasing your dreams abroad, connect to our team of experts to guide you.  

Best of luck on your financial aid journey and pursuing an MS abroad!