What Is Federal Work-Study Award And How Does It Work?

The Federal Work-Study Award also known as the FWS award is designed to help university students find a part-time job opportunity and countervail college expenses. The program is supervised by the US Department of Education. This acts as one way of financial aid that the government makes feasible to students who require money with college expenses. 

The program entirely relies on the federal government and their funding, but the participating colleges have to play a huge role in allocating money to their students. Their job includes administering work-study openings. According to public research, there are 3,400 colleges & universities along with professional schools that have cooperated and become a part of the work-study award program to some extent. 

Although the administrative technicalities of work-study may differ from college to college, a large scale regulation governs the program. 

Here Are The Fundamentals Of A Federal Work-Study Award

  • The Department of Education donates money: This money is provided to the schools that participate in the FWS award program. The amount depends on two main factors; one is the financial requirements of the student body of that school and the other is the number of work-study jobs available.
  • Student Selection: The Student selection for the Federal work-study award entirely depends on the schools. It depends on their extensive financial aid package that also includes grants and loans. 
  • Job location: The students who obtain the designated work-study program gets a job on campus or local community, Once hired, the student earns the amount of money that was defined in the federal work-study award letter.

This may seem like any other conventional part-time opportunity to many but it has many different beneficial aspects. The federal work-study award is distinct because there is a role of federal funding. For every student to avail of this, the federal government pays a portion of the student’s payments, while the school takes care of the rest. In a few cases, the government pays most (or all) of the bill/expense. 

This means that schools have a great incentive to hire work-study award students for different job positions all across the campus. They can pitch in and help their students to make ends meet through solid part-time opportunities – and pay marginally less for the labour. 

The same goes for students, the benefits are significant. Most work-study positions are fun, fulfilling, and interesting as they are designed to be flexible and feasible for the student to accommodate with studies. Moreover, the job is particularly designed for work-study students which means the pool of competition is comparatively smaller. 

One more advantage of a federal work-study award letter is that it can fuel your resume and help your career later. While you are earning the money to afford student life, you can build your resume alongside. If you look at the end of your academic year, who wouldn’t want to have minimum debt and more work experience?

Who Is Eligible For Work-Study Program?

Work-study opportunities are made available to a massive number of students on different educational paths. In the end, it entirely depends on the schools to decide which students will be offered this award and how much they will earn from it. To be considered for the work-study program, here are some basic eligibility criteria.

  • You must be a current student in an undergraduate, graduate, or professional program. The students who are a part of the vocational program certify as professional students. 
  • You must be enrolled in a degree-seeking program (part-time or full time)
  • You must be enrolled in a school that is participating in the FWS program.
  • You must demonstrate and prove your need for financial assistance in deal with costs of college and other related expenses

To apply for financial aid, your first step is to complete the FAFSA known as the Free Application For Federal Student Aid. This is an extensive document that helps your school understand your financial resources. 

What Kind Of Federal Work-Study Award Jobs Are Available?

There are various part-time job positions available that may surprise students sometimes. Most colleges offer a mix of service, administrative, teaching roles, and research. This is by no means an extensive list but gives you a good sense of understanding of the opportunities available.

  • Tutor Roles: Usually the tutors and teaching assistants are work-study recipients. They earn this position by being exceptional in a particular subject. Hence they teach it to others.
  • Admissions and student life roles: Work-study students perform exciting and fun gigs like leading the campus tours for potential students. They even lead orientation groups for freshmen or serve as a resident assistant (RA). All these roles are highly interactive and help you develop your interpersonal skills. You can even make valuable sources through them when done right.
  • Research Role: Many students earn by helping the laboratory or library faculties with their research projects. These students earn their positions through academic brilliance. 

Work-study students perform jobs that keep the colleges running and if these options do not speak to you, then you can even go ahead and look for off-campus work-study jobs in the local community. Good luck! 

Let us know your thoughts on the Federal Work-Study Award in the comments below!

If you liked this blog on “What Is Federal Work-Study Award And How Does It Work?” then go ahead and check out our other related blogs linked below!

How And Where To Study In Europe For Free

Wondering where to study in Europe for free? Well, Europe offers free education and plenty of options for affordable learning for international students. In some European countries, education is free whereas some offer free education to only EU students. Your study abroad dream in Europe will become a reality regardless of your financial situation. There are world-class institutes that offer free tuition for students (international as well). You might have to give administration fees which are hardly a few hundred euros but that’s all. 

If you are planning to study abroad, then these European countries will be your most affordable option to get inexpensive degrees from top universities. 

Note: Living costs/Health insurance are not included. (You can still apply for scholarships to cover that cost if needed)

Norway | Study In Europe For Free

Our numero uno choice for international students to get high-quality education with zero cost is Norway! The Norwegian Government uses the taxpayers’ money and funds education for native and international students. This way you can enjoy a free ride to any state university. But here’s the catch, the living cost in Norway can take you as high as NOK 8,990 which is approximately 1,200 per month. This will cover everything, from room cost, board, healthcare, clothing, transportation, and miscellaneous expenses. Hence, you can manage your college budget accordingly.

In Norway, there are a total of 8 universities which has 20 state university colleges. This Scandinavian country boasts top universities like the University of Oslo, University of Stavanger, University of Bergen, Norwegian University of Life Sciences, University of Nordland and the University of Agder (UiA) that offers free tuition for everyone. 

Germany

A powerhouse for engineering skills worldwide, Germany is one of the top nations in Europe where you can pursue higher education at zero cost. Almost every public university does not charge any tuition fee. This means all you have to pay is the administrative fee which is as minimum as €150-250 which is comparatively less to Indian universities. 

Just recently only four out of sixteen federal states have started charging tuition fees for undergraduate programs – Bavaria, Hamburg, Baden-Wurttemberg, and Lower Saxony – costing as low as 500 Euros per semester. All other federal states only request a small contribution from the students of 50 euros with no tuition fees every semester. Also, Germany offers a great lifestyle to its students. 

Sweden | Study In Europe For Free

Almost a decade ago till 2010, Sweden was offering no tuition fee for anyone who wished to study in this country. But well, all good things come to an end, and a law was passed by the Swedish Parliament where they must charge tuition and application fees for non-EU and EEA students. But there are also several scholarship programmes offered. 

Even with tuition fees universities are offering full scholarships for international students. Below I will mention some top tuition-free Swedish universities.

  • Halmstad University
  • Uppsala University
  • Lund University
  • Stickholm Unviersity 
  • Jonkoping University
  • Stockholm School of Ecnomics 

The University of Uppsala was founded in 1477. It is a leading university that ranks amongst the best universities in Northern Europe. 

Finland

Finland did not charge any tuition fees for any kind of education level irrespective of the students nationally. But only till 2017, post that it started charging tuition fees from non-EU and EEA students. This was only for English taught Bachelor’s and Master’s programmes. You can find some of the best and well-known courses in this country, like architecture, design, and communication at considerable prices for international students. The country also offers a distinctive polytechnic college offering where practice-based education can be experienced. 

The University of Turku and the University of Helsinki are the top ranking universities preferred by foreign students in Finland. Students must cover their living expenses. 

France | Study In Europe For Free

The reason France has made it to the list is because of the top-notch education but at quite low prices. France does not offer free tuition fees but for EU students and French nationals, the cost is pretty low. Whereas for international students the cost is low as compared to nations like the US, the UK, Australia, or Canada. The fees for international students in public universities can be around 2,800-4000 Euros per year. 

France is offering more and more English courses for Bachelor’s and Master’s programmes. This attracts a flock of international students every year. France also has a number of scholarship programmes for students that can further help your cost of living.

Austria

The universities in Austria offer courses at quite low prices as it is not tuition-free entirely. For EU and EAA students, it is almost insignificant. The cost for non-EU students can be more than a thousand euros per semester. 

The top-ranking universities in Austria are the University of Vienna, Vienna University of Technology, Medical University of Vienna, and the University of Innsbruck. Students prefer to study in these universities mainly when they come to study in Austria. It is also said that if you are a citizen of a less developed nation with an unfortunate financial situation then you may not have to pay a dime at all. 

I hope that these beautiful European countries inspire you to study abroad and pursue your dreams. With rich education, these countries are also filled with stunning natural beauty,  exposure to global outlook and opportunities. 

If there is anything that you would like to add, feel free to comment your thoughts down below!

Enjoyed this blog? Well, let’s check out some more study abroad related topical blogs linked below!

How Much Does A College Credit Hour Cost

The college credit hour cost entirely depends on the type of institution, country/state where the college is located and tax benefits plus grants. On average, a student can expect to pay as little as $0 to as much as $1,500 per credit hour in university. 

The Approximate College Credit Hour Cost In Different Universities

The cost per credit hour in a non-profit college for a four-year undergraduate course is approximately $530. Assuming that there is a 12 credit hour course load per semester (annually it calculates to 24 credit hours). In addition to the payment of full tuition and fees. 

The cost of credit in a private institute for the four-year undergraduate course based on average fees and tuition can be $1,537. Whereas the cost per hour credit in a community or a vocational school is likely to be even $0 when accounting for tax benefits and grants. 

The cost of credit fluctuates massively when compared to out-of-state to in-state credit hours. For instance, the University of Florida charges in-state students $266 a credit hour. Whereas for out of state students, tuition and fee per credit hour are $1,194. This accounts for almost 4.5 times more. This is noticed in a lot of US and Canadian universities where the cost of a college class differs massively between in-state and out-state students. 

The College Credit Hour Cost Spurs When Room And Food Are Included

The per credit hour cost when included with housing and meal plans increases a lot depending on where you choose to live. Whether you choose to live on or off-campus. When accounting for these two things, the cost of credit can be more than even double. 

  • $530 at community & vocational colleges in the district
  • $915 at a public four-year undergraduate course for in-state colleges
  • $1,597 at the public four-year undergraduate course for out-state colleges
  • $2,078 at a four-year private college or university.

These are all approximate costs as it can differ from university to university.

Variations Between The In-Stet and Out-Of-State College Credit Hour Cost

It was noticed that the average four years state public cost of a college class was three times higher than in-state tuition in the below-given states:

  • California
  • Florida
  • Indiana
  • Montana
  • Alaska
  • North Carolina
  • Utah
  • Washington state
  • Idaho
  • Wyoming

Students studying at community and vocational colleges gain a considerable amount of aid from federal state and local governments. This aid on average covers their tuition and fees, making the college credit hour cost virtually zero. Which is why students who wish to study abroad choose countries like Germany, the US, Canada and admit into public universities to cut their tuition fee cost. This only requires them to pay expenses of room and board. But a local student or someone staying at home could attend a local college if they wish to save money. 

Note:

  • The government aid entirely depends on the household income and whether you have filed yourself as a dependent.
  • The tuition cost that you see on a university website is quite not the same as what students pay. Depending on your institute, you can further cut down your cost

Need Help With Selecting The Right College? Here Are Some Tips:

An Economical Option: Community and vocational degrees are the least expensive option for cost per credit hour. Students can even consider taking the first year of their credit hours at a public university to save up enough. They can then change into a four-year institution. Certain states in the US, like Nevada, Delaware, and New York offer scholarships to students to cover the cost of their college tuition

Premium Option: The fours year private colleges fall under the premium courses. They are very expensive but grants can be a powerful source of aid. To make sure you have all the documentation in place and don’t miss out on any opportunity, complete the FAFSA i.e, Free Application for Federal Student Aid and any other forms that your institution or state requires. Some grants have these forms in their requirements along with other necessary documents like personal statements and grade transcripts. 

Unique Option: A four-year public in-state colleges are unique options where you can go for WUE or MSEP for any kind of tuition reduction. 

Student Loans: If you choose to take student loans, consider a federal loan as these are funded by the government and the repayment policies are not strict as compared to the private ones. There are also options for repayment plans and sometimes forgiveness of loans if you are a part of public service. Though it won’t cover the entire cost for you, a private student loan with a minimal interest rate can bridge the gap. 

If you liked this blog on “How Much Does A College Credit Hour Cost” then make sure you check out other student-related blogs linked below! 

Which Are The Top Universities Without IELTS?

If you plan to study abroad and have researched about foreign universities, you might have noticed that most universities abroad require students to pass an English language test like IELTS, TOEFL, or other tests. This is because most courses are taught in English and English is the main or official language for communication in foreign countries. However, many universities acknowledge that IELTS or other tests are not a compulsory requirement, especially if the concerned student has completed their education with English as their primary language, received high marks in the subject, undertaken an Intensive English Language Program, or given other tests to prove their proficiency in English. It is totally possible to study abroad Without IELTS. In this article, we have compiled a list of the top universities without IELTS across the world. You can easily study abroad without IELTS in these universities.

Universities without IELTS in the USA- 

State University of New York

 Located in Albany, New York, this is a public university that gives admission to international students without IELTS if they undertake the Intensive English Language Program (IELP). This university is at the top of the list of Universities Without IELTS requirements.

 University of Iowa

This university is located in Iowa City and is a public research university.  It admits international students if they qualify for admission even if they do not take the IELTS exam. This is one of the best universities on the list of Universities Without IELTS requirements.

University of Arkansas

 This is a public research university that is situated in Fayetteville, Arkansas. If students are eligible for admission to this university they need not undertake the IELTS but must instead take up the Intensive English Language Program (IELP).

University of Dayton

This is a private research university owned by the Roman Catholic Church and is located in Dayton, Ohio. It grants conditional admission without IELTS if international students take up the Intensive English Language Program (IELP).

If you are an Indian student who needs help with student loans, all you have to do is fill the form in this blog.

University of Delaware

This university is a public research university that admits international students if they meet the admission requirements and criteria even without IELTS or proof of English language proficiency. 

University of New Orleans

This is a public research university situated in New Orleans, Louisiana, US. It offers conditional admission to international students from specific countries without IELTS requirements.

List of universities in Canada without IELTS for you to study abroad without IELTS in these universities-

  1. University of Saskatchewan 

This university accepts students without IELTS if they produce  CanTEST scores or undertake an English Training Program at the university

  1. Cambrian College 

 This college is situated in Ontario, Canada and admits students without IELTS if they undertake an English Training Program at the university.

  1. The University of Winnipeg 

This university is situated in Manitoba, Canada, and accepts students from various countries without the IELTS test if they undertake an English Language Program at the university after admission.

  1. Memorial University of Newfoundland and Labrador 

This university is situated in St. John’s, Newfoundland and Labrador, and admits students without an IELTS test if they undertake an  English Language Program at the university or produce high CanTEST or CAEL scores.

  1. Brock University 

This university is located in Ontario and admits students without IELTS if they undertake an Intensive English Language Program at the university. This is one of the top universities without IELTS in Canada.

  1. Carleton University 

This university admits students without an IELTS if they produce transcripts for the last three years of their study in an English language course. 

Australian top universities without IELTS for you to secure admission in universities without IELTS-
  1. The University of Queensland– You can secure admission to this university if your previous degree was taught in English or if you have professional experience in an English-speaking work environment. This is one of the top universities to study abroad without IELTS.
  2. The University of Adelaide – You can secure admission to this university without IELTS if your previous degree was taught in English or if you are willing to enroll in an English preparatory course. 
  3. Bond University – This university admits students without IELTS if they produce a relevant PTE certificate or C1 Advanced certificate.
  4. Swinburne University of Technology  You can secure admission to this university without IELTS if your previous degree was taught in English, if you attend an English language course, or if you can provide a PTE or Common European Framework certificate as proof of your English proficiency. 

Going further, some of the top universities in the UK for you to secure admission in universities without IELTS – The University of Warwick, Birmingham City University, The University of Bristol, London Southbank University, Northumbria University,  The University of Bolton, Portsmouth University, Aston University, Swansea University, and The University of Plymouth.

Some of the top universities in Germany without IELTS requirements include the University of Kaiserslautern, University of Siegen, Free University of Berlin, University of Giessen, University of Koblenz and Landau, and the Braunschweig University of Technology (TU Braunschweig)

Shortlist your chosen colleges wisely, not just on the basis of them offering an IELTS waiver but their curriculum, reputation, and the faculty. Also, make sure that the countries you apply to don’t make TOEFL a compulsory requirement for the issuance of student visas. 

We hope you enjoyed this blog on the top universities without IELTS. To know more about related fields, do check out our other blogs.

7 Common Student Money Problems And How To Overcome Them

University can be an exciting place for growth and self-discovery, but it’s also a place where many young adults develop poor money management habits. If not addressed, these bad habits can often stick with students long after they’ve graduated. Check out this blog to be aware of the 7 most common student money problems and also learn some tips and tricks to overcome them.

Student Money #1 Problem 

Not Taking Advantage of Financial Aid

By not applying for financial aid, which comes in the form of grants, federal loans and work-study programs, you are creating a mountain of problems that will sting you after you graduate. 

Solution 

Take time to search for different forms of financial aid. This could mean browsing the internet for scholarships, grants, education loans, etc. One of the best sources of financial aid for students, especially in the USA, is Free Application for Federal Student Aid (FAFSA). By filling out a Free Application for Federal Student Aid (FAFSA), you could get additional funding for your college expenses.

There are organizations out there like UniCreds and UniScholarz that allow students to access financial aid in the most hassle-free way.

With UniCreds, students can find a safe and reliable education loan that covers 100% of their study abroad expenses. Moreover, they can find education loans that are collateral-free and have low interest rates. Simply head over to UniCreds and book a free consultation session with an experienced advisor. 

UniScholarz allows students to find the most popular scholarship programmes in the world, on one platform. Students who wish to study abroad in countries like the UK, the USA, Australia, Canada, Ireland, Spain, France, and many other countries, can sign up for free and find the best scholarships that match their academic profiles. Go to the UniScholarz website today and apply to as many scholarships as you like, free of charge!

Student Money #2 Problem 

Not Tracking Your Expenditure

One of the main student money problems is finding out where your money goes. Debit cards and credit cards cause many students to develop bad money habits as there is a fine line between what they can afford to pay for and what they can afford payments on blurs.

Solution 

Solid money management is being aware of where your money goes. While figuring it out might be laborious, this practice has proven to be very useful even for the most seasoned finance professional. We recommend that you track your spending for at least 2 weeks. You can use a little notebook or an app to track where your money is going. You might want to track what you spend on certain types of expenses, e.g. coffee or drinks out, or maybe tracking what you spend in certain stores. Either way, you need to have at least 2 weeks’ worth of spending information jotted down. And just be sure to track what you’re actually spending, not what you think you should be spending.

Student Money #3 Problem 

Not Creating a Basic Budget

We bet you won’t be surprised if we tell you that one of the most common financial problems for university students is not having a budget. Without the help of a basic budget, students may have a hard time keeping their money in good order. 

Solution 

You need to first be serious about creating a budget. Start by listing your expenses — such as tuition, rent, books, food, school supplies, computer equipment, clothing and entertainment — and income. Don’t forget to include one-time expenses, which can consist of things like travel costs for spring break and the holidays.

Then you need to set limits to how much you will spend on specific categories. For instance, dining out or entertainment. If it’s your first time creating a budget, you can ask your parents or an older sibling who has gone through the ropes to assist you. Also, if you receive financial aid and get a refund check, which can happen if there’s more money than what’s needed to cover your student account bank balance, develop a plan for how you’ll spend that money. Remember: If it’s coming from student loans, it’s money you’ll need to pay back eventually. So earmarked funds for that.

Student Money #4 Problem 

Not Knowing the Difference Between Wants & Needs

Are you frequently bombarded with photos of enticing items with convenient “purchase now” buttons? Many individuals are more likely to acquire things they don’t need in the digital era. Don’t be a victim of frivolous shopping.

Solution 

But before you make an impulsive purchase, take a step back and ask yourself these 3 questions:

  • Will this product make my life easier?
  • How will this product add value to my life?
  • How many times will I actually use this product?

Of course, you will occasionally buy a “want,” but making a 30-day list could help you curb your spending. Make a list of non-essential items that you want, and if you still have that nagging desire for something after 30 days, only then consider making the purchase. Then, look into ways you can get a deal, such as using an online coupon or student loyalty cards or purchasing the item during a sale.

Student Money #5 Problem 

Not Creating A Plan To Pay Off Your Debt

If you have student debt (like repaying multiple student loans) that has slowly accumulated over a number of years, you need realistic debt solutions that work for your lifestyle and not quick fixes that you can’t live with for the long term. 

Solution 

Keep in mind that dealing with debt sooner rather than later leaves you with a lot more financial freedom. That said, many people delay getting debt help because they’re either embarrassed or don’t know what to do. Here are some tried and tested solutions to dealing with your student debt:

  • Pay more than the minimum
  • Spend less than you plan to spend
  • Pay off your most expensive debts first
  • Buy a quality used car rather than a new one
  • Reduce your grocery bill
  • Get a second job and pay down your debt aggressively
  • Track your spending and identify areas to cut back
  • Get a consolidation loan
  • Speak with a credit counsellor

Student Money #6 Problem 

Not Improving Your Level of Financial Literacy

One of the best things any high-level university could instil in its students is the desire to learn more. However, many graduates still have a very basic level of financial literacy. This problem could leave you with crippling financial debt even years after you graduate.

Solution

Any degree of learning from our mistakes is worthwhile, especially when we’re educating ourselves about how to manage our money and debt better. Improving one’s level of financial literacy is always worthwhile. But remember, there’s no sprint to the finish line; it’s all about the journey. Here are some ways you can become a master at managing your finances – 

  • Subscribe to financial newsletters
  • Listen to financial podcasts
  • Read personal finance books
  • Use social media
  • Start keeping a budget
  • Talk to a financial professional

Student Money #7 Problem 

Credit Card Trouble

A credit card is a great tool to help you meet costs, but it is a very bad idea when you have no proper income. Common risks include getting caught in a debt trap and only being able to pay off your interest while making little impact on the debt itself. 

Solution 

The greatest approach to prevent this type of debt is to avoid it in the first place. If you do find yourself in trouble, prioritise paying off this debt. Cut back on everything you can, seek financial aid from relatives, and search for methods to generate extra money to pay off the debt. If you believe you have the financial acumen to handle a credit card, then read this blog on Best Credit Cards for International Students 2021 to get an idea of the best credit cards in the market.

We hope you enjoyed reading this blog on 7 Common Student Money Problems And How To Overcome Them. Also, do not forget to check out some of our other blogs like – 

Your Guide To UK’s University Clearing and Adjustment 2021

If you aspire to study in the UK but have been unable to find a place to study because you’re late in seeking admissions or didn’t meet the eligibility requirements of your target college, you can still turn your dream into reality. With the help of University Clearing and Adjustment in 2021, you will be able to study your choice of degree at one of the leading universities in the UK. 

Before guiding you through the UCAS Clearing and Adjustment process, let us first understand what clearance and adjustment in the UK is. 

What Is UCAS Clearing And Adjustment in the UK? 

Clearing is the system employed by the Universities and Colleges Admissions Service in the UK (UCAS) and UK universities at the end of the academic year to fill course places that haven’t been filled up. Every year thousands of places are allocated this way, and it’s certainly not about getting rid of the courses that nobody wants.

There are lots of reasons why places may not be filled. Clearing is ideal for students who have missed out on the university requirements because they were unable to attain the required grades or for those who got better grades than they expected. Whatever your situation, Clearing is designed to help you get everything sorted on a course you’ll love. 

UCAS Adjustment 2021 

Adjustment is a chance for you to reconsider where and what to study, especially if you got better grades than you expected. If you have accepted a conditional choice and therefore turned it into an unconditional choice – you could potentially swap your place for one on another course you prefer.

It’s entirely optional, and a lot of competitive courses will be full – but other applicants might have missed their conditions or swapped a course too, so it is always worth it to see what’s available. Adjustment is available from A level results day, until 18 August 2021.

Looking for International student loans UK without collateral for your study abroad dreams? We’ve got you covered. All you have to do is, fill the form on this page! 

Clearing Plus

If you find yourself seeking University Clearing and Adjustment in 2021, UCAS will match you to courses you may be interested in on priority, using what they know about you from your application, and what universities and colleges are looking for in a student. UCAS will match the right student to the right university with the right degree

If you’re unplaced or have started a new application, a button will appear in Track – ‘My matches’ in your application. This will take you to your top 50 course matches. You’ll then be able to select the universities and colleges you’re interested in. If they still have vacancies and you meet their entry requirements, you may get a callback.

Here are the five things you should know before applying for UCAS Adjustment through Clearing Plus: 

  1. Everyone has a match: First, UCAS will match you to every course. UCAS will then take from you all your information such as, your choices and your qualifications, what universities and colleges are looking for, and what previous students like you have studied. 
  2. You can do this for multiple years: If you’re a new applicant, you’ll still be matched to every course. Instead of filtering your matches by your previous choices, UCAS will base your matches on the qualifications.
  3. You have several options: You don’t have to settle for less. You can still browse all courses (if you do not like the one UCAS matched you with) with the Clearing vacancies search tool. Find a course, contact the uni, add a Clearing choice. It’s that simple. However, remember that saying you’re interested in a course through Clearing Plus doesn’t guarantee an offer.
  4. Don’t apply for Clearing plus if you have better grades than expected: In this case, you must apply for Clearing Adjustment instead of Clearing plus. 

How To Apply For University Clearing and Adjustment In 2021?

Step 1: Asking for Advice 

The first step in applying for UCAS Adjustment and Clearing is to seek advice from your school, college, centre, or careers office; they will talk you through alternative courses/subjects. If you’re applying independently, you’ll find everything you need to know about the Clearing process on ucas.com. 

Step 2: Research the Subjects Available 

Use the search tool to find courses which is the only official vacancy list, so it is always up-to-date. Consider different subjects so that you do not limit yourself to just a few choices. If you want to mix things up a little, you may also choose the joint degree programs. All universities update their course information regularly. You might not find the exact unis/colleges/courses you were looking for, some might be full, but some might get vacancies on a later date. 

Step 3: Add your Clearing Choice in Track

Only add a Clearing choice once you have permission from the university or college.    

  • Click ‘Add Clearing choice’, and fill in the course details by the date the university/college gave you on the phone.
  • This counts as you definitely accepting the offer from the university, so if they confirm, it’ll show as an acceptance on your ‘Choices’ page in Track.
  • You can only add one choice at a time, but if the university/college doesn’t confirm your place, you’ll be able to add another.

Thanks for reading this blog on Guide To UCAS Clearing 2021. If you are interested in learning more about student finances and studying abroad, the following articles should interest you: 

  1. 9 Common Financial Terms That You’ll Come Across As A Student
  2. 8 Best Finance Books of All Time That You Must Read
  3. How To Manage Finances Effectively As A Student

What Is It Like To Study In Switzerland For International Students?

Switzerland is without a doubt one of the most beautiful nations in Europe. With a population of over eight million people, the country’s world-class institutions attract a large number of potential students searching for a good education. This country has a truly international flavour, thanks to influences from surrounding countries such as France, Italy, and Germany. If you’re an international student who wishes to study in Switzerland, trust me it’s going to be one of the most memorable experiences of sorts. In this article, you can explore everything you need to know regarding studying in Switzerland for international students.

Switzerland is one of the top study abroad destinations due to its affordable study costs and high living standards. The country’s higher education system is likewise well-known across the world for its strong educational and research standards. With Switzerland being a significant tourist destination in Europe, hotel and hospitality management is one of the most sought-after fields of study.

Cost Of Studying In Switzerland


Compared to other countries offering study abroad opportunities to international students, you do not have to worry much about your tuition fees to study in Switzerland. The Swiss education system is mostly public-funded, making it one of the most affordable places to study abroad. On average, your fees can range from 15,000 Swiss Francs to 40,000 Swiss Francs per year. For international students, the Switzerland study abroad costs might add up to a few extra Swiss Francs at some universities.

An application to any university in Switzerland costs between 50 and 250 Swiss Francs, depending on the cost of study in Switzerland. In addition, academic entry exams would cost approximately $500, with score reports for standard tests to study abroad such as the GMAT, TOEFL, and IELTS costing around $50.

Cost Of Living In Switzerland


As an international student, your tuition fees are pretty affordable, especially if you apply for scholarships to study in Switzerland. But you should keep in mind that you have other costs to bear in mind, and they are as follows:

  • Accommodation
  • Food
  • Transportation
  • Supplies
  • Other activities

The average monthly cost of living in Switzerland for a student is about 1165 Swiss Francs to 1630 Swiss Francs. However, living expenditures, excluding study fees, differ depending on where you reside. If you want to live comfortably, you need to set aside between 1,000 and 1,400 EUR each month.

If you’re an international student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

Top Switzerland Universities For International Students


If you wish to study in Switzerland, there are top-notch universities offering a wide range of courses and catering to the requirements of international students. The degrees acquired at Swiss universities are recognized around the globe. Moreover, with a large number of international students flooding the country, Swiss universities have adapted programmes in English. The following is a list of the top universities in Switzerland offering programmes in English as well as regional languages:

EU Business School


The EU Business School, founded in 1973, is an institution that provides the foundation, bachelor’s, master’s, MBA, and doctorate programmes in areas that enhance entrepreneurship, innovation, and leadership. The school invites students to participate in exchange programmes, both within Europe and with partner institutions across the world, through its global network. If you are planning to study in Switzerland at an English medium university, EU business school would top the list.

American University In Switzerland


Founded in 1963 as the American College of Switzerland, the institution changed its name to the American University in Switzerland in order to reflect its expanding worldwide education stature. This international institution is one of Switzerland’s top universities and provides business degrees at the bachelor’s, master’s, and doctoral levels, as well as a summer programme.

International University In Geneva


Geneva International University is a non-profit Swiss Foundation of Higher Education that was formed in 1997. It is one of Switzerland’s top 10 business schools, and with graduate and undergraduate programmes, it is an excellent choice for foreign students to study in Switzerland. All undergraduate programmes result in a double degree: students graduate with a specialised degree from the International University in Geneva and a BSc (Hons) in Business Management from the University of Plymouth (UK).

Business And Hotel Management School Of Switzerland


BHMS is one of the world’s most prestigious hospitality schools. Its distinguishing feature is that it has developed the fastest BA degrees without jeopardizing the quality of education. What they have done is that they’ve combined 18 months of studying with an 18 month paid internship. The institution also has a Preparatory English Programme to ensure students maximize their development before starting a full academic programme.

Other Swiss Universities That Are In Demand


Apart from the aforementioned universities, the following universities are known for offering some of the most popular courses that are in demand by international students:

  • University of Geneva
  • University of Bern
  • University of Applied Sciences Northwestern Switzerland
  • University of Basel
  • University of Lausanne

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What Is The Importance Of English In University?

Getting familiar with the English language is not only useful for students but is also a fun experience. English is the official language of over 67 countries and that is why it is referred to as the ‘Global language’. You’ll notice how English is crucial at every point in time, whether it comes to preparing for your tests, giving interviews, studying in an abroad uni, attending lectures, socializing with friends, or even getting placed upon graduation. In this article, you will understand the importance of English in university, and how learning the language is going to help you in the long run, if not now.

Importance Of English In A Student’s Life


The importance of English cannot be overstated, given its widespread acceptance and comprehension globally. Whether a student is pursuing their education, a future profession, or simply being accepted into society, the importance of English in university cannot be overlooked. 

The Internet Loves English 


The internet uses English as its primary language. People who can communicate in English have greater opportunities to use the internet. It is the internet’s global language. The majority of search engines, such as Google, Bing, and Yahoo, are in English. Almost all of the material available on the internet is written in English. Even when studying at your uni, you’ll get your study material via PDFs, word docs, or emails. All of this information is usually passed on to students in the universal language, commonly accepted by international students and locals alike – English. That is where the importance of English for higher education surfaces.

The Language Of International Communication


Language is the primary means through which individuals communicate and socialize. The national languages and sublanguages of each country and area are different. It’s very difficult to learn and understand every language because there are 100+ languages in the world. English is the common language and is very important to master for communication with people from all over the world. The importance of English in university when it comes to communication can be seen in many ways. At your uni, you may wish to interact with your peers, friends, classmates, or the staff. You need to understand that English is the common ground for all that will break barriers and help bridge gaps, just through simple communication. There are commonly used English slang words by college students that you can refer to.

English Opens Career Opportunities


People who can speak and comprehend English can easily find a job in many large and multinational firms. Starting from placements, part-time jobs, and internships, to getting an opportunity as a full-time job purely based on your English language skills, you can see the importance of English in university. Some of the most common careers that you can take up just by knowing the language are:

  • Teaching
  • Writing
  • Sales
  • Marketing
  • Anchoring
  • Reporting
  • Client Servicing

If you’re an international student who requires financial aid and wishes to apply for an education loan, make sure you fill out the form in this blog.

Importance Of English For Going Abroad


Whether you’re applying for a visa or maintaining a study abroad checklist, you will start to understand the reasons why knowing English is important. You will have to attend visa interviews where you may mention why you’re going for your abroad studies. If you do communicate well, the chances of your visa application being rejected are slightly higher. Not just that, when it comes to booking your student accommodation, most of the properties available include details written in English. Likewise, booking your flight tickets, commuting to your uni, going to restaurants, everything requires communication in English. Understanding the importance of English is essential, not only after going to your uni, but even during the pre-university preps which include tests, giving interviews, applying for scholarships, and many more.

Importance Of The English Language For Students In Education


In most schools, colleges, and universities, English is the medium of instruction, especially if you’re studying abroad. For understanding books, lectures, assignments it’s necessary to learn English first. Most of the students want to go to foreign countries to study. Survival without understanding and speaking the language in foreign countries is very difficult. Most of the science subjects and upcoming technology and inventions are also taught in English. Medical Science, Engineering, and Law are 3 main areas of studies where you will understand the importance of English in university. 

Medical Science


Almost all kinds of medical science books are written in English, for study and learning those books understanding the language is very important. All kinds of medical laboratory devices and gadgets are also in English, so for doing practical works and using medical devices and gadgets, getting a hold of the language is a must.


Law

Most law schools communicate in English. Law books and documents are also mostly available in English usually. Whether it is for presentation, communication, or interpretation in the court, English is a mandate.

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The Most Common IELTS Speaking Topics You Will Come Across

As a part of planning your study abroad journey, preparing for IELTS is very important. Your IELTS test scores indicate how well you can adjust to the country and understand what is being taught in your lectures. Most universities choose English as the medium of instruction and therefore acing your IELTS exam is key for getting accepted at universities. There are 4 parts to an IELTS exam: Listening, Reading, Writing, and Speaking. Each part plays a crucial role in contributing towards a good score and scoring well in each of these sections individually also counts. In today’s article, we have covered the most common IELTS speaking topics that you will come across during your test.

The Best IELTS Speaking Test Tips For You


An IELTS speaking test contains 3 parts, each lasting for about 4 minutes. Answering these questions spontaneously will help you get good scores and for that rigorous reading and preparation will be expected on your behalf. In order to help you in this regard, here are some of the top IELTS speaking topics that you can face on your test day. 

Kindly note that these are some of the IELTS speaking sample questions that you may see in the test that will follow your questions about home, work, or study. Remember again that this list is not exhaustive. IELTS are always coming up with new topics or changing current ones, so the IELTS speaking topics you get in the test are likely to vary. However, here are some of the most common IELTS speaking topics.

IELTS Speaking Test Topics: Hometown

  • Where is your hometown?
  • What was it like growing up there?
  • Has it changed much since you were a child?
  • What do you like most about living there?
  • What kinds of things can visitors to your hometown go and see?
  • Do you think you will live there when you are older?

IELTS Speaking Questions: Home

  • Do you live in an apartment or a house?
  • Is it a large apartment/house?
  • Who do you live there with?
  • What is your favourite room in your apartment/house?
  • Is it a quiet or noisy place to live?
  • What can you see from the windows in your apartment/house? 
  • If you could change anything about your apartment/house, what would you change?

IELTS Interview Questions: Studies

  • What are you studying?
  • Why did you choose that particular course?
  • What is your favourite subject?
  • Are you friends with many other students on your course?
  • What job would you like when you have completed all your studies?
  • Will you have to do further studies in the future?

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IELTS Speaking Topics: Work

  • What work do you do?
  • What do you enjoy most about your work?
  • What are your main duties?
  • Is there any other work you would like to do in the future?
  • What do you normally do when you finish work every day?
  • Will you have to do more training for your work in the future?

Usually, most of the IELTS part 1 speaking topics will be around these grounds. Preparing for IELTS requires sufficient planning and research and reading up on these possible questions and keeping your answers ready shows that you’re on the right track. Moving on to popular IELTS speaking topics in parts 2 and 3 now.

If you’re an international student who requires financial assistance for your studies abroad, make sure you fill out the form in this blog. 

Free Time

  • What type of activities do you like to do in your free time?
  • How long have you been interested in these activities?
  • Do you like to do these activities alone or with other people? Why/Why not?
  • Do you think people have enough free time? 

Family

  • How many people are there in your family?
  • Do you all live in the same house? 
  • What things do you like doing together?
  • Who is your favourite family member?

Food

  • Do you enjoy cooking? 
  • What type of things can you cook?
  • What kinds of food are popular in your country?
  • Is it an important part of your culture to have dinner parties? 
  • Do you prefer to eat with other people or on your own? 

Magazines And Newspapers

  • Which do you prefer reading, newspapers or magazines? 
  • What type of stories do you like to read about? 
  • Do you think reading a magazine or a newspaper can help you learn a language?
  • Why do you think some people prefer magazines to newspapers?

From asking you questions about yourself, your family background, to your interests, things you like to do, your IELTS speaking topics cover everything. While you may have the option to study abroad without IELTS, you should keep in mind that you will have to submit the English test scores of your previous education and they should be good enough for you to qualify. However, studying for IELTS always comes in handy. Apart from the aforementioned questions, there are many more IELTS speaking topics that could be asked, a few of which include:

  • Sports
  • Public transport
  • Seasons
  • Books and writing
  • Mobile Phones
  • Exercise
  • Internet
  • Daily Routine

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Everything You Need To Know About Debt Consolidation Loans

If you’ve been a student or have recently graduated and are looking for ways to settle in life, you must be aware that personal loans play a huge role in helping you meet your financial requirements. You may also find yourself in midst of numerous financial obligations in your journey towards a settled way of life. This is where debt consolidation loans will come to your rescue. 

Debt consolidation loans have been introduced as a method to repay debts and loans by taking up a personal loan that can be used against all your debts collectively. In order words, you will be able to merge all your existing debts and loans and be able to repay them using a personal loan. 

The following infographic will help you understand the difference between taking separate personal loans vs. debt consolidation loans. 

Source: Ramsey Solutions 

What Is The Importance Of A Debt Consolidation Loan

As we stand in the first half of the 21st century, we can look back confidently and say that there exists plenty of ways to become financially sound and strong. Today, one of the wisest options to help you attain the status of being financially healthy is by opting for a debt consolidation loan. The two benefits of this type of loan are that firstly, you only require single-tracking for all your past loans and secondly, debt consolidation loans come with highly affordable interest rates. 

This type of loan is suitable for you if you require immediate loan disbursement. This is because debt consolidation loans may be disbursed as quickly as within 30 mins to 72 hours giving you an immediate availability of a personal loan. Debt consolidation loan interest rates are highly attractive and the repayment is flexible. This type of loan is highly recommended if you are looking for loans with low requirements and eligibility criteria. 

What Is The Working Of A Debt Consolidation Loan

In the debt consolidation process, you resort to various ways of financing your debts and liabilities. Debt consolidation allows you to merge debts into a single liability and pay them off. Payments are then made on the new debt until it is paid off in full. 

You can apply through your bank, credit union or directly with your credit card company for debt consolidation. It is important to note that debt consolidation loans will not erase your original debt. Instead, it will simply transfer it to a different lender or type of loan. 

There are two broad categories of debt consolidation loans: secured and unsecured loans. 

Secured Loans 

Secured Loans are usually offered against collateral. This may be a car, a house or anything valuable and equivalent to the value of your borrowing. However, if you are searching for loans without collateral, UniCreds offers some options that may benefit you. 

The risk of default tends to be relatively low as the lender has much more to lose by neglecting his financial obligations. Since a secured loan carries less risk to the lender, interest rates are usually lower than for unsecured loans. 

Unsecured Loans 

As the name implies, unsecured loans require no collateral or other backing. Lender’s offer funds solely based on the customer’s creditworthiness. These are also called signature loans and the rate of interest is typically higher for unsecured loans as compared to secured loans. Also, credit score and debt-to-income requirements are usually stricter for these types of loans, and they are only made available to the most credible borrowers.

Looking for education loans without collateral? All you have to do is fill the form on this page! 

Features Of Debt Consolidation Loans 

Merging Existing Loans & Debts 

It is a common misconception that debt consolidation loans are a way you can reduce your past debt obligations. Rather, these loans – be it secure or unsecured, will help you repay your debts by merging them together. This will help you track your costs against the loan from a single place and make it easy for you to repay the loan. 

You Cannot Borrow More During The Consolidation Process 

The reason why a debt consolidation process was established was to streamline the repayment process. This means taking a stock of your present liabilities and assessing your credit worthiness to pay it back. As a result, while you are in the process of a loan consolidation, you will not be allowed to make any more borrowings and may not be eligible for any type of external loan. 

Low Interest Rate & Single EMI Payment  

The debt consolidation interest rate can be an affordable option if you are looking to consolidate your loan under a personal loan. If you are looking for student loan consolidation, you must do your research about the best interest rates before signing a loan agreement. Moreover, you will not be required to keep a track of separate EMI payments (if that is what you have opted for). You can consolidate your debts with a personal loan. Doing this will allow you to make one EMI payment every month, thus making repayments a whole lot easier.

Thank you for reading this blog on Everything You Need To Know About Debt Consolidation Funds. If you are interested in reading more such articles related to student finances, the following should be of interest to you: 

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  2. Hybrid Loans: What Is It And When Should You Get One?
  3. Types of Education Loan In The US – Which Is Best-Suited For You?