Acceptance Rate of University
georgia tech

Georgia Tech | Student Feedback

  1. About the Course Georgia Tech | Student Feedback

[ Financial Engineering (Quantitative and Computational Finance) at Georgia Tech is a top 10 course currently with a great faculty and super strong placements happening over the last season. Course work wise if you haven’t done all three levels of CFA, it’s a great value add. But the Mathematical Finance part is very tough to get a hang on in the initial month, cause as a Mumbai University candidate your 4 semester of Mathematics knowledge is all thanks to Kumbhojkar, while you are competing with peers from IIT Bombay, Kharagpur, Madras, Delhi, Kanpur, BITS Pilani/Goa, NIT Suratkal, Delhi College of Engineering etc, who have their mathematical base of probability and statistics super strong. A genuine advice would be to take a refresher course in Probability and Differential Calculus before coming here. Also a short introduction to finance is very much suggested as to what are options, derivatives and other basic terminologies if you are not aware of. But, on the flip side one good thing Mumbai University has taught us is ‘Catching up towards the end of semester’, though the definition changes a lot here, in the times of intense pressure and need, you need to up your game and to play to your strengths while delivering quality work with every deadline which is every week during the semester.]

  1. How many % of student in your course are Indians? Need just an approximate.

[15%-20%, Majority Chinese, Apart from that Indians, Americans, Korean, Germany, Turkey, Pakistan]

  1. Which country people are most in your university?

[ China, American, Indians ] Georgia Tech | Student Feedback

  1. Does the university follow semester or trimester?

[ Semester ] Georgia Tech | Student Feedback

  1. Internship Opportunities

[ 3-4 Career Fairs ] Georgia Tech | Student Feedback

  1. What are the off campus opportunities available?

[Not Sure] Georgia Tech | Student Feedback

  1. In which month does the career fair takes place?

[ September, October (Department to Department varies), January (2), Companies come during GT Hackhaton also tend to hire ]

  1. Name 3 apartments close to university area.

[ AMLI, The Flats, Atlantic Station]

  1. The rent for the apartments in the area you stay.

[ $350 – $450 per person]  Georgia Tech | Student Feedback

  1. What is the approximate living expense excluding rent?

[ $150 – $200 if cooking food in the house, else around $350]

  1. List the name of 3 stores close to university or your home from where you buy grocery, milk and daily food products.

[ Halal Shop – 14th Street, Target, Publix ]

  1. What are the public transport options available in city? Does student have concession on student’s UniversityID for transportation?

[Georgia Tech is in the heart of the city, so everything is very close by, for Indian Grocery shopping, Patel Brothers is 20 minutes drive away and best way to get there is an Uber or Lyft. Public transport in Atlanta is skewed. Atlanta is more of a drivable city, than a walk-able city like other cities on the eat coast]

  1. Is there any Indian store close to university? If yes then please name.

[ Halal Meat Shop – Bangladeshi Store, but you get pretty much everything Indian there]

  1. Name the 3 restaurants available next to university or close by to place where majority of students stay.

[ Moe’s Mexican, Tindrum Asian, Umma Korean and Japanese, Panda Express Chinese, Cafe Spice Indian]

  1. What are the places to hangout on weekends?

[ Cafe Intermezzo, Vortex, Sweet hut, Antico, Rocky Mountain Pizza, Opera Lounge, Buckhead, Edgewood ]

  1. What is the minimum and maximum temperatures that city faced in a last year.

[ Best part about Atlanta is it’s weather, it’s quite above the sea level, and although Summers are sunny, the temperature is very much moderate and can be easily sustainable with just two layers of clothing in the winters]

  1. To describe your city climate for most of the time in one word, what would you say: sunny, winter, rainy, windy?

[ Bangaloresque weather, overcast, rains anytime of the year, semi Seattlish]


PTE Test Format and Scoring

PTE Test Format and Scoring

What is PTE? PTE Test Format and Scoring

PTE Academic (The Pearson Test of English) is a computer-based English language test designed to assess the readiness and ability of non-native English speakers to participate in a university-level program taught in English. PTE focuses on real-life English used in academic surroundings. PTE Academic English test assesses listening, reading, speaking and writing skills of the test taker. It is accepted by thousands of universities worldwide, including prestigious institutions such as Harvard Business School, INSEAD and Yale.

Test Format: PTE Test Format and Scoring

It is a three-hour test session with three main sections: speaking and writing (together), listening and reading. There are twenty different question formats, ranging from multiple choice questions to essay writing and interpreting information.

PART 1: SPEAKING AND WRITING (75 – 90 minutes)

Speaking: PTE Test Format and Scoring

A student’s writing skills is tested during Part 1 of the test.  Speaking skills is also tested by asking the student to repeat sentences, respond to questions and summarize passages. Students should not start speaking before the microphone opens or else their voice will not be recorded. Students should speak clearly and remember that they will be able to record their answer only once.  They must finish speaking before the progress bar reaches the end and then the word “Recording” changes to “Completed”.

  • Personal introduction PTE Test Format and Scoring

This is an opportunity for the students to give the selected institutions some information about themselves. Students will be given 25 seconds to prepare and their response will be sent together with their score report to the institutions selected by them.

  • Read aloud PTE Test Format and Scoring

Students are required to read a written text aloud. They will have 30-40 seconds to prepare, depending on the length of the passage. However, students will be able to record their response only once.

  • Repeat sentence PTE Test Format and Scoring

Students are required to repeat the sentence that they hear. The audio will begin to play automatically. When the audio finishes the students have to speak into the microphone immediately and repeat exactly what they heard.  They will not be able to replay the audio.

  • Describe image PTE Test Format and Scoring

Students are required to describe an image, and they are given 25 seconds to study the image and prepare for it. Students must keep in mind that they will be able to record their response only once.

  • Re-tell lecture PTE Test Format and Scoring

In this test, students are required to repeat what they hear in the audio. The students may also see an image related to the audio. After the audio is over, students will be able to record their answer only once.  However, students can take notes while the audio is playing.

  • Answer short questions PTE Test Format and Scoring

Here students are required to reply to the question in a few words. The audio may be accompanied by an image. Once the audio is over, students have to answer the questions. Students will not able to replay the audio, and can record their response only once.


The Word Count will be given at the bottom of the screen.  Cut, copy and paste buttons are also available which can be used by students during the writing test.

  • Summarize written text

Students are required to write a summary of the text in one sentence within 10 minutes.  Students must include the main points of the passage in a full, single sentence of no more than 75 words.

  • Write Essay

Students are required to write a 200-300 word argumentative essay in response to a prompt in 20 minutes.


PART 2: READING (30 – 40 minutes)

In this section, students are mainly tested on their reading skills.

  • Multiple-choice (choose single answer)

Students are required to read the passage and answer the multiple-choice questions. Several answer options will be given but only one is correct. The option selected by the student will be highlighted in yellow.

  • Multiple-choice (choose multiple answers)

Students are required to read the passage and answer the multiple-choice question, but more than one correct response is possible. Students need to select all the response options that they think are correct from the list of possible options given.

  • Re-order paragraphs

Students are required to restore the original order of the text by selecting text boxes and dragging them across the screen. To deselect a box, students have to left-click elsewhere on the screen.

  • Fill in the blanks

Students are required to drag and drop words across the screen to correctly fill in the gaps in the text.  They will be given a list of words in a blue box that they can use to fill the gaps in the text.

  • Fill in the blanks

Students are required to select the most appropriate words from a drop-down list to restore the text. A passage is given with some missing words and beside each gap there is a button with a drop-down list. Students are required to Left-click on this button and select the option that best fills the gap.

PART 3: LISTENING (45 – 60 minutes)

Students are tested on their listening skills. It consists of questions that are based on audio or video clips which students can listen to only once however; they are allowed to take notes.

  • Summarize spoken text PTE Test Format and Scoring

Students are required to listen to an audio recording and write a 50-70 word summary within 10 minutes. The Word Count is given at the bottom of the screen which counts the number of words written.

  • Multiple-choice (choose multiple answers) PTE Test Format and Scoring

Students are required to listen to the recording and answer the multiple-choice question wherein more than one correct response is possible. Students need to select all the response options that they think are correct from the list of possible options.  The options selected are highlighted in yellow.

  • Fill in the blanks

Students are given a transcript of the audio recording, however some words are missing. They have to restore the transcript by typing in the missing words.

  • Highlight correct summary

Students are required to select the summary that best matches the recording. After listening to the audio students have to select the answer from the given options.

  • Multiple-choice, choose single answer

Students are required to listen to the recording and answer the multiple-choice questions. Several possible options will be provided but only one is correct. The option selected will be highlighted in yellow.

  • Select missing word

Here the last word or group of words in the recording will be replaced by a beep and students are required to select the most appropriate option to complete the recording. Out of the various options the students have to select one option.

  • Highlight incorrect words

Students will be presented with a transcript of the audio recording, which contains some errors. While listening and reading, students are required to select the words in the text that differ from what the speaker says. The selected words will be highlighted in yellow.

  • Write from dictation

Students have to hear a short sentence and type the sentence into the response box given at the bottom of the screen. Students can take notes while the video is being played but remember to check their spellings.

Registration and payment:

Students can register for the test either online or by phone. Payment can be made through- MasterCard and Visa debit cards or American Express, JCB, MasterCard and Visa credit cards. However, PayPal is not accepted

On the Test day:

The students have to provide to the test administrator copies of their ID. The administrator will ask for a digital photograph and signature and scan the student’s palm. Students will be assigned a locker to check-in their belongings. If a student fails to provide an ID, he will not be allowed to take the test and will lose his test fee. If a student is unable to appear for the test, he may receive a partial refund if he cancels his test before the appointment date.

PTE Scores:

Students will receive their results within 5 working days.  The test scores are reported on the Global Scale of English, a standardized, numeric scale from 10 to 90. The scores can be accessed via an online account. Students will receive an email notifying them once the scores are available. Students can see their scores once they have signed into their Pearson Vue account at Students can also send their scores to unlimited number of institutions free of charge once they have signed into their account. It generally takes 48 hours for the scores to be sent to institutions.

If a student is disappointed with his score, he can take the test again. He can retake the PTE as many times as he wants to but he must wait until he has received his scores from the test before booking another. One can send his/her scores to unlimited number of institutions, but  can select only seven recipients at any one time. However, the test scores are valid for two years from the date of the test.

Rescoring: PTE Test Format and Scoring

If a student is unhappy with his PTE score, he can request for a rescore. However, a student can request for a rescore only for his most recent PTE Academic test. He cannot request a rescore if he has already either scheduled another test or sent his score to an institution.

For rescoring, the student must contact Pearson Customer Service within 14 calendar days of his report being made available.  If the scores change then the rescore fee will be fully refunded to the student.

When to apply Fall or Spring intake

When to apply fall or spring intake ?

The decision to apply to universities abroad is followed by a series of preparations that students need to undertake. Being a relatively new process, students are often plagued by a horde of questions and one such question is when to apply, during spring or fall semester? Students often wonder if applying for the fall season has any benefits and what are the pros and cons of applying for either of these intakes. Coming to a conclusion requires a comparative analysis of the various advantages and disadvantages, which can help the student to arrive at a well-planned and carefully thought out decision. When to apply Fall or Spring intake?

Fall vs. spring intake When to apply Fall or Spring intake?

  1. Check if university offers both intakes When to apply Fall or Spring intake?

It is important to ascertain whether the universities in question accept applications for both the seasons. Almost 75 percent of universities in the US do not have a spring intake for a majority of the courses.  Thus, if you wish to apply for the spring intake, you should conduct a detailed research on the prospective universities, and find out whether they accept students in that season or not.

  1. Courses offered When to apply Fall or Spring intake?

An advantage of applying during the fall intake is that there are comparatively a higher number of courses offered by a university as the number of applicants is higher during the fall semester. In spring, there are comparatively fewer students applying, and so the courses offered by the university are also fewer in numbers. Thus, if you want to pursue a course which is relatively new and is a rare choice of specialization, then there is a possibility that the course may not be offered in the spring semester. So, you must check your target universities if they offer the courses, especially if you are applying for the spring intake.

  1. Need time to prepare When to apply Fall or Spring intake?

More students apply for the fall intake since, by that time, they have already finished their undergrad degree.  Since students from most countries complete their Undergraduate course by May/June, they have a few months to relax and prepare for the fall semester, which begins in September.

  1. Chances of getting admission When to apply Fall or Spring intake?

Acceptance rates usually do not depend on the semester you are applying for, but since the class sizes are larger for the fall season, the number of admits during the fall term is greater.  On the other hand, as there are a fewer number of students who apply for the spring term, the chances of securing admission at selective school tends to be higher than the fall.

  1. Second Choices When to apply Fall or Spring intake?

If you apply to a university in the fall semester, you, at least, have the option of trying again and applying for the spring semester if nothing works out for you, but you may lose out on such an opportunity if you only apply for the spring intake as the fall application deadlines may have passed.

  1. Participate in extracurricular activities at University

If participating in extracurricular activities and being a part of organizations and student clubs is important for you, then applying for a fall semester will give you more opportunities because student elections take place at the end of spring. If you apply for the spring semester, you are a newcomer and less known in comparison to fall students who have been in the university for a longer time.

  1. Assistantship Opportunity When to apply Fall or Spring intake?

Assistantship are usually secured by 2nd year students on campus as they have had an opportunity to showcase their skills and talents to the concerned professor.  As these students graduate, the vacated positions are available for the taking.  Fall semester students generally have an advantage over Spring students as they have extensively interacted with professors through their coursework; hence, the changes of securing the assistantship is much higher.

  1. Internships outside the campus When to apply Fall or Spring intake?

Universities have mandated that their students must be a part a program for at least nine months before they get permission to apply for off-campus internships. Applying during the spring means one cannot work off campus during the summer season when most companies have formal internship programs.  However, if the university treats the internship as part of coursework, this issue becomes moot.

  1. Recruitment

Campus recruitments are usually organized during the second year of the course. If you are a spring intake student, it means you will have completed two semesters and if you are a fall intake student then you will have completed three semesters. Thus, fall intake students will have spent more time in the university and therefore will have an advantage over spring intakes.  The extra semester helps them boost their profile and enhance their resume as they will have the opportunity to pursue projects, secure internships, engage in leadership roles, and be a part of student clubs.  This gives fall semester students an edge when it comes to getting an on-campus job and full-time job.

  1. Weather When to apply Fall or Spring intake?

If you decide to study in a sunny and warm state like California or Florida, you will enjoy a pleasant climate. But if the chosen university is in the colder regions of the country, and if you join in January, then you will face extreme weather conditions which can be uncomfortable and difficult to handle. Thus, you must keep the weather in mind before finalizing on which semester you want to join.

Spring or fall, this decision should be based on your needs and it should depend on your requirements and future plans. Take the time to view each option from every angle and then arrive at a concrete conclusion. There is no strict rule or option that you must take, after all, you are the best judge of your career.

North Carolina State University


North Carolina State University | Student Feedback

I would like to share my experiences regarding my MS program at North Carolina State University in Operations Research( Fall 15 student).

OR and IE are essentially the same thing here, just that OR focuses more on the analytical side and involves a lot of math. So whatever I share applies to both OR as well as IE.

1.Courses: North Carolina State University

The courses are awesome and are flexible to take from any department ( I took courses from MBA, Textiles, Statistics, IE, OR).

Supply chain courses are pretty difficult here as people do get D grade in it.

Some courses that people believe are internship and job grabbers are:

Database applications in IE

Lean Six Sigma Quality

Model and Analysis of Supply chain

Computer Simulation

Additive Manufacturing

Automated Systems Engg North Carolina State University

SAS/ Data Mining North Carolina State University

The complexity and the grading of the courses which most people are concerned varies a lot.

You can get a 4/4 GPA studying for just 10 days a semester if u enroll for the easy courses and people struggle to maintain a 3 GPA taking some Supply Chain, OR or ‘difficult’ courses and toiling all semester.

It is advisable to take courses having projects. Lots of stuff to talk about courses, Please contact for loads of info.

2.Professors North Carolina State University

Knowledgeable but do not expect ‘TEACHING’. Need to do EVERYTHING ALL BY YOURSELF. There will be some professors you might want to kill for their teaching!! Trust me this happens!

3.Research North Carolina State University

Mainly focussed on research in the MEDICAL INDUSTRY (healthcare improvement) and MANUFACTURING (mainly additive manufacturing).

4. Job opportunities North Carolina State University

People are optimistic about jobs. A recent survey indicated that 60% students got summer interns and almost all got jobs(and good jobs).

For CS, it is heaven here but for IE/ OR, some struggle is needed.

Online applications with contacts and recommendations helps!

People usually get into Volvo, Cummins, TE Connectivity, Georgia Pacific, Caterpillar, EY, Deloitte, Bank of America.

A lot of companies along with the above ones come to the career fair but ‘APPLY ONLINE’ is what they tell to do.

Nonetheless NCSTATE is a BRAND NAME.

Apply for 200 interns and you would get calls from 10 companies and may land an intern in 1 or 2 from them is the general trend heard from seniors.

5. Climate and Location North Carolina State University

Awesome awesome climate! Probably one of the best in the US.

No unexpected rains and the frequency is less. It snows for 7 days a year. Generally, the climate is cool.

Places near Raleigh and in Raleigh: BOOOORING as hell. One could finish the famous places in Raleigh visit in 6 hours. Feels like a village sometimes.

6.Campus North Carolina State University

Awesome campus. Awesome libraries. Awesome gymnasium. Lots of sports played. The variety of sports played, the level of technology used in classrooms and the equipment used in the gymnasium are awesomely amazing!

7.Other interesting points: North Carolina State University

Transport within the campus and to the neighboring cities is absolutely free.

All books, pdfs etc are absolutely free and available in the libraries.

Living expenses are cheap: 250 for rent for a shared room, 50 for utilities, and 200-400 for food (depends on spending habits).

Downtown is small but gets really good on Fridays.

Indian food: Doesn’t exist except for some restaurants. But plenty of Indian stores are accessible nearby.

Part time jobs are VERYYYY easy to get.

TA/RA/GA: No hopes unless a Ph.D. student

8. Students North Carolina State University

Background: Students from Mech/ Instrumentation. IE, Nanotech, Systems Engg, Manufacturing, Automobile.

Pretty competitive and smart.

A good group help for almost every purpose!

People mostly live offcampus but I can proudly say that I got an awesome on-campus apartment while paying the same amount.

9. IMSE(Integrated Manufacturing Systems Engineering)

I would want students who do not wish to study much, have work experience and pursue MS to have a look at this degree.

People with a degree in IE/OR/MECH generally transfer after 1st(if GPA>3.7) or 2nd sem(if one can find a co-op) to IMSE


1.Co-op program in the 3rd semester(6 credits)

  1. 9 subjects in total to study
  2. Less expenses

4.If you are unable to fetch a Co-op, the professor helps u a lot(he has lots of contacts).


1.No one knows about the degree so the name of the degree is a major disadvantage.

Overall, the journey has been fascinating so far.


Learn basics of the courses of interest/ your field before coming here.

Learn to cook 3-4 simple recipes.

Stay confident!

how to build your profile for masters

How to build your profile for Masters?

Gaining admission in universities abroad is becoming increasingly competitive. With thousands of applications pouring in against only a few hundred seats, students need to create a profile that stands out and immediately makes the Admission Committee take notice. While it is imperative to work towards creating a strong and unique profile to secure admission into a prestigious university, students are often confused and unsure of how to create a glowing profile. Here are a few pointers that will help to build an excellent profile for Master’s and make a difference. How to build your profile for Masters  ?

1)  Identify your USP (Unique Selling Point) How to build your profile for Masters  ?

Many applicants will have a similar or even better academic record and test scores than you.  In order to stand out and make your profile unique, you must identify your USP and highlight it to bring it to the notice of the admission committee. Start by jotting down your strengths. Give specific examples and quote instances from your academic or professional life that can substantiate the strengths you want to highlight. Focus on strengths that will help you to succeed in the program you’re applying to.  A certificate of completion or achievement is a good way to validate your strengths. Another advice is to compartmentalize your strength into categories such as academic, professional, communication or technical prowess. Thus, identifying your USP and mentioning it in your application essay will help you to put together a powerful application.

2) Write a succinct and powerful Resume How to build your profile for Masters  ?

The University admission committee has to go through several thousand applications, but to ensure that the admission committee does not overlook your application, you must create a succinct and powerful one-page long resume which highlights your strengths and achievements. It must provide more information to the admission committee than what is included in the application and helps them to evaluate your candidacy in a better manner. University resumes should be designed to enhance your application and provide yet another opportunity to showcase your worth as an ideal candidate. You must use crisp language and a clean layout, covering topics like academic achievements, extracurricular involvement, volunteer or community service, certifications, research, publications and leadership experience.

3) An interesting and engaging Statement of Purpose How to build your profile for Masters  ?

Your Statement of Purpose (SOP) gives you the opportunity to display your passion and interest for the intended specialization and gives you an opportunity to explain the lacunae in your academic credentials. Your focus has to be on clearly explaining the purpose you are applying for a particular specialization.  It should also contain a brief introduction of yourself and your academic background. You must also mention your short-term and long-term goals in one paragraph.  These goals have to be as specific as possible. Describe your academic or any professional background that is relevant to your purpose. You should also give details about what motivated you to pursue further studies and have you chosen the university you are applying to. This paragraph requires you to research the program, curriculum, and faculty, so that you can highlight the specific aspects that make the university your preferred choice. It is always a good idea to take the opinions of others and seek professional help from experts like education advisers or counsellors as the SOP greatly determines your chance of getting admission in your dream university.

4) Letter of Recommendation How to build your profile for Masters  ?

Refer to your strengths in the USP list that you have made and think of people who can vouch for your strengths like a good academic record, motivation, creativity, communication skills, integrity, etc.   You must take help of your professors to write impressive letters of recommendation as they qualify to truly assess your performance and vouch for your academic credentials. However, if you have any work experience ranging to a year or more, then get at least one reference from your workplace as well. A master’s degree requires the student to submit three recommendations; hence it is ideal to get one professional and two academic letters of recommendation. This will give the admission committee a balanced opinion of your academic and professional capabilities.

 5) Work experience in a prestigious company How to build your profile for Masters  ?

If the company you are currently working in has a very competitive and difficult recruiting process, it makes the Admission Committee view your profile in a positive light. Also working in a reputed company makes your profile stronger and makes the admission committee realize that you are an exceptional student with excellent skills and academic record to have bagged a prestigious job or internship at a reputed company.

6) Diversify your profile How to build your profile for Masters  ?

Apart from the technical skills, if you have learnt any new and different skills through extra certification courses or have any experience that can add value to your profile you must mention it. For example, if you have volunteered for any special projects and participated in any conferences or competitions, you must highlight these points to bring it to the notice of the admission committee.

7) Work towards creating a well-rounded personality How to build your profile for Masters  ?

You do not want to come across as a uni-dimensional person with only academic or professional interest. Universities believe in taking students who have a holistic and well-rounded personality. If you are a sport enthusiast or have joined any social cause or started a small entrepreneurial venture, you must highlight these in your profile.

8) Publish your research work How to build your profile for Masters  ?

Published research work indubitably adds to your profile in terms of research skills and speaks volumes about your academic interests. A good publishing record is a strong indicator that you will be an asset to the research community in that university. Thus, if you have written any research paper or dissertation at graduate school, you must mention it in your profile to highlight your research skills. This will give you an edge over your competitors.

Following the above pointers will help you to create a strong and unique profile that the admission committee will review in a positive light. Working towards creating a strong and unique profile requires time and commitment, so if you want to secure admission to your chosen university, you must make a plan and start working towards it well in advance to create an exemplary profile and maximize your chances of securing admission.

University of Illinois at Chicago

University of Illinois at Chicago | Student Feedback

Graduate studies are going good and first semester passed away smoothly and just doesn’t feel that 6 months have already passed. As for UIC, it has been a good experience till now if not great. University of Illinois at Chicago

For Mechanical and Industrial Engineering, the research is limited as UIC is facing some serious budget issues. There is a budget impasse in the Illinois State and that has hurt all State universities in Illinois, but no money coming in from the government. This has made the university bring in a lot of people, stretching its resources and infrastructure and increasing the number of students in every class. People need to fight for getting the popular courses. But people do get it eventually. Also not having specified tracks for the courses means, we had to take a few courses out of the field of choice to graduate. But the professors are good and very helpful, at least the ones I have interacted with. Industrial department has brought in new professors who aren’t that experienced and that might give mixed reactions from students. University of Illinois at Chicago

UIC is good with Data Sciences and fluids. Also, for the students coming in, I would recommend to contact the professors before hand and research well on the professors that they really wanna work with. Getting into research is tough and there are limited opportunities as most professors are short on funding. University of Illinois at Chicago

On-campus part times are hard to come by as being a city campus and comparatively smaller than college town counterparts. Chicago is expensive but a great city to live. University of Illinois at Chicago

As for job opportunities, the career fair at UIC is very small and limited, and most companies coming in don’t sponsor H1-B. So its like most places, you need to apply online. University of Illinois at Chicago

If you need info on anything else, definitely let me know. University of Illinois at Chicago

All about Education Loans


Increasing career benefits of a foreign education coupled with an enriching global exposure has increased the number of students who aspire to pursue their higher education abroad. In spite of a plethora of advantages of studying abroad, the exorbitant expenses involved discourage students from following their dreams. Although many scholarships and financial aid options are available, all students do not become eligible for them. As a result, educational loans become significant to the study abroad plan for the student. Education loans for studying abroad are provided by almost all the major banks in India, but parents and students are apprehensive about the complicated and cumbersome loan application procedure.  With easy repayment options and reasonable interest rates, securing funding for study abroad plans has become much simpler than what is perceived. Below are a few tips to obtain student loans. All about Education Loans

  1. Be proactive All about Education Loans

While you are anxiously awaiting the offer letter from your dream University, start applying for an educational loan. For this, you must research the available loan options thoroughly. Make use of this period effectively to study the various loan options. Being proactive will give you sufficient time to properly weigh all your option before you choose the most suitable loan scheme.

  1. Compare Interest Rates All about Education Loans

As you research on loans from leading banks, you will find that they offer loans with varying rates of interest. Compare the student loans that are on offer and make a thorough comparison. State-run banks normally have lower interest rates as compared to private ones. The current interest rates usually fall between 11% to 14%; however most of these are offered on a floating rate basis. This means you should be prepared to face an increase or decrease in interest rates later depending on market conditions. With respect to security requirements for the loan-

(a) Loan up to Rs. 4 lakh- No collateral security is needed, parents are the joint borrower.

(b) Loan amount between Rs.4 to 7.5 lakhs- along with parents as joint borrowers, collateral security in the form of a third party guarantee must be given.

(C) Loan amount above Rs.7.5 lakhs- Parents must be joint borrowers plus tangible collateral security of suitable value is required.

  1. Apply to more than one bank All about Education Loans

Do not depend on just one bank for your loan. It is advisable to apply to multiple banks, in case your loan application gets rejected by one.

  1. Eligibility criteria All about Education Loans
  • The applicant should be an India citizen
  • The applicant has secured admission to a professional or technical course through an Entrance Test or Selection process
  • Secured admission to foreign university/ Institution
  • Banks generally offer educational loans for long-term programs by prestigious institutions. Short-term ones (such as English language programs) are usually not covered. For those planning to study vocational courses, educational loans do not cover these either. MBA, engineering graduate and medical students are among the top choices for banks. Banks usually do not provide loans to students with a bachelor’s or masters in Arts. Also, for courses where employment prospects are less (as per Bank’s evaluation), loans are sanctioned by considering the parents’ income.
  1. Cosigner All about Education Loans

When a loan amount exceeds Rs 5 lakhs, you must indicate who your cosigner is. A cosigner (usually parent) is a person who must sign the loan agreement with you, will be responsible for your debt and agrees to pay your debt, in case you fail to repay the loan.

  1. Prepare Application Checklist

Contact the bank and obtain a checklist from them in advance to have all documents and papers ready for the loan application. You must find out if the University has any tie-ups with banks for educational loans as it could expedite the loan process.

The Application Check List should comprise of-

  • Identity Proof- driving license, passport, pan card, voter identity card, and Aadhar Card.
  • Address Proof- Passport, Bank account statement, Ration card, Aadhar card, Voter’s ID Card and Telephone bill/ water bill/ electricity bill
  • Signature Proof- The banker’s signature verification, Driving license, PAN card, and Passport copy.
  1. Loan Amount All about Education Loans

For an overseas study, loan worth Rs 7 lakhs and above are approved against fixed deposits or property worth the loan amount, NSC certificates and a margin of 15 percent (means you get 15 percent less than the amount sanctioned as a loan). Also, if a loan below Rs 4 lakhs comes at a particular interest rate, the loan over Rs 4 lakhs is usually charged at one percent higher. This is a general overview but for more specifics and schemes on the amount, the rate of interest and repayment options, you must check the individual bank websites.

  1. Documents required for applying for a Student Loan

1) Mark sheet of the last examination for school and graduate studies in India

2) Proof of admission to the course

3) Schedule of expenses for the course

4) Copies of the letter confirming scholarship, etc.

5) Copies of foreign exchange permit, if applicable

6) 2 passport size photographs

7) Bank account statement of the borrower for the last six months

8) Income tax assessment orders not more than two years old

9) A brief statement of the assets and liabilities of the borrower (usually the parent or guardian) and proof of income.

10) In case you are not an existing client of the bank from which you wish to avail the loan, you will also need to establish your identity and give proof of residence.

  1. What the education loan usually covers

Education loans usually cover tuition fees, books and any other supplies, room and board fees, transportation costs, health insurance, as well as other living and education related expenses. The bank usually does not hand over the money to you, but will credit it to the University’s account at the start of each year or semester as required.

  1. Read the Fine Print

Take time to go through the loan agreement’s fine print before you sign it. You should check for the interest rate structure, the pre-payment details, and any options to extend loan repayment in case of unemployment after graduation. Understand the entire loan disbursement process, its various clauses and clear any questions that you have with the bank officials.

A list of banks that provide education loans for study abroad in India

  • State Bank of India
  • Allahabad Bank
  • Axis Bank
  • HDFC Bank
  • Credila (a non-banking finance company, subsidiary of HDFC Ltd. exclusively focused on education loans.)
  • Punjab National Bank (PNB)
  • IDBI Bank
  • HSBC India
  • Indian Overseas Bank (IOB)
  • Avanse Financial Services
  • Syndicate Bank
  • Canara Bank

Thus, by preparing for an education loan application well in advance, gaining a clear understanding of the moratorium period and repayment options and conducting an extensive research about the various loan schemes available, you will ensure that the loan application process is smooth and you will be that much closer to fulfill your dream of studying at a prestigious university abroad.

How to prepare your financial documents

How to prepare your financial documents ?

If you have been accepted to a university abroad, the next step is to apply for your student visa. For this, you need to get your financial documents together to successfully pass the visa interview and obtain the F1 student visa. You need to provide financial documents to prove that you have adequate financial resources to fund your study abroad which include paying for your tuition, books and living expenses and supporting yourself financially for the first year or two. How to prepare your financial documents ?

What are financial documents? How to prepare your financial documents ?

Financial documents mean an official document issued by a bank which proves that there are sufficient funds in a bank account to pay for the tuition expenses and living costs while enrolled in the university.

The amount of money that must be shown by the applicants’ financial statements varies depending on the university and the chosen course; therefore, it is imperative that applicants pay careful attention to their university’s requests.

The financial statements must be issued in English from the bank. Applicants must bear in mind that the English translation of a financial statement by the bank can take up to 1 week, and an additional fee may be charged.

Which Financial documents serve as proof? How to prepare your financial documents ?

  • Bank statements, loan contract and any other information that is related to those who will finance your education. It could also be any financial aid that you have from the government or university.
  • The employment history of the applicant or the employment history of the person providing them with financial support. This is to ensure that the student will have a consistent income.
  • The source of the income used such as cash assets or a bank loan. This is taken into consideration so that the Department of Immigration knows where the money is coming from and if that is a reliable source of income.
  • Parents or sponsors financial documents which include tax returns from the past three years, their pay slips, employment letters and liquid asset statement.
  • If you have received a scholarship, fellowship, assistantship, grant or loan, it is necessary for you to provide a confirmation letter or form stating that financial aid will be given to you.
  • If you have availed a loan from the bank to cover the tuition cost, you must ensure that you present the official documents which will verify the loan approval and not just the loan application.
  • If your higher education is supported by an individual in the U.S., you will need to carry a notarized I-134 form along with three years bank statements and tax returns of that person (though not encouraged).
  • Paying for the tuition expense in advance is also a good way to show proof of funds, but is not mandatory.

If the Visa officer finds some discrepancies or if they have any doubt regarding the financial stability of the student then, the student will have to provide more information.

The Process How to prepare your financial documents ?

  1. After you are admitted, the university will request for proof of financial support. You must provide evidence of financial support like bank statements and other documentation from a sponsor, financial aid as well as scholarship letters. You must check the University website as they may have specific requirements for acceptable documentation. You must note that though International students are eligible to work on campus, employment is limited to 20 hours per week. Thus, student employment cannot be taken into consideration for evidence of financial support because there is no guarantee that the student will have a job once he/she is on campus.
  2. On satisfactory review of the same, the University will provide you with a document known as the Certificate of Eligibility for Nonimmigrant (F-1) Student Status, which is also called I-20.
  3. Section 7 of the I-20 form provided, will specify the amount of funds required to cover your first-year’s expenses. This includes tuition costs and fees, living expenses and any other costs. You must be able to prove that you have immediate funds available to cover this amount during the interview with the US Visa Consular.
  4. An international student must bring his Form I-20 from the university he plans to attend as well as evidence of financial support to his visa interview at the consulate. The Visa officer will review this information to ensure the student can finance his studies and living expenses abroad.
  5. A consular officer may request any information which he/she believes to be relevant to grant the F1 student visa. Every international student has to demonstrate that they have the ability to pay for their education abroad.

Thus, getting these documents together and preparing for the F1 student visa interview may seem like a stressful experience, but if you prepare well in advance and keep the requisite documents and forms organized and ready, then obtaining a student visa becomes plain sailing. How to prepare your financial documents ?

university interviews


The prospect of a university interview often brings with itself a host of feelings like happiness, panic and anxiety all rolled into one. While it is quite natural to be nervous, getting  an idea of what to expect can help you to crack the interview with flying colors. Remember that receiving an interview call means that the admission committee is impressed with your application so far, and you are close to securing an admit. University interviews can last from ten minutes to an hour. They also vary depending on the course you are applying for. Irrespective of the format of your interview, it should ideally be a two-way interaction, where you should not only respond to an interviewer’s questions but also contribute to the discussion.

What are interviewers looking for? University Interviews

  • Through the interview, the interviewer wants to know whether you are genuinely enthusiastic about your course. They wish to gauge your personality and discuss the aspects they could not glean from your application.
  • The interviewer can ask you to expand on any claims you made in your personal statement which demonstrate your interest in the subject, any research or work experience to make sure your statement stands up to scrutiny.
  • The interviewer will ask you about your reasons for wanting to study that particular course, so make sure of what the course involves and the various career options available. They will also assess your ability to communicate and deal with stress. They expect you to show some knowledge of the course and university as well as the capacity to present your ideas and arguments confidently.
  • The interviewer looks for evidence that you are capable of thinking independently, are willing to adapt to new ideas beyond the scope of your college syllabus, and that you are committed to the program.

Common questions often asked in university interviews University Interviews

  • Revisit the university prospectus and course details, think about how you will answer questions such as ‘why this course?’ and ‘why this university?’
  • Re-familiarize yourself with your personal statement and be prepared to elaborate on anything you have mentioned.
  • Try to keep abreast with the latest issues in current affairs relevant to your subject because interviewers may bring it up for discussion.
  • You may have to field tricky, and open-ended questions like “Tell me about yourself” or “How would your friends describe you?” To answer such a question, write down a list of your strengths and weakness and think of five words that sum up your personality.
  • If they ask you to speak about your weaknesses, identify one, but always tell them what you are doing to tackle it. If you are asked about your strengths, list a few. Be honest, to the point and avoid being a braggart because they might ask you to validate your strengths with examples.
  • Another favorite amongst interviewers is: “What do you do in your spare time?” While answering this question, tell them something interesting and meaningful.
  • If you plan to defer your admit for one year, the interviewer may ask you what you intend to do during this period? Point out how your gap year will benefit. Mention a way in which the gap year will relate to your course and future academic studies like taking up jobs related to your course work.
  • Another common question often asked is regarding your career aspiration. How will the university benefit your future? While answering this question, be honest and state your career plans, explain how a degree will help you to achieve your career goals and how you think the university will benefit you.

Prior Preparation to face University Interviews University Interviews

  • Research on your course and the University thoroughly. Ponder on what interests you about the course, and the reasons for choosing the program.
  • Make sure you read your personal statement once again because the interviewer might ask you questions based on it. If you have mentioned about a reading a book in the personal statement but actually haven’t read it, then you must read it as a part of your preparation.
  • A mock interview is a helpful practice. Having some interview practice beforehand will boost your confidence and expose the areas that you need to work on. Ask a career adviser to conduct your mock interviews. For extra practice, get a friend or your parents to ask you some difficult interview questions.
  • Prepare some questions to ask the interviewer but make sure that they haven’t already been answered in the information sent to you by the University.
  • Ensure that you have something suitable to wear. The university may have a dress code; if not, dress in something you feel comfortable in and will not distract the interviewer.
  • If you are unaware about the interview format, feel free to email or phone the university to ask. If you know the name of the interviewer, do a little bit of internet research and see if you share any interests.

Pointers for the big day University Interviews

  • Body language is very significant and perhaps as important as what you say to create a good first impression. Sit straight, avoid slouching, make eye contact and look as well as sound interested. It is important that you engage with the interviewer in a positive manner.
  • Listen carefully to the questions asked and do not hesitate to pause if you need some time to think through your answer or if you want the interviewer to repeat a particular question. Answering out of context will undoubtedly leave a bad impression.

There is no such thing as the perfect interview or the perfect reply to a question that an interviewer might throw at you. Be calm and view the interview as an opportunity to showcase your worthiness as an ideal candidate and discuss a subject that you and your interviewer share an interest in. Asking good questions will impress your interviewer just as much as good answers. Remember that the best way to prepare for an interview is to practice by way of mock interviews. While practicing, do not learn your answers by heart because that will make you sound over-rehearsed and robotic. Rather just be confident and use your presence of mind as these two will ensure that you have a smooth and successful university interview. University Interviews

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