how to Get Student Cash Loan.

We all know that college and any other level of education beyond the public school system, can be very costly. Often, students need financial assistance to fund school projects, pay for tuition, living expenses or simply to make ends meet. Some lucky students can secure scholarships that help pay for all or part of the expenses. However, for those who do not have a scholarship to help them through college, is there any other option to obtain financial assistance other than relying on their parents? Fortunately, there is - through a student cash loan.

A student loan is designed for students who want to continue their education but are not capable of paying for the expenses on their own. There are actually two types of student loans available: federal student loans and private loans. A federal student loan is backed by the U.S. government. This type of student loan can be refinanced at a lower interest rate suitable for students. A federal loan is usually based on the financial needs of the student applicant.

Meanwhile, a private student loan is a personal loan. This type of loan is based on the credit standing of the student or the student's parents or benefactors. Student loans have a number of advantages, the most important of which is that the student can borrow all the money he needs and repay it once he graduates and is starting to earn a specific income. Also, thesestudent loans have special rates that are intended specifically for students.

Many lenders offer student loans, and it is generally easy to find a good one with a reasonable interest rate. Look for lenders in your area and compare their interest rates, payment terms and other factors. You can also look for student loan lenders on the Internet. Applying for a student loan is generally quick and easy, but you will most probably need letters of recommendation and other requirements, depending on the lender.

Malaysia Tourist Visa & immigration

 

As an international student studying in Malaysia you will be granted a student pass and visa for a year (or part of a year), depending on the country which issues your passport. You are personally responsible for the timely submission of the documents to obtain/renew your student pass.

 

New regulations for international students studying in Malaysia

The Ministry of Higher Education of Malaysia via its private arm Education Malaysia Global Services (EMGS) has enacted several new measures in order to streamline and facilitate visa processes for international students who wish to enroll at Higher Education Institutions in Malaysia.  

As part of these new arrangements, EMGS will now coordinate the International Student’s Pass (Visa), the provision of Medical Insurance and the arrangements for health checks. To cover the costs associated with providing this service, EMGS has imposed a number of new charges which amount to a minimum of RM1830 for all new applications and a minimum of RM950 for the renewal of a student pass. The University has agreed to share part of the additional costs as part of our commitment to supporting international students to study at the University of Nottingham Malaysia Campus.  

 

Obtaining and renewing your student pass

 

New students

You must submit your passport and other documents to the student Visa Office 7 weeks before the expiry date of your student pass. 
There will be a separate charge for the extension of the student pass and multiple entry visas. Students will bear the extra charges or compound for late submission of documents. 

Identification documents

You must carry your original passport with you at all times.  The immigration Enforcement Officers conduct random checks at public places. 
If you decide not to carry your original passport (when visiting places near campus), make sure you carry a certified true copy of your passport and your UNMC student ID card.

What is Ielts ?

IELTS, the International English Language Testing System, is designed to assess the English language ability of those who want to study or work in a country where English is the language of communication.

IELTS is recognised by almost all English speaking countries, including Australia, Canada, New Zealand, the UK and the USA. It is the highest standard of English language assessment. It is recognised by immigration authorities, professional bodies and other government agencies.

IELTS is not recommended for candidates under the age of 16.
You can re-take the test whenever you wish.

IELTS test is arranged at more than 300 test centres, in over 100 countries. It is available up to four tomes a month and the result is issued 13 days after the test.


IELTS is available in two formats- Academic and General training.

The Academic Module is specially designed for students at undergraduate or postgraduate level. Admission to a study programme/course at undergraduate or postgraduate level is based on the result of the Academic Module of IELTS.

The General Training Module is suitable for those who are going to English- speaking countries to get their secondary education, to undertake work experience or training programmes not at degree level, or for immigration to Australia, Canada and New Zealand.
The General Training Module is not offered at all test centres.

For more information regarding the Modules contact http://www.ielts.org/



Test Format

The IELTS has been divided into listening, reading, writing and speaking tests. The listening and speaking tests are same for all candidates. However, there is a difference in the reading and writing modules – for Academic or General Training.

The Listening, Reading and Writing modules are taken in one day without any break. However the Speaking module may be taken seven days before or after these three tests.
For further information on these modules visit the IELTS website http://www.ielts.org/



How to register for the IELTS

Contact the nearest test centre to find out about available test dates and to get the application for the test. You can get contact details at http://www.ielts.org/

There you can get the application form and the relevant information. Complete the application form and send or take it to the test centre with the test fee and two fresh passport-sized photographs. As evidence of identity you need your passport or national identity card with a number, photograph, date of birth and signature.
Candidates taking the test outside their own country must present a passport.

You must bring all these identity documents on the test day. Otherwise, you may not be permitted to take the test.

The test centre will inform you about the date and time of the test in writing. If your speaking test is to be on a different day, you are informed about this also.

Result
Result will be declared 13 days after the test. You may visit the test centre or they may mail your result to you on the13th day.



For further information;

Visit http://www.ielts.org/
http://www.britishcouncil.org/
Email ielts@britishcouncil.org

The Best way student Loan Helps and Relief

If you have been drowning in student loan debt then you may be wondering if you have any options that can make paying back your student loans an easier process. The truth is that you have a number of great options that can make paying back your student loans much simpler and more efficient, and many times these options are fairly straightforward to put into effect. The best student loan help and relief consists of a combination of various repayment options, schedule adjustments, and refinancing, and if even if you don't want to exercise each of these types of student loan relief options you can still make headway by utilizing only one.
If you are having trouble making payments right when you graduated from school then you should think about requesting a deferment or forbearance from your lender. Both of these can push back when you have to start making payments on your loans by typically six-month increments, and during this time period you are not required to make any payments at all. It is usually smarter to exhaust your deferment options before you request a forbearance because with a deferment the interest that accrues while you don't have to make any payments is not capitalized onto the principal of the loan like it is with a forbearance.
Once you have utilized all of your available forbearance and deferment time you should then not hesitate to consolidate all of your student loan debt with a refinance loan. This can make paying back your student loans much simpler and more convenient because you will only have to make a single payment each month instead of having to make multiple payments. If you don't want to take advantage of a consolidation loan then you may want to try and exercise any other payment options that your lender may make available. These include interest-only payments, income sensitive payments, and reduced payments. To get the student loan relief you need then you should take advantage of at least one of the aforementioned options if you want to make paying back your student loans a much less strenuous process.

study in Germany Visa Guidance and Details

Study in Germany has a lot to offer to foreign students, be they first-year students or postgraduates. Germany’s universities combine age-old traditions with modern technologies. More than 300 universities exist in Germany: from time-honored institutions offering students the classical repertoire of subjects such as Medicine, Law, English and German to innovative new institutions of higher education with inter-disciplinary study programs.

Method to get admission in German Universities

Before you can be admitted to a course of study at a German institution of higher education you will as be required to take the Assessment Test . This requirement will apply as a rule. Admission to the assessment test is only possible for applicants who can prove that they hold a secondary school leaving certificate awarded for 12 years of schooling. Applicants who provide proof of successful participation in the entrance examination for the Indian Institutes of Technology can be admitted direct to higher education study.

Generally, you will need to be proficient in German to be able to study or research effectively in Germany. But German is also an important language in its own right and is spoken by many people. So it’s well worth learning – for example, by attending a summer language course. And, German is definitely not as difficult as popular opinion would have it. Universities and colleges generally require German language certificates, which you can easily gain by taking the appropriate test in your home country.

Before you can embark on your studies at a German institution of higher education you will have to take the DSH – the German language proficiency test. The institutions set and hold these examinations themselves and also arrange the dates. “International degree courses” and some postgraduate courses are an exception to this rule.

You can be exempted from the DSH if you hold a higher education entrance qualification (Abitur) from a recognised school (in Germany or abroad) at which German was the language of instruction, hold the Goethe-Institute’s minor or major German Language Certificate or advanced level Central Advanced Language Test hold the German Language Certificate, Level II, of the German Standing Conference of Ministers of Education and Culture only intend to spend one semester studying in Germany (some institutions even allow 2 semesters without requiring the DSH to be taken).

Test DaFA German language proficiency certificate as required for your studies in Germany can also be obtained in your home country in the form of the so-called Test DaF This language test is held twice a year (in spring and autumn/fall) at certain towns or universities in your country. The Test DaF system offers various proficiency levels. Hence, the language requirements can be adapted to the purpose of the study stay. The respective tests are set and marked in Germany so that all candidates can be sure that they have been treated equally and therefore everybody has the same chance of success. To greatly encourage the influx of international students, a good number of leading German institutions reserve study places for foreign applicants.

Please attend German courses at your own institution of higher education, the Goethe-Institute, or other language schools in your own country so that you will be able to communicate easily in German when you come here.

If you arrive in Germany ready and able to pass the DSH straight away, it will save you a great deal of time, effort, and money. Good language courses can also be found outside the framework of your German higher education institution. The courses offered by adult education centers (Volkshochschule – VHS) or other municipal educational facilities are cheaper than private language schools. German isn’t everything: International degree courses, programmes and qualifications To improve the range of opportunities for international study applicants and to meet their interests, .

Studies leading to a Bachelor’s or Master’s degree stand out by having course modules, a system of continuous examination and assessment, and a system of credits.

Most of the foreign nationals need to apply directly to the International Office at each individual university or college of their choice Should another office be responsible for handling your applications and other affairs, the International office will inform you accordingly. You can search for the study opportunities online – and can even search for courses with a specific language of instruction at: www.higher-education-compass.de

Note:
The closing dates for applications to the International offices are usually July 15 for the following winter semester and January 15 for the following summer semester. If your application is late even by one day, it is not going to be processed.

As soon as you have received your notification of admission and passed the language test, you need to register at your chosen university or college. Please direct your queries to the Registrar’s office (studentensekretariat) in good time so as to wrap up the formalities and paperwork long before the session is due to start.

Your first port of call upon arrival in Germany must necessarily be the International office which will provide you with all the basic information you need to arrange the initial days of your stay in that country. Subsequently you must get yourself registered at the Resident Registration office and finally with the Alien’s Registration Authority.

Process to obtain German Student Visa for international students

Do students need to apply for a visa if students want to study in Germany?

EU citizens and citizens from some other countries (Honduras, Island, Liechtenstein, Monaco, Norway, San Marino, Switzerland and the United States) do not need a visa to enter Germany. Everybody else must apply for a visa for study purposes via the German diplomatic representation in their home country. Students must not under any circumstances travel to Germany on a tourist visa. If students have intention to study in Germany but have Tourist Visa then Tourist visa cannot be transformed into Student or Applicant visa.

What conditions must students meet in order to get a student visa for study purposes?

Students must possess a passport valid for the entire period of their proposed stay in Germany students must present their notification of admission to a German higher education institution or preparatory course (Studienkolleg).Students must prove that he/she have sufficient financial means at their disposal. Further information is available from the German diplomatic representation in student’s home country.

Can Students get a visa if they have not yet been admitted to a German higher education institution?

Yes, they can apply for a study applicant visa which is valid for 3 months and which can be converted into a full-fledged study visa for academic and research purposes after they have been admitted to a higher education institution.

Do Students need a visa if they wish to attend a language course in Germany?

Yes, students would need the language course visa. However it is only valid for the duration of the language course and cannot be converted into a visa for study purposes.

Source : http://www.studentvisaexpert.com/2013/01/study-in-germany-visa-guidance-details/