How much debt will I accrue over my time in college?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 8 months ago

Before taking on student debt, it is important to know in advance what you’re getting yourself into. By looking at a student loan calculator, you can compare the costs of going to different schools. Variables like your age and how long you will be attending (likely four years if you are entering as a freshman, two years if you are transferring as a junior, etc.) go into the equation. Then with some financial information like how much you (or your family) will be able to contribute each year and what scholarships or gifts you’ve already received, a student loan payment....View More

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Are there any US universities that have scholarships for Indian students?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 8 months ago

Universities offering the most financial aid for international students include Wesleyan University, Stanford University, Amherst College, Trinity College, University of Chicago, Williams College, Yale University, Skidmore College, Harvard University, and Dartmouth College. Furthermore, the following private organizations offer scholarships to Indian students: The Reliance Foundation, Tata Group, Sun Foundation, and Aditya Birla Group. In addition, check out the following scholarships: Chevening UK Government ScholarshipsTata Scholarship (Cornell University for Indian students)Fulbright-Nehru Master’s Fellowships (for Indian students)Fullbright FellowhipsErasmus ScholarshipsRoyal Society GrantsHubert-Humphrey ScholarshipsThe Mahatma Gandhi Scholarship ProgrammeCommonwealth Academic Fellowships Commonwealth Split-site Doctoral ScholarshipIn addition to private scholarships and the scholarships provided by the universities themselves,....View More

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If I don’t apply for financial aid my first year, can I apply in subsequent years?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 8 months ago

Unfortunately, the answer to this question is almost always no. Because most schools are not need-blind, you are more likely to gain admission if you are not asking for financial aid, especially if you are an international student. As such, it wouldn’t be fair to then turn around and ask for aid the second year, when you are already in. Colleges have already figured out that loophole and closed it. If your financial situation changes drastically, however, it is of course worth a shot to apply and to see if you can find a sympathetic aid officer. Just don’t count....View More

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Guide Me on Scholarships

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 8 months ago

Most Scholarships, in fact over 90%, are given by the universities themselves, either in the form on need-based aid, measured by the FAFSA or the CSS/Profile, or by merit aid, which is determined by many factors, including your GPA, test scores, or sometimes factors such as volunteering or musical or other abilities. There is a big myth that are millions of dollars of scholarship money out there, unclaimed, by outside sources. In reality, it is difficult to get outside scholarships. The scholarship clearinghouses, such as FastWeb, are a good place to start to see where the outside money is. You....View More

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How much can not asking for financial aid help your chances as an international student?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 8 months ago

If you need financial aid, you should apply for financial aid. Many students are under the mistaken impression that if they do not ask for aid their first year, it will help them get in, and they can then ask for aid during their sophomore year. Not so. You need to apply during your freshman year, in order to be able to receive any aid. Most schools are not need blind in terms of financial aid for international students. As such, it can be more difficult to gain admission to top schools if you need aid. Again, think carefully before....View More

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I'm from an upper middle class family, so I'd like to know whether US college education is even an option for me from a financial perspective. Do Indian students pay for college through family funds or loans or scholarships? Would you advise me to attend a US college by taking a loan?

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    Paramita Mishra
  • pmish@sas.upenn.edu

Paramita Mishra Answered 7 months ago

Hi! There are two kinds of colleges in America - need-blind and need-aware. There is also a third kind - one which does not offer any aid whatsoever to internationals, and I suggest you get started with a document recording the kind of college each of your preferences falls into. In most scenarios, I'm assuming you wouldn't want a non-aid option - I mean here colleges like UC Berkeley. Cross them out. For the other two, you have need-blind i.e. the admissions office will offer/not grant admission regardless of your financial situation simply because they don't even have access to....View More

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Is there an advantage to filing my Certificate of Finances (COF) with my application, instead of waiting until they ask for it?

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    Judith Winters
  • judith@jwcchk.com

Judith Winters Answered 7 months ago

Students should always submit their Certificate of Finances with the application if the university requires this. Following directions for each college is advantageous. 

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I am an Indian International student, planning to do my Undergraduate major in Engineering in the US. Out of 5 colleges I applied to, I got into Virginia Tech, University at Buffalo SUNY, Arizona State University and Minnesota Twin cities. The two schools on my shortlist are UB-SUNY and Virginia Tech. SUNY has offered me $44k in scholarship for 4 years, i.e. $11k per year, which is a great offer, while Virginia Tech didn't offer me any scholarship yet. In terms of ranking, Virginia Tech is a better college and is a dream college for me. Without an aid or scholarship, it's going to be tough to manage with a loan. What are my chances of getting any scholarship or aid at Virginia Tech at all, or anytime later?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 7 months ago

First of all, congratulations on getting into so many great schools, and with such a terrific scholarship from SUNY! Really terrific.Unfortunately, Virginia Tech does not offer scholarships for international students. As stated on their website, "International students may not be eligible for scholarship opportunities offered by the Office of University Scholarships & Financial Aid.  You are more than welcome to contact us and seek advice on possible other opportunities."Helpful websites include;Scholarships Searches for International StudentsCanadian Ontario Student Assistance ProgramVirginia Tech Admissions Office for Undergraduate StudentsOffice of Multicultural Affairs at Virginia TechDean of Students at Virginia TechGlobal Education OfficeI would not suggest....View More

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We have three terms in school. And my grades look something like this: 9th (84%, 85%, 87%) , 10th (86%, 87%, 95% [Boards]) , *school change*, 11th (84%, 70%, 72%). I am in 12th grade now, as can be seen my 11th grades are terrible - has that ruined my chances at "top" schools forever? Some context: I gave up preparing for the JEE to focus on this. I am looking for full (or nearly full) financial aid (anything else would be totally unaffordable). I met an online counselor who suggested colleges like Drexel, etc. Sure, they are good, but my parents are extremely hopeful (considering I gave up on the JEE) , aka, think HYPSM (or top 20, at the very least). I honestly thought I had a tiny, tiny, tiny chance - but now I am not so sure and am freaked out and disappointed. Should I just give up and prepare for the JEE?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 7 months ago

Hi there! Although your grades have fluctuated quite a bit, there is no reason to give up completely on attending a US university. The first question I would ask as an admissions officer is what happened when you changed schools. Was the change of curriculum responsible for your dip in grades? Are there any other extenuating factors? I am also curious about your test scores. Grades are the No. 1 determinant of eligibility, but your test scores go hand in hand with grades. It's hard to thoroughly determine your best choices without this info.Having said that, even top domestic students with....View More

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Can I get a job on campus to help pay for my expenses?

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    Anupama Singh
  • advisor@indexcc.net

Anupama Singh Answered 7 months ago

Every campus has opportunities for paid jobs and earnings from part time jobs can help pay some expenses. Campus jobs vary in range - lab assistant, teacher assistant, administrative help or work in the campus cafe. Depending on the school, students can access campus jobs through a data base. However, working a job and balancing a full course load can be tricky.

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I was told that if I apply early with a really good SAT/ACT score of 1520+/34+, have strong extracurricular activities, good marks in high school, I might be able to bring my cost of attendance down at UT Dallas. Is this true?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 7 months ago

It's true! Those are very high scores for UT Dallas, which has generous scholarships even for international students. The university has tried hard to increase its diversity over the past few years, in particular by having diversity scholarships. In addition, there are many Academic Excellence Awards, the Eugene McDermott Scholars awards, and other scholarships available as well. To see some of the details, see https://www.utdallas.edu/isso/finaid/Here is the link specifically for scholarships https://www.utdallas.edu/finaid/scholarships/ . Here is the link for the Diversity Scholars. It includes a video specifically for international students. https://www.utdallas.edu/diversity/departments/community-engagement/diversity-scholars-program.htmlHope that helps! Feel free to reach out to me with any more questions.

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Regarding Virginia Tech Undergraduate International scholarships: I received an admit from Virginia Tech. Would I stand a chance of getting a scholarship later on, i.e. Freshman year Semester II or Sophomore year or even later if I haven't already got any? If yes what would it's range be? And how much do you think ranking of the University matters in terms of an undergraduate course? For example a great scholarship but relatively lesser rank (around 98) or high ranker with no scholarship considering I'm taking a student loan either way.

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    Anupama Singh
  • advisor@indexcc.net

Anupama Singh Answered 7 months ago

Since this is so institution-specific, I recommend you reach out to Virginia Tech and ask them about the possibility of a scholarship later on and the amount you may receive.  Ask about the likelihood of it and how many students have received it in the past.  However, if you choose to go, you shouldn't rely on it in the case it doesn't come through.  Also, you can ask about working on campus, how long it takes to get a job on campus, pay rate, and how many hours a student typically works as sometimes students earn more working on campus....View More

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How hard is it for international students to get a full scholarship at MIT or any other great university for undergraduates? Is it even possible?

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    Kim Dixit
  • kim@theredpen.in

Kim Dixit Answered 7 months ago

It is extremely competitive for any student to be admitted to MIT.  For international students the odds are even more daunting.  I've compiled these statistics: MIT admissions – what it takes (Class of 2020)Total number of freshman applications - 19020Number of applications (international)- 4299Percentage of applications (international) - 22.6%Total admitted students - 1511Overall acceptance rate - 7.9%Number of admitted students (international) - 132International acceptance rate against total applicant pool - 0.69%International acceptance rate against international applicant pool - 3%Total class size - 1485For more information: http://mitadmissions.org/apply/process/stats http://mitadmissions.org/apply/process/profile A competitive applicant would need to demonstrate excellence in academics as well as a depth of commitment and talent outside the classroom through....View More

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Could you please educate me regarding student loans in Canada?

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 6 months ago

There are no student loans available for international students in Canada. Students are eligible for financial aid at some universities and many of them offer merit scholarships for top students. Some universities also offer a one time entrance bursary. There are some merit scholarships that you will need to specifically apply for or you may have to be nominated by your school.

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    Akashdeep Singh

Currently I am in +2 doing Commerce with Maths in India. After +2, I would like to study in the USA. What SAT score do I need for a top business school in USA? What are the best schools and the admissions process? What type of financial aid is available? Will I get a job in USA after an MBA?

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    Tom O'Keefe
  • thomas.joseph.okeefe@gmail.com

Tom O'Keefe Answered 7 months ago

I may let others speak to some of the particulars here, but wanted to clarify a few key points: In the US, there is a marked distinction between undergraduate business programs and MBA programs. While SAT (or ACT) scores will likely be necessary in applying for an undergraduate business program, you would likely need to take either the GRE, or perhaps better, the GMAT, and have completed a four-year undergraduate degree before applying for an MBA program. Although the norms are somewhat fluid, it remains quite standard that applicants for MBA programs at top North American universities would have a....View More

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Where's it easier to get aid - U.S or UK and Canada?

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 6 months ago

No question about it. The US universities are far more flush with funds and aid is more accessible, even to the international applicant. Having said that, US private colleges are vastly more expensive than the UK or Canada. So that might kind of level out the money you might have to pay!!

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I am interested in law but I don't want to live in India. I thought of the US but it's really expensive plus I talked to my Counsellor, she doesn't suggest international students going to the US for law. I considered UK but then I'm confused regarding the employment there in the future. What should I do? Where is the best place to do law outside India.

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 6 months ago

Law is one of the courses that is best pursued in the country of your origin because laws are indigenous to each country. I agree with your counselor that if you want to pursue law in India, do it in India. In the US and Canada, you would have to complete an Undergrad degree before you even apply for a law degree. So that is 4 years + 3 years. Laws also vary from State to State, so you would have to take the Bar exam for the state that you want to practice in after that (assuming you get....View More

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Does UT Austin give scholarship to international students?

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 6 months ago

Yes, it definitely does. Scholarships are dependent on your academic and other achievements.

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I need advice deciding between BITS, Pilani campus(Electrical and Electronics Engineering 15k USD per annum) Vs UT Austin (Electrical Engineering 50k USD per annum). considering equal weightage to cost, infrastructure and research opportunities..

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    Tom O'Keefe
  • thomas.joseph.okeefe@gmail.com

Tom O'Keefe Answered 6 months ago

Short answer: Both are great schools. Congrats on having a tough choice to make!Longer answer: This is a very personal decision, and much of it – I imagine – will depend on your family's financial position, your long-term goals, and your own personal preferences. If, for example, your family is able to provide you significant financial support (and/or, you are willing to take on significant college loan debt, which I don't necessarily advise) and you are heart-set on coming to the US to study, then Texas probably makes sense. On the other hand, if attending UT would present a significant....View More

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If my uncle and my dad are together sponsoring my education in USA, is it necessary to get a loan sanction letter for the visa interview? (I will not require loan for my education)

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    Anupama Singh
  • advisor@indexcc.net

Anupama Singh Answered 6 months ago

As long as they have sufficient funding to cover your expenses, you shouldn't need any additional proof.  You'll first need to provide the financial information to the school you'll attend so they can issue your I-20.  Then, you will need to bring the information of your dad and uncle to your visa interview along with your I-20 and other documents.

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What is the average income we can expect during internships while going to a college in the US?

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    Kim Dixit
  • kim@theredpen.in

Kim Dixit Answered 6 months ago

While in college in the US, you can officially work on campus for 20 hours/week. The payment is dictated by the per hour rate set by the authorities. It is also possible that instead of giving a salary, the department you are working for at the university gives you concessions on your tuition fee instead of a salary. This, however, is not an internship. This is part time employment. An internship is technically an unpaid training.

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Are there any Canadian or UK universities that give need based aid to international students?

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 6 months ago

Sure, there are! Obviously it all depends on merit as all scholarships do. It is difficult for me to list the schools that give scholarships but there are some great schools that have the money to spare for international students. You need to decide on your schools and let me know and I can give you a clearer answer.

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Which need aware Ivy offers the most generous financial aid for international students?

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 6 months ago

The amount of financial aid is not dependent on the university but on the student. If you have been admitted to an Ivy, and you have demonstrated a clear financial need, then it it likely that your need will be met. The challenge is to be admitted!! 

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I have a decent CV: 35 in ACT, 90% in 11th, State Level Sports, etc. Can someone please suggest target/safety universities for economics? Most important factor for me is the financial aid.

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 6 months ago

Hi there,It sounds as if you have your reach schools already. Please let me know what they are so that I can help you round out the list. Also, check out the related articles on scholarships for international students, listed on the right side of this page. I'm happy to help once I have more information! 

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What is the cost of attendance per year for computer science undergrad at Urbana Champaign

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    Anupama Singh
  • advisor@indexcc.net

Anupama Singh Answered 5 months ago

It's a fairly quick search to find this information online. In future, I suggest that you try to search for information that is easily accessible.  Websites in the USA have reliable, up-to-date information.  I also strongly recommend you do not write to colleges and universities directly with questions that can be easily answered online, especially when asking for information about computer science.  If you are interested in CS and are hoping to get admitted to a CS program, the universities will assume that you have a skill set to do some very simple online research.  You do not want to make....View More

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What kind of 12th grade (CBSE/AISCE) score will help one ensure an admit in Imperial or a scholarship with NUS?

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 5 months ago

Both these are the top schools in their respective countries. While there are no guarantees of admission anywhere, I would say 97% and above would give you a strong chance of being accepted.

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I'm an Indian enrolled in an Indian College, and wish to transfer to US colleges. I have a 33 ACT, 800 Math II and 700 Physics. I need significant financial aid. I needed advice with things to do for a solid transfer application. Also open to suggestions for colleges to apply too.

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 4 months ago

Hi there! Before I can help more: which college do you currently attend, and how many credits do you have so far? What major will you declare? Also, please tell me a little bit about your grades in college, as well as what type of high school curriculum you were in, and those grades. Thanks! Happy to help once I have more details. Lisa

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I'm in 12th CBSE. Financial Situation of my family isn't that good. My parents told me not to take any further steps towards applying abroad, but they obviously wish to send me to a good University. Are there any good Colleges (USA , Canada, HK-Singapore), that just might accept me with my Board Marks or SAT(1450, may), IELTS TOEFL, assuming I can afford the expenditures later on?

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    Geetha Swamy
  • geetha.swamy53@gmail.com

Geetha Swamy Answered 5 months ago

There are all kinds of opportunities for financial aid and assistance in good universities in the world. Even with financial aid, it is likely your parents may have to spend some money. The question is how much can they afford. There are also universities that less expensive where you have a good chance of being admitted with merit scholarships since your SAT score is good and you seem to be a good student. I could probably give you more focused advice if I knew a little more about you and your aspirations!

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Since the applications go in around december/Jan, how do the awards achieved after submissions be taken into consideration? ( with reference to general applications, and Scholarship specific applications)

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    Judith Winters
  • judith@jwcchk.com

Judith Winters Answered 2 months ago

Any updates including awards, mid term or final grades can be sent to colleges after the regular decision deadline which generally extends from Jan1- Feb 1st depending on the college specific deadline- Students should email any updates to the admissions representative who reads for the region that the student is applying from- If you have a school counselor or someone in charge of communicating with US colleges, they can also send your improved and updated awards, recognition and grades to colleges.

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Assuming the university's Cost of attendance is '$X', and they cover '$Y' amount of my fee, then I will have to show just the '(X-Y)/4' amount to be paid for the first year, or whole 'X-Y' payment?

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    Lisa Buchwalter
  • lisabuchwalter@gmail.com

Lisa Buchwalter Answered 8 days ago

Hi there, you will be expected to show that you are able to cover the gap for all 4 years. Good question!

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