Documents Required for Abroad Education Loans
Synopsis: Know more about the documents required for applying for an education loan to study abroad. From basic documents like a valid passport, ID proof to academic documents like standardised test scores, and details of any scholarships to your co-applicant’s bank statements, income tax returns to additional documents for a secured education loan, here’s a detailed list of documents required. If you’re about to start your study abroad journey, we know the amount of excitement you have for the most transformative experience of your life. From the thrill of exploring new cultures to gaining a global perspective, international education provides endless opportunities. But we know the mere thought of financing your dream education abroad might pull you back. Introducing: education loans! The financial gap is no more a thing to tackle with the amazing options of financing provided by Indian and international lenders. While navigating your loan application, one daunting task that you wish you could skip is completing the documentation. Does the never-ending list of documents feel like a hurdle in your study abroad dream? Yes, we feel you! Don’t frown, rockstar! At Lorien Finance, we’re here to help you every step of the way. We’ve prepared a comprehensive guide to assist you with all the paperwork required in the process of securing an education loan for your studies abroad. From the necessary academic transcripts to the nitty-gritty financial proofs, to your cosigner’s details, we’ll bifurcate it all so you can complete your loan application confidently. Documents Required for Applying a Study Abroad Loan To secure an education loan for studying abroad seamlessly, you would require various documents to be submitted to the lenders. These documents can be categorised into various categories like academic documents, KYC documents and financial documents. Understanding the document requirements of the lenders is a crucial step for a student in their study abroad journey. Documents required from the applicant Documents required from the co-applicant Salaried Co-Applicant Self-employed Co-Applicant Additional Documents Required for a Secured Education Loan for Abroad Documents Required after Sanctioning the Study Abroad Loan To formalise the loan agreement and facilitate the disbursal of your loan, the lender provides you with some documents after your loan is sanctioned. These documents include: Documents Required for Disbursement of Study Abroad Loans After your study abroad loan has been disbursed, you will be required to share certain documents with your lender to ensure compliance with the loan agreement. These documents include: FAQs Can I apply for an education loan without a cosigner? Most lenders in India require a cosigner/co-applicant for abroad education loans, especially for higher amounts or unsecured loans. The co-applicant provides additional assurance of repayment. Can I secure an education loan if my co-applicant has a low credit score? A low credit score may affect loan approval and interest rates. It’s advisable to improve the credit score before applying or consider adding an additional co-applicant with a better credit score. At Lorien Finance, we’re here to help fund your abroad education in every way possible. Are there any tax benefits on education loan repayments? Section 80E of the Income Tax Act allows you to deduct the interest paid on education loans from taxable income, reducing your tax liability. How does the moratorium period work for education loans? The moratorium period is a grace period during which you’re not required to repay your loan, typically lasting until the completion of your course plus an additional 6-12 months. Interest may accrue during this period. Can I prepay my education loan without penalties? Many lenders allow prepayment of education loans without penalties, but it’s essential to check the specific terms and conditions of your loan agreement. Lorien Finance ensures you know all these factors while securing your abroad education loan.
Trudeau resigns as Canada PM: Impact on Indian students
Synopsis: During Trudeau’s tenure, Canada became a top destination for Indian students due to simplified visa processes, post-graduation work opportunities, and a welcoming society. However, even before Trudeau’s resignation, the Canadian government started imposing stricter regulations, including reducing international student permits, requiring higher family incomes, and limiting student work hours. With the potential change in leadership to Conservative Pierre Poilievre, Indian students are concerned about further tightening of immigration policies, increased competition for part-time and post-graduation work, and overall uncertainty about their prospects in Canada. While Canada remains a top choice, students are advised to stay updated on policy changes, explore education financing options, and consider guidance from immigration consultants. Despite the shifts, Canada’s core values of diversity and opportunities for international students are expected to continue, though the path may require more planning and effort. Indians have always considered Canada a land of dreams, offering world-class education and opportunities to shape a bright, global future. Over the years, the country has become a second home for many, thanks to the policies that helped international students to thrive. But with Justin Trudeau stepping down as Prime Minister on January 6 2025, there’s a growing sense of uncertainty: Will Canada be as welcoming for Indian students as before? Let’s dive into what this political shift means for students in Canada and those dreaming of getting there. Why Indian Students Chose Canada During Trudeau’s Era? For Indian students, Justin Trudeau’s time as PM felt like a golden age. The number of Indian students studying in Canada soared from 31,920 in 2015 to a staggering 278,250 in 2023. This was contributed by the seamless policies, including: For Indians, Canada has never been just an education destination—it was considered a land of possibilities where they could thrive and create a better future. The Shifts That Started Before Trudeau Left Even before Trudeau announced his resignation, the cracks in this perfect picture were beginning to show. In 2024, the Canadian government started imposing stricter regulations to tackle housing shortages and stretched public services. Key changes included:  These changes sent shockwaves through the entire international student community. Suddenly, what seemed like a second home started looking outré. What Pierre Poilievre Could Bring to the Table? With Trudeau stepping down, Conservative leader Pierre Poilievre has emerged as a potential successor. His views on immigration have raised eyebrows, especially among international students. In a recent statement, Poilievre linked international students to Canada’s housing crisis and job market challenges, saying: “Housing is expensive, jobs are scarce, and public services are stretched thin. Adding more temporary workers and international students without addressing these issues will only make life harder for Canadians.” If Poilievre takes over Canada, here’s what might change: For Indian students, this could mean more hurdles in their race to a global future—whether they’re already in Canada or still planning their journey. How Indian Students Are Feeling Right Now? For those already in Canada, the mood is mixed. Students are concerned about the upcoming restrictions on work opportunities, which could enhance their financial hardships. Others worry that changes in post-graduation work permits could make it harder to secure a permanent residency (PR). For students back in India, the dream of studying in Canada now feels like an even distant cry. With tightened regulations and ever-increasing costs, Indians are reconsidering their options or exploring alternatives like the UK, Australia, or Germany. Tips to Navigate These Changes  Change can be challenging, but preparation makes all the difference. Here are some practical steps for students: The Bigger Picture: Canada Still Values Diversity  Despite political shifts, Canada stands firm on it’s core values. It’s still a country that recognises the contributions of international students—economically, academically, and culturally. Yes, policies may evolve to prioritise serious students and align with Canada’s infrastructure needs, but the essence of Canada as a land of opportunities remains. Indian students have played a huge role in shaping Canada’s present, and there’s every reason to believe they’ll continue to shape its future.  Final Thoughts Political shifts are inevitable, but they’re also an opportunity to reflect, and rise above challenges. For Indians, studying in Canada may now require a bit more planning and effort, but the rewards remain worth it. So, while Trudeau’s resignation marks a turning point, it doesn’t have to be the end of your dream. With resilience and the right support, the dream of studying in Canada can still become a reality. At Lorien Finance, we’re here to support you throughout your journey. Whether it’s financing your education or navigating the uncertainties, we’re committed to helping you achieve your dreams.Â
CPT vs OPT: What’s the difference?
Excerpt The blog provides an overview of Curricular Practical Training (CPT) and Optional Practical Training (OPT), which are work authorization options for international students studying in the United States. It explains the key differences between CPT and OPT, including their eligibility criteria, types, and application processes. The document also covers topics such as the STEM OPT extension, Cap-Gap extension, and handling job-related scenarios while on OPT. Overall, the document aims to guide international students on navigating these work authorization options to gain relevant work experience during and after their studies. Are you planning to study in the US or have arrived in the States to pursue your higher education? Congratulations on your exciting journey ahead! However, we understand you’ve started searching for ways to gain relevant work experience while studying. Fret not, as we introduce you to the two superstars of student work authorisation – CPT and OPT. Think of CPT as your internship wingman and OPT as your career launchpad. So if you plan to know how you can gain work experience in the best possible way in the US, don’t worry, we will explain everything in a snap! Understanding CPT and OPT Curricular Practical Training (CPT) permits students enrolled in F-1 status to undertake work directly related to their curriculum, and this may include practices such as internships, cooperative education or any other practical training offered by a sponsoring employer in association with the students’ college/university. With no restriction of working 20 hours/week, students can even work full time while training. Note: In order to qualify for CPT, you must be an F-1 visa holder and have completed a full year studying at a Student and Exchange Visitor Program (SEVP) certified university. Optional Practical Training (OPT) provides international students with the opportunity to work in the US for up to 12 months. STEM graduates can avail a 24-month extension on their OPT. Note: Students at each level in their academic journey can apply for 12 months of OPT. Types of OPT Pre-completion OPT Students studying in any US institution certified by the US Immigration and Customs Enforcement (ICE) and the Student and Exchange Visitor Program (SEVP), are eligible to avail the pre-completion OPT. However, they must complete one full year studying in any institution in the US. Students authorised to avail the pre-completion OPT can work up to 20 hours a week while the school is in session or work full-time when the school is not in session. If your employer wishes to extend your employment, you will need to switch from an F-1 visa to an H-1B visa. Note: The duration availed for pre-completion OPT will be deducted from the available period of post-completion OPT. Post-completion OPT Students may choose to apply for post-completion OPT after successfully completing their program. All students are required to work for at least 20 hours a week or full-time, if authorised. Note: Students in STEM fields can apply for a 24-month extension on their post-completion OTP. STEM OPT Extension If you are studying at a US institution to secure a degree in courses like Science, Technology, Engineering, and Math (STEM), you are eligible to opt for a 24 months extension for your OPT. To avail the extension, you must fulfil the following eligibility criteria: Cap-Gap Extension A Cap-Gap extension helps you extend the tenure between the end of your F-1 visa and the start of your H-1B status. Key Differences between CPT and OPT To highlight the major difference between CPT and OPT, it’s essential for students to understand when they are eligible for either of the trainings. To put it in simple terms, CPT needs to be completed before the completion of their course, while OPT can be completed before or after their graduation. Let’s have a look at some of the other aspects to understand how CPT and OPT differ! CPT OPT Purpose To permit F-1 students to gain practical experience before graduating To permit F-1 students to gain practical experience after graduating Authorised by Requires permission from ISS (International Social Service) and the academic department Requires permission from USCIS (US government) Employment Duration Up to 12 months 12 months and can be extended up to 24 months Application Fee No application fee required An application fee of $410 should be paid to the USCIS Employment Type Part-time during school (20 hours per week) Full-time during break (40 hours per week) Full-time post graduation General Eligibility For CPT Training must relate to the student’s field of study The CPT should be authorised by the DSO in SEVIS The training should start before the end date of the program The training opportunity must be secured before authorising CPT For OPT Training must relate to the student’s field of study The student’s DSO must recommend OPT in SEVIS The student must not secure training before the DSO recommends OPT Documents Required for CPT and OPT Documents Required for CPT Documents Required for OPT CPT online workshop completion certificate 2 passport-size photographs Academic recommendation form I-765 (original) Copy of present I-20 Present passport’s copy In-depth description of training by your employer A printout of I-94 Print out of electronic form I-94 Copy of OPT recommendation and I-20 Copy of all the earlier issued I-20s Any earlier issued EAD cards’ copies F-1 visa stamp’s copy on passport How to Apply for CPT? To apply for your CPT, the steps would vary as per your university. However, some of the basic steps for the application include: Connect with the DSO at your university to know about the CPT options available at your institution, the requirements and the sponsoring employers. Secure an offer letter from your employer with all the necessary details. Ensure applying timely to the CPT program through your university with all the required documents. Once your CPT application is approved, you will have to sign a formal document with the training start and end date and safely keep a copy with you. Connect with your employer and share the relevant CPT
Rupee Weakens Past 85/USD: Impact on Indian Students Planning to Study Abroad
Dreaming of studying abroad but worried about rising costs as the rupee weakens? Discover how the depreciation past 85/USD impacts tuition, living expenses, and loan repayments—and more importantly, learn strategies to turn these challenges into opportunities. You’ve been planning to study abroad, chasing your dreams of attending a world-class university. But with the Indian rupee recently breaching the 85/USD mark, the financial path may feel more confusing than ever. For many Indian students like you, this depreciation translates to higher tuition fees, steeper living expenses and tougher financial decisions. Let’s break it down and explore how you can navigate this challenge without compromising your aspirations. Impact on Tuition Fees and Living Expenses Studying in dollar-dominated countries, like the U.S., just became more expensive. If you’re budgeting for your education, here’s what the weaker rupee means for you: Effect on Education Loans If you’re planning to fund your studies with an education loan, the rupee’s depreciation means you’ll need to consider: Challenges in Daily Expenses Daily expenses can quickly add up when studying abroad. Here’s what you might face: Potential Advantages for Overseas Earners On the brighter side, if you secure a part-time job or post-graduation employment abroad (ref CPT and OPT), you can turn the weaker rupee to your advantage: Mitigation Strategies The good news is that with the right approach, you can still manage your finances effectively. Here’s how: Leverage Lorien Finance’s USD Loans Additional Strategies: Conclusion Yes, the weakening rupee brings challenges, but it doesn’t mean you have to put your dreams on hold. With rising tuition costs, higher living expenses, and increased loan repayment amounts, planning ahead becomes crucial. However, earning in stronger currencies and leveraging solutions like Lorien Finance’s USD loans can help you manage these hurdles and stay on track. Let’s make your study abroad journey extraordinary. Talk to Lorien Finance’s loan experts today to explore options tailored to your goals. Together, we’ll turn your financial challenges into opportunities and help you achieve your dreams. FAQs How does the weaker rupee affect tuition fees? Tuition fees become more expensive in rupee terms, with a $40,000 program now costing INR 34 lakhs at 85/USD compared to INR 28 lakhs earlier. How are living expenses impacted? Costs for essentials like rent, food, and transport rise significantly as the exchange rate increases. Does the depreciation affect education loans? Yes, loan amounts and repayment costs increase, adding 3-5% annually for INR loans. Are there any benefits to earning abroad during this time? Earning in stronger currencies like USD can ease loan repayments, as higher exchange rates work in your favour. How can I manage rising expenses? Opt for USD-denominated loans, apply for scholarships, work part-time, and budget carefully to offset increased costs. Are there alternatives to studying in the US due to high costs? Countries like Canada or Germany offer quality education with comparatively lower tuition and living expenses. How can Lorien Finance help with these challenges? Lorien Finance offers USD loans, no-collateral options, and personalised financial planning to help manage study abroad expenses. What part-time work opportunities can help mitigate costs? Countries like the US allow students to work up to 20 hours weekly, providing additional financial support. Can I secure financial aid to reduce tuition costs? Yes, applying for scholarships or need-based aid can significantly lower your expenses. Is it still worth pursuing education abroad despite the weaker rupee? Yes, with proper planning, strategies like earning abroad and USD loans can make studying abroad financially viable.
A guide on studying in the USA for Indian students
Made the amazing choice of studying in the USA and having the experience of a lifetime? Well, we can only say it’s the best thing you can do! We know you have numerous questions and are searching the internet for everything or calling relatives in the States for advice-how to proceed, which university to choose, how to finance your study in USA journey, learning about the Visa interview, accommodation, and more. If you’re reading this, you’ve landed on the right page because we’re here to guide you through every little detail you need to know before planning your education in the United States. Why Study in the USA? But we ask, why not? Although, the reasons are plenty, let’s focus on some standout features that will assert your decision to pursue higher education in the USA. • The United States of America is home to over 5300 top universities offering a wide range of programs and courses. • We all know that employers love American degrees, boosting the chances of you securing a high-end job after your course completion. • With highly advanced research laboratories, manufacturing workshops, and more, you would be able to take part in groundbreaking research and create innovative new products. • Most American universities thrive on diversity as their strongest defining pillar. You are sure to make friends from different nationalities and ethnicities. Top 10 Universities to Study in the USA in 2024-2025 As per Forbes’ annual list of the best American colleges for 2024 – 2025, here’s a list of the top 10 universities in the US. These schools are said to produce successful, high-earning and influential graduates from all economic backgrounds with less student debt. Rank University State 1 Princeton University NJ 2 Stanford University CA 3 Massachusetts Institute of Technology MA 4 Yale University CT 5 University of California, Berkeley CA 6 Columbia University NY 7 University of Pennsylvania PA 8 Harvard University MA 9 Rice University TX 10 Cornell University NY The Categorisation of American Universities Type of University Description Ivy League Some of the oldest American institutions that are perceived to be some of the most esteemed places to study and therefore extremely competitive for admissions. Public Ivies State-funded or public universities in the US that have earned their reputation and are considered prestigious and academically rigorous. Liberal Arts Philosophy The courses begin with a wide variety of courses in humanities, languages, arts, and the social sciences before specialising in a particular field. Specialist Institutions Universities and institutes that specialise in providing degrees in a certain field such as degrees in music, visual and applied arts, etc. Land Grant Colleges and Universities Large, publicly funded universities Research-Intensive Institutions Universities that offer the highest level of research are a good starting point for students seeking a doctoral degree. Popular Student Cities in the US The United States is home to numerous locations with some of the best academic institutions for students from various parts of the world to pursue their education. Let’s have a look at some of the best student cities as per the QS world ranking 2025: City QS Ranking (Best Student Cities 2025) Boston 16 New York 18 San Francisco 29 Los Angeles 37 Chicago 44 Philadelphia 65 San Diego 69 Washington DC 70 Atlanta 72 Pittsburgh 80 Cost of Studying in the US With public and private universities available for higher education, tuition fees are the primary expense for studying in the USA. The cost of education in the USA for Indian students typically ranges from $35,000 (INR 29,49,504) to $85,000 (INR 71,62,759) per year, depending on the type of institution (public or private) and location. Let’s take a look at the estimated annual cost of studying for a postgraduate degree for international students in the USA, including tuition fees, room and board, and other expenses. Expense Category Cost Tuition and fees $20,000 – $40,000 INR 16,85,355 – INR 33,70,710 Room and board $10,000 – $15,000 INR 8,42,677 – INR 12,64,016 Books and supplies $1,000 – $1,500 INR 84,267 – INR 1,26,401 Personal Expense $2,000 – $3,000 INR 1,68,535 – INR 2,52,803 Health Insurance $1,000 – $2,000 INR 84,267 – INR 1,68,535 Total (per year) $34,000 – $61,500 INR 28,65,103 – INR 51,82,466 Researching the Best University & Course Now that you’ve decided to pursue your higher education in the USA, the next question is which university you will choose and what course you will pursue. We recommend applying to a few universities to keep your options open. On the US Department of Education’s College Navigator site, you can search for various associate’s, bachelor’s, and advanced degrees. To find the most suitable university, check out some renowned university rankings lists by U.S. News & World Report, Forbes, The Princeton Review, and Times Higher Education. But, remember, rankings should not be the only criteria you use to choose a university. Ensure shortlisting universities that are welcoming to students from around the world – and also align with your academic and professional goals. Moreover, your major should be the most important factor when choosing colleges to apply to in the United States. Additionally, keep in mind factors like each college’s location in the US, the climate (weather), tests required (academic standardized and English proficiency tests), tuition fees, scholarships, international student services, campus facilities, internships and job placement options to shortlist universities that best suit your needs. University Applications Once you’ve chosen the program you wish to pursue and shortlisted some universities, let’s begin your university applications. You can start applying on the universities’ online portal by providing some necessary information and submitting specific documents listed by the university. It is also important to know when the academic year commences in the USA. Most universities in the United States commence their classes in August-September usually known as the Fall intake. A few colleges also provide a January-February intake, called the Spring intake, that lasts till April. A Summer intake is also available for limited short-term programs between May and August. The duration of each course depends on the
Education Loan to Study in the USA for Indian Students
Home to some of the world’s most prestigious universities, the US remains a top destination for Indian students pursuing higher education abroad. With world-class academics, cultural diversity, career opportunities, and extensive networking prospects, studying in the US offers students an unparalleled experience. In 2023, approximately 268,923 Indian students chose the US for their studies, a number that rose to 337,630 in 2024. By 2030, annual enrollments are expected to surpass 1 million. Education Loan to Study in the USA for Indian Students options are increasingly in demand, helping to make these academic ambitions a reality. So many reasons for its popularity, but studying in the world’s largest economy comes at a cost. The tuition fees and the living expenses involved in studying in the USA can seem quite challenging for students aspiring to study abroad. Well, don’t dwell on it! The increasing availability of education loans for studying abroad has made it easy for Indian students to pursue their study abroad dreams. With numerous Indian and International lenders offering education loans to Indian students, the financial hassle is becoming a far cry. How Much Does it Cost to Study in the USA? Let’s calculate the costs of studying in the USA, assuming you’ve planned to pursue your Master’sdegree. The cost related to the admission process changes depending on the location of your chosen university. Thus, it’s always helpful to secure an education loan for studying in the US that would cover your tuition fee, living, and other miscellaneous expenses. Particulars Cost Exam fees $213 for GREINR 15,500 for IELTS$190 for TOEFL University Application fees $45 – $100 Visa Application fees $ 160 SEVIS fees $ 350 Tuition fees $18,000 – $65,000/year Living expenses $10,000 – $20,000/year Health Insurance $1500 – $2500 Air fare $ 1000 To fund the costs involved in studying in the US, the easiest way is to secure an Education Loan to Study in the USA for Indian Students and repay it after course completion and securing a job. Education loans for Indian students planning to study in the US are available with both domestic and international lenders at affordable interest rates, helping you access a world-class education abroad. Education Loans in the US for Indian Students There are numerous options available for Indian students to finance their dream of studying in the USA. Opting for an Education Loan to Study in the USA for Indian Students is one of the most affordable choices. To study in the United States, Indian students can choose from various types of education loans: secured education loans, unsecured education loans, US cosigner education loans, or no cosigner no collateral education loans. Let’s learn a little more about all these loan categories! Secured Education Loans for Indian Students to Study in the USA Secured loans for studying in the US are loans where the student or the cosigner pledges collateral in exchange for the loan amount, which in most cases is in the form of property. This enables you to secure a higher loan amount compared to unsecured loans. Types of Collateral Accepted Any tangible or intangible assets you plan to pledge in exchange for your study abroad loanamount are considered collateral. However, lenders have a list of what can be accepted. This listincludes any liquid asset preferably shares, bonds, FD, mutual fund units, gold, life insurancepolicy, government securities, bank deposits, debentures, or any immovable property like thehouse, any commercial property, or land that can be classified as collateral. Note: Agricultural land whose tax is paid to Gram Panchayat or Nagar Panchayat is not accepted as collateral. Here’s a list of all the lenders that offer education loans with collateral for Indian students to study in the US: Lender Type Maximum LoanAmount(In INR) Starting Rate ofInterest* Margin Money Auxilo Indian NBFC Upto 100% of thecost of education 11.50%* Nil Avanse Indian NBFC Upto 100% of thecost of education 11.50%* Nil Axis Bank Indian Private Bank Upto 1 crore 10.50%* 15% HDFC Credila Indian NBFC Upto 100% of thecost of education 10.50%* Nil ICICI Bank Indian Private Bank Upto 1 crore 10.25%* Nil IDFC Bank Indian Private Bank Upto 1 crore 10.50%* Nil Incred Indian NBFC Upto 100% of thecost of education 11.75%* Nil State Bank of India Indian Public Bank Upto 1.5 crore 10%* 15% – 20% TATA Capital Indian NBFC Upto 100% of thecost of education 11.50%* Nil Union Bank of India Indian Public Bank Upto 1 crore 9.25%* 15% Unsecured Education Loans for Indian Students to Study in the USA For students who wish to study abroad but face challenges in arranging funds or assets to pledge as security for secured loans, an Education Loan to Study in the USA for Indian Students without collateral is the best option. However, due to the absence of collateral, the interest rates for these loans are typically higher than those for secured education loans for studying abroad. Lender Type Maximum LoanAmount(In INR) Starting Rate ofInterest* Margin Money Ascent International NBFC Upto 100% of thecost of education 3.79%* Nil Auxilo Indian NBFC Upto 40 lakhs 11.50%* Nil Avanse Indian NBFC Upto 75 lakhs 11.50%* Nil Axis Bank Indian Private Bank Upto 50 lakhs 10.50%* 15% Earnest International NBFC Upto 100% of thecost of education 3.74%* Nil HDFC Credila Indian NBFC Upto 75 lakhs 10.50%* Nil ICICI Bank Indian Private Bank Upto 1 crore 10.25%* Nil IDFC Bank Indian Private Bank Upto 85 lakhs 10.50%* Nil Incred Indian NBFC Upto 60 lakhs 11.75%* Nil MPower Financing International NBFC Upto $100,000 12.74%* Nil Prodigy Finance International NBFC Upto 100% of thecost of education 11.50%* Nil Sallie Mae International Bank Upto 100% of thecost of education 3.49%* Nil State Bank of India Indian Public Bank Upto 75 lakhs 10%* 15% – 20% TATA Capital Indian NBFC Upto 75 lakhs 11.50%* Nil Union Bank of India Indian Public Bank Upto 40 lakhs 9.25%* 15% US Cosigner Education Loans for Indian Students to Study in the USA To explain, if you’re planning to study in the US and
Mastering the Culinary Canvas Abroad: How Indian Students Balance Food and Academics
Studying abroad is an exciting adventure that introduces students to new cultures, environments, and experiences. One often-overlooked aspect of this journey is the culinary transformation that Indian students undergo. Just like artists find inspiration in their surroundings, Indian students encounter a new culinary world when they study abroad. This blog explores how Indian students balance food cravings and academics, managing their nutrition while excelling in their studies. We’ll also highlight how financial support from Lorien Finance plays a crucial role in helping students succeed both academically and personally. Discover how Indian students balance food and academics for a fulfilling overseas experience. Embracing a New Palette: From Spices to European Flavors Much like artists exploring new mediums, Indian students venture into their host country’s food scene with curiosity and enthusiasm. The absence of familiar Indian ingredients like paanch phoron, bhindi, and karela may initially pose a challenge, but it also opens up a world of possibilities. Suddenly, the students find themselves surrounded by corn-fed chicken with golden skin, succulent pork, high-quality beef and lamb, fresh fish and seafood, and an array of cheeses, olives, and salads. This shift from desi staples to European delights becomes their culinary canvas. Culinary Adaptation: A Journey of Creativity Just as painters adapt their techniques to suit the environment, Indian students adapt their cooking habits to the new ingredients available to them. The absence of familiar dishes like daal, sabzi, and roti leads to experimentation with new recipes. Salads become a canvas for mixing and matching ingredients, akin to an abstract artwork. Roasting becomes an exploration of flavors, and breakfast turns into a delightful array of cold cuts, cheeses, and pickled vegetables. Even the way eggs are cooked transforms, with delicate poaching, minimal frying, and creative omelette recipes. Nostalgia and Identity: The Return to Familiar Flavors While embracing new culinary experiences, the longing for home-cooked meals and flavors is never far away. Friends and acquaintances might request a taste of Indian cuisine, prompting students to whip up a homemade Indian meal. Even in a foreign land, they search for authentic Indian eateries to satiate their craving for idli-dosa or other beloved dishes. This dance between adapting to new flavors and cherishing their cultural identity adds depth to their culinary journey abroad. Lorien Finance: Enabling Dreams Abroad Just as students immerse themselves in a new environment, Lorien Finance is dedicated to supporting Indian students’ aspirations of studying abroad. Through its partner banks, Lorien Finance offers competitive interest rates on loans to help students achieve their educational dreams. This financial support becomes the backbone of students’ endeavors, allowing them to focus on their academics and experiences rather than worrying about financial constraints. Returning Home: A Culinary Crescendo As the study abroad journey draws to a close, students find themselves undergoing a culinary transformation yet again. Nostalgia for the flavors of home prompts them to recreate familiar dishes with the ingredients available to them. The experience of whipping up a proper anda-bhurji, using techniques learned abroad, evokes a preposterous joy that signals it’s time to return home. In conclusion, the journey of Indian students studying abroad mirrors the evolution of an artist exploring new surroundings. Just as painters find inspiration in the unfamiliar, students embrace new culinary experiences, adapt their cooking techniques, and ultimately bring newfound creativity back to their roots. Lorien Finance’s support further facilitates this journey, ensuring that financial constraints do not hinder the pursuit of academic excellence and personal growth on foreign shores. Just as the culinary canvas expands, so do the horizons of these students’ futures
Beyond GPA: How Extracurricular Activities Shape Your Career Path
Securing a job goes beyond the numbers on your academic report card. While a GPA between 3.5 and 4.0 is often considered ideal, employers today are looking for much more than just high grades. It’s time to debunk the myth that GPA is the sole factor in your career prospects. At Lorien Finance, we understand that extracurricular activities play a significant role in shaping your employability. In this article, we’ll explore how extracurricular activities shape your career path and how these “bonus adventures” enhance your skills, personality, and professional opportunities. Extracurricular Activities: Your Unique Edge: In the world of job hunting, employers adore seeing candidates who have ventured beyond their textbooks. Enter extracurricular activities—those captivating bonus adventures that enrich your life in countless ways. Whether it’s joining clubs, societies, or teams, these experiences offer a window into your passions and what makes you stand out. These activities unveil a side of you that goes beyond being a student; they showcase your identity as an individual with unique skills and interests. Personality Matters: Employers aren’t just interested in your academic prowess; they’re keen on understanding your personality. Clubs, societies, and team engagements provide insights into your character, showing employers what sets you apart from the crowd. By participating in these activities, you’re demonstrating your dedication, commitment, and ability to collaborate effectively—qualities that transcend academic achievements. Skills that Shine: Engaging in extracurricular activities offers a multitude of skill-building opportunities that you might not find in textbooks: Team Player Extraordinaire: Working collaboratively within groups teaches you the art of teamwork, a trait highly valued by employers. Navigating diverse personalities, ideas, and opinions moulds you into a proficient team player. Reliability in Action: Taking charge and ensuring tasks are accomplished not only showcases your leadership but also establishes you as a reliable individual. Employers treasure individuals who can be counted on to deliver results. Cultural Competence: Imagine being part of a group with friends from around the world. You learn about their cultures while sharing your experiences. This fosters cultural competence—an invaluable skill in our globalized world. Leveraging Your Experiences: In a job interview, don’t underestimate the power of your extracurricular stories. Be confident in sharing the skills you’ve acquired outside the classroom. Whether it’s leading a team to success, showcasing unwavering dedication, or demonstrating your adaptability, these experiences bolster your qualifications in ways that extend far beyond your GPA. Conclusion: At Lorien Finance, we celebrate the multifaceted journey that students undertake. Your academic accomplishments are undoubtedly important, but your involvement in extracurricular activities paints a comprehensive picture of who you are. As you venture into the professional world, remember that employers seek individuals who can bring more to the table than just numbers. Your unique experiences, skills, and personality shine through your extracurricular pursuits, making you an invaluable asset in any workplace. So, when the opportunity arises, proudly share your real-life stories—it’s not just about what you’ve learned, but about how you’ve grown as an individual. Your journey is more than a transcript; it’s a testament to your potential.
Guide to Opening a US Bank Account from India
Let’s see. You plan to go to the US for your higher education or first job. So naturally, this has got you thinking about your finances. It is natural for anyone new to feel overwhelmed. Opening a bank account in USA. offers security for your funds and is the first step to creating a financial footprint in the country. Understandably, it might seem daunting, but we are here to guide you through it. Our blog will provide answers to some of the most frequently asked questions like, ‘Can a non-resident open a US bank account?’, ‘What is the quickest way to open a US bank account from India?’, ‘How long does it take to get a functional bank account in the US for a non-resident?”, and so on and so forth. This blog will also provide you with information regarding selecting a suitable bank account, applying for one, and getting benefits from a US bank account. The Basics While a non-resident is permitted to open a US bank account from India, the rules vary quite a bit. The 1964 Civil Rights Act explicitly gave private businesses in the US the right to contract with foreign individuals or groups, making it easier for new residents of the US to bank there. Under the act, banks and credit unions have to follow a strict set of guidelines while verifying any application from someone who is non-American. However, the act was passed before 9/11 happened. Since then, it has become more difficult for foreigners to open accounts, engage in monetary transactions, or even conduct business with American financial institutions abroad. What are the required documents to open a US Bank Account from India? The bank you are applying to may want you to have The contact information like name, address, and phone number Government-issued IDs such as a passport and a valid driver’s license Utility bills with current address Postal address in the US for delivering the credit card. If you are a student, provide your hostel address Permanent address as per your passport Copy of your passport Form i20 or form i797 Alternate ID proof like college ID or your birth certificate You have to be 18 or older to set up a checking and savings account. But these requirements vary depending on the state or financial institution. Therefore, it’s best to open a US Bank Account as soon as possible. The ideal scenario is to open an account and get a US Debit Card from India before you travel. Opening a US Bank Account from India: Opening a US Bank Account from India as a non-resident was impossible, even a few years ago. But, due to the joint efforts from private companies and the collaboration between the Indian and the US government, people migrating to the US for education or work purposes can now open an account without too much hassle. Lorien Finance is one such institute that provides fast and smooth US bank account opening process to Indian students. Importance of SSN: If you are a citizen of the United States of America, the government issues its people with a nine-digit number known as the Social Security Number (SSN). In the case of a permanent citizen or an immigrant, you can apply for an SSN. If you plan on working in the US, you need a social security number. If you have already applied for it before reaching the US, expect to receive your SSN within three weeks of arriving. Additionally, SSN helps get a US Bank Account more efficiently, and you can get a driver’s license without too much hassle. Why is having a US Bank A/C and a debit card so important?: Since the US is a highly developed and digitally enhanced country, having a debit card in the US can be greatly beneficial. Additionally, having a debit card enables you to have instant purchasing power and be proficient in digital financial literacy. The Lorien debit cards (powered by Sable) also offer unlimited attractive rewards after a specific usage. Building your credit history is essential for getting yourself acquainted with the American economy. Your credit score determines a consumer’s credit risk. Why is having a US Bank A/C and a debit card so important?: Since the US is a highly developed and digitally enhanced country, having a debit card in the US can be greatly beneficial. Additionally, having a debit card enables you to have instant purchasing power and be proficient in digital financial literacy. The Lorien debit cards (powered by Sable) also offer unlimited attractive rewards after a specific usage. Building your credit history is essential for getting yourself acquainted with the American economy. Your credit score determines a consumer’s credit risk. Why is having a US Bank A/C and a debit card so important?: Since the US is a highly developed and digitally enhanced country, having a debit card in the US can be greatly beneficial. Additionally, having a debit card enables you to have instant purchasing power and be proficient in digital financial literacy. The Lorien debit cards (powered by Sable) also offer unlimited attractive rewards after a specific usage. Building your credit history is essential for getting yourself acquainted with the American economy. Your credit score determines a consumer’s credit risk.
Studying Abroad | Winter Survival Tips in The USA
Winter in the US has a distinctive charm of its own. If you’re equipped with warm jackets and cozy scarves, winter is bound to impress and delight. Brighten up your festive feelings in the chilly season while managing the challenges that come with it, from limited sunlight to stimulating new mental activity. The cold, indulgent holiday meals, and even Snowpocalypse scenarios can feel overwhelming. However, winter doesn’t have to be a tiresome slog. With colorful Christmas markets, festive beverages, and delicious holiday season food, there’s plenty to enjoy. Explore our Winter Survival Tips in The USA to make the most of the season! Even then we present to you some easy tips on how to survive a brutal winter in the US! What is the best way to stay warm? In the colder months, it’s important to make sure you’re staying warm and hydrated. Here are some little things to keep in mind while you are at your dream college in a foreign land: -Dress in layers: Wearing multiple layers of clothing is one of the best ways to stay warm. This way, if you start to feel too warm, you can always take a layer off. Frankly speaking, the Indian winter wear won’t help in such chilly weather. So, buy thermals, insulated coats, and water-resistant shoes from the US itself, and always keep double layers on to keep cold at bay. Brands like Columbia are easily available and affordable. Lorien Finance gives you complimentary US Bank A/C and Debit cards with exclusive cash-back offers to make your purchase easy and hassle-free. Visit the website to check out more. –Stay dry: It’s important to stay as dry as possible when it’s cold out. Wet clothes can make you feel much colder than if they were dry. Keeping a change of clothes or wearing water sturdy slip-resistant boots and tightly woven, water-repellent, and hooded garments could be your savior. Drink plenty of fluids: Staying hydrated is key in any season, but especially in winter. Make sure to drink plenty of water or other fluids to regulate your body temperature. Keep a reminder on your phone, even when you are not thirsty your body requires liquids to keep you going. Keep Some food with you: Even if you’re going to attend college keep energy bars or protein/chocolate bars since frequent eating warms up the inside of the body and keeps you warm in more ways than one! Weather Apps: Install a weather app on your phone to stay updated on the weather forecast. The wind chills could be a bit tricky and change the atmosphere. Avoid alcohol: Although it may seem like a good idea to drink alcohol to keep warm, it does the opposite. Alcohol makes your body lose heat faster and can cause dehydration, so it’s best to avoid it if you’re trying to stay warm. No Exposed Skin: Make sure none of the skin is left exposed, including your earlobes and fingertips. They could lead to frostbites. Scarves and headbands should be worn at all times when heading out during winter. Keep friends closer: Winters can be depressing, and winter depression is for real. So, keep in touch with your family and friends back home via facetime/skype. Lorien Finance helps you stay connected with your loved ones by providing international students with a Free SIM Card, free international calling, and 2GB of internet data in the first month. How can you increase the warmth inside your home? You can do a few things to bring some extra warmth into your home this winter. One is to make sure that you seal up any cracks or openings around doors and windows. You can also add some insulation to your walls and attic. Maintain the central heating at a minimum of 65*. Another way to stay warm is to wear layers of clothing inside the house. Clear the driveways and sidewalks from ice to prevent injuries. Also, occasionally open your faucets and let the water drip! This prevents water pipes from freezing. And finally, make sure you have plenty of blankets and pillows on hand to cozy up with when the temperature drops. How can you keep hydrated in this winter season? With the weather getting colder, it’s important to keep your body hydrated. Water helps keep your skin from drying out, prevents chapped lips, and helps your immune system fight off infection. Here are some tips on how to stay hydrated this winter season: 1. Drink plenty of fluids throughout the day, even if you’re not thirsty. 2. Carry a water bottle with you so you can take a sip whenever you like. 3. Add extra moisture to the air by using a humidifier in your home or office. 4. Drink fruit juices and eat fruits and vegetables that contain high water content such as watermelon, grapes, celery, and cucumbers. 5. Avoid diuretics such as caffeine and alcohol which can dehydrate your body. Top 5 US campuses with the coldest winters: Some students crave cold weather, while others simply bear it in exchange for a reputable degree. Whether you love the idea of bundling up for a class or you’d rather study by the pool, check out five top-ranked colleges with serious cold weather conditions: Despite their harsh winter weather conditions, the schools we’ve listed are among the best institutions in the world. A top-tier diploma can go a long way, even if you have to rub the frost off it. Where should people go if they want to go outside and have fun on a cold day? Although it may be cold outside, that does not mean you cannot have any fun. Make sure you get warm pads. Simply shake them and stick them in socks to keep your feet warm or your hands or any part of the body to avoid frost bites. Get a pair at a convenience store nearby or on Amazon There are plenty of activities to enjoy during a cold day, as long as you dress appropriately and take care of