Trump 2.0 Policies: Impact on Indian Students
Synopsis: With Trump being re-elected as the 47th President of the United States, Indians living in the US and Indian students planning to study in the US are affected vastly. Know more about the H-1B visa problems, stricter immigration guidelines, and OPT adjustments made during Trump 2.0. November 6, 2024, marked the re-election of Donald Trump as the 47th President of the United States, a moment that has stirred significant conversations globally, particularly within immigrant communities. Known for his staunch stance on immigration and policies favouring a more restrictive visa regime, Trump 2.0 has raised new challenges for Indian nationals living in the US and those aspiring to pursue their American dream through higher education. For Indian professionals and students, the US has long been a land of opportunities, offering world-class education and career prospects. However, the renewed focus on tightening immigration policies has made these aspirations more complex, forcing many to reevaluate their plans. Let’s delve into how Trump’s policies are impacting Indians already in the US, explore the challenges faced by Indian students planning to study in the States, highlight what these students are searching online, and alternative study abroad destinations for those seeking international education. Impact on Indians in the US The reinstated Trump administration has implemented several policies affecting Indian nationals: • Repatriation of Undocumented Immigrants: In a move to strengthen diplomatic ties with the US, the Indian government plans to repatriate approximately 18,000 undocumented Indian immigrants. This initiative aims to alleviate tensions and safeguard legal immigration avenues. • H-1B Visa Program Debate: The H-1B visa, crucial for many Indian professionals, is under scrutiny. While some industry leaders advocate for its continuation to fill specialised roles, others within the administration label it as problematic, leading to uncertainty for current and prospective visa holders. Challenges Faced by Indian Students Planning to Study in the US Prospective Indian students are encountering several hurdles: • Stricter Immigration Policies: Heightened enforcement has led to increased deportation fears, especially among students engaged in part-time work. Many are reconsidering such employment to avoid potential legal issues. • Potential Changes to OPT and Visa Durations: Discussions about modifying the Optional Practical Training (OPT) program and adjusting visa durations are causing apprehension, as these changes could limit post graduation work opportunities. Students’ Voice Online With an in-depth exploration of platforms where students engage to clarify their doubts reveals that Indian students are actively seeking information on: • Policy Updates: Students are inquiring about the latest changes in US immigration and education policies under the renewed administration. • Visa Application Processes: There is a heightened interest in understanding the intricacies of visa applications, renewals, and potential restrictions. • Alternative Study Destinations: Given the uncertainties, many are exploring other countries that offer quality education and more stable immigration policies. Alternative Study Abroad Destinations Considering the challenges in the US, Indian students are looking into other countries for higher education: • Germany: Known for its quality education and affordable tuition, Germany is gaining popularity among Indian students. The country is expected to host over 400,000 international students in the 2024/25 winter semester. • France: France aims to host 30,000 Indian students by 2030, offering diverse programs and cultural experiences. • Ireland: With its English-speaking environment and robust education system, Ireland is emerging as an attractive destination for Indian students. • Netherlands: Offering a variety of English-taught programs and a multicultural environment, the Netherlands is becoming a preferred choice. • Singapore: Proximity to India, coupled with reputable institutions and a safe environment, makes Singapore an appealing option. Recommendations for Prospective Indian Students • Stay Informed: Regularly monitor official government websites and reputable news sources for updates on immigration and education policies in your desired study destination. • Explore Multiple Destinations: Consider countries with favourable immigration policies and post-study work opportunities. • Financial Planning: Ensure you have adequate funds or secure scholarships to minimise reliance on part-time employment. • Compliance: Strictly adhere to visa regulations and avoid unauthorised employment to prevent legal complications. • Seek Professional Advice: Consult with education counselors or immigration experts to make informed decisions about your study abroad plans. While recent policy changes under the Trump 2.0 administration have introduced challenges for Indian students aspiring to study in the US, it is important to recognise that the US remains one of the most sought after destinations for higher education. By staying informed, seeking the right guidance, and proactively planning their finances and compliance with visa regulations, Indian students can still unlock the vast opportunities the US has to offer. For those open to exploring new possibilities, other countries like Germany,Ireland, and Singapore also present promising alternatives. Ultimately, the decision to study abroad should be driven by personal goals and careful consideration of all available options. With resilience and adaptability, Indian students can chart a path that leads to academic success and rewarding global experiences. The American dream is still alive for those who prepare wisely and remain committed to their aspirations.
Should I Go Abroad for Undergraduate or Postgraduate Studies?
Synopsis: Deciding whether to pursue Undergraduate or Postgraduate Studies abroad includes thinking about elements like profession dreams, budget, independence, and subject of study. It’s a personal desire based on individual occasions and aspirations. Lorien Finance can assist with the financial factors of reading abroad. Deciding to study abroad is a dream for many students, offering a blend of academic excellence, cultural exposure, and career opportunities. However, one question often looms large: should you pursue your undergraduate studies abroad or wait for postgraduate studies? This decision is critical and depends on several factors—your career goals, financial situation, readiness for independence, and long-term plans. Let’s dive deep into the advantages, challenges, and considerations for both options, so you can make an informed choice. Why Choose to Study Abroad? Studying abroad offers more than just a degree. It provides: Now, let’s explore whether these benefits align better with undergraduate or postgraduate studies for you. Going Abroad for Undergraduate Studies Advantages Starting your academic journey abroad exposes you to advanced education systems, encouraging critical thinking, innovation, and a global perspective. Spending 3-4 years in a foreign country helps you master the local language and deeply understand the culture, which is invaluable for global opportunities. You get more time to form professional and personal connections that can benefit your future career. Undergraduate programs abroad often include multidisciplinary curricula, giving you the flexibility to explore different fields before specialising. Challenges Undergraduate degrees abroad can be expensive, especially when factoring in tuition, living expenses, and exchange rates. Transitioning to a new culture at a young age can be overwhelming without proper preparation and support. Being away from home for 3-4 years requires a strong sense of independence and adaptability. Going Abroad for Postgraduate Studies Advantages Postgraduate programs are designed to deepen your expertise in a specific field, making you a specialist. Most master’s programs abroad last 1-2 years, making it a more time-efficient and financially manageable option. Many postgraduate students can leverage internships, assistantships, or part-time work opportunities to reduce costs and gain professional experience. After completing an undergraduate degree locally, you may have saved enough or secured scholarships, reducing financial strain. Employers value postgraduate degrees for the specialised skills and global exposure they bring. Challenges Postgraduate programs are often intense, with a steep learning curve and less room for exploration compared to undergraduate studies. With just a year or two, you’ll need to quickly adjust to the new environment and make the most of the experience. Factors to Consider When Deciding Career Goals Financial Situation Readiness for Independence Are you ready to live alone, manage finances, and adapt to a new culture? If not, you might benefit from waiting until postgraduate studies. Field of Study Some fields, like medicine, often require extensive undergraduate training abroad. Others, like business, might benefit more from a postgraduate degree. Long-Term Plans Do you see yourself settling abroad? If yes, starting early with an undergraduate degree can help you establish roots. The decision to go abroad for undergraduate or postgraduate studies is deeply personal and depends on your goals, finances, and readiness. Whether you choose to start your journey early or specialise later, the opportunities are immense. At Lorien Finance, we understand the complexities of studying abroad and are here to help you navigate the financial aspects seamlessly. Reach out to us today, and let’s turn your dream into reality—one step at a time! FAQs Is it easier to get scholarships for undergraduate or postgraduate studies? Scholarships are more common for postgraduate studies due to their shorter duration and specialisation focus. However, many universities offer merit-based scholarships for undergraduate students as well. Which countries are best for undergraduate vs. postgraduate studies? If you’re planning to pursue your under graduation abroad, the US, UK, Canada and Australia remain the top choice. However, for post graduation, Germany, Netherlands, and Sweden are some amazing choices. The list doesn’t end here. Whatever country you choose to study in, at Lorien Finance, we help you fulfil your study abroad dream throughout. How can I manage the cost of studying abroad? To manage your study abroad costs, ensure applying for scholarships and grants, considering education loans with favourable terms, and work part-time while studying, if permitted. Should I work after my undergraduate degree before pursuing a postgraduate degree? Yes, gaining work experience can strengthen your postgraduate application and provide clarity on your career goals. What’s the ROI of studying abroad for undergraduate vs. postgraduate? Undergraduate degrees offer long-term benefits through early exposure and networking. Postgraduate degrees are quicker to complete and provide immediate specialisation for career growth.
The Abroad Education Loan Disbursement Process with Indian Private Lenders: A Step-by-Step Guide
Synopsis: The Abroad Education Loan Process with private creditors in India protects record submission, mortgage agreement, and fund launch inside 15 days. It consists of ICICI, IDFC, and Axis Bank offering secured and unsecured loans for reading abroad. Studying abroad is a dream for many Indian students, and securing the funds for this journey is a crucial step. Education loans from private lenders like ICICI Bank, IDFC Bank, and Axis Bank have become a lifeline for students aspiring to achieve global education. While the abroad education loan process for disbursement might seem complex, this step-by-step guide aims to simplify it for you. At Lorien Finance, we are committed to ensuring your education loan process is seamless and stress-free. Let’s dive into the detailed procedure of education loan disbursement with private lenders, covering eligibility, documentation, and the disbursement steps. Eligibility Criteria The first step in securing an education loan is to meet the eligibility requirements set by private lenders. These criteria ensure that both the student and co-applicant (typically a parent or guardian) demonstrate the financial stability needed for loan approval. Here’s what private lenders typically look for: For the applicant: For the co-applicant: Additionally, each lender has a specific list of universities they cater to, ensuring your institution is covered before proceeding. Types of Loans Offered To help you finance your education abroad, private lenders offer both secured and unsecured loans. The amount offered in these loans are as follows: Unsecured Loans: Up to ₹1.5 crore. Secured Loans: Up to ₹2 crore, with collateral such as property or fixed deposits. Documents Required to Secure a Loan from Private Lenders Each lender has its own abroad education loan process for handling documentation: Here’s a list of documents required by these private lenders to facilitate your loan application for your higher education abroad: Documents required from the applicant Documents required from the co-applicant Salaried Co-Applicant Self-employed Co-Applicant Loan Application Process Once all eligibility requirements are met, and documents are submitted, the loan application moves through the following stages. Step 1: File Logging The submitted file is logged into the lender’s system for review. Step 2: Credit Analysis Lenders conduct a thorough credit analysis, evaluating the financial stability of the applicant and co-applicant. Step 3: Loan Sanction After approval, the applicant is required to pay a processing fee to the lender after which the lender issues a sanction letter detailing the loan amount, terms, and conditions. Loan Agreement and Document Finalisation After the loan is sanctioned: Opening a Bank Account To facilitate the disbursement: Disbursement Process The disbursed loan amount is allocated in two parts: Timeline for the Entire Process The entire disbursement process—from eligibility evaluation to funds being released—typically takes up to 15 days, making it one of the most streamlined processes for education loans in India. Why Choose Lorien Finance? Navigating the education loan process can be overwhelming, but that’s where we step in! With partnerships with leading private lenders like ICICI Bank, IDFC Bank, and Axis Bank, we ensure that your loan application is smooth, fast, and hassle-free. FAQs What happens if my university isn’t on the lender’s list? Most private lenders cater to a fixed list of recognised universities. If your institution isn’t listed, we at Lorien Finance can help you explore alternative financing options. Can the co-applicant be someone other than a blood relative? Generally, private lenders require a blood relative as a co-applicant. However, certain exceptions might be possible on a case-by-case basis. Can I start the disbursement process while I’m still waiting for my visa? Yes, many lenders allow you to initiate the disbursement process, but the funds are usually released after your visa approval. Is the living expense amount released in one go or in instalments? Living expenses are often disbursed in instalments, depending on the lender’s policy and the student’s course structure. What happens if there’s a delay in my admission process? Lenders are generally flexible in such cases. Inform your lender promptly to discuss possible extensions for the loan sanction or disbursement deadlines.
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
Balancing Between Life & International Study
After an all-nighter filled with piles of homework, it’s tempting to crawl back into bed, especially when everything feels overwhelming. If you’re struggling to balance academic demands and personal life, you might be experiencing academic burnout. This happens when your studies and personal life feel impossible to manage, leading to anxiety and difficulty focusing. However, instead of giving in to burnout, try implementing just one of the following tips to help you regain control. Balancing between life and international study can be challenging, but with the right approach, you can find a way to thrive. International students are often on the go from day to day, often balancing a heavy workload with culture. Burnout was officially recognized in 2019 by the World Health Organisation (WHO) as an ‘occupational phenomenon’ and was added to their International Classification of Diseases (ICD-11). But did you know it wasn’t an official term until recently, despite being experienced by thousands of people worldwide? What is life like as an International Student in the US? Many international students come to the United States to pursue their education. While this can be a great experience, it can also be challenging. There are a few things that you can do to help make your transition to life in the US a little bit easier. Some of the most common symptoms of academic burnout include a general feeling of being unable to keep up. You think you have too much to do, too many assignments, exams, and lectures to catch up on. This takes your energy which also makes you feel unmotivated and cynical. This overwhelming feeling, in turn, causes fatigue, sleepless nights, and anxiety. Due to this, some people might feel headaches, backaches, and musculoskeletal pain. There could be many reasons for feeling so and a few of them are enlisted below: One of the biggest challenges for international students is making friends. It can be difficult to meet people and feel like you belong when you’re new to a place. One way to combat this is by getting involved on campus. There are likely many different clubs and organizations that you can join. This is a great way to meet people who share your interests and make friends. Another big challenge for international students is homesickness. It’s normal to miss your family and friends from home, but it’s important not to let homesickness take over your life. Again, one way to combat this is by getting involved on campus and making friends. Additionally, try to stay busy with your studies and other activities so that you don’t have as much time to think about home. Also, to help you stay connected with your loved ones back home Lorien Finance offers a free international SIM Card with full-speed internet data during your first month in the USA. Finally, it’s important to manage your finances carefully as an international student in the US. Education can be expensive, so it’s important to budget carefully and make sure you have enough money for tuition, books, and living expenses. You may also want to consider working part-time while you’re studying to help offset some of the costs of attending school in the US. In addition, firms like Lorien Finance offers low-interest education loans to make your lives easier in the USA. Tips on how to keep your academic burnout at bay 1. Keep a regular sleep schedule: Getting enough sleep is crucial for maintaining your mental health and avoiding burnout. Make sure to go to bed and wake up at around the same time every day, even on weekends. 2. Eat healthily and exercise: Eating a nutritious diet and staying active will help you feel your best and have the energy you need to succeed in your studies. 3. Take breaks: Drink water or water your favorite plants on your desk. Use the washroom, clock in at least a few hundred steps, go for a walk, and take a friend along, but don’t discuss studies/work. The point is to vacate that chair of yours. And when all else fails, turn to the power of a strategically timed snack. 4. Connect with others: Maintaining social connections is an important part of keeping stress levels down. Whether you meet up with friends, join a student organization, or attend cultural events, interacting with others can help you combat feelings of isolation and loneliness. 5. Tie up loose ends: Knowing that you have some unfinished business to take care of the next morning adds momentum to the new day. Psychologists are in on this slacking routine too. According to the Zeigarnik effect we tend to remember incomplete tasks or events more easily than our accomplished ones. Use this theory as an excuse to stop doing whatever you’re trying to accomplish and instead, make a list of half-done things to resume the next morning. 5. Seek professional help if needed: If you think you’re experiencing burnout and everything seems a bit overwhelming, the best thing you can do is talk to someone. This might be your tutor or a lecturer whom you feel comfortable around. If your problem extends beyond your workload, sharing the same with your teacher can be the first step to solving your burnout. If you need support with your mental health, they can direct you to someone who can help you. Pros and Cons of living in the States There are many pros and cons to living in the United States as an international student. On the pro side, there are many opportunities to learn and grow academically and professionally. There are also many chances to meet new people and make friends from all over the world with myriad cultural backgrounds. Besides, there is a higher standard of living, cleaner surrounding and air, organized traffic and government rules, and good quality food and life overall. On the contrary, there are also some challenges to living in the U.S. as an international student. For example, it can be expensive to live in the U.S., and it can be challenging to find housing and transportation.
Maximizing ROI: The importance of Investing in Career Services for International Students
The current uncertainties and socioeconomic circumstances have led to a demand for skilled workers worldwide. International students are currently the target of widening skills gaps in Australia and Canada through various government immigration activities. In September-November 2022, according to the office of national statistics, there were 1.19 million vacancies in the UK. Businesses globally are reporting needing help recruiting employees with the relevant skills. Universities UK International released a report in June 2020 showing that “international students bring over £6.9 billion in income to UK universities in tuition fees and contribute over £26 billion to the wider UK economy”. The revenue international students provide to economies is significant, consequently, their needs have to be addressed. Careers services within universities have continued to be a vital part of the university experience for international students. Graduate employability opportunities have become a significant factor in helping international students determine where to study. According to the Harvard Business Review, the number one reason first-year students give for pursuing higher education is obtaining a good job after graduation. However, the current financial strains in the higher education industry have meant that career services need help getting the resources and personnel to deal with the complex issues international students raise. To resolve such issues, we at Lorien Finance have expanded our services to provide collateral-free and low-interest education loans to Indian students for both PG and UG courses across the globe. For universities to be competitive, they need to invest in their career services, which will have an aggregated effect on international student recruitment. Investment in career services has the potential for significant returns for universities and the economy. Students need access to good employment opportunities, which will, in turn, build sustainable international recruitment revenue. Well-resourced career services help international students to navigate market-specific criteria, be aware of critical initiatives, and develop the relevant skills and competencies required for various industries. The UK government has outlined the Graduate Route and skilled workers visa to attract international students to contribute to the UK economy. However, the Association of Graduate Careers Advisory Services (AGCAS) in the UK reported that there needs to be more awareness among students and employers about the Graduate route. Usually, there needs to be more integration between the recruitment process and the processes of the job market. For instance, most postgraduate international students arrive in September or October, which aligns with when the more prominent companies start advertising graduate roles. Consequently, international students face the culture shock of arriving in a new country while navigating graduate scheme applications. Most students are unaware of this time overlap, so they miss out on great opportunities as it’s not communicated well during the recruitment process. The role of careers services includes organizing networking events and employer fairs to help develop a network so that international students can enter industries with some key relationships. There are also convenient things that can be a barrier to entry for international students, such as understanding how to write a CV that meets market specifications, an effective cover letter, and navigating job interviews and psychometric examinations. At the University of Hull, the Careers Service and the Global Engagement team work closely to prepare students to understand the UK job market options before arrival. There is currently an initiative where they are interviewing and holding focus groups to understand the graduate employment needs of international students and provide services that will lead to more substantial employability outcomes and, in turn, a stronger brand for international recruitment. Lorien Finance has also tied up with high-end institutions abroad to provide high-paying fruitful job opportunities to Indian students willing to pursue studies abroad. We’re just not restricted to the educational loan but provide wholesome support to our fellow young aspirants at Lorien.