#ms in germany
Text
Education Loan for Abroad Studies: Explore Student Loans
An investment in knowledge pays the best interest! And if the knowledge is attained at a top-tier and premium university then it is sure to elevate your career to the next level. However, the unfortunate reality is that the cost of studying in a reputed college is usually quite steep. And studying in a good college overseas is an even more expensive proposition.
Education loans for abroad studies help students, irrespective of their financial status, realize their dream of studying in one of the best universities in the world.
Numerous banks and other lenders now provide foreign education loans for students who want to study abroad. These lenders have different education loan schemes on offer, but choosing the one that is right for you is not an easy task. And that is where GyanDhan helps.
We match you with that lender, which is the best education loan for abroad studies that suits your profile and needs perfectly, and then help secure the loan approval in the most seamless and hassle-free manner.
What is the Maximum Loan Limit For Education Loans to Study Abroad?
In secured education loans, students can apply for student loans of up to INR 1.5 cr. In foreign education loans without collateral, students can apply for study loans of up to INR 45 Lakhs. This loan amount limit can increase or decrease depending on the applicant’s and co-applicant’s profile, country, course, etc.
How to Apply for Abroad Education Loans?
The steps to apply for a loan for financing the studies abroad are:
Step-1: Check your loan eligibility online.
Step-2: Get expert loan counseling to compare the options available.
Step-3: Select a lender and apply online.
Step-4: Get the customized education loan document checklist.
Step-5: Submit the required education loan documents either online or get documents picked up from your home by our representative.
Step-6: Get the property & other legal evaluations done (in secured loans).
Step-7: Get the loan sanction letter after the education loan approval from the lender.
How to Choose the Best Overseas Education Loan?
Taking an education loan to supplant the cost of education overseas is the right choice. Depending on the amount and your profile, financial institutions can finance even 100% of the cost of the course.
However, to get the best education loan option, one needs to carefully analyze the following key aspects of the various options available. When you apply to GyanDhan, we do this analysis for you. In case you do the loan comparison yourself, consider these factors:
Interest Rate: Even a 1% increase in the education loan interest rate has a substantial financial effect. Example - Loan Amount: Rs. 30,00,000, Loan Repayment in: 5 years after you graduate, Course Duration: 2 years; While at 10%, you’ll pay Rs. 9.7 lakhs in interest, at 11%, you’ll pay Rs. 10.9 lakhs - that’s a difference of 1.2 lakhs for just 1%!. Also, historical changes done by any lender in its interest rates should also be considered.
Repayment Holiday/Moratorium Period: It is a specified period during the loan tenure in which the borrower is exempt from making repayments. Loans with a moratorium period have a big plus, as you don’t have to worry about making repayments while you study overseas.
Tax Rebate: Education loans for foreign studies taken from Indian banks are special in that the entire amount paid as interest is exempt from income tax. This has a huge impact: Example - Loan Amount: Rs. 30,00,000, Marginal tax bracket: 30%, Repayment in: 5 years after graduation, Course Duration: 2 Years, ROI: 10%... If your loan has tax rebate, you can save Rs. 2.9 lakhs!
Margin Money: The amount that you need to pay from your own pocket while the rest is paid by the bank. If a bank offers a 0% margin, it means they’ll fund all your education expenses in the offered loan amount.
Hidden Fees: There are numerous hidden fees that your lender might be charging you and when accumulated these will cost you a considerable amount, such as:
Forex Margin: Some lenders charge a forex conversion charge when the overseas education loan is sanctioned in INR and disbursed in some other currency. This can be as high as 1.5%, which translates to Rs. 45,000 for a loan amount of Rs. 30 lakhs.
Processing Fees: This varies from zero to as high as 2%. For a loan of Rs. 30,00,000, the processing fees can be as high as Rs. 60,000
Cost of Credit Life Insurance: Some lenders make it mandatory for the applicant to go in for credit life insurance with their education loan scheme so that their loan amount is protected against any unfortunate eventualities. If the premium amount is on the higher side then it eventually increases the cost of the education loan as well.
Mandatory Cross-Sell: Some lenders try to cross-sell other policies before sanctioning the education loan, even though it is not required on the applicant’s end.
Interest Rate in Different Currencies: Often students face a dilemma of choosing over an education loan in USD with a lower interest rate or an equivalent amount in INR with a higher interest rate. By the previous trend of the rising prices of US$ to INR conversion rates, it is a smart choice to go for the loan amount in INR even though it may come with a higher interest rate.
As you can see, by selecting the right overseas education loan, the reduction in cost can be as high as 5-6%.
Which is the Cheapest Education Loan in India to Study Abroad?
Public sector banks offer the State Bank or BoB lowest interest rates on loans for foreign education compared to private banks & NBFCs. If your institution is listed in BOB’s premium list of colleges, Bank of Baroda offers the cheapest education loan for abroad studies. Otherwise, the State Bank of India offers the cheapest education loans. However, the extent of the cheap education loan in India depends on several factors including the applicant’s profile, co-applicant’s financial profile, target country, target course, etc.
Are you eligible for an abroad education loan? Check here.
3 notes
·
View notes
Text
Do you want to pursue your Masters in Germany from Top German University?If yes then YES Germany is the best German Education consultant in India who provides free guidance to those students who want to study in Germany. For admission to Top universities in Germany,
Consultants in Mumbai Andheri for study in Germany
0 notes
Text
5 must-know websites for International students who want to study in Germany
German universities are pretty cool: international students, breathtaking European cities, one of world's best research facilities and a super fun student life.
But as a student from outside Germany, it can be pretty hard to get started on "how do I even get started on applying to a college in Germany?". Well here are 5 awesome websites that are going to make your life easy:
Study in Germany - learn about student life, culture, activities, useful guides on housing, visa, jobs and more.
DAAD - Ministry of Education's official site for finding study programs, scholarships and all information about studying in Germany.
CareerSky guide - Easy guides for international students interested in studying in Germany.
Research in Germany - everything about PhD, PostDoc and pursuing research in Germany.
ChatGPT 🤖 - if you're not using it, you're falling behind! ChatGPT is amazing for finding information, getting ideas and improving your applications.
0 notes
Text
High-paying jobs in Germany often require advanced degrees (such as a master's or PhD) in fields like engineering or finance, coupled with strong technical skills and proficiency in German or English.
0 notes
Text
A Comprehensive Guide to Studying in Germany for Free
Introduction
Studying abroad can be a life-changing experience, offering students an opportunity to broaden their horizons and gain a global perspective. Germany, known for its prestigious education system, is a popular choice for international students seeking quality education without the burden of high tuition fees. In this comprehensive guide, we will delve into the various aspects of studying in Germany for free, providing valuable information and insights that will help you unlock the endless opportunities that await.
Why study in Germany?
Germany is renowned for its high academic standards, excellent research facilities, and strong emphasis on practical learning. The country's universities consistently rank among the top in global university rankings, offering a wide range of programs across various disciplines. By studying in Germany, you will have access to world-class education and the opportunity to learn from distinguished professors and experts in your field of study.
Benefits of studying in Germany for free
One of the most significant advantages of study abroad in Germany is the absence of tuition fees for international students at public universities. This means that you can obtain a quality education without incurring substantial financial debt. The German government recognizes the importance of education and ensures that students, regardless of their nationality, have equal access to academic opportunities. Additionally, studying in Germany can enhance your career prospects, as the country's strong economy provides ample job opportunities for graduates.
Important factors to consider
Before embarking on your journey to study in Germany, there are several important factors to consider. Firstly, it is essential to evaluate your academic and personal goals to ensure that Germany aligns with your aspirations. Researching the German education system, understanding the admission requirements, and familiarising yourself with the living expenses and culture of the country are all crucial steps in making an informed decision. By considering these factors, you can pave the way for a successful and fulfilling academic journey in Germany.
Understanding the German Education System
Overview of the education system in Germany
The German education system is highly regarded worldwide for its strong focus on academic excellence and practical training. It is a decentralised system, meaning that each federal state in Germany is responsible for the administration of its education system. The system is divided into various stages, including primary education, secondary education, and higher education.
Different types of higher education institutions
Germany offers a diverse range of higher education institutions, including universities, technical universities, and universities of applied sciences. Each type of institution has its own strengths and focuses on specific fields of study. Universities are known for their research-oriented programs, while technical universities excel in engineering and technology-related disciplines. Universities of applied sciences, on the other hand, emphasise practical skills and offer programs for Bachelor's degree in Germany or MS in Germany designed to meet the demands of the job market.
Accreditation and quality assurance
The German higher education system places a strong emphasis on quality assurance to ensure that universities meet rigorous standards. The accreditation process, carried out by independent agencies, evaluates universities based on factors such as teaching quality, research output, and infrastructure. This ensures that students receive a high-quality education and that their degrees are recognized both nationally and internationally.
Eligibility and Entry Requirements
Criteria for admission
To be eligible for admission to a German university, you must meet certain criteria. These criteria vary depending on the university and the program whether you wish to pursue a Bachelor's or Master’s degree in Germany.. Generally, universities require that applicants hold a recognized secondary school diploma or an equivalent qualification. In addition to academic qualifications, universities may also consider other factors such as extracurricular activities or work experience.
Language proficiency requirements
Since German is the primary language of instruction in most undergraduate programs, it is essential to have a good command of the language. Universities often require applicants to provide proof of their language proficiency through internationally recognized language tests such as the TestDaF or the DSH. However, there are also programs taught in English, especially at the postgraduate level, for which English proficiency tests such as the TOEFL or IELTS may be required.
Recognized qualifications
German universities recognize a wide range of international qualifications. However, it is important to verify whether your qualification is recognized by the university you wish to apply to. The International Baccalaureate (IB), A-Levels, and the American High School Diploma are generally accepted. It is advisable to consult with the university's admissions office or refer to their website for specific information regarding recognized qualifications.
Submitting applications
Once you have identified the university and program you wish to apply for, you will need to submit your application. Most universities in Germany have an online application portal where you can upload your documents and complete the application process. It is crucial to carefully follow the instructions provided by the university and ensure that you submit all the required documents within the specified deadline.
The Cost of Studying in Germany
While tuition fees are generally not applicable for international students at public universities in Germany, there are still costs to consider when studying in the country. Understanding these costs will help you plan your budget accordingly and ensure a comfortable living experience during your time as a student.
Tuition fees and exemptions for international students
Public universities in Germany do not charge tuition fees for international students, regardless of their nationality. This is a significant advantage for students seeking a high-quality education without the financial burden of tuition fees. However, it is important to note that some federal states in Germany have introduced tuition fees for non-EU/EEA students pursuing master's degree programs.
Living expenses in different cities
While tuition fees may be waived, it is essential to consider the cost of living in Germany. The cost of living varies depending on the city you choose to study in. Major cities such as Berlin, Munich, and Hamburg generally have higher living expenses compared to smaller towns or cities. Rent, transportation, food, and personal expenses are the main components of living costs. On average, students should budget approximately €800 to €1,200 per month to cover these expenses.
Scholarships in Germany and financial aid options
Despite the relatively low cost of studying in Germany, scholarships and financial aid options can further alleviate financial constraints. There are various scholarships available specifically for international students, funded by both the German government and private organisations. These scholarships are awarded based on academic merit, financial need, or specific criteria set by the funding organisation. Additionally, some universities offer their own scholarships, so it is worth researching the scholarship opportunities that are relevant to your field of study.
Choosing the Right University and Program
Researching universities and their rankings
When choosing a university in Germany, it is crucial to conduct thorough research and consider various factors such as the university's reputation, program offerings, research opportunities, and facilities. University rankings can serve as a helpful tool in evaluating the quality and reputation of different institutions. Prominent international rankings such as the QS World University Rankings and the Times Higher Education World University Rankings provide insights into the performance of German universities.
Identifying suitable programs
Once you have narrowed down your university options, it is important to carefully examine the program offerings. Consider factors such as the curriculum, specialisation options, research opportunities, and industry connections. Assess your own academic and career goals and determine how well a program aligns with your aspirations. It is advisable to review the program's syllabus, read student testimonials, and reach out to current students or alumni for their perspectives.
Considering the location and campus facilities
In addition to the university and program, the location and campus facilities should also be taken into account. Consider whether you prefer a vibrant city or a quieter town, and evaluate factors such as accessibility, cultural opportunities, and student life. Additionally, examine the facilities provided by the university, such as libraries, laboratories, sports facilities, and student support services. A conducive learning environment and adequate resources can greatly enhance your academic experience.
Preparing the Application:
Gathering Required Documents: To start your journey to Germany, collect essential documents such as transcripts, certificates, and identification papers.
Writing a Compelling Motivation Letter: Craft a persuasive motivation letter that highlights your passion for your chosen course and why you want to study in Germany.
Preparing for Interviews: Some programs may require interviews; prepare by researching common questions and practising your responses.
Application Deadlines and Process:
Important Dates to Remember: Stay on top of application deadlines and ensure your application is submitted on time.
Submitting Applications Online or by Mail: Learn how to submit your applications either online or by traditional mail, adhering to the university's guidelines.
Tracking the Application Status: Understand how to monitor the progress of your application and stay informed.
Visa and Residence Permit:
Understanding the Visa Requirements: Get acquainted with the visa requirements for international students, which may vary based on your home country.
Applying for a Student Visa: Follow the steps for applying for a student visa to study in Germany.
Extending the Residence Permit: Learn how to extend your residence permit if your course duration exceeds your initial visa.
Health Insurance and Healthcare:
Mandatory Health Insurance: Understand the mandatory health insurance for students and the types of coverage available.
Accessing Healthcare Facilities: Discover how to access healthcare facilities in Germany and your rights as a student.
Housing Options for Students:
On-Campus Accommodation: Explore on-campus housing options and the application process.
Off-Campus Housing: Learn about off-campus housing alternatives and tips for searching for apartments or shared rentals.
Arriving in Germany:
Organising Travel Arrangements: Prepare for your journey to Germany, including flights, transportation, and accommodation upon arrival.
Settling In and Orientation Programs: Find out about orientation programs to help you adapt to your new surroundings and academic life.
Registering at Local Authorities: Understand the importance of registering with local authorities upon arrival.
Academic Life in Germany:
University Structure and Courses: Gain insights into the structure of German universities and the diverse range of courses available.
Crediting and Grading Systems: Understand the grading system and how your academic progress is evaluated.
Student Support Services: Explore the various support services available to students.
Learning the German Language:
Importance of German Language Skills: Discover why learning the German language can enhance your experience in Germany.
Language Courses and Resources: Find resources and courses to help you develop your language skills.
Language Proficiency Exams: Learn about language proficiency exams and their importance.
Cultural Integration and Social Life:
Adapting to German Culture: Tips for adapting to German culture and customs.
Student Organizations and Clubs: Get involved in student organisations and clubs to enrich your social life.
Exploring the Local Community: Explore the local community and make the most of your time in Germany.
Part-Time Jobs and Internships:
Regulations for International Students: Understand the regulations governing part-time work and internships for international students.
Finding Part-Time Jobs: Tips for finding part-time jobs or internships to support your studies.
Balancing Work and Studies: Learn how to balance your work commitments with your academic responsibilities.
Health and Well-Being Support:
Mental Health Resources: Access mental health resources and support services available to students.
Counselling Services: Learn about counselling services to help you navigate the challenges of student life.
Sports and Recreational Activities: Stay active and engaged through sports and recreational activities on campus.
Opportunities for Research and Innovation:
Research Opportunities: Explore research opportunities at German universities and potential collaborations.
Scientific Conferences: Participate in scientific conferences and showcase your work.
Post-Graduation Options:
Employment Prospects: Discover employment prospects for international students in Germany.
Extending the Residence Permit: Learn how to extend your residence permit for job hunting after graduation.
Further Study or Returning Home: Consider your options for further study or returning to your home country after graduation.
Frequently Asked Questions: FAQs
Can I study in Germany for free, even as an international student?
Yes, Germany offers tuition-free education at public universities for both domestic and international students. However, there might be nominal administrative fees, and some states may charge small semester contributions. Private universities in Germany do charge tuition fees, but they are generally lower compared to many other countries.
Do I need to be fluent in German to study in Germany?
It depends on the program and university. Many undergraduate programs are taught in German, so you would need to prove your German proficiency. However, there are an increasing number of English-taught programs, especially at the master's and doctoral levels. If you're applying to an English-taught program, you'll typically need to demonstrate English proficiency through tests like IELTS or TOEFL.
Are there any scholarships available for international students?
Yes, there are various scholarships available for international students in Germany. Some are offered by the German government, while others are provided by universities, foundations, and organisations. The most well-known scholarship for international students is the DAAD (German Academic Exchange Service) scholarship.
What are the living expenses like in Germany?
Living expenses in Germany can vary depending on your location and lifestyle. On average, you should budget for rent, food, transportation, and other expenses. It's estimated that you may need around 800 to 1,000 euros per month to cover your living expenses.
How long does it take to process a student visa?
The processing time for a German student visa can vary depending on your home country and the time of year. It's advisable to apply at least three months before your intended departure date to allow for ample processing time. Some visas may be processed faster, but it's always best to apply early.
Can international students work part-time while studying in Germany?
Yes, international students in Germany are allowed to work part-time during their studies. You can typically work up to 120 full days or 240 half days per year without needing a work permit. However, it's essential to check the specific regulations for your visa and university.
Will I be able to stay in Germany after graduation for employment?
Yes, Germany offers a "job-seeking visa" or a "residence permit for job search" to international graduates. This visa allows you to stay in Germany for up to 18 months after graduation to seek employment. If you find a job related to your field of study during this time, you can then apply for a work visa or residence permit.
Are there any opportunities for research and innovation in Germany?
Germany is known for its strong emphasis on research and innovation. German universities and research institutions are world-renowned, and there are various opportunities for international students to engage in research projects and collaborations. Additionally, Germany has a thriving tech and innovation ecosystem, making it a great place for those interested in these fields.
Conclusion:
Studying in Germany offers an enriching educational experience and opens doors to various opportunities. With this comprehensive guide, you're well-prepared to embark on your educational journey in Germany, making the most of your time as an international student. Good luck!
#study in germany#germany study visa#masters in germany#bachelor in germany#german language course#german language training#german language#ms in germany
0 notes
Text
Boost your future prospects with a degree from Germany's top universities! Trust Yes Germany, the country's premier education consultancy for Indian students.
#study in germany#german education#germany study visa#Bachelors degree in Germany#ms in germany#german studyblr
1 note
·
View note
Text
ms in germany for indian students
Get more information of ms in germany for indian students
0 notes
Text
Want to get more information about ms in germany for indian students for the course Industrial Engineering in Germany .
#masters in germany#university in germany#ms in germany#studyingermany#german university#mastersingermany#studying
0 notes
Text
David Computer, PROFI 203 (1983)
506 notes
·
View notes
Text
Queen at a photo session before the press conference and party to announce their European Tour in Munich, Germany, in August 1984.
65 notes
·
View notes
Text
i think this fits here. i made it in 2017 :o
#shitty ms paint art#shittymspaintart#ms paint art#hetalia#aph hetalia#hws hetalia#hws#aph#aph italy#aph germany#gerita#aph gerita#hetalia fanart
66 notes
·
View notes
Text
The Final Four
The Matches:
The German Mud Wizard vs. Ged of Earthsea
Merlin vs. Ms. Frizzle
The Final Four:
The German Mud Wizard: Initially submitted only 2 times, the German mud wizard/monk has become a surprise favorite to win the competition, defeating Critical Role's German dirt wizard Caleb Widogast by over 1,000 votes.
Ged: The only POC to make it to the final eight*, Ged has shown himself to be a strong competitor, with a consistent fanbase of voters whose enthusiastic support and propaganda have allowed him to topple Gandalf the Grey.
Merlin: Although there were 7 Merlins entered into the competition, Sword in the Stone Merlin is the last one standing. With his quirky outfits and modern humor, he defeated fan-favorites Big Hat Logan and M.Rasmodius, as well as the literary behemoth that is the Discworld fandom.
Ms. Frizzle: Although some voters initially argued that she should be in a witch bracket instead, Ms. Frizzle has proved herself a wizard with her academia-based magic, flashy outfits, and pursuit of knowledge, and remains the last woman in the competition*.
*Caveat: The German mud wizard's gender and race are unknown
Updated brackets below the break:
#wizardbracket#germany#the german mud wizard#ged#sparrowhawk#a wizard of earthsea#merlin#sword in the stone#ms frizzle#the magic school bus
68 notes
·
View notes
Text
Unleash your potential by Studying in Germany! 🌍🎓
Immerse yourself in a world-class education system. From renowned universities to a diverse student community, Germany offers the perfect blend of academic excellence and personal growth. Embrace the opportunity to study in Germany. Get Consultancy from our Best Study Abroad consultants in Dubai for pursuing a Master's in Germany✨
0 notes
Text
The pain is real 🥹 Indian students applying for higher education in Germany have verify their documents with APS.
The longest wait time we know is 1 year 2 months.
The shortest: 21 days ⚡️
How long did it take for yours?
1 note
·
View note
Text
HOW MUCH DOES IT COST TO STUDY IN GERMANY ?
cost of living in Germany and Study Abroad in Germany is also relatively low compared to other popular study abroad destinations
Germany has now become a popular destination for international students for good reasons. Not only is the country home to some of the world’s top universities, but the cost of living in Germany and Study Abroad in Germany is also relatively low compared to other popular study abroad destinations. This makes it an attractive option for Indian students looking to pursue higher education abroad.
There are some key points Indian students should consider before finalising with their decision to study in Germany.
1. COST OF LIVING IN GERMANY FOR INDIAN STUDENTS
When it comes to the cost of living in Germany, it can vary depending on the location and lifestyle of the student. However, on average, students can expect to pay around €800 to €1,200 per month for living expenses. This includes food, rent, transportation, and other essentials. Compared to other European countries, the cost of living in Germany is relatively affordable. Additionally, many universities offer affordable student housing, which can help keep costs down even further.
2. TUITION FEES
The cost of studying in Germany is also relatively low, with many universities offering free tuition for both domestic and international students. However, students will still need to pay for other expenses such as books and materials, which can add up over time. In total, students can expect to pay around €1,000 to €2,000 per semester. Additionally, it is important to note that while tuition is free, international students in Germany may have to pay a semester fee of around €250 to €300 per semester. This fee is used to cover administrative costs, such as student services and exams. Thus, we can conclude that the cost to study in Germany is lower than other popular destinations.
3. STUDY IN GERMANY CONSULTANT
To make the process of studying in Germany as smooth as possible, many Indian students choose to go with German Education consultants. These consultants can help students navigate the application process, find the right program, and even assist with finding housing and other practical matters. They can also provide advice on how to budget and manage the cost of living in Germany for Indian students. This can include information on how to find the best deals on rent, food, and other essentials, as well as tips on how to save money on transportation and other expenses.
4. QUALITY OF EDUCATION
In terms of quality of education, Germany is home to some of the world’s top universities and offers a wide range of programs in various fields in German Language as well as in English. The country also boasts a strong economy and job market, making it an attractive destination for students looking to start their careers after graduation. Furthermore, with a low cost of studying in Germany, the education here can provide students with global exposure, which can be beneficial for their future career prospects.
5. EXPOSURE TO A MULTICULTURAL COMMUNITY
It’s also worth mentioning that Germany is home to a diverse and multicultural community, which can be a great experience for Indian students. This can help them to adapt to a new culture and gain a new perspective on the world. Additionally, German universities offer a wide range of extracurricular activities, such as sports, music and drama, and volunteer work, which can help students to make new friends and gain new experiences.
In conclusion, Germany is a great option for Indian students looking to study abroad. The cost of studying in Germany and living there is relatively low, and with the help of study in Germany
#study in germany consultant in bangalore#german consultant in bangalore#karnataka#education#career#ms in germany#cost of study in germany#study abroad in germany
0 notes
Text
Dreaming of pursuing your Bachelor in Germany or Master's degree in Germany? 🎓 Look no further! Discover the exciting world of higher education and opportunity in one of Europe's academic powerhouses.
Public universities in Germany are renowned for their top-class education, cutting-edge research, and experience education that sets global standards and opens doors to limitless possibilities.
YES Germany, one of the best studying in Germany consultants in Chennai can provide you the personalized guidance and free counseling sessions to understand your career aspirations in-depth. We also give a 100% guarantee of admission to your dream university, and a German study visa. 📞 Call us at [+91- 8070606070] or visit your nearby YES Germany Branch.
Discover Your Path to Success in Germany. Enroll Now! 📝✈️
#study in germany#germany study visa#masters in germany#bachelor in germany#study abroad#ms in germany
0 notes
Last Seen Blogs
