This document provides information about student finance options available to UK and EU students, including tuition fee loans to cover course costs, means-tested maintenance loans for living costs, and maintenance grants. It discusses repayment terms for loans, which are only required once income reaches over £21,000 per year and are based on 9% of income above that threshold. Universities also offer bursaries and scholarships that do not need to be paid back. The document aims to reassure students that financial concerns should not prevent applying to university, as various support options are available.
Abroad shiksha consultants presentation study abroad (2)rajeshbw
Why you Study abroad? Study Abroad benefits , Students planning to study abroad in international destinations such as UK, Canada or USA can check the information on study abroad programs, study abroad scholarships, and study abroad MBA, student visa etc. Also can interact with study abroad career counselors, for any query regarding VISA or application. Visit Us: http://abroadshiksha.com/
Canada has 10 provinces and 3 territories, with Ottawa as the capital and Toronto as the largest city. The document discusses Canada's education system in depth, including the different types of post-secondary institutions (universities, university colleges, community colleges, career colleges), various programs and degrees offered, requirements for international students, costs, accommodation options, work permits, and application processes and fees. International students are allowed to work part-time during studies and full-time during vacations.
Canada offers internationally recognized, high-quality education at over 90 publicly-funded universities with affordable tuition and living expenses. Studying in Canada provides opportunities to work part-time on-campus or full-time during breaks, and international students can apply for merit-based scholarships. The application process varies by institution but typically opens in October with admission decisions made on a rolling basis for programs running from September to April.
This document provides information to help students research their options for studying in the US. It outlines the 5 steps to US study: research options, finance studies, complete application, apply for student visa, and prepare for departure. It then gives details on why to study in the US, financing options like scholarships and loans, the application process including requirements, and free resources for researching schools. The overall document serves as a guide to the entire process of studying in the US from start to finish.
C.Ed. Overseas Education is a professionally run education consulting firm with over 5 years of experience in career counseling and providing strategic advice to Indian students considering to study abroad in Canada, USA, Ireland, UK, Germany, Singapore, Australia & New Zealand.
Operating from a prominent location in New Delhi (South Campus), C.Ed. provides complete end-to-end education consultancy services including counseling for choosing the right country of education, universities/colleges and courses; preparing the student for visa interviews; conducting extensive pre-departure briefings to cover details like accommodation, part time jobs and many other nitigrities.
C.Ed.'s personalized services help the students identify the educational institution that best fits their profile and areas of interest. We take care of the complete application process, freeing the students from all the hassles.
C.Ed. Overseas experienced counselors guide the students and their parents on the entire process of studying abroad right from selecting a course, institution to ensuring the students reaches their chosen destination safely.
C.Ed. Overseas Education Consultants is an education consultancy assisting students who wish to study abroad. We are the official representatives of several foreign universities in India and are registered with British Council Division (British High Commission) and most of our counsellors have been trained by them to promote education in their countries.
Wish to study in the UK? The UCLan Advantage gives you the opportunities that can give you the edge when you enter the world of work, through their teaching, their support and their links to some of the world's leading researchers and employers. Check out the presentation to know more about UCLan. You can also check - http://www.intelligentgulf.com/student-service/why-study-in-uk.html
Abroad shiksha consultants presentation study abroad (2)rajeshbw
Why you Study abroad? Study Abroad benefits , Students planning to study abroad in international destinations such as UK, Canada or USA can check the information on study abroad programs, study abroad scholarships, and study abroad MBA, student visa etc. Also can interact with study abroad career counselors, for any query regarding VISA or application. Visit Us: http://abroadshiksha.com/
Canada has 10 provinces and 3 territories, with Ottawa as the capital and Toronto as the largest city. The document discusses Canada's education system in depth, including the different types of post-secondary institutions (universities, university colleges, community colleges, career colleges), various programs and degrees offered, requirements for international students, costs, accommodation options, work permits, and application processes and fees. International students are allowed to work part-time during studies and full-time during vacations.
Canada offers internationally recognized, high-quality education at over 90 publicly-funded universities with affordable tuition and living expenses. Studying in Canada provides opportunities to work part-time on-campus or full-time during breaks, and international students can apply for merit-based scholarships. The application process varies by institution but typically opens in October with admission decisions made on a rolling basis for programs running from September to April.
This document provides information to help students research their options for studying in the US. It outlines the 5 steps to US study: research options, finance studies, complete application, apply for student visa, and prepare for departure. It then gives details on why to study in the US, financing options like scholarships and loans, the application process including requirements, and free resources for researching schools. The overall document serves as a guide to the entire process of studying in the US from start to finish.
C.Ed. Overseas Education is a professionally run education consulting firm with over 5 years of experience in career counseling and providing strategic advice to Indian students considering to study abroad in Canada, USA, Ireland, UK, Germany, Singapore, Australia & New Zealand.
Operating from a prominent location in New Delhi (South Campus), C.Ed. provides complete end-to-end education consultancy services including counseling for choosing the right country of education, universities/colleges and courses; preparing the student for visa interviews; conducting extensive pre-departure briefings to cover details like accommodation, part time jobs and many other nitigrities.
C.Ed.'s personalized services help the students identify the educational institution that best fits their profile and areas of interest. We take care of the complete application process, freeing the students from all the hassles.
C.Ed. Overseas experienced counselors guide the students and their parents on the entire process of studying abroad right from selecting a course, institution to ensuring the students reaches their chosen destination safely.
C.Ed. Overseas Education Consultants is an education consultancy assisting students who wish to study abroad. We are the official representatives of several foreign universities in India and are registered with British Council Division (British High Commission) and most of our counsellors have been trained by them to promote education in their countries.
Wish to study in the UK? The UCLan Advantage gives you the opportunities that can give you the edge when you enter the world of work, through their teaching, their support and their links to some of the world's leading researchers and employers. Check out the presentation to know more about UCLan. You can also check - http://www.intelligentgulf.com/student-service/why-study-in-uk.html
The Canadian education system is one of the most decentralized systems in terms of organization and management.
Canada is characterized by the absence of a National Education Ministry or a federal education system, instead educational
powers are delegated to each of the jurisdictions composing the Confederation.
This document provides guidance on applying to universities in the U.S. It outlines the 5 steps to U.S. study, including researching options, financing studies, completing applications, applying for a student visa, and preparing for departure. It also details the components of a typical "Application Package," such as academic records, letters of recommendation, exam scores, a personal statement, and financial documents. Finally, it provides tips on creating an effective resume or CV, including relevant experience, education background, skills, and contact information, but excluding personal details like birthdate or religion.
Benefits of studying in the UK
Whether you want to study at undergraduate or postgraduate level, UK courses can offer a fantastic range of benefits:
valuable skills
diverse culture
innovative industries
academic excellence
The document discusses the benefits of studying in the USA, including its welcoming environment for international students. It notes the increasing numbers of international students in the US and top universities that attract them. Many world leaders studied in the US. Returning Moldovan students support Moldova. US universities are innovative and offer diverse programs and experiences beyond classes. Government exchange programs help students study in the US.
Canada has a decentralized education system with each province and territory responsible for its own education policies. Education is compulsory from ages 6-16/18 and is divided into primary, secondary, and post-secondary levels. At the post-secondary level, students can attend colleges, institutes, or universities to obtain certificates, diplomas, or degrees. Overall, Canada ranks highly in education levels with over half of adults having a post-secondary qualification.
Canada has two official languages, English and French. It consists of ten provinces and three territories, with Ottawa as the capital city and Toronto as the largest city. The education system in Canada includes over 1700 public universities, colleges and institutions that provide free education. Program lengths range from diplomas of 2-3 years to bachelor's degrees of 3-4 years and graduate studies of 1-2 years. International students are allowed to work part-time while studying and can apply for post-study work permits to gain Canadian work experience.
The document outlines the 5 main steps to apply for a student visa to study in Australia.
Step 1 is to apply for admission to an Australian university and identify your academic goals.
Step 2 requires showing proof of sufficient financial support to cover tuition, living costs, and travel expenses.
Step 3 is to pay tuition fees and get a Confirmation of Enrolment after being accepted.
Step 4 involves undergoing a mandatory medical examination by an approved doctor.
Step 5 is the online visa application, which requires uploading documents like passport, IELTS scores, COE, transcripts, photos, and financial documents.
Australia is a popular study destination, with over 22,000 courses offered across 11,000 institutions. It ranks third globally for international students and has 8 universities ranked among the top in the world. Students can pursue higher education degrees, vocational training, English language courses, or postgraduate research with a single student visa. Requirements for the visa include acceptance to a course of study, meeting English proficiency standards, sufficient funds, and health insurance. West Highlander is an experienced education agent that can assist with the application process.
This document outlines key aspects of personal finance and money management. It discusses budgeting techniques, including setting financial goals and categorizing expenses. It also covers taxes individuals pay, such as income taxes, and outlines the process for filing a tax return. Additionally, it addresses financial planning - developing a plan, implementing it, and periodically reviewing it to achieve financial goals in the future. The overall document provides an introduction to personal financial statements, budgeting, taxes, and financial planning.
Study in the UK: advantages & DisadvantagesBích Phương
This document discusses the advantages and disadvantages of studying in the UK. It outlines that the UK has over 140 universities and is the 2nd most popular destination for international students. The advantages include a professional study environment, improving English skills, job opportunities, and opportunities for travel and broadening horizons. The disadvantages include difficulties in daily life such as homesickness, high costs of living and tuition, and dealing with culture shock. The document provides advice for international students such as choosing the right university, applying through UCAS, managing finances, choosing accommodations, and overcoming difficulties.
Canada is officially bilingual and offers world-class education at all levels from K-12 to post-secondary. It has strong technology clusters and ranks highly for quality of life and business environment. Education is consistently high quality and affordable, with many pathways between education levels and opportunities for work experience. Canada welcomes international students and offers support to help them succeed academically and integrate socially.
Personal Financial Management through 5nance.comManvi Sharma
The document discusses personal financial management. It notes that personal finance addresses how individuals obtain, budget, save, and spend monetary resources over time based on their goals, risk appetite, income, expenses, and accumulated wealth. It also discusses assessing an individual's risk profile based on their life stage and matching them with appropriate financial products and investment classes, from low to high risk, to achieve different return expectations. The conclusion emphasizes the importance of financial education, knowing one's risk tolerance, regularly reviewing one's portfolio, diversifying investments, and analyzing risks of different financial products.
This webinar will discuss one of the most important savings goals of American families: saving money for a comfortable retirement. Specific topics to be covered include research findings about the retirement preparedness of American families, conflicting opinions about “the number” (i.e., amount of money needed to comfortably retire), factors that influence the number, and retirement savings calculation tools such as the Ballpark Estimate and Monte Carlo simulations. Case studies and chat questions will be included to apply the webinar content to real world situations.
In gearing up for America and Military Saves Weeks, Dr. Barbara O'Neill will present this 90-minute webinar on the tools and resources available for calculating the amount individuals and couples need to save for retirement, on behalf of the Military Families Learning Network.
This document discusses reasons for studying abroad and popular study destinations. It provides an overview of opportunities in countries like the USA, Australia, Canada, UK, Germany, and others. Specific destinations are highlighted for their academic excellence, job opportunities, affordable education costs, and liveability. Popular programs include masters degrees, which generally require English proficiency and undergraduate grades over 50% for admission. The document also describes services from Global Opportunities Pvt Ltd, an education consultant that assists with profiles, applications, test preparation, university selection, interviews, visas, and more to help students pursue education abroad.
This webinar is presented by Catherine Manson of Flemingdon Community Legal Services. It gives community service providers an overview of benefits and provisions of the Canada Pension Plan (CPP) and the Old Age Security Pension (OAS).
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
This document provides information about student funding for the 2015 academic year and beyond in the UK. It outlines that university tuition fees are up to £9,000 per year, and all students can take out a tuition fee loan. For living costs, students can receive a non-repayable maintenance grant up to £3,387 if their household income is below £25,000, as well as a maintenance loan. Additional funding may be available for disabled students or those studying certain healthcare subjects through the NHS. Student loan repayments are based on income after leaving education, and any outstanding debt is written off after 30 years.
The document summarizes student financial support available in the UK for the 2014/2015 academic year. It outlines the maximum tuition fee of £9000 and availability of a non-means tested tuition fee loan. It also discusses maintenance support including a mostly non-means tested maintenance loan amount varying by location, a means tested maintenance grant, and additional support for disabled students, childcare costs, and adult dependents. Loan repayment terms are explained such as repaying 9% of income over £21,000 and any remaining balance being cleared after 30 years.
The Canadian education system is one of the most decentralized systems in terms of organization and management.
Canada is characterized by the absence of a National Education Ministry or a federal education system, instead educational
powers are delegated to each of the jurisdictions composing the Confederation.
This document provides guidance on applying to universities in the U.S. It outlines the 5 steps to U.S. study, including researching options, financing studies, completing applications, applying for a student visa, and preparing for departure. It also details the components of a typical "Application Package," such as academic records, letters of recommendation, exam scores, a personal statement, and financial documents. Finally, it provides tips on creating an effective resume or CV, including relevant experience, education background, skills, and contact information, but excluding personal details like birthdate or religion.
Benefits of studying in the UK
Whether you want to study at undergraduate or postgraduate level, UK courses can offer a fantastic range of benefits:
valuable skills
diverse culture
innovative industries
academic excellence
The document discusses the benefits of studying in the USA, including its welcoming environment for international students. It notes the increasing numbers of international students in the US and top universities that attract them. Many world leaders studied in the US. Returning Moldovan students support Moldova. US universities are innovative and offer diverse programs and experiences beyond classes. Government exchange programs help students study in the US.
Canada has a decentralized education system with each province and territory responsible for its own education policies. Education is compulsory from ages 6-16/18 and is divided into primary, secondary, and post-secondary levels. At the post-secondary level, students can attend colleges, institutes, or universities to obtain certificates, diplomas, or degrees. Overall, Canada ranks highly in education levels with over half of adults having a post-secondary qualification.
Canada has two official languages, English and French. It consists of ten provinces and three territories, with Ottawa as the capital city and Toronto as the largest city. The education system in Canada includes over 1700 public universities, colleges and institutions that provide free education. Program lengths range from diplomas of 2-3 years to bachelor's degrees of 3-4 years and graduate studies of 1-2 years. International students are allowed to work part-time while studying and can apply for post-study work permits to gain Canadian work experience.
The document outlines the 5 main steps to apply for a student visa to study in Australia.
Step 1 is to apply for admission to an Australian university and identify your academic goals.
Step 2 requires showing proof of sufficient financial support to cover tuition, living costs, and travel expenses.
Step 3 is to pay tuition fees and get a Confirmation of Enrolment after being accepted.
Step 4 involves undergoing a mandatory medical examination by an approved doctor.
Step 5 is the online visa application, which requires uploading documents like passport, IELTS scores, COE, transcripts, photos, and financial documents.
Australia is a popular study destination, with over 22,000 courses offered across 11,000 institutions. It ranks third globally for international students and has 8 universities ranked among the top in the world. Students can pursue higher education degrees, vocational training, English language courses, or postgraduate research with a single student visa. Requirements for the visa include acceptance to a course of study, meeting English proficiency standards, sufficient funds, and health insurance. West Highlander is an experienced education agent that can assist with the application process.
This document outlines key aspects of personal finance and money management. It discusses budgeting techniques, including setting financial goals and categorizing expenses. It also covers taxes individuals pay, such as income taxes, and outlines the process for filing a tax return. Additionally, it addresses financial planning - developing a plan, implementing it, and periodically reviewing it to achieve financial goals in the future. The overall document provides an introduction to personal financial statements, budgeting, taxes, and financial planning.
Study in the UK: advantages & DisadvantagesBích Phương
This document discusses the advantages and disadvantages of studying in the UK. It outlines that the UK has over 140 universities and is the 2nd most popular destination for international students. The advantages include a professional study environment, improving English skills, job opportunities, and opportunities for travel and broadening horizons. The disadvantages include difficulties in daily life such as homesickness, high costs of living and tuition, and dealing with culture shock. The document provides advice for international students such as choosing the right university, applying through UCAS, managing finances, choosing accommodations, and overcoming difficulties.
Canada is officially bilingual and offers world-class education at all levels from K-12 to post-secondary. It has strong technology clusters and ranks highly for quality of life and business environment. Education is consistently high quality and affordable, with many pathways between education levels and opportunities for work experience. Canada welcomes international students and offers support to help them succeed academically and integrate socially.
Personal Financial Management through 5nance.comManvi Sharma
The document discusses personal financial management. It notes that personal finance addresses how individuals obtain, budget, save, and spend monetary resources over time based on their goals, risk appetite, income, expenses, and accumulated wealth. It also discusses assessing an individual's risk profile based on their life stage and matching them with appropriate financial products and investment classes, from low to high risk, to achieve different return expectations. The conclusion emphasizes the importance of financial education, knowing one's risk tolerance, regularly reviewing one's portfolio, diversifying investments, and analyzing risks of different financial products.
This webinar will discuss one of the most important savings goals of American families: saving money for a comfortable retirement. Specific topics to be covered include research findings about the retirement preparedness of American families, conflicting opinions about “the number” (i.e., amount of money needed to comfortably retire), factors that influence the number, and retirement savings calculation tools such as the Ballpark Estimate and Monte Carlo simulations. Case studies and chat questions will be included to apply the webinar content to real world situations.
In gearing up for America and Military Saves Weeks, Dr. Barbara O'Neill will present this 90-minute webinar on the tools and resources available for calculating the amount individuals and couples need to save for retirement, on behalf of the Military Families Learning Network.
This document discusses reasons for studying abroad and popular study destinations. It provides an overview of opportunities in countries like the USA, Australia, Canada, UK, Germany, and others. Specific destinations are highlighted for their academic excellence, job opportunities, affordable education costs, and liveability. Popular programs include masters degrees, which generally require English proficiency and undergraduate grades over 50% for admission. The document also describes services from Global Opportunities Pvt Ltd, an education consultant that assists with profiles, applications, test preparation, university selection, interviews, visas, and more to help students pursue education abroad.
This webinar is presented by Catherine Manson of Flemingdon Community Legal Services. It gives community service providers an overview of benefits and provisions of the Canada Pension Plan (CPP) and the Old Age Security Pension (OAS).
a Presentation by Association of Bank Remittance Officers, Inc. (ABROI) at the BSP Regional Financial Literacy Campaign for OFWs in Cebu City, Philippines on February 28, 2006
This document provides information about student funding for the 2015 academic year and beyond in the UK. It outlines that university tuition fees are up to £9,000 per year, and all students can take out a tuition fee loan. For living costs, students can receive a non-repayable maintenance grant up to £3,387 if their household income is below £25,000, as well as a maintenance loan. Additional funding may be available for disabled students or those studying certain healthcare subjects through the NHS. Student loan repayments are based on income after leaving education, and any outstanding debt is written off after 30 years.
The document summarizes student financial support available in the UK for the 2014/2015 academic year. It outlines the maximum tuition fee of £9000 and availability of a non-means tested tuition fee loan. It also discusses maintenance support including a mostly non-means tested maintenance loan amount varying by location, a means tested maintenance grant, and additional support for disabled students, childcare costs, and adult dependents. Loan repayment terms are explained such as repaying 9% of income over £21,000 and any remaining balance being cleared after 30 years.
This document provides information about student finance options for UK/EU students, including:
- Tuition fees are a maximum of £9,000 per year and do not need to be paid up front. Additional costs include books, equipment, and fieldwork. Living costs include rent, food, travel, and leisure.
- Estimated additional and living costs are £7,890-£7,270 annually depending on accommodation type.
- Sources of income include tuition fee loans, means-tested maintenance loans and grants from the government, as well as university bursaries, scholarships, part-time employment and parental contributions.
- Student loans are repaid through payroll deduction once earnings exceed £21
Part-time students can take out loans to cover tuition fees of up to £6,750 per year. To qualify for funding, courses must be at least equivalent to 25% of a full-time course and last at least one year. Students must also have settled status in the UK and have lived here for three years. Loan repayments are based on income after graduation, with monthly payments starting only if earnings exceed £21,000 per year.
The document summarizes information presented at a student finance meeting for parents. It discusses the current stage of the university application process (UCAS), outlines the new funding arrangements including tuition fee loans up to £9,000 and means-tested maintenance loans, and how student loans are repaid based on income after graduation.
University of Surrey, Applying and Finance presentation 2013 uniofsurrey
The UCAS system is the central online application service for UK degree programs, allowing applicants to apply to up to five universities with one application. The document provides an overview of the UCAS application timeline and process, including when applications open, deadlines for applying and accepting offers. It also summarizes the options for student financial support in the UK, including tuition fee loans, maintenance loans and grants. Specific examples are given of loan repayment amounts based on salary levels after graduation.
Student finance presentation Open Day September 2011RNCM
This document provides information about student finance options for UK/EU undergraduate students at the Royal Northern College of Music. It outlines the typical costs of tuition (£9,000) and living expenses (£6,500), and describes the various sources of financial support available, including grants, loans, bursaries and scholarships. Key details are given around eligibility, repayment terms and how to calculate your entitlements. Contact information is provided for any additional questions.
The document provides information about student finance options for the 2011/12 academic year in England, including details on tuition fees up to £3375, maintenance grants up to £2906 for households earning under £25,000, maintenance loans up to £4950, and repayment terms for loans where repayments begin once earnings exceed £15,000 per year. It also includes examples of student budgets and living costs, tips for budgeting and managing finances, as well as information on accommodation options like university halls, private rentals, and support resources.
The document provides information on various sources of funding for postgraduate study at the University of Brighton, including tuition fees, alumni discounts, government loans, professional development loans, scholarships, bursaries, sponsorships, and research funding. Tuition fees and mandatory course requirements are included in fees, while optional items are not. Government loans of up to £10,609 are available, as are professional career development loans of £300-£10,000. The university offers excellence and alumni scholarships of £3,000, as well as international and sports scholarships. Bursaries are available for social work and teaching qualifications. Other potential sources of funding include student support funds, disabled student allowances, employer sponsorship, charities and crow
Student Finance England administers financial support for higher education students in England. They provide tuition fee loans to cover university fees, maintenance loans for living costs, and means-tested grants. Additional support is available for disabled students and those with dependents. Loans are repaid once income is over £21,000 per year at a rate of 9% of income above that threshold. Outstanding debt is written off after 30 years.
Presentation informing learners about the 24+ advanced learning loansThe Pathway Group
if you are aged 24 or over and want to study A levels, an Access to Higher Education Diploma, a level 3 or 4 Certificate or Diploma, or an Advanced or Higher Apprenticeship, you will need to pay your college or training organisation for the cost of your course.
A new loan scheme has been introduced by the government to help learners. The 24+ Advanced Learning
Loan is easy to apply for, doesn’t take your household income into account and doesn’t involve a credit check.
Here are some of the key facts about the loan:
• Repayments are linked to what you earn and not how much you borrowed.
• You only have to start making repayments when you’ve finished your course and you’re earning
over £21,000 a year (which is £404 a week or £1,750 a month). Until then you don’t need to pay
back anything, but you can make voluntary repayments at any time.
• You pay 9% of the money you earn over £21,000, before tax. For example, if you earn £22,000
a year, your monthly repayment will be £7 a month; and if you earn £35,000 a year, it will be £105 per month.
• Interest is charged on a sliding scale between the Retail Price Index (RPI) and RPI +3%, depending on how much you earn.
Advanced learning loans - 24Plus Loans -A brief for LearnersThe Pathway Group
advanced learning loans - 24 plus loans.
A briefing guide for learners. 24+ loans for studying
Career development loan and career development programmes, advanced learning loans providers, 24 plus loans providers, 24 plus loans funding, 24+ loans funding
Advanced learning loans and the top 5 popular courses funded by pathway groupThe Pathway Group
Pathway College in Birmingham, with branches in Walsall, Staffordshire etc , works with funding bodies to offer a number of courses and qualifications at Level 3 and 4 which are eligible for 24+ Advanced Learning Loans.
Eligibility
Individuals will be eligible for a 24+ loan if they:
Are aged 24 and above at the start of their course (there is no upper age limit)
Are resident in the UK
Have not previously had a loan to do the same qualification type and level of qualification
Are undertaking an eligible course at an approved training organisation in England
Loans will not be means-tested or subject to credit checks and any individual who meets the criteria above will be able to apply for a loan irrespective of their current employment status.
Contact us on 0121 707 0550.
Here are some tips for settling in during your first few days:
- Introduce yourself to your flatmates and be friendly and welcoming to help everyone feel comfortable. Leaving your door open is a good way to meet people.
- Get involved in Welcome Week activities to meet new people from your course and other programmes. Attend the Fresher's Fayre to find out about clubs and societies.
- Explore the campus and get familiar with where your lectures will be and key facilities like the library, sports centre and shops. Make sure to download your timetable.
- Don't be afraid to ask questions if you need help finding your way around or have any other concerns. Staff are there to support
A Guide to Advanced Learning Loans , 24+ Loans funding for career progressionThe Pathway Group
A Guide to Advanced Learning Loans 24+ talks about all the stages of understanding and applying and repaying an Advanced Learning Loan. Advanced Learning Loans help people aged 24+ to complete the education and training that they need but may not be able to pay for straight off. With the help of Advanced Learning Loans people can up-skill and become more employable.
If you would like to find out more information please call: 0121 707 0550, Fax: 08444 127362 or e-mail: info@pathwaygroup.co.uk
This document summarizes university finance and funding options for students attending Brunel University in 2015. It outlines tuition fees of up to £9,000 per year and available student loans for tuition and living costs. The loans are repaid through the tax system once a student's income reaches £21,000. Additional grants are available for students from lower-income households. Brunel University provides over 300 scholarships, including academic excellence scholarships worth £6,000 per year. The document provides details on budgeting and applying for financial support.
Buxton & Leek College Open Evening WelcomeLen Tildsley
This document provides information about Len Tildsley College, including its campuses, study programs, facilities, student life, and financial support. It operates as a single college across multiple campuses in partnership with the University of Derby. Students can study a wide range of subjects and apprenticeships. The college offers excellent facilities, support for students, and financial assistance including bursaries, loans, and childcare funding. It aims to provide an enriching educational experience in a safe learning environment.
The document provides information on university finance and funding options for students in the UK, including tuition fees, student loans, maintenance loans and grants, bursaries, and scholarships. It details the amounts students are eligible for based on their household income, how loans are repaid after graduation, and estimated monthly living expenses while attending university.
Newcastle College offers a wide range of full-time higher education courses in subjects such as art, business, engineering, health care, music, sports, and tourism. The college provides great value for money with no upfront fees and industry-linked qualifications. Students can apply through UCAS and receive financial support including tuition fee loans, maintenance loans, and grants. Advisers are available to help students with finances, courses, and accommodations.
FAQs for Advanced Learning Loans - FE Loans, FAQs for Advanced Learning Loans, FE Loan, Loans for Further education, Loans for Training courses, Loans for studying, career development loans, Advanced Learning Loans provider in Birmingham UK,
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
Main Java[All of the Base Concepts}.docxadhitya5119
This is part 1 of my Java Learning Journey. This Contains Custom methods, classes, constructors, packages, multithreading , try- catch block, finally block and more.
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...Diana Rendina
Librarians are leading the way in creating future-ready citizens – now we need to update our spaces to match. In this session, attendees will get inspiration for transforming their library spaces. You’ll learn how to survey students and patrons, create a focus group, and use design thinking to brainstorm ideas for your space. We’ll discuss budget friendly ways to change your space as well as how to find funding. No matter where you’re at, you’ll find ideas for reimagining your space in this session.
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How to Setup Warehouse & Location in Odoo 17 InventoryCeline George
In this slide, we'll explore how to set up warehouses and locations in Odoo 17 Inventory. This will help us manage our stock effectively, track inventory levels, and streamline warehouse operations.
How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
This document provides an overview of wound healing, its functions, stages, mechanisms, factors affecting it, and complications.
A wound is a break in the integrity of the skin or tissues, which may be associated with disruption of the structure and function.
Healing is the body’s response to injury in an attempt to restore normal structure and functions.
Healing can occur in two ways: Regeneration and Repair
There are 4 phases of wound healing: hemostasis, inflammation, proliferation, and remodeling. This document also describes the mechanism of wound healing. Factors that affect healing include infection, uncontrolled diabetes, poor nutrition, age, anemia, the presence of foreign bodies, etc.
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2. 2
Introduction
• Tuition fee loan
• Maintenance loan
• Maintenance grant
• Repayments
• Bursaries and scholarships
• Dos and don’ts
3. 3
Support Available
• You’ll need money to support
yourself at university, and there
are many options to consider
Help from the Government:
Tuition Fee Loan
Maintenance Loan
Maintenance Grant
Help from universities:
Bursaries
Scholarships
4. 4
Tuition fees (Home/EU Students)
• You can apply for a Tuition Fee Loan
through Student Finance England
• This covers the whole cost of your course,
and is not dependent on your household
income
• Paid directly to the university
• Reassessed every year by Student Finance
5. 5
Maintenance loan
• Means tested
• Everyone is entitled to 65% of
the Maintenance Loan
• If you want to apply for the full
loan then Student Finance
England will assess your
household income
• Paid into your bank account at
the start of each term
6. 6
Where you live and study Maximum Maintenance Loan
You live at home £4,418
You live away from home and study outside
London
£5,555
You live away from home and study in
London
£7,751
You spend a year of a UK course studying
overseas
£6,600
7. 7
Maintenance grant
• Government grant
• Means tested
• None Repayable
• Households with incomes up to £42,620
per year qualify for the grant
8. 8
Household
Income £
Maintenance
Grant
Maintenance
Loan
Total
£25,000 and under £3,387 £3,862 £7,249
£30,000 £2,630 £4,240 £6,870
£35,000 £1,494 £4,524 £6,018
£40,000 £547 £4,998 £5,545
£42,611 £52 £5,529 £5,581
£42,875 £0 £5,555 £5,555
£50,000 £0 £4,836 £4,836
£60,000 £0 £3,826 £3,826
£62,125 and over £0 £3,610 £3,610
9. 9
Loan repayments
• If you’ve taken out a Tuition Fee Loan and a
Maintenance Loan to help with your living
costs then you’ll need to pay this money back
to the Government
• How does this work?
10. 10
Case Study 1
•Andrew has just finished his Geography degree at
Liverpool and now fancies a year out to travel across
Southeast Asia
•He has a part-time job in a bar and plans to leave at the
end of the summer after his graduation
•However, he’s worried about his student loan repayments
while he’s away
•Should Andrew…..
11. 11
Case Study 1
a) Lock away his iPad and Playstation 4 while on his
travels in case the bailiffs come knocking
b) Take out a credit card so he pays at least £100 a
month to Student Finance England
c) Relax. He’s not earning enough at the moment to start
paying back his loan repayments
d) Write to Student Finance England to let them
know he is out of the country
12. 12
Loan repayments
• You only start to pay back your loans when
you are earning over £21,000 per year
• This starts in the April after you graduate
• Unless you are earning this amount you will
not pay anything back
13. Case Study 2
•Jo has just landed a graduate job at Boots in the Marketing
department
•She’s started in the May after her graduation year
•Earning an initial salary of £25,000, she’s concerned that
she’s going to have to start paying a huge amount back on
her student loans
•How much will Jo have to pay?
13
14. 14
Case Study 2
a) £30 per month. About the same price as
a mobile phone contract
b) £5. Next to nothing – about the same, if
not less than, a cinema ticket
c) £60 per month. About the same as a gym
membership
d) £150 per month. The same as the credit
installments for a new car
15. 15
Loan repayments
• Repay 9% of income over £21,000
• Like a ‘graduate tax’ – deducted from
pay packet
• Loan is written off after 30 years
16. 16
Salary Amount of salary from which 9%
will be deducted
Monthly repayment
£25,000 £4,000 £30.00
£30,000 £9,000 £67.50
£35,000 £14,000 £105.00
£40,000 £19,000 £142.50
£45,000 £24,000 £180.00
£50,000 £29,000 £217.50
£55,000 £34,000 £255.00
£60,000 £39,000 £292.50
17. 17
Interest
• Interest is charged on student
loans from receipt of first
payment to paying off the full
amount
18. 18
Your annual income Interest rate on your loan
While you're studying and up to the point
when you are liable to repay
Rate of inflation plus 3 per cent
After you are liable to repay and have income
of £21,000 or less
Rate of inflation
After you are liable to repay and have income
of £21,000 - £41,000
Varies between the rate of inflation and the
rate of inflation plus 3 per cent, depending on
your income
After you are liable to repay and have income
of £41,000 or more
Rate of inflation plus 3 per cent
19. 19
Bursaries and scholarships
• Many universities and colleges offer
extra funding that you don’t have to
pay back
• The amounts vary by university and
subject
• Can view bursaries on the UCAS
website and apply as part of online
application to Student Finance
England
22. 22
Bursaries at Nottingham
• University Core Bursary - £750
to £3,000 available per year
• Nottingham Potential Bursary –
an extra £1,000 available
• Subject specific bursaries
• University of Nottingham Sports
Bursary Scheme
23. 23
Additional help
• Disabled students’ allowance
• Parents’ learning allowance
• Childcare grant
• Adult dependent’s grant
• NHS funding
24. 24
How to apply
• Apply online in early 2015 at
www.gov.uk/studentfinance
• Missing the spring deadline
may mean late payment
• You can apply before you’ve
chosen your University
25. 25
Higher education: an investment
• Degree holders earned an
average of £12,000 a year more
than non-graduates over the last
decade
• Graduate earnings increased
faster for each year of age and
they also increased for longer
27. 27
Conclusion
• Don’t let financial worries get in the
way of applying to university
• Lots of support available,
important to research thoroughly
• No pressure to pay up front and
you only pay when you’re earning
after graduation
• Great life experience – become
money savvy from an early age
28. 28
Further information
• www.gov.uk/studentfinance
• Official information about
student loans and grants and
how to apply online
• www.ucas.com
• Search bursaries and
scholarships for your university
• www.nottingham.ac.uk/fees
30. 30
Questions?
Insert name, Insert job title
Want to know what it’s like to be a student? Find out at
http://blogs.nottingham.ac.uk/studentlife
Not sure which university is for you? www.which.co.uk/university
UoNapplicants
The University of Nottingham
UoNapplicants
www.youtube.com/user/NottmUniversity
Editor's Notes
Introduction
Introduce yourself
Say you are from The University of Nottingham
Check everyone can hear you/ see the screen.
How long you will be talking for
When they can ask questions - let them know if they will be receiving a handout or if they might want to make notes.
SMILE
Go through what you are going to cover in presentation – what they should know by the end.
Even if you decide to live at home you’ll need to support yourself financially while you’re studying, and there’s loads of help out there to assist you in buying your books, paying your bills and enjoying socialising with your friends.
The Government offers Maintenance, or Living Cost Loans and Grants which you can apply for along with your Tuition Fee Loan online or alternatively you get can help directly from your university of choice by applying for a bursary or through the National Scholarship Programme.
The great news is that the Government is now happy to provide you with a loan to pay for your all of your tuition fees while you’re at university, with no down payment or complicated application process necessary. You just apply online through Student Finance England and the money will be paid directly to your university.
Students are entitled to 65% of the full loan amount without having household income taken into account so they can apply without being means tested. To receive more than 65% of the loan they must apply to be means tested. Once the amount of loan you will receive is determined, Student Finance England will pay the funds into your bank account at the start at each term.
N.B. assessment includes a student’s ‘unearned’ income only; not anything from part time work
If you apply for a Maintenance Loan then this can be means tested, so your household income can be looked at before the loans company decide on how much you’re entitled to. The amount of loan you are eligible to receive goes up depending on whether you live away from home and whether you’ll be studying in London. You can also get cash for when you’re studying abroad on your placement year.
Ok so now we’ve talked about money that you can borrow from the Government to pay for your university tuition fees and living costs. What about money that you don’t have to pay back?
Student Finance England offers a non-repayable Maintenance Grant to students which is means tested.
You may be wondering at this point it’s all fair and well that you’re being given all these loans by the Government but how will you be able to pay the money back while you’re a student at university? How much will you have to pay and have often? Can’t it wait until after you’ve finished your studies? Let’s have a look at a few true to life examples.
*Activity*
*Activity*
If Andrew doesn’t come back to England but decides to stay long term in Thailand or anywhere else after his travels, he must then advise the Student Loans Company to arrange repayment in an alternative way, usually by direct debit.
Andrew doesn’t need to worry while he’s surfing it up in Thailand. You only have to start repaying your student loans when you’re earning over £21,000 and this only happens in the April following graduation – so even if Andrew had been working a few part-time hours in a bar he wouldn’t be eligible.
You do accrue a small amount of interest on your loans in the period between finishing university and starting your regular repayments which I’ll talk about in a moment, but the general rule is if you never went beyond earning £21,000 in the whole of your working life then you wouldn’t have to pay a penny back to the Government!
*Activity*
£30 a month, that’s all! Think of all the outgoings and direct debits you currently have – mobile phone contracts, lovefilm subscriptions, car insurance payments – are these not similar if not more than £30? It really is a manageable amount to pay for someone on a great starting wage of £25,000, and it’s certainly not going to break Jo’s budget every month.
So imagine, like Jo, you are now in full-time work after university and are eligible to start making repayments for your student loans. How does this work? You actually only have to repay 9% of your income over £21,000, and depending on how much you’re earning this will increase.
It’s like a ‘graduate tax’ – you’re being charged for the benefit of going to university, getting a great degree and landing a superb graduate job. The money is normally deducted form your pay packet automatically through the tax system in one simple monthly repayment, so the Tuition Fee Loan and Maintenance Loan are added together for you. There’s no charge for early repayment and if you want to pay a bit more than the minimum every month, you can do. For the majority of graduates it may not be in their best interest to pay any extra back. Have a look at: www.moneysavingexpert.com/students and use the calculator. This is a really good tool to show your audience how repaying student finance works.
Crucially, if you still haven’t paid off all of your student loans after 30 years then the remainder will be written off. What other loan company could ever compete with that? It’s a fair, affordable and uncomplicated system.
*Look through salary scales and repayments*
It’s always important to consider interest rates when looking at loans, so let’s see how this applies to student loans. In a nutshell, your loans will accrue interest from the moment the first tuition fee instalment is paid to the university and the first Maintenance Loan payment is sent to your bank account, and while you’re studying at university this will be at the rate of inflation plus 3 per cent.
Once you’ve finished your studies and it’s past the April after graduation then one of a number of things may happen. If you’re earning below £21,000 then the interest rate on your loans will revert to the rate of inflation only, so this is ideal if you’re planning to take a gap year or waiting for a graduate job opening to come up and don’t want to worry about any extra interest on your loans.
If you are earning between £21,000 and £41,000 then you will be charged the rate of inflation and up to 3 per cent on top, depending on how high your income is. And anyone earning over £41,000 after this time, which would be pretty impressive for a first job, would have to pay the rate of inflation plus 3 per cent.
Again, the more that you earn after university, and the more you have benefitted from your degree in your working life, the more you will have to pay – which is a fair way of doing things.
Bursaries and scholarships are additional sources of funding offered by a University or other organisation, depending on certain eligibility criteria.
It’s really worth putting in the effort to research them as much as possible before applying to university as they could genuinely save you thousands of pounds if you are eligible.
*Click on ‘Fees & finances’
*Bursaries for the Geography course at The University of Nottingham shown*
As an example, at The University of Nottingham we offer a good range of bursaries for our undergraduate students. Our University Core Bursary is a cash payment of anywhere between £750 and £3000 on a sliding scale for students with a residual household income of up to £42,600, provided they have enrolled on a full-time course and are liable for the full £9,000 fee. This is paid directly into the student’s bank account.
The Nottingham Potential Bursary provides an extra £1000 for students with Access or vocational qualifications, students with financially dependent children or adults, younger students who have been in public care and certain students who have participated in the University’s widening participation outreach activities.
There are subject-specific bursaries too, so the John Lane Scholarship offers Pharmacy students £5000 to be paid over the course of their degree provided they are a full-time home students and have a residual household income of below £36,100 as assessed by Student Finance England. The Chaplin Law Scholarships, which run until 2016, offer one student every year a cash donation of £10,000 who is enrolled on a Law with Modern Languages course and again has a residual household income of below £35,000.
Finally if you’re a keen sportsman or woman then you could rewarded for your ability at the University of Nottingham. The Sports Bursary Scheme awards around 20 talented athletes every year around £2,000 including a personal mentor, free access to the University’s sports facilities, money off your equipment and free physiotherapy. To be eligible you must be of regional, national or international standard in your chosen sport, fulfil the usual entry requirements for your course and be prepared to get involved the Athletic Union and represent the University wherever possible.
More help is available for those in special circumstances and advice can be found on the direct.gov.uk website. Also bear in mind that there are new NHS bursaries for courses such as Nursing, Midwifery, Physiotherapy and Dietetics for students starting after September 2012.
Please note that the NHS have not yet announced funding for Sept 2013 entrants and it is likely that it will change from what 2012 entrants are going to receive.
Getting in an early application reduces stress and any complications with getting your money on time. Don’t worry if your academic situation changes later in the year too – if you change course or go into clearing then Student Finance England can easily update your records without this affecting your loan payments.
Students have to update their SFE account with any change of course/Uni.
Information you will need for your application includes:
NI number (yours and your parents’ or partners’)
Passport details
Income details for student and household
Student’s bank account details
Medical evidence of a disability, if applicable
Exact dates are yet to be released, so advise audience to keep checking student finance website for further details.
You might be thinking at this point there’s an awful lot to take in and start researching about student finance, but in the end is it all going to be worth it once you go to university and finish your degree? The answer is absolutely yes. Higher Education is an investment in your future, and over the past decade degree holders have earned an average of £12,000 a year more than non-graduates – with earnings increasing faster for each year of age and for longer.
The work you can do now to secure funding for your time at university, be it through Government loans and grants, bursaries or scholarships, will more than pay off in that not only will you be financially stable while you’re a student but you will also be able to start your exciting career without the stress of an unreasonable and unmanageable repayment system.
Explain the graph. Study conducted over the last decade by the Labour Force Survey.
In conclusion, I hope today’s session has been useful in showing you that there’s loads of financial support out there for students like you thinking of applying to university for 2013 and it really isn’t something that should put you off investing in your future.
Now’s the time to be researching what financial help is available to you, no matter what course, university and individual circumstances apply, so you can get the most benefit while you’re studying. After all, once you’re enrolled on your course the last thing you’ll be wanting to worry about is finance – you’ll be busy enough with your coursework, sports clubs and hectic social life!
It’s all great life experience being money aware from an early age, as sorting your finances when you’re at university and spending responsibly will benefit you in later life. From my own experience I learnt to budget my money much better after starting university and think more carefully about where my money was coming in and going out, which is pretty crucial now considering all the outgoings I have!
*Explain what further information is available online*
Offer the chance for people to ask questions. Draw student’s attention to the UoN applicants facebook and twitter pages and encourage them to join. Also, insert any social media channels that you run in your School and draw attention to them.