Scholarship sucess

Where Can I Study Abroad For Free? (SEE YOUR ANSWERS)

Michael Nzeribe1 Comment

Studying abroad is one of the most exciting things any student could wish for. Not only will you have a wonderful study experience, but you will also be able to learn about the diversity of cultures in addition to your culture.

Unfortunately, the cost of studying abroad as an international student at most prestigious universities is always expensive and can put you off. But the good news is that there are places where you can still study for free.

Many countries around the world allow students to study abroad for free or for a very affordable amount; all you have to do is know where to look.

So if you are wondering if it is possible for you to study abroad without paying too much, and if ‘YES’ were, then this article will give you the answer.

This article will provide information on countries where you can study abroad for free as an international student.

How can I study abroad for free?

There are different opportunity options available so that you can earn the degree of your choice as an international student abroad without breaking the bank. Some of the options include:

  1. Having a scholarship: Both forms are covered: one for the dispensation of fines and the other for living expenses. 
  2. Scholarships offered by individual institutions may be offered to anyone who already has more than 50 percent of the profile of the other student candidates in the league. 
  3. You can also go for educational exchange programs which are very helpful. This is due to the numerous MoUs signed by the Indian government with various foreign countries.
  4. Get an assistant for doctoral and master’s fellows, including doctoral assistant, professor’s assistant, thesis assistant, and doctoral research assistant. 
  5. Indian students can use a scholarship, a monetary award not based on merit but rather on finances. 
  6. Part-time work can help students achieve 20 hours of work a week, giving them a job for at least $10-12 an hour.
  7. Paid: Internships can help gain structured work experience for prospective employees over time and help raise a candidate’s profile and have a successful scholarship opportunity. 
  8. Achieving an ACT, SAT, GRE, or GMAT score are several solid options that help access scholarships of up to 100 percent from various IVY league universities worldwide. Choosing alternatives such as Germany, Poland, Slovenia, and Norway is a reasonable option for a partial or full fee waiver.

Countries where you can study abroad for free

Below you’ll find a selection of countries that offer free or low-cost tuition, with details on eligibility and what current (low) university fees you can expect.

#1 Study in Germany for free

Interest in studying abroad in Germany seems to continue to grow. This is largely due to the fact that there are no undergraduate tuition fees at public universities in Germany. This applies to both German and international students, regardless of their nationality.

At German public universities, only a small nominal university fee, around $177.18-250 (~US$160-265) is charged to cover administration costs.

However, these low study costs combined with Germany’s strong economy and excellent higher education system, make the prospect of studying in Germany for free extremely attractive to both students and parents around the world. .

More than 40 German universities are among the world leaders in the QS World University Rankings – again, beaten only by the US and UK, with the highest place held by the Technical University of Munich.

If you are successful in finding a university to study in Germany for free, you will of course still need to budget for living costs. If you need a German student visa, you will need to show that you have around $10,276.44 (~US$9,230) per year for living expenses.

Two of the top study destinations in Germany, Munich, and Berlin, also ranked in the top 20 most affordable cities to study in QS Best Student Cities.

#2 Study in France for free (or at a low cost)

France may not be as well known as Germany for affordable higher education. But international students may be surprised to hear that they can also study in France for free (or, at a very low cost), regardless of their nationality.

Although technically, university fees exist at public universities in France, they are only a fraction of those charged in most countries, amounting to just $217.34 (~US$195) per year at the undergraduate level to cover course administration.

Additional fees can drive this price up, particularly for more specialized programs like medicine and engineering, but not dramatically.

If you are looking to study in one of the main great schools however expect fees to vary widely. As is the case in Germany, most of the programs that offer the chance to study in France for free are taught in the mother tongue.

Alternatively, you can also attend a preparatory school to hone your French skills before starting your degree, but you will have to pay for this.

Keep in mind that living costs in France are also relatively affordable, coming in at around $11,339.52 (~US$10,180) per year, though you should expect to pay more if you choose to live in the capital city, Paris.

#3 Study for free in the Nordic countries

Known for their high quality of life, stunning nature, and liberal politics, the northern European nations (known as the Nordic countries) also boast some of the strongest higher education systems in the world.

The Nordic nations including Denmark, Finland, Iceland, Norway, and Sweden offer opportunities to study for free or at low cost:

In Norway, university studies are available free of charge to all students, regardless of their level of studies or nationality. Most undergraduate programs are taught in Norwegian only, and international students must demonstrate proof of proficiency in Norwegian in order to study at this level.

In masters and doctorate. On a level, English language programs are much more common and free tuition still applies.

On the other hand, Denmark and  Sweden only extend their free higher education benefits to students from the EU/EEA and Switzerland, which means that students from outside these regions must pay tuition fees for bachelor’s and master’s programs.

Ph.D. in Philosophy. programs in both countries are fully funded, offering exceptional Ph.D. candidates the opportunity to earn their degree without paying fees, and earning a salary.

In Denmark, university fees range from DKK 45,000 to DKK 120,000 (~US$6,420-17,115) annually, while in Sweden they range from SEK 80,000 to SEK 140,000 (~US$8,730-15,270).

In  Iceland, there are no tuition fees charged at the country’s four public universities, with only a registration fee of around $472.48 a year (~US$425).

But what about the costs of living? Well, here’s the trick, the costs of living in Northern Europe are among the highest in all of Europe.

This is largely due to the region’s overall healthy economy and strong Nordic currencies, so paying more to live when the streets are clean and the people are happy might not be such a bad thing! Four Nordic capitals have been ranked among the world’s top student cities: Copenhagen, Helsinki, Oslo, and Stockholm.

Other places to study in Europe for free (or at low cost)

What about other places to study in Europe for free or at a low cost? There are a number of European countries that offer affordable or free universities, without sacrificing quality. See below for more examples.

Austria

Another country where students can study in Europe for free (or at a very low cost) is Austria.

EU/EEA students enjoy the same rights as Austrians when it comes to the cost of higher education, and can study for free at any degree level. After this time, students pay a fee of just $428.78 (~US$385) per semester.

International students from outside the EU/EEA should expect slightly higher fees of around $857.55 (~US$770) per semester. Living costs will cost all students approximately $12,048.24-12,000 (~US$10,820-12,730) a year.

Vienna, the capital of Austria, ranks 16th in the QS Best Student Cities 2019.

Belgium

There are two main language communities in Belgium, each with its own stance on university fees. However, EU students will pay a maximum of just $986.3 (~US$890) a year.

And while only EU students get the main benefits of being able to study in Europe for free, the fees are still very affordable for international students, ranging from $1,051.27 to as high as $4,931.51 (~US$940-4,430). ) by year.

You can live in Belgium on a budget of around $13,465.68 (~US$12,100) a year. Brussels, the capital, was ranked 45th in this year’s QS Best Student Cities.

Czech Republic

Czech-speaking students can study abroad for free in the Czech Republic at any public university. Students wishing to study in English can also do so at a fairly low price, around 108,334 CZK (~US$4,260) per year.

Living costs are more affordable than in many Western European countries, around CRK 106,900-229,070 (~US$4,200-9000) per year.

The Czech capital, Prague, ranks 30th in  QS’s Best Student Cities.

Greece

All EU/EEA students can study abroad for free in Greece at public universities and colleges, with the exception of some Master’s programs.

And if that doesn’t seem like enough, you can also get the course textbooks for free! International students from outside the EU are also eligible for low-cost higher education, at approximately $1,771.8 (~US$1,600) per year.

Greece offers one of the lowest costs of living in the European Union.

Italy

While it may be known that private universities in Italy charge quite high tuition fees, public universities in Italy are markedly cheaper, charging between $1,004.02 and $1,181.2 (~US$900-1,060) per year for undergraduate programs. undergraduate.

EU students are eligible for the same funding opportunities as Italian students, including loans, grants, scholarships, and fee waivers. Living costs in Italy are also not as high as one might expect, around $14,174.4-18,000 (~US$12,760-19,145) per year.

Milan is ranked 33rd in the most recent QS Best Student Cities, while the capital Rome is 65th.

Spain

With the same education rights as Spanish students, EU students are not required to pay high education fees.

Meanwhile, international students can study in Spain for between $803.22 and $1,653.68 (~US$720-1,500) per year at public institutions. Fees are charged per credit and may be higher at the graduate level.

To live in Spain, you should expect to spend between $12,756.96 and $15,591.84 (~US$11,500-14,050) a year on living costs.

Madrid, Barcelona, and Valencia are featured in the QS Best Student Cities 2017, with Barcelona the best ranked 23rd.

Other places to study abroad for free (or at low cost)

Argentina

While Argentine students enjoy access to free universities, international students are expected to pay a small nominal fee to enroll in the country’s public universities.

Private institutions in Argentina, on the other hand, can charge more than US$5,000 a year. In the QS Best Student Cities 2017, the Argentine capital Buenos Aires has 42nd.

India

In India, international students generally pay tuition fees no higher than US$7,300 per year, although private and postgraduate university fees tend to be more expensive.

Living costs in India are for most students. According to Number, consumer prices are 187% cheaper than in the UK, while rental prices are up to 373% cheaper.

In general, you should be able to live comfortably on as little as US$5,000 per year.

Taiwan

Tuition fees in Taiwan offer great value, and the best universities in the country offer affordable programs. For example, National Taiwan University (NTU), the country’s joint 68th leading university in the QS World University Rankings, last year charged undergraduate students just TW$100,920-124,200 (~US$3,175- 3,900) per year. In QS Best Student Cities, Taipei was ranked 16th in the world and 16th for affordability.

Top 15 German Scholarships for International Students 2023/2024

David1 Comment

A growing number of international students are opting to study in Germany rather than their home nations. With its vast selection of programs, low tuition costs, and cutting-edge research facilities, Germany is an ideal destination for international students.

Germany has numerous scholarship programs for international students. Learn all about the scholarships you can obtain at top German universities, what they entail, and how to apply in this comprehensive guide. Read along for more succinct details on these scholarships;

1) German Academic Exchange Service (DAAD) Scholarships:

Scholarships for international students are fully financed by the German Academic Exchange Service (DAAD). This scholarship will allow you to attend one of Germany’s top universities for your master’s or doctoral studies at no cost to you. Scholarships from the German Academic Exchange Service (DAAD) give up to 1,200 euros per month for doctoral students and up to 850 euros per month for recent grads. Scholarships from the German Academic Exchange Service (DAAD) can be used for any level of education from undergraduate to doctoral, as well as for research, study abroad, and faculty exchanges. Depending on your intended area of study, the grants and scholarships you qualify for may be made up entirely of grants or a mixture of grants and scholarships. 

2) KAAD Germany Research Fellowship Program:

KAAD awards scholarships to Catholic and Christian graduate students and faculty in poor nations (or generally belong to a Christian denomination). Watch for this scholarship opportunity if you are Catholic, have work experience, and are interested in pursuing a master’s or doctoral degree in Germany (or a research stay there). Desire to perform research in Germany is another prerequisite. The KAAD scholarship will help you pay for a wide variety of things, from visa applications to plane tickets to German language courses to tuition at a German university. You can apply to any program you like, but the KAAD scholarship is more likely to go to those that help you develop as a person. 

3) Konrad-Adenauer-Stiftung Scholarship 

Formed by former German Chancellor Konrad Adenauer, the Konrad-Adenauer-Stiftung works to strengthen democracy, open lines of communication, and mutually beneficial international collaboration between Germany and other countries. It accomplishes this by facilitating the acquisition of a German higher education by students from all around the world. In addition, the foundation offers grants to graduate and doctorate students in Germany so that they can conduct research and get their degrees at German institutions. 

Prospective students must not only be enrolled in a degree program at a German university or college at the time of application, but they must also be citizens of a country other than Germany and must not have attended a German educational institution in the past. Students from outside the EU who are nationals of an EU member state are eligible to apply for this scholarship program if they are not already planning to attend a school in the EU. This German scholarship will provide for your living expenses, as well as cover the cost of your education. Applying to this organization is done solely online, therefore students must have all required materials on hand before commencing the application process. 

Read also; Fully Funded Scholarships in the USA for International Students 2023

4) Bayer Foundation Scholarship 

Students who are qualified to receive financing from the Bayer Foundation and would like to complete their fellowships in Germany are welcome to do so. Students from any countries who want to do research and study on a wide variety of topics deemed to be of critical importance are eligible for this prize. 

This fellowship is awarded solely on the basis of academic excellence and promise, as well as research into pressing problems and innovative solutions in the student’s chosen field of study. The application requirements and amount of money offered are detailed at the scholarship’s link. 

5) University of Stuttgart Scholarship

The University of Stuttgart offers a variety of master’s degree programs for foreign students from developing countries who are interested in studying in Germany. Master’s degrees in “Integrated Urbanism and Sustainable Design” and “Infrastructure Planning” are currently offered. To be eligible for this completely supported stipend, you must have relevant academic and professional experience, as well as the motivation to effectively apply your newfound knowledge and skills. Therefore, if you are accepted into one of these programs, you will get a 750 Euro monthly stipend to help with your living costs. You will get a research stipend, housing and insurance reimbursement, and a travel allowance (both ways) for a period of up to two years. 

6) Goethe University Graduation Scholarship 

Goethe University, located in Frankfurt, was founded in 1914 and has since developed to become one of Europe’s leading academic institutions. It is a state-supported institution of higher education that awards bachelor’s, master’s, and doctoral degrees in many disciplines, including business, law, and the social sciences, among many others. In addition, there are more than 80 other majors available to students, including computer science, economics, and business administration. In 2019, Goethe University was named as one of the world’s top 100 universities by QS World University Rankings. 

There are seven departments at the university, as well as a number of libraries, three famous research institutes, two museums, and a botanical park, among many other ancillary amenities. More than 37,000 students go there annually, and about 100 faculty members call it home. All scholarship applications must be submitted online. A curriculum vitae, letters of recommendation, and transcripts can all be uploaded to the portal. If you want to offer yourself the best chance of being picked, you should keep a note of the application deadlines. 

7) Heinrich Boll Foundation Scholarship

This list’s initial donation went to a nonprofit group. The Heinrich Boll Foundation awards yearly fellowships to international Ph.D. students studying in German universities and colleges of applied science. To be awarded a scholarship from the foundation, a student must excel academically, be politically and socially engaged, and show a deep commitment to the four pillars of the organization: ecological sustainability, democratic participation, individual liberty and social equity. During the summer and winter semesters, the Heinrich Boll Foundation fully funds the education of about a thousand students from all over the world. It’s possible that you’ll end up being one of the fortunate recipients. 

8) Rosa Luxemburg Stiftung Scholarships for International Students

The Rosa-Luxemburg-Stiftung offers funding for higher study through its Scholarship Department. To be eligible for one of these scholarships, you must be a top student in your chosen field and have a strong academic record up to the time of application. 

Due to the widespread availability of free education at U.S. institutions, the scholarship does not cover tuition. Nonetheless, the major goal is to help with the students’ living expenses and any other fees they may need to feel at home in Germany. 

Read also; How can I get an MBA in the UK in 2023 | Complete Guide

9) Katholische Universitat Eichstätt-Ingolstadt Scholarship

Is pursuing a master’s or doctorate in Germany something you’re seriously considering? Put your full concentration on this. The Catholic University of Eichstatt-Ingolstadt, often known as a KU school, annually gives out scholarships and grants to international students who meet the conditions in order to foster globalization at the institution of higher learning. You may choose any course of study you wish, but you must first be accepted to and begin your studies at our institution in order to get this stipend. You may rest easy knowing that your day-to-day expenses, along with your tuition, will be covered by the scholarship program, which will provide you with the equivalent of €324 per month to put toward accommodation. 

The University of Applied Sciences in Hamburg awards scholarships to exceptional international students enrolling in Bachelor’s degree programs. There are no tuition fees for either Hamburg residents or international students attending university in Hamburg right now. In a word, this is fantastic news. You’ll receive a scholarship worth up to 400 Euros each month for up to a full academic year. Summer admission applications close in March, while fall admission applications close in September. 

10) TUM – Scholarships for International Students. 

Any international student pursuing a Bachelor’s or Master’s degree at the Technical University of Munich is welcome to apply for a merit-based scholarship. Students who have shown exceptional academic success but who are also struggling financially to pay for college are given these scholarships. 

To begin your application for these German scholarships, please answer to the online form found on the university’s website and gather the required materials. Both German and English translations are recommended for these papers. Included in the required paperwork are a letter of intent, a copy of your most recent academic transcript from the school, two letters of recommendation, and proof of your parents’ financial stability. 

11) Bavarian Government Scholarships at Hochschule

University of Hochschule Hof receives funds from the state government of Bavaria and the German Academic Exchange Service (DAAD) to give semester and annual scholarships to excellent international students studying at the university during the summer or winter terms. Students awarded scholarships must demonstrate financial necessity. Scholarship awards range from €100 to €659 per month to cover living and tuition costs for the recipient’s academic year, depending on their demonstrated financial need. 

12) RWTH International Academy – HiPS Grant

The RWTH Aachen University International Academy offers scholarships to students from Europe and throughout the world who are pursuing a master’s degree in the Engineering Department. This grant is open to graduate students in Germany who have excelled in their chosen engineering program. 

Get your certificate proving that you are currently a top student in your class ready if you intend to apply for this scholarship. You can also submit your previous academic record (translated into the German school system) if you don’t have this, however it needs to have a GPA of at least 1.7. In addition, you will need to provide a letter of intent. Describe in this letter what inspired you to seek for this honor. It should provide a direct and unambiguous response to the question at hand and be presented in an original way. When you submit your application and any other documentation using the university’s online system, a committee will review it and make a decision. You will be informed of the status of your application, which may be accepted or refused. 

Top Read; 10 Public Health Scholarships in China for Students from Developing Countries

13. Jacobs University Diversity Scholarship

A large number of international students from all over the world attend Jacobs University each year to enhance their education, participate in an open forum for the exchange of ideas, and expand their horizons through experiences both within and beyond the classroom. As a result, the tuition of undergraduate and master’s degree students from all over the world is fully funded each year at Jacobs University. The scholarship will cover the student’s expenses for three years of undergraduate study and two years of graduate study. It does not pay for living costs (which average around 6,000 Euro per academic year) or for the cost of a regular education (650 Euro per school year). 

14. Corona Special Grant at Ruhr-University Bochum

Located in Gelsenkirchen, Germany, Ruhr-University Bochum is a public research university. The Technical University of Applied Sciences Essen was founded in 1966 and is the institutional successor of the Technical University of Essen. About 43,000 students and 4,000 academic and staff members call the university home. There is a wide variety of classes and programs available in the fields of engineering, the natural sciences, economics, the social sciences, and the humanities at this university, which is one of the largest technologically focused institutions in Germany. 

The scholarship will be paid out over the course of four monthly installments, and can be used for room and board, books, and other school-related expenses. The total amount you will get will depend on factors such as the type of program you are enrolled in and your current financial situation. If you want to apply for this scholarship in Germany, you need to fill out an online application and include your resume, transcripts, and proof of financial need. 

15. University of Erlangen-Nuremberg Scholarship

The University of Erlangen-Nuremberg is a public research university in the city of Erlangen in the state of Bavaria, Germany. Having initially opened its doors in 1693, it is one of the oldest institutions in Germany. A large part of the university’s excellent reputation can be attributed to its research facilities. 

This award in Germany requires both superior academic performance and proof of financial necessity. Students whose household income is less than 861 euros per month are the only ones who can apply for this award. To apply for this grant, you must be under the age of 35 and provide a statement detailing your financial position and your financial needs. 

Submit your most recent transcript together with the online application form. In addition, you’ll need to put together a curriculum vitae and contact a professor for a recommendation.

Helpful Tips: How can you manage your funds as a student in the UK?

Michael Nzeribe2 Comments

When you’re in college, far from home, balancing that bank account can suddenly be monstrous and overwhelming. If you are not careful, you can lose control of your finances very quickly. Managing your money in college takes some skill and willpower, but you can do it with these proven tips.

The cost of living and studying in the UK while you are at university varies depending on the lifestyle you choose and also on your personal needs.

The city you live in also plays an important role. The costs incurred can be classified into two categories: tuition fees and living costs.

Tuition fees are applicable for each year you study at a university and living costs are what you will spend annually during your stay in the UK as a student. And you can even save for tuition fees.

While college students may roll their eyes at the thought of budgeting, knowing how to manage money is vital to the college experience.

As a parent, now is the time to talk to your child about personal finances. As a parent, you have the opportunity and obligation to prepare your freshman on budgeting and smart spending strategies before he or she arrives on campus.

Whether your child pays his or her own expenses, receives your help, uses financial aid, or a bit of all three, college is an expensive experience made more expensive by poor spending practices.

Not to mention a few words of wisdom, you can give your freshman the tools they need to start college on the right financial footing.

This post gives you helpful tips on how you can manage your funds as a student in the UK. Check out the table of contents below for an overview of all that this post entails.

Personal Finance Tips for College

Here are some tips on how you can manage your funds as a student in the UK;

1. Create a budget

Carefree high school students often spend whatever it takes in their bank account, living off the generosity of their parents or the spoils of a part-time job. Once the student moves to college, a budget becomes crucial.

Whether your child has been exposed to a budget or not, it’s important to sit down together to look at finances. Determine your various sources of income, including money you will provide, income from a job, and money from student loans, grants, and other types of financial aid.

Then show your college freshman how to classify expenses so they know where it all goes. While you can’t force your student to stick to a budget, you can be sure that they know how to use it and have a clear idea of ​​what is and isn’t affordable.

As said, the trick with any budget is to stick to it. Once you and your child are over the budget, take some time to talk about how to make smart money decisions that stay within the budget. For example, help him navigate free or low-cost social activities, such as outdoor concerts, city-sponsored events, or school-sponsored adventure trips.

You know your child better than anyone, so if you like spending money on cappuccinos or the latest designer clothes, take some time to talk about shopping for clothes at discount stores or brewing beer at home.

While it’s tempting to take control of your teen’s finances, let him or her run the show—it’s time for your college student to manage a budget, after all. You can check in to make sure he or she is on track, but let your freshman continue to be in charge.

2. Use online services

College students aren’t likely to sit down and review finances in an Excel spreadsheet, especially when better options are available. Instead, set your student up with an online service or smartphone app that makes money management easy and convenient. After all, that smartphone is practically glued to your hand anyway.

Some apps, like Mint, make money management easy for a busy or forgetful college student. Mint allows users to upload bank account and expense information so they can manage all their accounts in one place. The app makes budgeting a little more accessible for a busy, on-the-go college student. This ensures fewer missed payments and penalties, as well as easy access to account balances.

In addition to money management apps, be sure to take the time to set up your student with online banking so they can transfer money online or use mobile deposits.

3. Minimize student debt

There are several ways to minimize student debt. Make sure you cover all the bases before you send your freshman off to school.

  • Spend on the right things. Of course, college students shouldn’t use financial aid to fund pizza nights in their dorm rooms, but the temptation is a powerful thing. Take the time to impress on the importance of using debt wisely. Even if loans seem like “free money” now, they’re coming back to bite you. It is your job as a parent to define what is okay and what is not okay for your child to use the loan money. Tuition, books, housing, and maybe meal plans, no social outings, new clothes, or help for a party keg.
  • Borrow only what is required. Not all students go to school with a fully funded university trust. If your child needs to obtain student loans, remind him that the amount borrowed must be commensurate with the type of salary available once he earns a degree. Even if your student chooses to borrow money for school, it should be for school.  Taking more money to finance an extravagant lifestyle on campus may seem important now, but it could be a serious problem later. Freshmen should start living frugally now so they don’t pay interest on things like a bigger dorm room or frat fees later.
  • Finance Extras with a Job. If your coed wants to finance a social life, it should be done with a part-time job, instead of student loans. Work-study positions generally offer the flexibility a student needs with the convenience of location, while off-campus positions often pay more. Either way, teach your child to have a “pay now” policy for non-essential purchases so they don’t. very  pay for them later
  • Extra profit funnel for loan payments. Try adding additional loan payments to your child’s budget by using funds from a part-time job or monetary donations to help pay off student debt. While the loans technically don’t come due until after graduation, paying them off while you’re in school can help your student save a lot of money when it comes to long-term interest.

4. Look for student discounts

College students need to become masters in exploring the ways their educational status can save them money. Vendors, local places, restaurants, and services near college campuses often offer student discounts that could save your freshman a lot of money during their first year.

You can also get discounts on flights, tuition fees, and even accommodation. Also, by looking for discounts, students learn the value of looking for great deals.

5. Be careful with credit cards

If going to college is like sailing on a vast ocean, then credit card companies are the sharks. They specifically prey on new and inexperienced rookies, relying on the idea that rookies have little money and are excited about the prospect of “easy” money. They also expect freshmen to be sloppy with credit cards, racking up late fees and high-interest payments. Credit card companies often lure students with college-focused offers, like the promise of free concert tickets or free college swag.

Make a rule with your freshman: If he or she wants a credit card, the two of you can choose the best one together. Freshmen should never sign up for a student credit card on a whim. Instead, you can talk about the pros and cons of different cards, set a reasonably low spending limit, and look for cards with points or cash-back rewards.

Your child may also want to use a debit card while in college. While it seems foolproof, make sure your student’s bank doesn’t allow a large overdraft.

In fact, turn off overdraft protection so your student can only spend what they have in the bank and won’t be hit with overdraft fees. You can prepare your child by preparing them with a prepaid debit card at home; You will soon realize that when the money runs out, it runs out.

6. Set financial limits

One way to help your child reduce expenses in the first year is to set financial limits on unnecessary items. Setting a spending limit doesn’t necessarily prevent your freshman from making impulse purchases, but it should give her pause to assess whether or not the new iPhone is really necessary.

By setting a fairly low limit, say $50 to $100 per month, he or she has some leeway without having a carte blanche when it comes to purchasing power. Add non-essential money to your student’s proposed budget, separate from essential expenses like gas and food.

While you can’t spend time hanging over your student’s shoulder, making sure he or she sticks to the plan, you can remind him or her of its importance.

If possible, you can also help lighten the load: If you know your student is strapped for money and has the means, send a care package with non-perishable food or a prepaid gas card to campus.

7. Avoid full-price textbooks

Ah, the textbook: the budget breaker for college students around the world. While it is true that some teachers change and update the texts practically every year, the vast majority use the same books year after year. That means your student shouldn’t have to pay hundreds to buy books before class.

There are many ways your student can save money on college textbooks, like looking for postings in campus newsletters or shopping on eBay and Amazon. Or have your child visit websites like Chegg, where many common textbooks can be rented. Some schools also offer textbook rental programs, so ask your bookstore and library about available options.

Unless absolutely necessary, steer your student away from the campus bookstore, where prices are likely to be highest. Also, keep in mind that some teachers add “suggested materials” to the book list, many of which may not be necessary to pass the class. Help your child review his syllabus to eliminate the required texts from the suggested ones.

When the school year ends, suggest that your student sell used textbooks to others who need them the following semester. School bookstores, online book retailers, and social networking sites are good places to advertise textbook sales. Your student can recoup some of the cash spent on book purchases and make it available to pay off student loans, pay off credit card debt, or add to savings for the next semester.

8. Protect personal information

When it comes to identity theft, college students are some of the hardest hit and the most oblivious to the crime. According to Javelin Strategy and Research, the 18-24 demographic is at the highest risk for identity theft. Not only that, but it took the average individual in that demographic 132 days to detect and report fraud.

Warn your student not to share personal information. Simple things like giving a friend a password, providing unnecessary Social Security numbers, or leaving personal documents lying around can expose your child to identity theft.

To catch theft before it goes too far, students should check their credit and bank accounts regularly, reporting any suspicious activity immediately. While identity surveillance services are available, the monthly fees may not fit a college student’s budget.

Instead, teach your teen to pay attention to his bills and suggest he order a free annual credit report from all three reporting bureaus through  AnnualCreditReport.com. However, there is an argument for an identity security service like  LifeLock if your student thinks her identity has already been compromised.

It’s an unfortunate drawback to college life, but if you’re vigilant, it doesn’t need to color your freshman year’s college experience.

CONCLUSION

When you send your freshman off to college, you’re not only ushering in a new era for your family, but you’re also looking to see if all the advice and financial training you’ve given your child is really worth it.

No one always makes perfect financial decisions, but if you’ve established a solid training foundation, your child should get through the first year without making too many financial mistakes.

What advice would you give a new student about heading off to college this fall?

10 Reasons Why a Degree in Psychology is Important

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A bachelor’s degree in psychology might be the ideal next step for you to take if you’ve always been curious about how the mind works and are interested in learning more about the factors that drive people to behave in the ways that they do.

Studying Psychology is always an excellent choice, regardless of whether we are at that pivotal point in our lives when we have to decide what field we want to work in or whether we simply feel like it’s time for a change and want to broaden our education to encompass new subject matter. The study of psychology throws light on human behavior and assists us in comprehending the reasons behind our actions. This area of study provides new perspectives on our shared human experiences, facilitates deeper connections with other people, and has the potential to make the difference between a life well-lived and one fraught with difficulties.

The following is a list of the top ten reasons why you ought to get a bachelor’s degree in psychology.

1. Open to Diverse Opportunities

Graduates in psychology are able to put their knowledge and expertise to use in a wide variety of fields and fields of work, including the education industry, advertising, private clinical practice, marketing, management consulting, academia and research, the armed forces, government departments, health and welfare services, non-profit organizations, law enforcement, and employee screening, selection, and training. Graduates are also able to use their knowledge and expertise in the education industry.

2. Scientific Community Driven

The study of psychology does not include any sort of magic. They are not mentalists, nor do they have a radar in their heads that enables them to tell in just five seconds what traumatic experience the person in front of them is going through, what their anxieties are, or what their strengths are. 

It is general knowledge that the subject of psychology is rife with a number of untruths and misconceptions; regardless of whether they like it or not, they will be compelled to confront these lies in a variety of circumstances. Nevertheless, there is one thing that they need to get out of the way as quickly as possible, and that is the fact that psychology is a social science that is grounded on the scientific method.

If they want to arrive at the conclusions, data, and insights that they desire, it is vital that they understand the importance of putting in a lot of hard labor while retaining objectivity and patience. This is the only way for them to get what they want. This work is continuously based on a variety of research approaches, which is important in order to attain success as a professional in the field of psychology. 

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3. Develop Analytical and Deductive Thinking.

The material, ideas, methods, and fields that make up Psychology studies are all valuable to our development of critical thinking, and a big portion of what goes into building up Psychology studies is what we call “fields.” No matter how much they despise it, they are going to have to come to terms with the fact that this is a prerequisite if they want to achieve our goals of being knowledgeable professionals and genuinely helping other people while preserving our honor and integrity. Both of these goals require that they accept the fact that this is a requirement. First and first, and only after that, they will have the ability to tell the forest from the trees, to recognize the openness of the lie and the sincerity of the manipulation.

4. Improve your Communication Skills

The capacity to communicate clearly and successfully with other people is one of those skills that may be put to use in a variety of different work environments. The students may not be aware that they are cultivating and perfecting this gift throughout the course of their studies in psychology; yet, they are doing so.

When writing content at a level that is suitable for students who have finished at least some degree of higher education, it is essential to have the ability to construct an argument, present a topic in a way that is both clear and objective, and cite relevant sources.

After being familiar with this mode of communication in the context of the classroom, one is able to instantly put it into practice in the professional setting.

5. Broad Understanding of Development

In addition to imparting information that may be put to practical use, it enlightens them regarding the manner in which, during the course of their lives, they may develop and mature as unique individuals. It also makes them more sensitive and receptive to the concerns of others, as well as to their sorrow or doubt. This is true in the majority of cases.

In addition to this, the study of psychology offers light on idiosyncrasies associated with particular phases of human development, such as the early stages of infancy and the senior years of life. It is also possible that they will have a significant interest in those stages of life and, as a result, decide to give some of our time to a particular community in the capacity of a volunteer.

6. New Perspective on Mental Illness

Because you have knowledge of psychology, you will be able to debunk a considerable number of the myths that people have about mental illness. For example, you will have a deeper comprehension of the differences that exist between a syndrome, a disorder, and a disease. You are going to gain an understanding that medication merely “treats” certain conditions rather than healing them entirely, and this is something you can expect to learn. You will acquire first-hand knowledge of the difficulties involved in establishing a diagnosis as well as the variety of nuances that are present in ailments such as schizophrenia, anxiety disorders, and depression. This will allow you to gain a better understanding of these problems.

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7. Distinctive Passion for Varieties

It is essential to keep in mind that not all psychologists adhere to the principles of psychoanalysis or Freud’s ideas. In addition to this, there are a significantly larger number of individuals who do not adhere to them than there are individuals who do adhere to them. They are not all involved in the practice of hypnosis and not all of them run clinics. The study of psychology gives us the opportunity to continue further education in a wide variety of psychological subspecialties, giving us the flexibility to pick and select the topics in which we are most interested.

8. Cuts Across other Disciplines 

There aren’t very many academic subfields that can complement other academic subfields as well as psychology does.  For instance, we could have a degree in journalism, medicine, nursing, pharmacy, philology, anthropology, art, or economics, and at the same time decide to begin a degree in psychology in order to acquire a much richer and more complete education that is also fascinating at the same time. This would be possible because of the interconnected nature of the human mind and the human experience. Because of this, we would be able to pursue a job in any of these many areas.

Studying psychology not only gives us a solid education, but it also enables us to significantly improve our comprehension of human behavior in all of its myriad forms, such as social interaction, language, communication, motivation, feelings, and decision making. This is a significant benefit of studying psychology. In order to acquire a more all-encompassing perspective on the many other scientific subfields, it is frequently required to carry out these methods.

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9. Emotional and Social Skills Advancement

This is a topic that does not come up very frequently in the conversations that we have. However, something that a student of psychology discovers in the course of their day-to-day studies is that the ability to acquire skills in the management of emotions or by understanding body language much more together with all of its nuances actually gives them a greater ability in interpersonal communication. This is something that the student of psychology discovers in the course of their day-to-day studies. A student of psychology will inevitably come to this realization at some point.

We are not only talking about methods in which we can enhance our ability to speak in public; we are also talking about ways in which we can begin to communicate with our people in a more productive manner. We will be in a better position to have an empathic and fruitful dialogue with the person in front of us as a result of our ability to understand the person through the person’s non-verbal communication, which includes their tone of voice and expressions.

10. Attaining your Full Potential

We indicated at the beginning of this piece that we could provide you with a thousand different justifications for studying psychology, but there is one that stands out above the rest: psychology is a fascinating discipline, and it has the potential to usher in an altogether new era of our existence. There is always going to be something that, at a specific time, affects us in such a profound way that we think to ourselves, “this is me.” This is something that will always be the case. This is the topic into which I would like to explore more completely, and this is the industry in which I would like to be of assistance to others.

There will be a few occasions when we will discuss neurology and all of the mysteries that are linked with it. In other situations, a certain form of treatment might be suggested to the patient. People are sometimes motivated to go in this way by the aspiration to work with younger people or to center their attention on an area of research that is more on the cutting edge. Every person will, at some point in their lives, come to the realization that they would like to specialize in a certain subject of psychology. This is due to the fact that the study of psychology contains such a diverse array of subfields. And in that very same instant, everything undergoes a transformation, and in that very same instant, everything discovers its function.