EDUCATION LOAN IN RBC(CANADA)

The Royal credit Line for Students - Professional Designation, is available for students pursuing select degrees that include, optometry, everinary medicine, pharmacy, podiatry, nursing, chiropractic, law, enginneering, occupational therapy, physiotherapy, MBA/EMBA and accountancy.



Depending on your degree, you can qualify for a credit limit of $40000 to $150000.



Plus it features a very attractive interest rate of just our Prime Rate+1%



It's Easy to Apply



To apply for your Royal credit LIne for Students - Professional Designation, you will need;


  1. Confirmation that you are enrolled at a Canadian post-secondary educational instituion and pursuing one of the qualifying degrees

  2. An estimate of your education costs (including tuition, supplies, fees, accommodations, foodm travel, etc.)

A list of your financial resources (including savings, bursaries, summer employment, etc.)


If you're not pursuing a qualigying professional degree, find out about the Royal Credit Line for Students.


· Apply Online


Call 1-800-769-2511 to talk to a Credit Specialist and apply by phone.


Facilities:



  1. Its revolving line of credit, which means that instead of taking all the money up-front, you arrange with apersonal banker to have an amount of money available to you each year. That's your credit limit. You can borrow all or any of it, at any time - and you can ueuse any of it as so on as you repay it.

  2. There's no cost when we set up your Royal Credit Line for Students - Professional Designation and no cost until you use it. You only pay interest on the amount you actually borrow.

There is no need to visit the bank or reapply whenever you need money. You can easy to access your withdrawal from any RBC. Royal Bank personal Touch automated Banking Machine, write a cheque or use Royal Direct Telephone or Internet Banking to transfer funds.


Easy to Repay


As long as you're a full or part-time student, the only requirement is that you pay teh interest owing each month. Remember, if you haven't used any of your credit, there's nothing to pay.


After you graduate, you will have another 12 months before being required to repay any of the principal you've borrowed. We can set up a fixed payment schedule to help you repay your loan as quickly and conveniently as possible.


EMPLOYMENT IN UK

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student education loan in australia

EDUCATION LOAN IN AUSTRALIA

POSTGRADUATE EDUCATION LOAN SCHEME(PELS)

PELS provides an interest free, income contingent loan facility similar to the Higher Education Contribution Scheme (HECS) for eligible students enrolled in fee paying postgraduate non-research programs. New Zealand citizens and some Australian Permanent Residents are not eligible for PELS.

Please Note: This information is based on current advice provided by the Commonwealth Government. You are strongly advised to seek independent advice on your tax situation.

Unlike HECS, postgraduate coursework tuition fees are set by Universities, not the government.

PELS Applications, which can be lodged from UQ's online student administration facility, mySI-net must be received by 31 March or 21

EDUCATION LOAN IN UK

BANK PHB

THE loan facility allows Nigerians to take advantage of the education and career development opportunities available in the United Kingdom. It is available for undergraduate and postgraduate studies in universities recogtnized by the British Council.

Parents/Guardians who wish to give their children or wards quality educationin UK higher institutions. Such parent of Guardian will have regular source of income or acceptable convertible collateral (share or landed properties).

Students who wish to pursue higher education UK. Such student will be required to have a sponsor (sponsor with convertible collateral). The sponsor shall assume the responsibilities of the borrower.

Working individuals who wants to pursue any undergraduate or postgraduate course in any UK university recognized by the British Council.

Process of getting the Education loan

Open a UK Education Account in Bank PHB.

Build it up to 10% of the School fees as advised by the school in question The built up amount attracts interest and is domiciled in a non withdrawal UK Education Account, held in Bank PHB till the completion of academic programme. This built up amount is treated as refundable security deposit.

Apply for a UK Education Loan that will cover 80% of the following:

School fees, accomodation, maintenance and flight tickets,

Subject to a maximum of N5million (Five Million Naira).

Student/guarantor/parent can apply for the UK Education Loan as well as service the debt over the tenor of the facility

Repayment Options

Any of the following repayment option is acceptable;

Payment of interest and principal monthly over the tenor of the facility.

Interest element to be serviced monthly, while principal is paid back once as a single bulk payment.

Interest element to be serviced monthly throughout the tenor of the facility, a moratorium of 6months after the conclusion of study (during this period, the proceds of the refundable security deposit in the Education savings account can be used to service the monthly interest), then and addtional 12 month tenor is given to service both accrued interest and the principal. In effect the tenor of the facility is extended by additional 18 months. This option is only avaliable for postgraduate students.

Options 2 and 3 are only available in cases where the borrower (student or sponsor) is abet to provid an acceptable security i.e. where the facility is collateraiuzed. If it is not, then the student/sponsor must service the interest and principal monthly over the tenor of the facility.

educationloan@bankphb.com

In the past, any 4-year college degree was enough to let you get a good decent job in the field of your preference, but times have geratly changed. Today, you can apply for any work in your field once you got your Bachelor's degree, however, if you want to attain higher levels in your line of work, the need to take up an advanced degree is neccessary.

Likewise, in some professions, particularly those in medicine and law, they always require quite a few years of graduate study. When it comes to financing a graduate school, most students agree that the graduate student loan is still the best way to pay for their schooling and reach their dreams.

First of all, graduate schools are schools are schools for college graduates who wanted to pursue higher education such as the master's degree, Ph.D., and other postgraduate programs that will lead them to a more advance level of learning. By finishing a postgraduate course, the graduate can look forward to a more rewarding career.

Furthmore, these kinds of schools are not really an independent institution. In fact, it is common for big universities to offer post-graduate courses to working executives and other professionals. Then again, like with the bachelor's degree.

The standard requirement to be eligible for a graduate school loan in include:

he must be a citizen and a permanent resident of the country where he will take the post-graduate course. In case the student is not a permanent resident, then a co-borrower will be required. Nevertheless, the co-borrower must be at least 18 years old, a bachelor's degree holder from a reputable school, and must have a good credit rating with any lending companies or bank.

Moreover, the advantage of having a co-borrower who is reliable enough to be granted with the credit is that, even if you are not creditworthy, you still and was approved, the amount that you can borrow starts from $1,500.00 up to the ceiling limit of $75,000.00. As for repaying the loan, it can be automatically debited to the lender's bank accounts or straight to the university.

At any rate, when you're lookin g for a graduate student loan, one of the most important things to consider is the rates offered by various lending companies. By doing so, you will be able to compare and then decide which of those companies offer the most affordable fees.

Most loan rates that you will find can be as low a 8.25% and with thorough search, you can even find something lower. Also, don't forget to take a look at the kind of interest rate that is being offered. There are two types of interest, the fixed and variable. Variable rates may appear to be the best choice but it's not, because it may start out low but it has the tendency to increase over time. Lastly, if you really want to get the best graduate student loan out there, with terms and conditions that are agreeable to you, then do your homework. You can't just sit back and wait for the best offer to come to you.

Brad Stridgeon has written several online publications and also maintains his own websites, besides writing for other online marketers also. Read what he has to say the converience of a graduate student loan and and get some top tips in choosing a credit card.

htttp://EzineArticles.com/?expert=Brad_Stridgeon

STUDENT LOANS IN GERMANY

STUDENT LOANS IN GERMANY

Student loans in Germany are offered by the state as well as by institutions and banks (private student loans). Some offerings only cover tuition fees for German state universities, other (education) finance tuition fees for private universities as well as cost of living.

To receive a loan as foreign student you might need a guarantor in some cases, who can guarantee for the repayment of the Education loan. Banks and other financing institutions expect that you will work in Germany or EU after finishing your study.
You might also need a certificate of SCHUFA
(creditworthiness check).

Education loan When you have found the right student loan, you can apply online or directly in the bank branch in your city. After verification of all the needed documents (like e.g. enrollment documents, CV, last exam grades etc.), the bank will prepare an education grant agreement for the loan.

After signing this agreement disbursements can start on a monthly or semester-wise base, or even as one time payment.
Depending on the interest payment model, disbursements can be reduced by the interest costs right from the beginning or interests are granted until repayment phase starts (after you have graduated and found a job, which is more expensive). Repayment period depends on your finances as well as on bank's student (education) loan criteria.


Education loan for student (Private) are offered country-wide e.g. by Deutsche Bank, Dresdner Bank and deutsche Kreditbank (DKB) Education loan . Some banks of sparkassen group or Volksbanken/Raiffeisenbanken offer regional loan programs as well.

Education State student loans in Germany are offered e.g. by: KFW bank,
NRW. Bank (only tutin fees), L-Bank (only tution fees).

Private education funds (so called 'Bildungsfonds'): CareerConcept and Deutsche Bildung

Education funds offer to qualified and highly motivated students, funding for both cost of living and tuition fees. Repayment is income based instead of interest-based, which means that after a successful application the fund determines a fix percentage rate of your gross salary per month which you will have to pay back over a determind period of time (usually between 4 and 5 years). Depending on your salary after graduation you may pay back more, the same sum, or even less to the education fund. This type of student loan is perhaps the most secure, because repayment always correlates to your financial status and the salary you get.

What to consider before applying for a education student loan:

Financing your tuition fees:

Depending on the state where your desired University is situated, student fees vary between 375 and 500 Euros per semester (keep in mind that in Germany there are 2 semester per year). See Tuition Fee Map here.

EDUCATION ABROAD

Education in USA
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