Monthly Archives: October 2016

Info All about Student Loans for Overseas Education

You can easily achieve your dream of STUDYING ABROAD even if you have limited funds. Educational Loans can be an important part of your overall funding strategy. We at Edwise provide you the opportunity to avail of an Education Loan that covers all aspects of higher education including college fees, cost of books and accommodation

  We have a list of Nationalized & Co-Operative Banks offering loans at reasonable interest rates and we also have association with well-known nationalized Public Banks, Private Banks and Financial Institutions.

 We help you with the complete procedure, starting from selecting banks, to the required documentation, eligibility criteria, interest rates and repayment period etc.

Listed below are several points that one should know about Study Loans.

Eligible Courses:

All recognized Courses having employment prospects

  • Graduation / Post Graduation / Diploma Courses / Professional Courses

Expenses Which Constitute The Student Loan:

  • Air fare / Travel expenses
  • Admission / Tuition Fees
  • Boarding and Lodging expenses
  • Books and Stationery expenses
  • Instruments / Equipment’s etc. required to complete the course
  • Examination / Library / Laboratory fee or any other expense required to complete the course like study tours, project work, thesis etc.

Eligibility:

  • The applicant should be an Indian National
  • He should have secured admission to a professional / technical courses in Abroad
  • Age of the student should be between 18-35 years

Quantum of Loan:

  • For studies abroad the maximum limit for a loan sanction is Rs 15-20 lakhs by banks
  • Above 20 lakhs loan can be sanctioned by some financial institutions and Private Banks

Security / Collateral:

  • Upto Rs.4 lakhs – No Security (nationalized banks)
  • Above Rs.4 lakhs & upto Rs. 7.5 lakhs–Collateral in the form of satisfactory third party guarantee (Blood Relative)
  • For loans above Rs.5 lakhs, one can deposit (Fixed Deposit / LIC) 50 % of the required loan sanction amount as collateral.
  • Above Rs.7.5 lakhs – Co-obligation of parents/guardian together with tangible collateral security of suitable value along with assignment of future income of the student for payment of instalments.
  • Partial collateral is accepted by some financial institutions and banks.

Acceptable Collateral:

  • Residential / Commercial property
  • Fixed Deposit of the total loan value with bank
  • NSC / LIC policies.(Surrender Value taken into consideration)

Applicant & Co- applicant

  • Documents should be executed both by the student and parents / guardian as joint borrower.
  • The applicant is the student pursuing studies abroad.
  • A co-applicant is parent / guardian.

  • Repayment period will be 5-10 years.
  • Interest plus principal is to be serviced every month after the first disbursement made by few financial institutions even if student has not yet travelled.
  • Repayment of principal to commence 6 months or 12 months after the completion of the course or immediately on getting a job whichever is earlier.
  • Interest repayment is freezed in the moratorium period by few banks.

  • 15% of the loan amount is borne by the student on loans above Rs.4 Lakhs.
  • 85% is sanctioned by the bank.
  • 100% sanction is given by some institutions.
  • Who can be a co-applicant?
  • Any Earning member of the family such as Father/Mother/Brother/Sister/Spouse
  • Father in law/ Mother in law/Sister in law/Brother in law/Paternal/Maternal Uncle/Aunt

Tax Deduction

  • Students and or parents who borrow directly are eligible for tax deductions as per the Income Tax Act.

What Edwise Students Studying Abroad Says…

“Edwise was very helpful in processing my loan before the desired date of visa. Personalized attention was given by the education loan department. Edwise has helped me out extensively through a reasonable and useful solution of paying for my education in the UK.”

Name: Chetan Raipurkar

University: Cardiff University, UK

Course: MSc-Networking & Security

Loan Amount: Rs.7,50,000/-

Bank: Central Bank of India

“It was always my dream to study abroad however I was not financially equipped. After visiting Edwise. I was suggested to apply for education loan. Edwise not only directed me to right bank but they assisted me at every level of this procedure and I would not be where I am today if it wasn’t for them.”

Name: Kalpesh Kumar Patel

University: George Brown College, Canada

Course: PG-Diploma

Loan Amount: Rs.7,00,000/-

Bank: Bank of Baroda

“Studying abroad is not easy without financial support. Edwise introduced me to the right financial institution that helped me through the entire loan process. Avanse was very co-operative throughout the loan procedure and sanctioned my loan before my visa date.”

Name: Rajesh Manish Singh Kumar

University: ERC Institute, Singapore

Course: Master of Business Administration

Loan Amount:  Rs.15,00,000/-

Bank: Avanse Financial Services

“The loan processing was done within 15 days without any problem. To my surprise, my loan was processed before time. I am really grateful to the people who have helped me in getting this loan. Special thanks to Edwise as they were very co-operative and guided me to the right place.”

Name: Jasmeet Kaur

University: Deakin University, Australia

Course: MSc-Software Engineering

Loan Amount: Rs.4,00,000/-

Bank: Bank of Baroda

“Edwise was very helpful throughout the loan process. I hope many other students like me are able to get their loans and achieve their dream careers.”

Name: Sai Dheeraj

Country: Hult Business School, USA

Course: Master of Business Administration

Loan Amount: Rs.20,00,000/-

Bank: Avanse Financial Services

“Availing loan from the bank was a biggest task for me but with the advice of Edwise I was able to avail loan from the bank they introduced to me. The bank has played a major role to fulfill my dream of studying abroad. Thanks to Edwise for their guidance.”

Name: Ankush Sarkar,

Country: University of Auckland, New Zealand

Course: MSc- Engineering

Loan Amount: Rs.9,00,000/-

Bank: Central Bank of India

Overseas Education Consultant

We at Edwise streamline and personalize the process for each student irrespective of the destination, institution, course or any level of study. Our team of experienced professionals will provide you individual attention and exceptional guidance throughout your process of application. We provide assistance related to course selections, admission, visa, bank-loan and scholarships. We also host University delegates for direct student interaction and all these services are provided free of cost. We have established since 1991 and have been maintaining strong networks with over 575 universities in 16 countries, hence giving us a unique insight into the finest educational establishments worldwide.

Start your education overseas with valuable information on everything you need to know about studying abroad from study permits, temporary resident visas and how much it costs, to finding a program.

Do visit your nearest Edwise branch & choose your university carefully under our expert guidance and ensure that you have all your paperwork in order. Once you apply, and the wait is over, you can really begin to look forward to not only studying in a beautiful and vibrant country, but also to a life experience quite like no other.

Designing and Implementing Cloud Data In Exam Practice

The virtuoso who can pass the exam will have the most clear chance to turn up unmistakably more watched individual in the business. Depicting out the Cisco Cloud is an accreditation that will test the cutoff centers and data of the virtuoso concerning ACI advances and exchange off.

Designing and Implementing Cloud Data Platform Solutions 70-473 exam is for aspirants who are occupied with approving their abilities in planning and actualizing data platform solutions. Candidate for this exam will have significant work involvement in on-premises and cloud-based stage arrangements.

Competitors ought to know the elements and abilities of the Microsoft information stage to have the capacity to recognize tradeoffs and to settle on choices for planning open and hybrid cloud arrangements. Competitors who take this exam are relied upon to have the capacity to characterize the suitable foundation and stage answers for meet the required utilitarian, operational, and arrangement prerequisites through the arrangement lifecycle.

The topics of exam are:

Outline and execute database answers for Microsoft SQL Server and SQL Database (20–25%) which includes: plan a crossover SQL Server arrangement, plan Geo/DR topology, outline information stockpiling engineering, plan a security design, plan an information stack procedure, actualize SQL Server on Azure Virtual Machines (VMs), arrange SQL Server in an Azure VM, design firewall controls, arrange and upgrade stockpiling, move an on-premises database to Microsoft Azure, design and advance VM sizes by workload, plan a SQL Database arrangement, plan design engineering, outline Geo/DR topology, plan a security engineering, outline an information stack procedure, decide the proper administration level, execute SQL Database, arrange SQL Database, design firewall rules, arrange dynamic geo-replication, move an on-premises database to SQL Database, arrange for scale and execution, plan and execute information warehousing on Azure, plan an information warehousing arrangement on Azure, outline an information stack methodology and topology, design SQL Data Warehouse and move an on-premises database to SQL Data Warehouse.

Oversee database administration frameworks (DBMS) security (25–30%) and includes: Plan and actualize SQL Server Database security, design firewalls; oversee logins, clients, and parts; appoint consents; arrange evaluation; design straightforward database encryption and execute Azure SQL Database security.

Plan for high accessibility, calamity recuperation, and versatility (25–30%) includes: plan and actualize high accessibility arrangements, outline a high accessibility arrangement topology, execute high accessibility arrangements between on-premises and Azure, plan cloud-based reinforcement arrangements, actualize reinforcement and recuperation techniques, plan and execute adaptable arrangements, plan a scale-out arrangement, execute multi-ace situations with database replication, actualize versatile scale for SQL Database, outline and actualize SQL Database information recuperation, outline a reinforcement answer for SQL Database, actualize self-benefit reestablishment and duplicate databases.

Screen and oversee database usage on Azure (25–30%) includes: screen and investigate SQL Server VMs on Azure, screen database and example action, screen utilizing dynamic administration views and element administration capacities, screen execution and versatility, screen and investigate SQL Database, screen and investigate SQL Database, screen database action, screen utilizing DMVs and DMFs, screen execution and adaptability and mechanize and oversee database usage on Azure.

Inspired Life For You After Study Abroad

You’re home after one of the most incredible, memorable experiences of your life. Your view of the world has shifted and you’ve changed in every way. The idea of life after study abroad might seem unimaginable.

You’ve learned so many new things in your host country, and gained some new perspectives on life. However, many people don’t realize that returning home can be challenging. In fact, the feeling of returning home from a study abroad experience is referred to as reverse culture shock. Every person experiences a different kind of culture shock on returning home. Some may feel lonely, while others may feel disoriented and frustrated. Here are some ways on how you can live an inspired life after studying abroad.

  • Keep in contact with friends you made while stud

    ying abroad

The friendships that you make while studying abroad does not have to end just because you are returning home. It’s worthwhile to keep those connections strong. You can continue to keep in touch with your host family and classmates by writing letters, exchanging home town gifts or by messaging or video calling them just to see how they doing. Let them know what you’ve been doing ever since you’ve got back home. You can even make plans to visit them to keep those memories alive.

  • Plan activities

Get involved in activities in your area; invite your friends and family to come join you. If there was a hobby you picked up abroad, continue doing it. One of the important things you may have missed while studying abroad is experiencing new activities with your loved ones. Spend time with others who share your passions by joining an international or language club. You will be amazed by how many people are interested in the same activity as you.

  • Continue to travel abroad

            Just because your study abroad program has ended, does not mean you can’t continue to travel abroad. You can sign up for a volunteer program to keep the cultural exchange flowing or take up a summer internship abroad.

  • Reconnect with old friends

            Take a trip down memory lane, revisit your favourite spots with your friends and make new memories. Visit art shows, museums, and historic sights in the area. Planning a weekend away with your friends is also a great idea, this way they can fill you in on their latest news and happenings.

  • Live in the moment

Seek out adventures, visit places you’ve always wanted to see but never got around to. Visit friends who stay in different cities, this way you will be able to experience and explore new places. Be spontaneous, go trekking, and get up to watch the sunrise.  Live in the present without thinking about your next move.

  • Keep learning

Maintain the same thirst for new knowledge you had when studying abroad. You can also keep yourself updated by catching up on the latest news from your host country. You can also rent some books from the library, or browse through some travel blogs. You may learn something you never learnt in the classroom. This way you can continue living your study abroad life.

  • Take some time to reflect

Considering study abroad programs are often fast paced, there may have been times when you couldn’t process it all. All of your time spent studying abroad will leave you with a lifetime of memories, now that you are back home you can sit back, relax and reflect on your experiences.

  • Combine your experience with a future career

Your study abroad experience may also provide you with insight into a new career. There are a lot of jobs out there that will allow you to put your new skills to use. Employers look to hire people with real international experience.  Having studied in foreign culture will awaken your senses and led you to new understandings and personal growth. Aim to combine your knowledge and experience of studying abroad, and implement them into your day to day life. It may seem daunting at first, but think of ways on how you can be beneficial to these employers, into a career that you will also find fulfilling.

  • Embrace the change in you

The most profound difference upon your return will be in yourself. There is no denying how studying abroad changes you from the person you were when you first left your home country to the person you are now. You’ve probably become accustomed to a high level of activity and anticipation, confronting new places, and constantly meeting new people. Embrace the change and continue being the new you.

  • Keep an open mind

Keeping an open mind is just what you need to have just as much fun back home as you did when studying broad. Although studying abroad is an incredible experience, the adjustment process can be a huge part about how you feel about your overall experience.

Overseas Education Consultant

We at Edwise streamline and personalize the process for each student irrespective of the destination, institution, course or any level of study. Our team of experienced professionals will provide you individual attention and exceptional guidance throughout your process of application. We provide assistance related to course selections, admission, visa, bank-loan and scholarships. We also host University delegates for direct student interaction and all these services are provided free of cost. We have established since 1991 and have been maintaining strong networks with over 575 universities in 16 countries, hence giving us a unique insight into the finest educational establishments worldwide.

Start your education overseas with valuable information on everything you need to know about studying abroad from study permits, temporary resident visas and how much it costs, to finding a program.

Do visit your nearest Edwise branch & choose your university carefully under our expert guidance and ensure that you have all your paperwork in order. Once you apply, and the wait is over, you can really begin to look forward to not only studying in a beautiful and vibrant country, but also to a life experience quite like no other.

Most effective VPK and summer camp by offered in best preschool

The children who have not still started their primary education they can enroll in the reputed early educational foundation for the better skill development through the vpk and summer camp programs that are held in such preschool.

Skills are developed gradually with the assistance of the proper supplement of the guidance through the senior competent instructor to every young child that has just been aged 1 or more than that but the motto of the every parent has the great intention regarding on their children’s skill development through the all sides so that they can bring the best success in their educational life. Having seen almost of necessity of the preschool educational establishment in providing the excellence skill and knowledge supplement to the innocent and immature brains that have just aged under in 1 to five years old who still have not the conscience distinctly what existence has surround them and most of the parents prefer to have their children to be most talented in this competitive era which through the parent preferred to earn the great satisfaction of their children’s success but this quotation would be more effective if their child would enrolled in the reputed early child care educational foundation whose has the best and experienced child caring technique along with the competent teacher.

Almost of the literary scholars have justified the requirement of the early educational foundation how much potentially important to stimulate the youngest children through their inner mind development and they had made the necessary of the pre-primary education to avail for all children before going to begin their academic education in the primary educational foundation such early education center provide ample opportunity to all children so that their behavioral complexities could be changed through the curriculum and educational activities which are inherited by everyone by born.

VPK School Cape Coral fl offers the ample opportunity to increase the social and emotional skills along with active learning, language acquaintance, spell out the word, reading and writing the alphabet such as consonants, hydroponic natural garden, and many more. Voluntary pre-kindergartens is the foremost effective program that actually endures for the 1 year duration which covers up the entire educational objectivity for the ultimate development of the mind stimulation during the age of the 4 years old who have still not enrolled in their academic educational establishment.

Almost of the preschool held the summer camp in the outdoor space to exhaust with the entire environment for the further challenge so that the children could not feel any hesitation and still have not enrolled in the VPK program they could be highly beneficial after enrolling in the summer encampment wherein they would learn the outdoor environment by swimming, natural bushes and plantation, trip, and many other fun activities that are fully related with the knowledge.

Preschool summer camp Cape Coral fl has been offering the best and most effective knowledge and skill stimulation lesson for all children who are under in 4 years old.