SCHOLARSHIP IN LONDON STUDY IN LONDON EDUCATION IN LONDON V ISA IN LONDON

Applying to study in London

Studying at a London university will be one of the most exciting years of your life. Ensure you are prepared with our application guide to studying in the UK.

Applying

1. Check the entry requirements. Each course and institution will have different entry requirements. Contact the university of your choice.

You can also compare your current qualifications to the UK's qualification requirements at NARIC, the National Academic Recognition Information Centre which can provide you with simple and officially recognised documents.

International undergraduate students: contact your chosen university to find out more about application requirements. You can also visit UCAS, the UK central organisation through which applications are processed for undergraduate entry to higher education. UCAS provide information and services to prospective students.

International postgraduate students: contact your chosen university.

2. Check the UK student visa requirements

Tips

1. Visit the Study London Facebook group to ask current students your questions.
2. Read the British Council's comprehensive guide to studying in the UK.
3. If you still have questions about studying in London, contact your chosen university and they will be happy to answer any questions you have.

Student Top Tip - Applying to Study

Most universities in London have specialist international advisers who can give you qualified support. Contact international officers at universities for advice on almost anything, from applying to study in London through to extending your UK visa.


Why Study at the University of London?


The University of London has a long established reputation for excellence in teaching and research, attracting students from all parts of the UK and from across the globe. By applying to the University of London you will have the chance to study at world class institutions and in the cosmopolitan atmosphere of one of the world's most exciting and vibrant cities.

The University of London degree is highly regarded world wide. If you choose London you will be coming to a university with the very best programmes and facilities to help you achieve the highest academic distinction and give you a head start in your chosen career.



FSU London Study Centre

The FSU Study Centre is located in the Bloomsbury area of London. Well before the establishment of its world famous inhabitants Bloomsbury was already an area associated with the literary, artistic and cultural life of the city and the realm, and this association has continued into the present.

A casual glance at the blue markers on the buildings of the neighborhood reveal that these were once home to social satirist and artist William Hogarth, Charles Dickens, John Cardinal Newman, William Butler Yeats, Virginia Woolf, and The Bloomsbury Group, to name a few.


Diversity and choice

The University of London has a student population of over 90,000, with a further 41,000 students studying by distance learning on the University's External System .

The Colleges and Institutes of the University of London offer an unparalleled range of qualifications and opportunities for study. The University offers over 3,700 courses each year covering almost every subject found in any university curriculum.

The University of London has one of the most culturally diverse student populations in the country. More than one in four students studying at our Colleges and Institutes are from outside the UK.

The University has a host of high quality educational facilities and provides excellent support for its students covering all aspects of student welfare.




Listing of London Study in London - All In London City Guide

Brunel University
Uxbridge, Middlesex UB8 3PH

City University London
Northampton Square EC1V 0HB

Goldsmiths, University of London
New Cross SE14 6NW

Imperial College
South Kensington campus SW7 2AZ

Kings College London
Strand WC2R 2LS

London Metropolitan University
31 Jewry Street EC3N 2EY

London School of Economics
Houghton Street WC2A 2AE

Middlesex University
The Burroughs, Hendon NW4 4BT

Morley College
61 Westminster Bridge Road SE1 7HT

Queen Mary University of London
Mile End Road E1 4NS

South Bank University
103 Borough Road SE1 0AA

Thames Valley University
Walpole House, 18 - 22 Bond Street, Ealing W5 5AA

The College of North West London (CNWL)
Dudden Hill Lane, Willesden NW10 2XD

University College London
Gower Street WC1E 6BT

University of East London
E16 2RD

University of Greenwich
Park Row, Greenwich SE10 9LS

University of London
Senate House, Malet Street WC1E 7HU

University of Westminster
Headquarters, 309 Regent Street W1B 2UW

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Welcome to Study in Europe

There are more than four thousand higher education institutions in Europe, from top level research establishments to small, teaching focused colleges. Europe itself is no less diverse, extending from the Arctic Circle to the coast of Africa, where tiny principalities sit side by side with many of the world’s leading economies.

A fascinating destination, but which country should you go to? Which university should you choose? What do you need before you leave? What will happen when you arrive? These are just some of the questions you’re probably asking yourself already.

Study in Europe is here to help. We provide up to date information on thirty two European countries, their universities and what it takes to live and study in them.

Use Study in Europe to find the university that suits you best. A well informed decision will make your time abroad even more valuable.

Europe map

Study Abroad Advice and Information

Choosing the right combination of course, college and country is probably one of the most important decisions any student who wants to study abroad will ever have to face. So please take your time to visit the different sections of The International Education site, they are all very, very different and each includes a huge amount of study overseas information and university advice.

Bachelor and Master in Europe

Since the university landscape in Europe is changing at the moment times have never been better to study in another country. As a result of the Bologna declaration 1999 steps are taken to consolidate the higher education system in the European community. To advance the international mobility of the students, the degrees Bachelor and Master are established at the universities.

Higher Education in Europe

# Some University like Aalborg University, Denmark require IELTS test (International English Language Testing System) with a score of at least 6.5
# EPFL Swiss Federal Institute of Technology Lausanne require TOEFL + GRE (not reqd.)
# Delft University of Technology:Computer Engineering:A Grade Point Average (GPA) for the BSc programme of at least 75% of the scale maximum. A Graduate Record Examination (GRE) score of at least 450 verbal/550 analytical/650 quantitative. Proof of proficiency in the English language: a TOEFL score of at least 550 (paper based test) or 213 (computer based test), or an IELTS (academic version) overall Band score of et least 6.0.

# Moscow State University offers excellent programs in Physics and Material Sciences.
# Swedish University says To participate in any of the Master?s programme, a high level of proficiency in English is required, such as TOEFL at level 550 (213 computer based) or above, IELTS 6.0 or Cambridge Certificate of Proficiency. In addition to these general requirements, the applicant must meet the special requirements that apply to each of the programmes.

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Study Abroad in Turkey

Turkey straddles Europe and Asia in both a literal and a metaphorical sense, having played a powerful role in intercultural exchange from antiquity, to the glory days of the Ottoman Empire, to the present day. A land at the convergence of many cultures, decorated with impressive historical ruins and monuments of the ages, Turkey has both a firm tradition of secularism and a lasting Muslim influence. Turkey is a key player in relations between Europe and the Middle East, and its bid to join the European Union has brought it to the center of international debate at this pivotal point in the country's history.

Institutes of higher education in Turkey are governed by the Higher Education Council and are similar to universities in the United States. Turkish universities boast high standards and internationally recognized degrees, and most of the scientific research in the country takes place there. Students who study abroad in Turkey will discover that the educational system is competitive, especially when it comes to gaining entrance to popular departments.

Istanbul, the cultural center of modern Turkey, was the capital of the Byzantine Empire until the Ottoman Turks invaded in 1453. Better known in the West as Constantinople until the 20th century, the city definitively took its present name when the Turkish leader Ataturk began his modernization and reforms. Several reputable universities in Istanbul boast roots going back to Ottoman times. It is now a cosmopolitan, trendy city with an energetic nightlife. Istanbul was also recently named the European Culture Capital for 2010, due to its role as a European cultural crossroads.

Students interested in studying history in Turkey will find Istanbul fascinating, especially because the 100,000 seat, ancient Byzantine stadium, the Hippodrome, is located in the city. The area also features the Egyptian Obelisk, Column of Constantinos and the Serpentine Column, which was taken from the Temple of Apollo at Delphi in Greece. Bogazici University offers an excellent history program. Another university in Istanbul is Yeditepe University, a prestigious institution at which students can learn Turkish language as well as culture. The university is a popular destination for students who want to study abroad in Turkey. Istanbul was recently named the European Culture Capital for 2010, due to its role as a European cultural crossroads. Ankara, the capital of Turkey, is another university town and home to many expatriates from around the world. Ankara dates back to the Bronze Age, and archaeology students will find a strong program at Bilkent University. Archaeology is an excellent subject to study in Turkey, as the country features the ruins of ancient Troy and is rumored to be the landing place of Noah's Ark, as well as the location of the Garden of Eden.

Another university in Istanbul is Yeditepe University, an institution at which students can learn the difficult Turkish language as well as the area's culture. The university is a popular destination for international students.

Turkey has been home to diverse religious traditions over the years, and today the country is overwhelmingly Muslim, but the church and state are firmly separated, and freedom of religion is enforced. Turkey is the only Islamic country that includes secularism in its Constitution and practices. Students who choose Istanbul's Marmara University will have the option to study religion if they desire.

Ankara, the capital of Turkey, is another university town and home to many expatriates from around the world. Ankara dates back to the Bronze Age, and archaeology students will find a strong program at Bilkent University. Archaeology is an excellent subject to study in Turkey, as the country features the ruins of ancient Troy and the sites of some of the world's earliest urban centers, dating back to the Neolithic period.

Architecture students will find diverse examples of historical styles in Ankara. The Middle East Technical University offers a fascinating program, and students will not have to travel far to do fieldwork. Ankara features such ancient architecture as the Ankara Citadel, which was completed by the Romans and altered by the Byzantines; the 2nd century B.C. Temple of Augustus and the Haci Bayram mosque built in 1429.

The famous Cappadocia region will be of special interest to geology students. The area features stunning volcanoes, cave towns and rock formations. The area's underground communities and rock cut churches and monasteries are likely fieldwork destinations for students studying geology at Ankara's Hacettepe University. The Devrent Valley is another geological destination with famous volcanic cones.

Students will find many attractions outside the classroom to keep them busy while in Turkey. The country is surrounded by seas on three sides, and many beautiful beaches line the coasts. The beaches of Antalya on the central Mediterranean coast are particularly popular. Since Greece lies just across the Aegean Sea, students may choose to go on side trips to take in the ancient country and its sights.

Turks are hospitable people, and their national pastimes include drinking tea, playing backgammon and soccer, and even camel wrestling. Students will discover an enchanting blend of Middle Eastern, Islamic and Mediterranean cultures. They can learn about Turkish folk heroes such as Nasrettin Hoca, the 13th century humorist and sage, as well as the 13th century philosopher and poet Yunus Emre and the 15th century folk poet Koroglu.

Students who choose Turkey as a study abroad destination can shop in the world's largest covered market, Istanbul's Grand Bazaar, and then head uptown to browse for discounted fashion goods and clothing in the department stores along Istiklal Caddesi. If they really want to break the bank, students can visit the posh district of Nisantasi. International students will be captivated by the charms of this fascinating land of so many glorious civilizations, from prehistory to the present.

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NEW ZEALAND EDUCATIONAL SERVICES


New Zealand has Vibrant cities with breath taking Spectacular scenery sets it apart from the rest of the world from rolling Green farm lands dotted with sheep, to barren and active volcanic desert areas, from golden sandy beaches with crystal clear blue water to majestic snow capped mountains, Fiords, Glaciers, lakes, Wild rivers, Native forest with Unique wildlife New Zealand has an international reputation as a provider of quality education. It offers safe and clean environment , which provides excellent study opportunities & support services for international students. Kiwis enjoy a more relaxed lifestyle than people in many other countries. They enjoy an excellent quality of life that compares well with other western nations. Even living in New Zealand is cheaper than many other countries. In a worldwide survey conducted in 2002, New Zealand ranked amongst the lowest 50 for cost but the highest 30 for quality of life.

Courses are available in academic, professional & vocational studies at universities, Polytechnics & institute of technology, colleges of education providers & secondary schools. Students’s who choose to study in New Zealand will find themselves in a country of great beauty, which enjoys a pleasant climate & a stable political environment. Apart from studying excellent educational opportunities, a wonderful environment, open friendly people with Thriving cultural life awesome options for recreation and Sporting opportunities to balance your study, a pleasant climate, open friendly English speaking people, fascinating history, and a dynamic multi cultural Safe and honest society.


Can I study in New Zealand?

We welcome people who wish to study in New Zealand, and are proud to offer high quality, internationally recognised courses. To keep up our good standards and reputation, there are some definite rules and requirements that students from other countries have to meet.

The application steps

Complete the form

Print and complete the form Student Visa/Permit Application PDF. Also available is the Student Visa Permit Guide PDF, which will assist you in applying. If you cannot print the form and guide, they are available from your nearest Immigration New Zealand branch.


Make sure you submit everything we require, including the fee


Along with your completed application form you will also need to provide all the information listed at the back of the application form and the correct fee. If you do not submit the required information with your application we cannot accept it for processing.


Make sure you meet our health requirements

What you have to provide us with depends on how long you will be staying in New Zealand.

Studying in New Zealand for between six months and one year?

You may also need to provide a completed Temporary Entry X-ray Certificate PDF to show you have been screened for tuberculosis .



Studying in New Zealand for more than one year?

You will need to complete a medical examination and a medical and X-ray certificate.


Pregnant women and children under the age of 11 years are not required to submit X-ray certificates unless a special report is required.

For full details on our health requirements, see the Health Requirements Leaflet PDF.


Make sure your meet our character requirements

If you are studying in New Zealand for more than two years you will also have to provide a police certificate, less than six months old, from your country of citizenship and from any country in which you have lived for five or more years since reaching 17 years of age.


Lodge your application

If you are applying from outside of New Zealand, your application must be made and approved before you are able to travel to New Zealand..


Student Visa

You may need to get a Student Visa or Permit to study in New Zealand as an international student Some people do need a student visa, some people don’t. But, most international students will need a permit that sets out the conditions of their stay here. Before you check whether you’re eligible for a visa, find out whether you need one because If the course you want to take runs for less than three months, you could apply for a visitor’s visa. You must ensure your course is NZQA approved. Find out about visiting New Zealand.

What is required Students

To be eligible to come to New Zealand as a student your course must meet the New Zealand requirements for international students. And there are requirements you must meet as a student.


What are the requirements my course has to meet?

The most important requirement is that you have an offer of a place from a New Zealand education provider such as a school, polytechnic or university. Study programmes offered to international students must meet specific course requirements


What requirements do I have to meet?

There are a number of general requirements you need to meet before you get here and others you must meet during your stay.




Student requirements

To be eligible to come to New Zealand as a student there are a number of conditions you need to meet before you get here and others you must meet during your stay.

Before you get here…


To enter New Zealand you need:

* to have an offer of a place from a New Zealand education provider such as a school, polytechnic or university
* evidence that you’ve arranged accommodation through the education provider or through another person
* a guardian who is eligible to accompany you, if required
* to be in good health and of good character.
* If your stay is longer than six months, in some cases you may need to complete a TB clearance. And if it's longer than two years, you'll have to provide medical and police certificates
a passport that’s valid for at least three months past the date you are to leave New Zealand
* proof that you plan to leave New Zealand once you’ve completed your study

While you’re here…

If you’re granted a Student Permit you need to meet certain conditions during your stay:

* attend the place of study noted in your permit. However you can apply to us to change your course or the institution. Want to know more.
* live with your guardian, if required
* make progress in your study pass your course
* you may only undertake work allowed by your Student Permit
* keep within New Zealand’s laws
* stay in New Zealand for the time allowed by your permit.


If you break any of these conditions the New Zealand Immigration Service may revoke your permit.

Study in usa scholarship in usa education in usa student visa in usa visa in usa study abrod usa

WHY STUDY IN THE USA

Maybe you want the very best education available. Maybe you want to put your career on the fast track by perfecting your English and working with top professionals in your field. Whatever your reasons, one thing is clear your next step is to come to the U.S.A. which will help you achieve your goals and have fun.

Choosing the USA

There are many reasons that students like to come to the USA to study at the undergraduate and graduate level learn more about what the USA has to offer an international student. You will find all of the resources and information you need in order to make the right decision on where to study. How will you choose your program? Where in the USA is best for you?

Application Process

The application process can be extensive and confusing. We have created an easy to follow timeline and breakdown of everything you will need to apply to your program of choice.

USA Education System

Want to study in the US but confused about the American education system? This section includes international student info on USA universities, USA colleges, ESL schools, USA high schools, vocational schools, boarding schools, etc. Get info about the USA education system and how it works. What is the difference between a bachelors degree and associate degree? What are the differences between universities in the USA, USA colleges, and USA community colleges?

Detailed information on associate degree, bachelor degree, masters degree, and PhD degree programs, academic credits, elective course options, types of USA schools, types of USA universities, what a liberal arts college is, and general USA education and graduation requirements for the international student.

Orientation

During the first few days, students participate in orientation activities to become familiar with the English Language Center, RIT and the city of Rochester. They also take English language proficiency tests and are placed at the level which best serves their needs. Instructors from the English Language Center are assigned as advisers to help students with cultural adjustment, housing, and university admission. Advanced level students may be permitted to take one or two classes at the university for credit. Students on student visas may work on campus and enjoy university life. They live in dormitories and eat in cafeterias with American students. Students with a C average in English classes receive a certificate.

Campus Facilities

The University has wonderful facilities for its 13,000 students. There is a library, weight room, indoor track, indoor Olympic sized swimming pool, tennis courts, indoor ice skating rink, and several cafeterias. There is a Health Center with two doctors, and special services on immigration issues for international students.

Financing Your USA Education

Can international students work while enrolled in USA universities, colleges or schools? This section offers advice and information on paying for your education in the USA. Includes information on the cost of study in the USA and attending USA universities, USA colleges and other types of USA schools. Financial aid for US study, international student loans, grants and international student scholarships.


USA Immigration

How does one get an international student visa to study in the US? Get information on immigration issues confronting each international student wanting to study in the US. Does the USA still welcome international students wanting to study in the USA? Which USA universities, USA colleges and USA schools are authorized to enroll international students?

Includes international student visa application info, passports, USA embassy information, USA visa regulations, US green card lottery application, and even the new SEVIS immigration rules. Obtain USA immigration forms and read about some of the recent USA immigration changes that will affect your study in the USA.

Graduation

You have many choices to make after you graduate look for a job? Continue on with your education? We can help focus your research on the next step for you to take on your journey.

scholarship in australia study in australia student visa in australia education in australia study abrod australia

Welcome to Study Australia

Australia offers some of the world’s best educational opportunities, and have an unrivalled reputation for welcoming and supporting international students.

The Study Australia website is a complete Information Resource for international students wishing to study in Australia.

If the information you want is not on the site, contact us by using our online enquiry form and we will provide the information you need. Let us know what you would like to study and where. We will find the best course and institution for you, and handle your application.




STUDENT VISAS TO AUSTRALIA

The Overseas Student Program (OSP) allows overseas students to come to Australia to participate in study at various levels, including, secondary, tertiary, post graduate vocational and non award courses.

Anyone wishing to study in Australia is required to obtain an appropriate Student visa before commencing any course. To be granted a Student visa your enrolment must be in a registered course on a full time basis.

There are currently almost 223, 000 students participating in Australia's Overseas Student Program.

We are your gateway to Australian education and training.

So, don't get frustrated by hours on the Internet trying to access the information you need. Let us guide you through the maze to success.

We have many years of experience assisting International Students to study in Australia. Each year over 500 international students, mainly from Asia, Africa and Europe work with our professional counselors. We can help you to examine your study options, identify the best course for your particular needs and background, and gain entry to your chosen program. We can also provide on going support services and counseling during your studies.



Can I study in Australia?

Find out if you can study in Australia and experience this wonderful country.

Work and Study in Australia
Information about the Australian student visa and your working options as a student.

School Study - (Pre & Sec)

This Australian educational level is suitable for students aged between 5 and 19



Vocational Study in Australia

Suitable for students who want to further their technical and trade skills.


University Study in Australia.

Suitable for students who want to obtain qualifications for entry to the professions.

Study English in Australia.

Suitable for those who want to improve their practical English skills for work or travel.

study in germany student visa in germany scholarship in germany education in germany visa in germany

Studying in Germany: Wide Range of Opportunities



Whether you’re an undergraduate or a postgraduate, Germany has a lot to offer its foreign students. On its Study in Germany Web site, DW WORLD.DE has put together an extensive bank of background information.


Germany pic




Application and Matriculation



Who handles admissions? Where do I need to apply? What if my degree is not recognized by German universities? Answers to everything from application to admission.



Germany images




Study and Resarch hand to hand




At the German universities research and studying go hand in hand. From anthropology to zoology, students can study just about everything. At the university the primary goal is gaining and
increasing knowledge.


Resarch photo


Entry Requirements



The most important thing here is getting the right information and preferably when you are still in your home country and in plenty of time. Tips and advice about entry requirements and visas for foreign students

germany picture



Summer, Sun, and studies





Want to study in Germany? Maybe even for a couple of semesters? Students who are looking to stay awhile can find some pretty attractive offers at German Institutes of Higher Education called Summer Courses.

Germany galary



Temple University in Germany: Intensive German Language



A four week program of intensive German language instruction. Courses are taught at the Herder Institute of the University of Leipzig, a school with over 50 years of excellence in advancing German Language skills and teaching about German culture and civil .




Resarch




Your DAAD


Select your level of study below to see information tailored specifically for you from scholarships to upcoming events to special announcements.

I am:
an undergraduate
a graduate student
a doctoral degree student or postdoc
a faculty member
a DAAD fellow in the US or Canada
an international student not from the US or Canada
looking for program application forms

A thoroughly modern classic City




From Goethe to Schiller, from Liszt to Nietzsche, the classical city of Weimar has played a role in the arts, philosophy and politics. Its reputation continues on today as a cultural centre in Germany.





Universities in Germany

* Aachen University of Technology
* Berufsakademie Ravensburg
* Christian Albrechts University
* Dortmund University
* Dresden Technical University
* Ernst Moritz Arndt University Greifswald
* Europa University Viadrina Frankfurt
* Fachhochschule Fulda
* Fachhochschule Karlsruhe
* Fachhochschule Reutlingen, Hochschule Technik und Wirtschaft
* Frankfurt University
* Freie UniversityBerlin
* Friedrich Schiller University, Jena
* GISMA Business School
* Heinrich Heine University
* Humboldt University, Berlin
* Institut f. Semantische Informationsverarbeitung
* Institut fur Lasertechnik
* Johannes Gutenberg University, Mainz
* Julius Maximilians University, Wrzburg
* Katholische University
* Ludwig Maximilians University................

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Study in Uk

UK qualifications are recognised and respected throughout the world. Your UK qualification will be a solid foundation for building your future, boosting your career and prospects for a higher salary. UK universities, colleges and schools will provide a vibrant, creative and challenging environment in which to develop your potential. Quality standards for UK institutions are among the best in the world. Universities, colleges and schools continually have to prove that their courses meet strict criteria. Many other countries are now trying to follow the example of the UK.

In an increasingly globalised world economy, people need special skills and qualities to succeed. Employers want employees who can think effectively, creatively and for themselves. This is an essential part of the UK learning experience. Institutions use a variety of teaching and assessment methods to encourage independence, as well as mastery of the subject.



The Study in UK section of our Directory aims to provide useful information and assist students in choosing undergraduate and postgraduate programmes as well as further education and vocational courses offered by academic schools, colleges and universities in the United Kingdom.
Study in UK also includes a good section on selected schools offering MBA and Business Programs.

By studying in the United Kingdom you have the option of living in one of four separate countries with easy travel throughout the rest of the UK. Wales, Scotland, Northern Ireland and England all have their own rich history, diverse culture, and vibrant lifestyle. Give it a go and explore the vivid coastline of Wales, holiday at a castle in Scotland, learn the history of Northern Ireland and roam the villages in England. Discover for yourself what makes the UK the leading study abroad destination.

The entry profiles include: description of courses and schools, contact details, application procedures, admission requirements, cost of studies, scholarships, grants, degrees,qualifications awarded and other practical information.


Watch international students talk about their UK education

Experience the soundtrack to studying in the UK. See what students, alumni and professionals from around the world have to say about a UK education.








What is your subject?




Whatever your chosen field of interest Art and design, Business, Engineering and Law to name a few on our site you can find detailed information about each subject category to help you decide on.

Find out more about studying and living in the UK

There’s so much to see and do in the UK, and so much to prepare for. Our information on studying and living in the UK will equip you with everything you need to know before you leave, so when you...









Project your head - win an iPod Touch



Are you currently studying in the UK? Become a Projectorhead and create a video diary of your UK experience. You could win a prize worth up to £200 including an iPod touch.



Looking for a scholarship?

Are you looking for financial assistance to help fund your studies? If so, we’ve got a wide range of options for you. Read more information about scholarship
opportunities or try searching our...










UK immigration procedures



Did you know the British Government has streamlined its visa process in recent years to make it more user friendly for international students? We’ve pulled together the key facts on the UK...

Student Loans Company

The firm responsible for managing the student finance system is tightening its procedures for recovering debt as it writes off nearly £29m.

The Student Loans Company (SLC) has adopted new ways of tracking debtors' work and income status and chasing European students returning home.

The move comes as the public debt from student loans reached nearly £26bn. This is nearly double the debt it had at the end of 2005, six months before variable tuition fees were brought in. The introduction of the student finance package in 2006, under which students borrow indirectly from the government through the SLC to cover their tuition fees and maintenance costs, meant public debt increased significantly.

Students are now expected to graduate with total debts of about £23,000, a recent survey suggests. Write offs. A spokeswoman for the SLC said it regularly reviewed its processes and strengthened them where necessary. "There has been a tightening of processes in terms of recovery. As a business we are constantly reviewing and improving what we do."

She added: "The SLC has established new robust processes. Those staying in the UK are expected to obtain a National Insurance Number and make repayments through the UK tax system.
"But those borrowers who move will have repayments automatically scheduled if they fail to respond to SLC by next April. "This will enable default schedules to be set up, borrowers traced and, where appropriate, legal action will be taken."

Tax records

The steps are being taken as the SLC writes off or cancels £29m worth of public debt. This represents 2,500 student loans, 1,700 of which were written off or canceled as a result of death. However, the SLC is keen to point out that not all of these deaths occurred within the past year and that a backlog from previous years was cleared. Loans are written off when recovery is deemed unlikely by the loan administrator or not possible by legal judgment. They are canceled when the debtor is no longer duty-bound to repay. Students do not have to repay their loans until they earn at least £15,000 a year. The firm's own figures showed that 227,000 debtors still had their employment status to be determined.

The SLC says this group includes people who have changed jobs and are paying back their loans but waiting for their HMRC records to be updated, people who are unemployed but not on benefits and people who have gone back to study full time or part time.

Source: news.bbc.co.uk/2/hi/uk_news/education/8323160.stm

LOAN SHARKS

Nowadays, there are thousands of people in Wales are caught in a trap. They need money fast, but can't get a loan from a bank. And that's why one kind of lender is flourishing.

Loan sharks live in the heart of communities, lending money to anyone who needs it. But if you can't pay it back, that friendly face can suddenly become a lot more sinister.

Around a thousand loan sharks are operating in Wales, lending money illegally without a credit license. And they're not afraid to use violence or blackmail to get their cash back. Steven Hay who manages the Illegal Money Lending Unit which was set up to help the victims of loan sharks and bring the lenders to justice.

He said that Loan sharks are a very big problem in Welsh communities and there are many people who are getting a lot of calls from people in miserable situations, they are working on cases in more than half of the local authority areas in Wales. And they think from the calls that they are getting that the problem is increasing as a result of the current economic downturn. Loan sharks prey on the vulnerable, and they really do bleed them until there's nothing left

And if you borrow from a loan shark, they often won't tell you how much you'll have to pay back. and the interest rates can be crippling. For one recent victim of a North Wales loan shark it was 149,000 %. and the customers of loan sharks are often scared to speak out, in case of reprisals. B

'Carol' first went to a money lender several years ago. Her was on a low income she borrowed money for clothes for the children, food, electricity, gas and water bills. She met them through friends, who said they knew someone who'd lend me money. They didn't tell you how much interest she would pay. and I think they're a friend, I don't know any different. Carol borrowed a few hundred pounds but struggled to pay it back, so the loan shark lent her more money - and she was soon deep in debt.

She was paying £1,000 pounds a month. She didn't have any money left for herself. Then she borrowed more money off them again. She was paying them with her benefits and disability money. It was just hell because she had to make sure she paid them all the time.

The 24 hour loan shark hotline is run by a special team based in Cardiff. The Illegal Money Lending Unit was set up to track down and prosecute loan sharks - using information from the public. They also offer support to more than a hundred victims. "People are hesitant to come forward for a number of reasons," team manager Steven Hay explains. "They're ashamed, embarrassed, scared. There can be threats, there can be offers of sexual favours - it can get quite horrible.

The Illegal Money Lending Unit helps victims like 'Claire'- "I borrowed four or five hundred pounds", . "I was still paying them two years later, it never seemed to end. I'd ask them when it would finish and they'd just give me excuses." When Claire lost her job she found it difficult to meet the repayments.

"I didn't have enough", she explained. "I couldn't eat properly, couldn't clothe my children properly. If I couldn't pay, they threatened to beat me up in front of my children. If the door knocked I'd be petrified, I constantly had my phone by my side and I''d lock the windows and doors. I had no confidence, I was so scared."

Claire only borrowed a few hundred pounds - but she actually paid the loan shark almost £4,000. Each loan shark may have hundreds of customers, so their profits can be huge.

Steven Hay's team carries out surveillance, to catch illegal lenders in the act. Ten Welsh loan sharks are currently awaiting prosecution and there are twenty five other cases in the pipeline. The unit also tries to educate people who are potential targets for loan sharks.

We followed Steve when he met a basic skills group in Trowbridge, Cardiff to discuss the dangers. The women in the group were aware of loan sharks operating in the city. "I've been approached by a local store, myself and a friend, by a local shark. They approach you and in a matter of two hours you can have what you want off them," explained one woman. Another commented: "It spreads so quickly, with people saying I've got this money and suddenly you have a big group of people who are into the same problem."

So what are the alternatives to loan sharks? Credit unions can be a cheap way to borrow money. They are community based schemes aimed at helping those who can't access loans otherwise. But because members of the scheme usually have to save before they borrow, the desperate may turn to a loan shark instead.

Loan shark victims like Carol have lived in fear for years - and there have been times where it's all seemed too much. "They are bullies, they threaten you with their heavies, they said they'd burn my house down and they said if you don't pay I'll come looking for you and kill you. It's made me feel really low, I even cut my wrists over it. I thought if I'm dead they can't have any more money. The people who have helped me have been marvellous, if I didn't have them I would have killed myself."

Carol was given help and support from the Illegal Money Lending Unit, who advised her to stop paying as her loan was illegal and unenforceable. "We look to protect the victim all the way through to the court case and beyond, so we can arrest the loan shark which takes the problem away for a certain period of time, we can then look to have strict bail conditions so they don't live in the area where they are causing the fear, in extreme circumstances and when we feel it necessary we can rehouse people.

Claire's money worries are far from over, but in future she won't be turning to a loan shark. "I wish I'd never got involved in the beginning but you can't turn the clock back. It's not worth it. Even if they come across as nice, if you miss payments they'll threaten you and your family. But there is help out there."

If you need help, or you have any information about illegal money lending in your area, call the 24 hour loan shark hotline on 0300 123 3311.

Source: www.bbc.co.uk/wales/x-ray/sites/allarticles/updates/090624_loan_sharks.shtml

Loans for poor people

This article is from the website www.dangcongsan.vn. This site is for the Vietnamese, the country has many people who are living in the poor situation. And this article is about the loans that can help them to have the opportunities to over the poverty to have a better life.

Detailed regulations about interest rate assistance for loans for poor people and beneficiaries in the Vietnam Bank for Social Policy (VBSP) have been released by the State Bank of Vietnam on July 16th.

All customers borrowing capital from VBSP will be assisted with interest rates for short, middle and long-term loans disbursed from May 1st to December 31st, 2009. In particular, the maximum duration for the loans an with an assisted interest rate is 24 months, from the day they are disbursed with the deadline for assisted interest rate being December 31st, 2009.

With this action, those with interest rates of more than 4 % per annum will be assisted with 4 percent per annum, based on the outstanding loan balance and the original loan duration.

For those with interest rates of under 4 % or 4 %, the assisted interest rate is the total interest rate of the loan capital which is based on the outstanding loan balance and the original loan duration (the loan interest rate of 0 percent.)

Car Loans in UK

Nowadays, there are many people want to buy own car, but sometimes they can not afford for the new car or second hand car. And a new service of finance is Car Loan which can let someone borrow the money from them with the interest.

And car loans can either be secured or unsecured. Car loans in the UK are an important tool for buying a car. And people love to go for getting a loan and buying a car than paying the whole amount at once. At present, car loans in the UK have around 7.2% interest rate. The interest rates vary from secured loans to unsecured loans.

Secured car loans are the ones you take up against collateral. And this security loans also can be your house or any property which values 25 % more than that of the car. Usually, car loans are unsecured ones. For an unsecured car loan, you must have good credit history and banking record. It is easier for you to be accepted.

Accepting a car credit is the top company that forwards your car loan application to the banks. And the financial institutions can help you with the poor credit history and defaults in their banking record get through the process. The car seller will not sell cars nor does it arrange one, it only arranges the financing. Because this loan is secured on the car, not your home. It is very simple to apply for this loan. You can either apply online or call a toll free number in UK. Then, you can make an appointment with answering a few questions. You can just visit their local branch to choose the car which you like and then you bring in your old car for exchange as they offer credit for it. They have hundreds of used car at branches all over the UK.

The car finance institutions can help their customers get a car regardless of bad credit history. They will finances the car and even arranges one for you.

They also depend on your circumstances, to let you buy a car may not be a decision you can put off. Your only source of income may depend on your being able to commute to work. And you may just want to buy a different car.

Whatever the situation may be, you can utilize car loans easily and conveniently regardless of your credit history. Car financing provides you the ability to purchase a car even if you do not have all the money up front. As in any other loan, you have to be careful when getting a car financed. It is always advisable to thoroughly understand the terms and conditions.

You may read more at website:

www.loansnmortgages.co.uk

Short Term Loan

Short term loan for students:

In the studying process, students may have some problems with there finance. At this time, they need a help from parents, university... But one of helps is the short term program which is provided by the university.

Usually, the maximum amount available for students is $1500. Because it is the hep program for students, so no interest is assessed, unless the loan is not re-paid on time. And repayment is due with the final U-Bill of the term in which the loan was taken.

It is really good for students who want to borrow the money in the emergency cases, But not all of them can borrow, these are some conditions for them to apply this debt:

Eligibility Criteria

• Students can receive only one $1500 loan per semester.

• Students must be enrolled at the time the loan is applied for.

• Any previous loan must have been repaid on time ( if not they will have to pay the interest)

• Last, students must not owe any U-bill charges from a previous term.

When you are eligible with this loan program, I will tell you about the procedure to apply for it

• Go to the Financial Aid Office of you school and look for the application forms and instructions.
  

• You need to read and complete the application form and deposit it in the box.

• The loan will be applied to your account with the university. If the loan creates a credit balance in your account, then you can request a refund on the application form

• The maximum amount available is $1500.

Loan requests must be justified on the basis of an educational or educationally-related expense or living expense.

And you have to remember that the short-term loans are not available while classes are not in session.

Students have some choice in determining how and when the loan is repaid. All loans must be paid within one year or before graduation, whichever comes first final repayment must be scheduled before graduation.

PAYDAY LOAN

It is also known as the paycheck advance or the payday advance. This kind of loan is small, short-term. It is intended to cover a borrower's expenses until his/ her next payday. And the loans also refer to as the cash advances which term refers to cash provided against a prearranged line of credit such as a credit card. And the legislation of payday loans is varies widely between different countries and within country, between different cities.

The term of payday loan is often from 4 to 18 days, it depends on with your next payday, because this is specified by the lender. There are many payday loan lenders and affiliates of payday loan lenders who offer to clients the option of loan. It means that the loan is extended to the next payday are doubled. The larger and more reputable online lenders will allow you to roll over payday loans no more than one to two times.

A pay day loan has a small relationship with the unsecured loan, it is generally for $100 to $1,500, it is planned to satisfy your financial needs until your next payday. It means you write out a check for the advanced cash amount and add more the lender's fee, it will to be held until your next pay cheque.

This kind of loan has many advantages, because it can help you to get through a financial crisis that you might be going through.

The bank will never lend money if they are not sure that you are not capable of paying the loan back.
And the financial institutions will protect your personal and financial information according to the guidelines set be Consumer Credit and Data Protection Acts. They also keep the charges at the lowest level in the industry and they do not increase charges after the money has been loaned and guarantee there are no hidden extra payments.

They have many encourage programs for the customers to pay off the loan as soon as possible to avoid repeat loan deferrals.

I think with useful policies, you can find a suitable loan for you.

LONG TERM DEBT

Long term debt consolidation loans:

It is known as a great way to dig out of large amounts of debt. But this kind of loan may not be right for everyone. Now, there are many debt consolidation loans available. It is very important when you explore your options before deciding if a long-term or short-term loan is suitable for you.

The most advantage of long term debt consolidation loans is you will have the flexibility to spread large amounts of debt repayment out over many years. And you will pay interest costs on that money during the years which you pay off the loans. But usually this interest cost is much cheaper, if you keep the individual payoff amounts separate.

While the use of long-term debt allows you to buy whatever which may help you increase your net worth and they can also present a number of risks. If you are considering to take out your first long-term loan, or you re-evaluate your past choices. There are a number of important risks and mistakes to consider:

• The first is never paying it off. Because tt has become increasingly easy to refinance your existing debts into new ones. While this might lower your payment, it often also rolls the clock back to zero. Ad if you constantly refinance, you will never get a loan paid off and always be paying interest to someone else.

• The second is forgetting that it’s still a debt. Because since there are many conversation about the long-term debts such as mortgages, student loans, etc. It is being good debts, it would be easy to forget when they’re still loans that cost you interest. Even you take the loan with low interest rate, but you’re still sending money to someone else as opposed to investing or enjoying it.

• The third is not deducting the interest. Your interest is not often deductible, and you can be lower your tax bill by writing off your student loan and mortgage interest. When you take out a long-term loan but you fail to properly deduct the interest, you could be costing yourself thousands of dollars annually.

There are many risks of long term loan, but many people still choose the long term debt consolidation loans in conjunction with a home refinance or a home equity loan. Because they are see their advantages is more than risks. And these options can help to free up some cash in order to roll the higher interest accounts into a lower interest rate account. Many banks are more willing to come down the interest rates in these types of debt consolidation loans, because the house is used as a collateral for the loan.

If you are thinking about purchasing a house, you still have other long term debt consolidation options to choose from. Because the long-term options are personal loans which are given by a financial institution, and all of the smaller consumers debts are rolled into one larger loan.

If you have a smaller amount of debt and you can afford a higher monthly payment,you can apply for a short term loans. Because these short term loans will often allow you to pay less interest costs because you are able to pay off your debts more quickly.

But you need to remember that there are many debt consolidation options are available, but you must to determine the best debt relief program for you. There are also many companies online that are willing to offer free financial evaluations, and taking advantage of these free debt evaluations which may help you compare them side by side and decide on the best company.

Debt matters and 6 top tips for saving more money and solving your debt matters

Most people are not millionaire or billionaire, so most people have debt matter. But have you asked yourself why you have debt matters and How to solve debt matter? I worked hard over time but i still have problem with my finace. And i was in debt matter until i read the article

“6 top tips for saving more money and solving your debt matters” . I recognized we work hard that is not enough, we also need have plan on our finance.

I read on 1 blog about finance at : www.psyfitec.com and i agreed with these below concern that will make us have debt matters:

Borrow Wisely

If anyone was in any doubt about how much debt matters to individual stockmarket investors and their preferred investments, the events of the last few years should surely have convinced them otherwise. Debt is one of the most critical factors investors need to consider in making their investments, and it’s not just a matter of the corporate borrowings of companies but also of personal loans – from mortgages through to credit card payments.

The problem is that when times get tough for companies, and they have trouble refinancing their borrowings, this generally foreshadows private investors having the same difficulties. Get this wrong and you find yourself with increasing debt, decreasing income, sliding investments, relationship difficulties and under extreme psychological pressure to do exactly the wrong thing. None us should be in any doubt – debt matters.
Personal Debt and Stock Investments

Private investors really shouldn’t have personal debt while investing in the stockmarket. With, at best, an average annual return of 12% it really makes no sense to be paying double digit interest on hire purchase or credit card bills while putting money into stocks. It’s crazy and illogical behaviour – so, of course, there are plenty of people who do it.

The only type of debt it makes sense to run while investing in stocks is a lower interest mortgage. Buying a house isn’t something you can do in a couple of years and if you’re going to invest in stocks for the length of time it takes to have certainty of making money you’ve really got no choice but to take the risk that mortgage interest payments may outstrip your stockmarket returns during some of that time. Over the term of most mortgages it’s a certainty that this wiill be the case at some point.

Dealing with Debt

Investing for the worst case isn’t a sensible approach, because you may spend decades waiting for it, but assuming that good conditions will continue forever isn’t sensible either. Managing debt is a significant part of this process. It’s hard enough holding on to stocks when they go through one of their periodic loop-de-loops on the stockmarket rollercoaster but it’s far harder when you’re faced with trying to repay personal loans and wondering where your next pay check is coming from.

Time is the key for most of these issues. The critical thing is to avoid being a forced seller at the bottom of the market, even if you lose your job. There is nothing as psychologically soul-destroying as watching your stocks’ value being eroded day by day as markets fall – apart from watching them gain day by day after you’ve sold them.

6 top tips for saving more money and solving your debt matters

Don’t let debt matter happen to you; Getting the very most out of the money you have requires big picture thinking. With that in mind, here are six terrific long term strategies you can put into play right now to save yourself thousands of dollars per year. I read these below tip on site : www.debtmattersnews.com and i want to share it for you. I hope you can follow and solve your problem with debt soonest.

1. Reassess your home.

Get a reassessment of what your home is worth now, because it’s likely not worth nearly as much as it was a few years ago. And if you bought during the home buying frenzy of 2005-06, it may have lost 40% to 50% of its value. So get an accurate assessment of its current value on the books. Why? It could save you thousands in home insurance and taxes paid. A friend in West Chester, PA., bought her home at the peak of its sales history – and paid all of the taxes that came with it. I persuaded her to get a reassessment. As a result, she’s saving $5,000 in taxes a year.

2. Update your insurance.

Many people have one company that insures their home and another that insures their cars. Big mistake. You can save 10% or more in premium costs by having both with the same company. Just ask for a new rate quote to check out how much less you’ll pay.

Another point to consider is that it’s a good idea to increase your auto deductible to $1,000. Why? Because car insurance should cover only major damage, not scratches or dings. If you make a habit of claiming small stuff, you’ll see premiums rise dramatically or your insurer will drop you.

3. Diversify your savings.

If you are eligible for a company 401(k) or a similar retirement plan, contribute the maximum that your employer will match. Anything less is leaving money on the table. After that match amount, contribute nothing because tax rates are as low as can be right now. If you have extra money to invest, put it in a Roth IRA instead. Although your contributions are taxable income now, the Roth is great because your investment earnings can grow tax-free. If you’re investing in the long haul, not being subjected to the possibility of higher income taxes is a big plus.

4. Increase your exemptions.

Many folks are thrilled to get a $2,000 or $3,000 refund from the IRS each year. But think why you’re getting it: You’ve overpaid taxes and given Uncle Sam an interest-free loan! At the same time, many Americans are carrying huge credit card debt with interest rates of 8% to 32%. Reducing your tax refund from $3,000 to zero will effectively get you $250 a month to pay down that savings-robbing debt. You can reduce your tax refund by increasing your withholding allowances through your employer.

5. Say “no” to store cards.

With the holiday shopping season ahead, many retailers are now soliciting customers to sign up for a store card to save 10% on their purchases. So shoppers sign up and spend the entire credit limit−say, $500−just to save $50. But these store cards carry higher interest rates (like 21% or more) than standard cards. And guess what? The more store cards you have maxed out, the worse your credit rating will be, which means you’ll be charged more to borrow for a home, car or whatever you need.

6. Borrow wisely for college.

With the credit crisis, banks are less likely to give private student loans, so students are getting their parents to cosign. Keep in mind that interest on a private student loan is averaging 12% now according to Forbes. But a PLUS loan, which parents can take out in their own names, is fixed at only 8.5% interest. Also, if your child will enroll in college in the next five years, make sure your investments are in safe, fixed interest generating options, not in stocks.

9 good tips for Shopping for a Mortgage

I am mad at shopping and I want to share 9 good tips for Shopping for a Mortgage.

When you are shopping for a mortgage, there can be a great deal of angst and uncertainty because it can be a long and arduous process. Use the these below tips of this article to help you get through the process easily and smoothly. And i summary these good tips from many source sites like : debtmattersnews.com

1. Know what you can afford.

Review your monthly spending plan to estimate what you can afford to pay for a home, including the mortgage, property taxes, insurance, and monthly maintenance and utilities. Make sure you save for emergencies. Plan ahead to be sure you will be able to afford your monthly payments for several years. Check your credit report to make sure that the information in it is accurate. A higher credit score may help you get a lower interest rate on your mortgage.

2. Shop around--compare loans from lenders and brokers.

Shopping takes time and energy, but not shopping around can cost you thousands of dollars. You can get a mortgage loan from mortgage lenders or mortgage brokers. Brokers arrange mortgage loans with a lender rather than lend money directly. In other words, brokers sell you a loan from a lender. Neither lenders nor brokers have to find the best loan for you--to find the best loan, you have to do the shopping.

3. Understand loan prices and fees.

Many consumers accept the first loan offered and don't realize that they may be able to get a better loan. On any given day, lenders and brokers may offer different interest rates and fees to different consumers for the same loan, even when those consumers have the same loan qualifications. Keep in mind that lenders and brokers also consider the profit they receive if you agree to the terms of a loan with higher fees, higher points, or a higher interest rate. Shopping around is your best way to avoid more expensive loans.

4. Know the risks and benefits of loan options.

Mortgages have many features--some have fixed interest rates and some have adjustable rates; some have payment adjustments; on some you pay only the interest on the loan for a while and then you pay down the principal (the loan amount); some charge you a penalty for paying the loan off early; and some have a large payment due at the end of the loan (a balloon payment). Consider all mortgage features, the APR (annual percentage rate), and the settlement costs. Ask your lender to calculate how much your monthly payments could be a year from now, and 5 or 10 years from now. A mortgage shopping worksheet can help you identify the features of different loans. Mortgage calculators can help you compare payments and the equity you could build with different mortgage loans.

5. Get advice from trusted sources.

A mortgage loan is one of the most complex, most expensive financial commitments you will ever assume--it’s okay to ask for help. Talk with a trusted housing counselor or a real estate attorney that you hire to review your documents before you sign them. You can find a list of counseling resources on the U.S. Department of Housing and Urban Development's (HUD) website or by calling (800) 569-4287.

6. Shop around--compare loans from lenders and brokers.

Shopping takes time and energy, but not shopping around can cost you thousands of dollars. You can get a mortgage loan from mortgage lenders or mortgage brokers. Brokers arrange mortgage loans with a lender rather than lend money directly; in other words, brokers sell you a loan from a lender. Neither lenders nor brokers have to find the best loan for you--to find the best loan, you have to do the shopping. For more information on mortgage shopping, see : www.federalreserve.gov/pubs/mortgage/mortb_1.htm

7. Understand loan prices and fees.

Many consumers accept the first loan offered and don't realize that they may be able to get a better loan. On any given day, lenders and brokers may offer different interest rates and fees to different consumers for the same loan, even when those consumers have the same loan qualifications. Keep in mind that lenders and brokers also consider the profit they receive if you agree to the terms of a loan with higher fees, higher points, or a higher interest rate. Shopping around is your best way to avoid more expensive loans.

8. Know the risks and benefits of loan options.

Mortgages have many features--some have fixed interest rates and some have adjustable rates; some have payment adjustments; on some you pay only the interest on the loan for a while and then you pay down the principal (the loan amount); some charge you a penalty for paying the loan off early; and some have a large payment due at the end of the loan (a balloon payment). Consider all mortgage features, the APR (annual percentage rate), and the settlement costs. Ask your lender to calculate how much your monthly payments could be a year from now, and 5 or 10 years from now. A mortgage shopping worksheet (33 KB PDF) (you can see at : www.federalreserve.gov/pubs/mortgage/worksheet.pdf) can help you identify the features of different loans. Mortgage calculators can help you compare payments and the equity you could build with different mortgage loans.

9. Get advice from trusted sources.

A mortgage loan is one of the most complex, most expensive financial commitments you will ever assume--it’s okay to ask for help. Talk with a trusted housing counselor or a real estate attorney that you hire to review your documents before you sign them. You can find a list of counseling resources at NeighborWorks and on the U.S. Department of Housing and Urban Development's (HUD) website or by calling (800) 569-4287.