Category: Study Abroad

Study in Poland for International Students 2021

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Poland must be on the list of study abroad destinations for international students. It has all the potential and opportunities for the students at affordable costs without compromising anything on the quality of education. You will find all the details here regarding Study in Poland for international students.

Study in Poland Guide for International Students

This guide will provide you with information on the Poland universities, top courses, scholarships, requirements of the admission process, etc. It will help you to choose what is best for you and show you the way you need to follow to reach your study abroad destination. Common let’s go..!!

Universities in Poland for International Students

Polish universities are affordable compared to the rest of Europe. You will also get plenty of university options in Poland to choose from. You will be surprised to know that 17 polish universities are listed in the top universities of the world by QS world university Rankings. Here we have mentioned the top 10 universities in Poland

  1. University of Warsaw
  2. Jagiellonian University
  3.  Warsaw University of Technology
  4.  Adam Mickiewicz University, Pozna?
  5.  AGH University of Science and Technology
  6. Cracow University of Technology (Politechnika Krakowska)
  7.  Gda?sk University of Technology
  8. Lodz University of Technology
  9. Nicolaus Copernicus University
  10.  Pozna? University of Technology

Explore the higher education institutions of Poland here: Universities in Poland

Top Courses for International Students to Study in Poland

Poland has several courses available for international students. You will be able to study in Poland, no matter from which stream you are. Some of the courses you can look forward to studying in Poland are mentioned below:

  • Medicine in Poland
  • MBA in Poland
  • Computer science and technology in Poland
  • Business and Management Courses in Poland
  • Economics Courses in Poland
  • International Relations Courses in Poland
  • Engineering Courses in Poland
  • Fashion Designing in Poland

How to apply for college in Poland For International Students

There is no common system for international students to apply to universities in Poland. The best way to apply is from the websites of the university. Here is the stepwise procedure you need to follow:

  • You need to choose a course and University in Poland to get started.
  • Next check the requirements and eligibility criteria of that course in the university.
  • You need to appear for the exams as required to get admission to the university.
  • Collect all the documents as mentioned on the website such as transcripts, certificate, SOP, etc. Requirements are mentioned in the next part of the article.
  • Fill the application form and apply online. Do not forget to submit the documents along with it.
  • You will soon receive the decision on your acceptance from the university if your profile is accepted.

For more details, you can check this: How to Apply to University in Poland?

What are the requirements to study in Poland

While applying for admission at the polish university, you need to submit some of the documents as evidence. Different universities and courses have different requirements. However, some of the common documents required are: 

  • Filled-in application form
  • 4 passport-size photographs
  • Copy of the Identification Document
  • Academic transcripts and certificates
  • CV with the details includes details on your qualifications and professional career
  • Two reference letters
  • Proof of English language proficiency
  • The medical certificate 
  • Proof of paying the admission fee

What exams are required to study in Poland

To obtain a seat at the university in Poland, you will have to appear for certain exams and submit the obtained scores at the university. Some exams are related to English proficiency and some are of aptitude. Here are few exams you may require to take:

  • GRE – Graduate Record Examination
  • GMAT – Graduate Management Admission Test
  • IELTS – International English Language Test
  • TOEFL – Test of English as a Foreign Language
  • SAT – Scholastic Assessment Test

Study in Poland for international Students scholarships

Poland offers plenty of scholarships to international students. It is available in the form of a government scholarship, university-specific scholarship, and other various foundations and private organisations. Here we have mentioned a few of them:

  • CEEPUS exchange programme
  • Eastern Partnership and Post-Soviet countries scholarships
  • Scholarships for citizens from developing countries 
  • Fulbright Programme
  • Visegrad Scholarship Programme

If you get the chance to study in Poland, do not miss it. This will be a lifetime memorable experience. You will surely get a successful life after obtaining a degree from a polish university.

Good Reasons to Study Abroad

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Studying abroad is beneficial for a number of reasons. Although studying abroad is an expensive endeavor but it is worth the cost. Apart from the right educational environment, faculty and resources, it offers great opportunity to explore the world. You got to see things that you probably have not done or watched it before, thus it enables you to correspond, negotiate, adjust and learn new things – a process that uplifts you academically, emotionally, personally and behaviorally.

While you raising up in a uni-culture state, you are absolutely unaware of multi-culturism and diversity. This would have impact on you, sooner or later, but sometime in life for sure.

Here are a few reasons to understand how studying abroad could benefit you largely:

Education:

One of the main reasons to study abroad is to experience new educational programs with newer faculties, resources and environments. Keep education as a centerpiece, there is a lot to be seen or done parallel to it. You take on new challenges and fulfilling them was never this tough, it’s a sign that you are out of your comfort zone and you’re ready to take on – break your cocoon layer!  You experience students from different cultural backgrounds and at one point you become tolerant of people’s likes and dislikes. This is how you start learning new forms of life along with your academic programs. Whether you are out for best MBA programs “Masters of business administration” or for any engineering field, you are exposed to countless opportunities to learn and grow together.

Meet the World:

Once you are out to study abroad, you are free to move. You easily get visas to neighboring countries to travel. Moreover, the university you get admitted have people from all across the globe. That’s how you begin to understand diversity and the freedom to follow your own.

Explore Multi-culturism:

In countries where people from different cultural backgrounds live, they tend to celebrate different festivities and celebrations to honor one another. A lot of Catholics celebrate Hanukah, whereas Jews also contribute to celebrate Halloween and Christmas. In short, you learn to respect other religions and their followers. Once you are out, you are out of your monochromatic channel, in fact, you’re out on a multi-chromatic platform. Be yourself!

Career Opportunities:

Whether you are out to attain a diploma or for a four years degree program, international universities take care of your future prospects. From internship to professional job placement, they ensure you’re not being underrated and this is how you get exposed to countless career opportunities. You can able to give an interview at different industry-trusted companies and given on suitable jobs to kick start your career. You can also be nominated by your college faculty for some of the top-notch positions. Last but not the least; you can work for on-campus jobs to make your pocket money.

Personal Development:

Studying abroad digs out that ‘independent –social animal’ in you. You understand that there’s nobody to spoon feed you, so you get on your toes to look for yourself, while realizing respect for others as well. You can explore new ways to adjust or pave up ways for your survival and in the meanwhile, you realize curiosity and excitement that you harbor within. In short, you find yourself!

Whether you are out for a short course or you are on a four years degree program, there are always new things to adapt to. Some of the popular programs are bachelors in cinematography, business, fine arts, psychology, and cryptography and so on. 

Summary:

This article advocates on why and how studying abroad benefits you largely. Read further to understand the reasons for it. No matter what culture or religion you belong to, studying abroad would make you learn to tolerate and be meaningful towards life.

Top Education Loan Providers in India to Study Abroad

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Although various scholarships and other financial aid alternatives exist for study abroad candidates, not all students become qualified for them. Subsequently, education loans are viewed as one of the important parts of the study abroad plan of a study. Education loans for studying abroad are given by all the significant banks in India. We present below names of some of the Top Education Loan Providers in India for study abroad candidates.

Top Education Loan Providers in India to Study Abroad

Name of Bank    Loan Amount Rate of Interest per Annum
State Bank of India 20 lakhs Upto 7.5 lakhs- 11.01%

Above 7.5 lakhs- 10.75%
Allahabad Bank 50 lakhs

Upto 4 lakhs- 11.45%

Upto 7.5 lakhs- 11.45%

Above 7.5 lakhs- 10.95%
Axis Bank 20 lakhs and beyond depending on requirement

Upto 4 lakhs- 16.50%

Upto 7.5 lakhs- 17.50%

Above 7.5 lakhs- 15.50%
HDFC Upto 10 lakhs

Max-15.25%

Min- 9.50%

Avg-12.41%
Credila No limit. Depends on requirement 12.10%+ floating rate(depends on the risks points of the applicant)
Punjab National Bank (PNB) 20 lakhs

Upto 7.5 lakhs- 11.25%

Above 7.5 lakhs- 11.85%

for education at premier foreign universities- 9.85%
IDBI Bank Depends on requirement

Upto 10 lakhs-10.45%

Above 10 lakhs-11.45%
Indian Overseas Bank (IOB) Upto 40 lakhs

Upto 4 lakhs- 11.50%

Upto 7.5 lakhs- 12.00%

Above 7.5 lakhs- 12.25%
State Bank of Mysore Upto 40 lakhs

Upto 4 lakhs- 12.20%

Upto 7.5 lakhs- 12.20%

Above 7.5 lakhs- 11.20%

Above 10 lakhs- 11.70%
Avanse Financial Services No limit. Depends on requirement 11.5%+ floating rate(depends on the risks points of the applicant)
Syndicate Bank 20 lakhs

Upto 4 lakhs- 11.00%

Upto 7.5 lakhs- 11.25%

Above 7.5 lakhs- 12.25%
Canara Bank 20 lakhs. Depends on requirement

Upto 4 lakhs- 11.15%

Upto 7.5 lakhs- 11.65%

Above 7.5 lakhs- 11.15%

Government of India

In consultation with Reserve Bank of India (RBI) and Indian Bankers’ Association (IBA), the Government of India has framed a Comprehensive Educational Loan Scheme. The new plan covers all type of courses, including professional courses in schools and colleges in India and abroad.

The salient features of the scheme related to study abroad are:

  • The scheme envisages loans up to Rs. 15 lacs for studies abroad.
  • For loans up to Rs. 4 lacs, no security or margin is required and the interest rate is not to exceed the Prime Lending Rates (PLR). For loans above Rs. 4 lacs, the loan cost won’t exceed PLR plus 1 percent.
  • The loans are to be paid over a time of 5 to 7 years with provision of grace time of one year after completion of studies.

State Bank of India

The State Bank of India gives the SBI Student Loan proposal for Indian nationals to pursue their education abroad. The education loan for studying abroad is given work oriented professional, specialized Graduation Degree courses, or Post Graduation Degree and Diploma courses like MCA, MBA, MS, etc offered by reputed colleges.

For studying abroad, the maximum loan of the amount given is Rs. 30 lacs and the repayment will start one year after finishing of course or 6 months after securing a job, whichever is prior. The repayment time frame differs from 10 years to 12 years depends upon the loan amount.

Allahabad Bank

Some other Top Education Loan Providers in India to study abroad on similar terms as that of Allahabad Bank Education Loan are:

  • ICICI BANK
  • Union Bank of India
  • J & K Bank
  • Bank of Maharashtra
  • Bank of Baroda
  • Central Bank of India
  • Bank of India

The Allahabad Bank gives education loans to Indian residents who confirm admission to professional or specialized courses in standard foundations abroad through entrance test or merit based selection process after finishing of HSC. The study abroad courses competent for the Allahabad Bank Education Loan are:

  • Graduation: For Job oriented professional or specialized courses offered by reputed colleges
  • Post Graduation: MCA, MBA, MS etc
  • Courses held by CIMA London, CPA in USA etc
  • Regular Degree or Diploma courses like Shipping Authority, Local Aviation, State Body, the establishment appropriately perceived by the equipped college, shipping and so on, pilot preparing, or aeronautical. The quantum of loan given is need based subject to repaying limit of the guardians or students with a ceiling of Rs. 20 lacs.

Axis BANK

HDFC Bank

The features of the HDFC Bank Education Loan for Foreign Education are:

  • Education loans up to Rs. 20 lacs and unsecured lending up to Rs. 7.5 lacs are provided.
  • No collateral is required for loans up to Rs. 7.5 lacs.
  • The maximum repayment tenure is up to 15 years post moratorium period.

Axis Bank’s Education Loan expects to give economic support to justifiable students for pursuing higher professional or specialized education in India and abroad. The education loan is given to students who have obtain admission to career oriented courses e.g. engineering, management, medicine and etc., either at the graduate or post-graduate level.

The quantum of fund under the Axis Bank Education Loan proposal is capped at Rs 20 lacs for studies abroad, which would include cost of books, tuition fees, hostel charges etc. The minimum amount of education loan is Rs 50,000. There is no edge for education loans up to Rs 4 lacs, and for loans above Rs 4 lacs there is 15% margin for studies abroad.

Credila

Credila is a non bank finance company concentrated on education loans. It is a subdidary of HDFC Ltd.

Punjab National Bank (PNB)

The PNB offers the PNB Saraswati scheme for giving education loan to meritorious students to pursue higher education and technical education in India and abroad.

The real pointers of the PNB education loan scheme are:

Courses approved:

Quantum of Finance: up to 20 lacs

Graduation: For work oriented professional or specialized courses offered by reputed colleges.

Post graduation: MCA, MBA, MS, etc.

Courses directed by CIMA – London, CPA in USA etc.

Degree or Diploma courses like shipping, pilot training, aeronautical etc gave these are standard by proficient regulatory bodies abroad with a view of work in India or abroad.

Repayment period: up to 10 years for loans of Rs. 7.50 lacs or below and up to 15 years for loan above Rs. 7.50 lacs

Edge of 15% for credit above Rs. 4 lacs

IDBI Bank

IDBI Bank offers education loan to justifiable students for pursuing higher education in India and abroad. The facility is also being presented to the estimable students who have reserved admission through Management Quota.

The quantum of fund is a maximum of Rs. 20 lacs for studying abroad. The repayment time frame is from 10 to 15 years. Find below the IDBI Bank education loan Rate of Interest table.

Loan Amount Rate  of Interest
Loans qualifying as Priority Sector Lending(PSL) :

Up to Rs. 20 lacs for studies Abroad

 BR+1% (currently 11.25%)

(Floating)
Loan amounts not qualifying as Priority Sector Lending(PSL) :

Above Rs. 20 lacs for studies abroad

 BR+2% (currently 12.25%)

(Floating)

Education Loan by IDBI Bank:

  • Fee payable to college / school / hostel
  • Examination / Library / Laboratory fee
  • Purchase of books / equipments / instruments / uniforms
  • Caution deposit / building fund / refundable deposit supported by Institution bills / receipts
  • Travel costs / passage money for studies abroad
  • Obtain computers – essential for completion of the course
  • Any other cost required to complete the course – like study tours, project work, thesis, etc.
  • Insurance premium for student borrower, if insurance cover sought

HSBC India

Given below is a list of few other Education Loan Providers in India to study abroad.

  • Cosmos Bank
  • Lakshmi Vilas Bank
  • DCB Bank
  • Abhyudaya Co-Operative Bank Ltd
  • Karur Vysya Bank
  • Vijaya Bank
  • United Bank of India
  • State Bank of Hyderabad
  • Indian Bank
  • Andhra Bank
  • Punjab & Sind Bank
  • Oriental Bank of Commerce
  • Tamilnad Mercantile Bank

HSBC, in association with Global Student Loan Corporation, offers education loan to students who are looking to achieve a world-class education at a school or college in the USA. HSBC India Student Education Loan Program empowers students to borrow funds to cover the expense of education – educational cost-tuition, fees, room charges, boarding, books, and other education related costs.

Some of the exceptional elements of the HSBC education loan to study abroad offered are that up to Rs. 1 crore is given against private property and the residency is up to 15 years.

Indian Overseas Bank (IOB)

The IOB gives education loans to Indian nationals who have secured admission to proficient or specialized courses abroad. The loan is offered just for Graduation and Post Graduation Courses offered by reputed colleges. The quantum of credit accessible is dependent upon Rs. 40 lacs for studying abroad. The repayment time frame is for a most extreme time of 5 – 7 years excluding holiday time of six months after getting the job or 12 months after finishing of the course, whichever is prior.

State Bank of Mysore

The State Bank of Mysore’s Gnanamitra Educational Loan scheme gives loans to students to cover educational cost and different fees, maintenance expenses, or books and equipment and cost of section for studies abroad etc., to pursuing studies at recognized college, college or establishment. The courses qualified for the loan are diploma, graduate, post-graduate courses in the faculties of Engineering, Technology, Architecture, Medicine, Dental Science, Agricultural Science, Veterinary Science and Computer Certificate courses of reputed foundations authorize to department of electronics or affliated to college. The maximum amount of loan given is Rs. 20 lacs.

Avanse Financial Services

Avanse gives education loans to Indian citizens over 18 years old for seeking after graduation or post-graduation for work oriented professional or technical courses offered by reputed colleges outside India and additionally courses and colleges confirmed by Avanse for education financing. With a minimum amount criterion of Rs. 1 lacs, there is no maximum limit and the loan amount is calculated according to need. The repayment time frame can be 12 to 120 months depending upon the loan amount.

Syndicate Bank

The Syndicate Bank’s extensive Education Loan Scheme, SyndVidya, gives need based fund to cover costs related to education, for example, fees payable to college, hostel, examination, library, research centre expenses, caution deposit, building fund, or refundable deposit up to 10% of equipement, cost of books,, tuition fees, travel costs for studies abroad etc. Just capitation fees, donation or external coaching expense are not included. The loan scheme has a maximum limit of Rs.20 lacs for abroad courses. The repayment time frame is five to seven years. The study abroad courses qualified for the SyndVidya scheme are:

  • Graduation: for work oriented professional or specialized courses offered by well-known colleges
  • Post-graduation: MCA, MBA, MS etc
  • Courses directed by CIMA-London, CPA in USA etc

Canara Bank

The Canara Bank offers education loans to study abroad for work oriented, specialized or professional graduation and post-graduation courses. The quantum of fund is dependent upon Rs. 20 lacs and the repayment time frame is up to 10 or 15 years relying upon the loan amount.