4gunners:
I want to take up loan for my Visa application. But from the approved transcript I've seeing so far, no one took loan. Is it advisable to use loan for the visa application? Pls, I need a a blunt answer as I do not have luxury of 59k to waste. Thanks.

I took a loan and my visa was granted. In my case, it showed on my I-20 that the funds was my personal fund. I f you don't mind, which school are you attending and who is the financier?

Felizz:


God will see me through bro ...am just been perplex on how to convince the VO

Bro better leave the school and look for another school, their are a lot of school in the states. The school wants to kee you, in fact they don’t even want you inside their school compound.

It will be very hard for you to convince the VO on such amount stated. Even if u convince the VO, how can u be able to pay such amount of money in a year??

Think about it

Felizz:


God will see me through bro ...am just been perplex on how to convince the VO

The fee is high but if I may ask, what's your course? Which university?

juliusdudu:


I took a loan and my visa was granted. In my case, it showed on my I-20 that the funds was my personal fund. I f you don't mind, which school are you attending and who is the financier?

Bro I send you a PM.. kindly reply.

juliusdudu:


The fee is high but if I may ask, what's your course? Which university?

Claremont Graduate University in California.
Masters in student affairs and Educational Justice

jossywayne:


Bro better leave the school and look for another school, their are a lot of school in the states. The school wants to kee you, in fact they don’t even want you inside their school compound.

It will be very hard for you to convince the VO on such amount stated. Even if u convince the VO, how can u be able to pay such amount of money in a year??

Think about it

i will surely see Research or Graduate assistantship when i get there

Felizz:


i will surely see Research or Graduate assistantship when i get there

Okay all the best to you, but wanna tell u the cost is a way too high.

Felizz:

Claremont Graduate University in California.
Masters in student affairs and Educational Justice

Sha don't come here to start crying.
Carry your cross since you're adamant.

California is not a place a person goes to without loaded pocket . Even with funding its crazy.
Its not even an IVY or a top school or a highly demanded program.

All the best convincing the VO of your intentions.

Felizz:

Claremont Graduate University in California.
Masters in student affairs and Educational Justice

I would have advised you to accept the offer if you were attending a top 20 university AND a very lucrative degree.

If you're from a wealthy background and you have no qualms financing this degree on your own, ignore the next things I want to say. But if you do not have significant financial resources to fund this degree and you intend to fund it with loans or side jobs, and with eyes on ROI, then read the following paragraphs.

With all due respect, your degree does not really command a very lucrative salary after graduation, except you get a job in a different field( which might affect your OPT and H1B process). In my opinion, the starting salaries for jobs with this degree do not justify the price tag you want to spend for it. Also, your university has ties with big brands like Harvey Mudd College. However, your school on its own does not command the brand, network and prestige of a top 20 US News ranked college. Hence, I won't pay such a huge fee for a degree there.

With these points of mine, I will advise you abort the plan and join a top 20 college AND a very lucrative degree if you want to pay this high for graduate school or you join one of the regular colleges and receive full financial aid if you just want to be comfortable with a decent job.

But if you're an OBO and the ROI is not important, go ahead with your interview and with bank statements from your parents (not uncle or aunt). You may be placed on AP, but if your bank statements are legit, you should get your visa without issues.

juliusdudu:


I took a loan and my visa was granted. In my case, it showed on my I-20 that the funds was my personal fund. I f you don't mind, which school are you attending and who is the financier?

Thanks for sharing this. I'm planning towards USF, and wants to take loan from Mpower.

JoeBazz:
Answer to How do I prepare for an F-1 Visa interview if I plan on paying my fee with an educational loan in the United States? by Jim Grupé https://www.quora.com/How-do-I-prepare-for-an-F-1-Visa-interview-if-I-plan-on-paying-my-fee-with-an-educational-loan-in-the-United-States/answer/Jim-Grup%C3%A9?ch=3&share=82a37e7e&srid=7XPCL

Thanks for sharing this.

4gunners:
Thanks for sharing this. I'm planning towards USF, and wants to take loan from Mpower.

Make sure you do proper calculations before taking loans.
- Expected salary after graduation for your degree and your experience
- Expected disposable income after graduation after tax deductions
- Expected loan repayment
- Expected interest rate for your loan
- Also, look at employment trends in your program either from the school website or from LinkedIn

Use a spreadsheet and crunch the numbers. If it shows good trends, then take the loan. If it shows negative trends, then wait for next year and go for more financial aid. I don't know how strong your quantitative skills is because a very comprehensive approach is performing sensitivity analysis on Excel and applying probabilities to some of the metrics. If you don't know about this, just use a normal logical approach.

I'm saying this because someone stated here a few weeks ago that he accepted loans without even knowing how much interest it accrues every month. That was in fact, the dum.best thing I've heard all year.

Please, make your calculations well and if the numbers don't add up, wait till next year. US no dey run.

bracelum:


Make sure you do proper calculations before taking loans.
- Expected salary after graduation for your degree and your experience
- Expected disposable income after graduation
- Expected loan repayment
- Expected interest rate for your loan
- Also, look at employment trends in your program either from the school website or from LinkedIn

Use a spreadsheet and crunch the numbers. If it shows good trends, then take the loan. If it shows negative trends, then wait for next year and go for more financial aid.

I'm saying this because someone stated here a few weeks ago that he accepted loans without even knowing how much interest it accrues every month. That was in fact, the dum.best thing I had heard all year.

Please, make your calculations well and if the numbers don't add up, wait till next year. US no dey run.

Thanks.

bracelum:


With these points of mine, I will advise you abort the plan and join a top 20 college AND a very lucrative degree if you want to pay this high for graduate school or you join one of the regular colleges and receive full financial aid if you just want to be comfortable with a decent job.

Mr. Top 20 schools, Just know that it's not everyone that has the right profile (GPA & Test scores) to get admitted in top schools. The way you tell people to join top schools as if its within their power gets me tired atimes, when some doesn't even have the right profile.

Felizz:


I just check it now 74k for one yr

Huh? What? $74k for one year?
SOS
Abort mission!
I repeat, Abort mission!!!
That is mad expensive. Plus it is in LA county which is also an expensive place in California. Housing will.be mad, plus transportation.
Don't depend on receiving a GA or TA on arrival cos it is difficult if you are not lucky to get it before arrival. It's mostly made available after the first semester.
Besides it's stipend which won't help much. And if you don't pay your fees then that's another wahala. Different schools have different rules.
Listen to what everyone is saying and don't make that terrible mistake.
Look for another school.

Johnkay101:


Mr. Top 20 schools, Just know that it's not everyone that has the right profile (GPA & Test scores) to get admitted in top schools. The way you tell people to join top schools as if its within their power gets me tired atimes, when some doesn't even have the right profile.

You don't go about spending $74k in a school if it is not an IVY.

If you're well versed, then you will know the full meaning of ROI.

If one can't get the right admission and funding , the best thing to do is wait.

Johnkay101:


Mr. Top 20 schools, Just know that it's not everyone that has the right profile (GPA & Test scores) to get admitted in top schools. The way you tell people to join top schools as if its within their power gets me tired atimes, when some doesn't even have the right profile.

Every candidate has the potential to join a top program irrespective of their GPAs. It all depends on your drive, perseverance, and ambition to push further and optimize the other parts of your profile to submit an awesome application. Those three qualities are rare and it isn't my fault if you don't cultivate them.

So, stop being bitter because I'm saying the truth.

Brown2Green:


You don't go about spending $74k in a school if it is not an IVY.

If you're well versed, then you will know the full meaning of ROI.

If one can't get the right admission and funding , the best thing to do is wait.

Leave the guy make he dey rant

Brown2Green:


You don't go about spending $74k in a school if it is not an IVY.

If you're well versed, then you will know the full meaning of ROI.

If one can't get the right admission and funding , the best thing to do is wait.

Seems you have problem with understanding. Where was I endorsing the guy to attend the school or spend 74k$ for that school?

I am just pointing out that not everyone can get admitted into a top school.

Next time before you jump in, read well.

bracelum:


Every candidate has the potential to join a top program irrespective of their GPAs. It all depends on your drive, perseverance, and ambition to push further and optimize the other parts of your profile to submit an awesome application. Those three qualities are rare and it isn't my fault if you don't cultivate them.

So, stop being bitter because I'm saying the truth.

Stfu. You just like to prove a point even when you are talking rubbish.

Every candidate has the right school for his or her profile. Not everyone will attend a top school. Before you advise someone to join a top school, try and know the person's profile. This your random advice on top school this and that irritates me.

Felizz:


God will see me through bro ...am just been perplex on how to convince the VO

Leave God out of this matter. If u have d money, go. If u don't have the money, find another program.

Spending 74k dollars on an MSc in student affairs and education justice...it just look like u want to abscond. But if u have the financial muscle, why not?

edeXede:
Please has Tamu processed i20 for anyone here?? It has been 2 weeks i submitted documents and I have not seen headlight. And someone told me he called international office, they said they will only start processing by june ending.

There are like 1million TAMUs , which one you talking about?

Johnkay101:


Stfu. You just like to prove a point even when you are talking rubbish.

Every candidate has the right school for his or her profile. Not everyone will attend a top school. Before you advise someone to join a top school, try and know the person's profile. This your random advice on top school this and that irritates me.

Hahaha

Dude, I have no time to discuss this with you. Keep feeling irritated - if the irritation gets too much, feel free to hug the nearest transformer.

Felizz:


God will see me through bro ...am just been perplex on how to convince the VO

I am a female .......

Spending that much on that school shows you havent really done your research to be honest. When that is not Havard , whyyyyyyyyyyyyyy would you spend that amount on a school that is not ivy league ? But a regular private school in Cali , to do a regular non competitive course. You can get something similar for significantly less. You always have to think about value for money .

dreambound:
There are many interview transcripts on this thread You just have to go pages back. From now till July 15 is more than enough for you to see at least 10 past transcripts from this thead.

Alright. Thanks

Johnkay101:


Stfu. You just like to prove a point even when you are talking rubbish.

Every candidate has the right school for his or her profile. Not everyone will attend a top school. Before you advise someone to join a top school, try and know the person's profile. This your random advice on top school this and that irritates me.

Mr know better, how is he talking rubbish? He gave advice in his own opinion, if you think you know better, then give your own advice in your own opinion and stop ranting on how other people's opinions irritates you.

Why would someone spend that much on school that is not an Ivy school? If you think you don't have a good profile to apply to a Top school then apply to a regular school but a good one that won't cost you that much.

That's what he's saying. He's saying the right thing and not rubbish.

Johnkay101:


Seems you have problem with understanding. Where was I endorsing the guy to attend the school or spend 74k$ for that school?

I am just pointing out that not everyone can get admitted into a top school.

Next time before you jump in, read well.

So what business has that statement with the matter on ground ?

I agree with you not everyone must go to a top school.

My own philosophy is, if I'm not going to a top school , I must go with funding from that school.

But your response came at a wrong time when a critical matter is being handled.

So calm those nerves of yours.

ProYouWebsiteUK:


Mr know better, how is he talking rubbish? He gave advice in his own opinion, if you think you know better, then give your own advice in your own opinion and stop ranting on how other people's opinions irritates you.

Why would someone spend that much on school that is not an Ivy school? If you think you don't have a good profile to apply to a Top school then apply to a regular school but a good one that won't cost you that much.

That's what he's saying. He's saying the right thing and not rubbish.

At the bolded, you have problem with understanding. I personally highlighted the top school part he mentioned and not the funding part. He can tell the fellow to change school and not everytime join top 20 school without knowing if the candidate has the right profile for top 20 schools. That was my point. Top school is not for everyone. Next time read to understand and don't be fast to speak.

Brown2Green:


So what business has that statement with the matter on ground ?

I agree with you not everyone must go to a top school.

My own philosophy is, if I'm not going to a top school , I must go with funding from that school.

But your response came at a wrong time when a critical matter is being handled.

So calm those nerves of yours.

There is no wrong time here when the fellow keeps bringing in top 20 school into every conversation. That's what I pointed out. The rest of advice he gave is good

Johnkay101:


Mr. Top 20 schools, Just know that it's not everyone that has the right profile (GPA & Test scores) to get admitted in top schools. The way you tell people to join top schools as if its within their power gets me tired atimes, when some doesn't even have the right profile.

did you read his post at all? That is the best True advice anyone could have given him. It’s like anytime you guys see “bracelum”, you don’t want to care what he has to say even if it makes sense.

This is a faceless forum but the way people are sensitive and won’t even acknowledge an advice especially when it comes from someone you all have tagged “outcast” is surprising. Your saving grace “advice” might just be in the mouth of the person you don’t like. People like this can’t have mentors. The question is, can people look beyond those flaws to get the treasures? If they can’t, then I doubt people like that can go very far.

Stop being too sensitive, it’s a faceless forum. Analyze things objectively. It would be for your own good.

P.S Read his post objectively.

Johnkay101:


There is no wrong time here when the fellow keeps bringing in top 20 school into every conversation. That's what I pointed out. The rest of advice he gave is good

Well let's hope the guy has gotten what was communicated. There is no bone of contention here as far as I'm concerned.

Johnkay101:


Stfu. You just like to prove a point even when you are talking rubbish.

Every candidate has the right school for his or her profile. Not everyone will attend a top school. Before you advise someone to join a top school, try and know the person's profile. This your random advice on top school this and that irritates me.

he advices on top school because of the money you want to spend because that is the only way the ROI would make sense especially for the course you want to study. My dear go and watch Dave Ramsey on YouTube and be humbled at how many Americans are on loan debt studying programs that has no clear ROI relative to the amount spent in getting that program.

It’s not rocket science. My advice would be to look for a cheap school and target GA if you are bent on studying this course.