Finance Your MS in the USA: Guide to Unlocking Your Educational Dream!

Finance Your MS in the US: Guide to Unlocking Your Dream!

An education loan covers the cost of tuition, living costs, insurance, and other incidentals. Given the wide variety of choices available today, finding the best deal to finance your MS in the US is possible. In fact, taking an education loan is a smart move, as you don’t need to break into your savings while taking advantage of tax benefits.

Eligibility

Students pursuing full-time higher education, graduate or postgraduate studies, and professional education, irrespective of age, can borrow the required funds to finance their MS in the US. Most loan providers require that students show proof of admission to the graduate or postgraduate program. However, some private institutions and cooperative banks sanction a loan even before getting admission.

Tax Benefits of Financing Your Education

Tax Benefits of Financing Your Education

People with sufficient funds are also advised to take a loan to finance their education since they get tax deductions under Sec 80E of the Income Tax Act. There is no limit for Section 80E exemption up to which you can claim the deduction. All interest paid in a financial year is tax deductible, regardless of the sum. The interest component of the education loan can be claimed under Section 80E just as deductions under Section 80C and Section 80D are claimed before arriving at your total income to calculate the tax liability. However, it is important to note that you can claim a tax deduction only for the interest portion. You cannot claim a tax deduction for the principal part of the EMI.

You will be eligible to claim a deduction under section 80E only if you take the loan from any bank/financial institution or any approved charitable institution. Loans from friends or relatives for higher education do not qualify for this deduction.

Loan Amount and Repayment

Finance Your MS in the US: Loan Amount and Repayment

I-20 or Admission Letter mentions the total cost of education for one year. Students can get a loan for up to double the amount mentioned on the I-20. Depending on the loan provider, there are slight variations regarding the application process, documentation, interest rates, guarantees, etc. Students are not expected to pay any EMI for the first two years. (Some loan providers may demand interest during these two years.) Generally, loan repayments begin one year after the end of your course or six months after you secure your first job, whichever is earlier. Most lenders also allow for additional time in case the student is unable to finish the course on schedule. Loan repayments are spread over 10-15 years to ensure that you are able to comfortably finance your MS in the US and include options for early repayment.

Rate of Interest and Margin Money

Rate of Interest and Margin Money when Financing Your Education

Most Nationalized banks and financial institutions offer fixed or floating interest rates in the range of 9-12%. Girls generally get a 0.5% concession from banks.

There is also the all-important factor of “margin money”! What this means is that most lenders will not loan you the entire cost of education – they also expect you to pay part of it. In other words, if, for example, your education cost is Rs. 40 lakhs in all, and there is a margin of 10%, then the bank will lend you Rs. 36 lakhs, and you will have to put up the remaining Rs. 4 lakhs. The idea is to ensure the loan seeker can bring money in and demonstrate responsibility. However, not all lending institutions insist on margin money; for example, loans from HDFC CREDILA do not need a margin.

Guarantors & Collateral

Guarantors & Collateral

A guarantor is a third party (different from the applicant) who agrees to repay the loan if the borrower can’t. Besides this undertaking, lenders also request collateral in the form of fixed deposit receipts, property, or other security. They keep this collateral in their possession until you repay the loan. Banks or lenders do this to safeguard themselves against a bad debt. The lender may waive the guarantee if the borrower’s previous repayment track record or financial history is very sound.

If payments are defaulted on, i.e., not made on time, the loan contract has provisions for penalties/late payment fees. Besides, defaulters also risk being ‘redlisted’, which severely limits their future credit options. However, most bankers or institutions are receptive to negotiation and allow for extensions on payment tenure or reduction of EMIs in case of genuine difficulties.

So, look around and see your options! A good loan deal can be a big asset in helping you finance your dream of an American education.

As India’s leading Study Abroad Consultant, Dilip Oak’s Academy offers a comprehensive suite of services, including GRE, TOEFL, and IELTS coaching, as well as GRE Self Prep. Furthermore, our admission counseling services can guide you through the entire process from Shortlisting Universities to Visa Counseling. With our expertise, we have successfully sent 32,000 students to various prestigious American universities like MIT, Stanford, Cornell, and Carnegie Mellon. To enroll in our comprehensive overseas education consultancy services, book a free consultation or call us at 91-20-67444222.

Should I take a Computer-based or a Pen-Paper-based IELTS?

                 

The International English Language Testing System is an English language proficiency test one has to take if one wants to study, work or immigrate to English-speaking countries. For a long time, IELTS was a paper-based test. However, recently, IELTS has offered students a choice of taking the test in computer-based mode [CBT] or paper-based mode [PBT]. Choosing the suitable mode of examination is no mean feat here!

The test format is the same, you get the same sections, the same question types, the same difficulty level, and the same time per section with the same evaluation and marking scheme. The Speaking section, conducted face-to-face, often on different dates, is the SAME for both PBT and CBT. The main differences between CBT and PBT can be seen in the Listening, Reading, and Writing modules, which are discussed in detail below:

Modules

      Pen-Paper based 

        Computer-based

Listening

  • At the end of the listening section, you get 10 minutes to transfer your answers from the question booklet to the answer sheet.
  • You have to write down answers on the answer sheet using a pen/pencil.
  • In the end, you only get 2 minutes to review your answers.
  • Some questions need you to type your answers in the text box, others need you to drag words from one place to another, and others require you to select boxes.

Reading 

  • You need to flip the pages back and forth to locate answers which can be time-consuming.
  • You can underline specific sentences or words you might want to return to using a pen or pencil.
  • When writing your answers in the answer sheet, you have to ensure that you check for spelling or grammatical mistakes
  • Those with problems reading small font sizes might find the paper-based test a little challenging
  • You can see the passage in the left panel as you continue answering questions in the right panel.
  • You can highlight any part of the text you want by selecting the text, right-clicking on it and choosing ‘highlight’.
  • You can copy-paste from the text using CTRL+C and CTRL+V which reduces the chances of spelling errors. 
  • You can increase the font size, so you do not need to strain to read.

Writing 

  • You have to write the essay/report/letter with a pen or pencil. So, if you are one of those who finds writing on paper more challenging than typing, you might prefer to choose CBT.
  • You need to count the words by yourself.
  • You can write the essay with a pencil to proofread later by using an eraser which consumes some time.
  • You need to have legible handwriting. If a word is difficult to read, it is likely to be marked as a spelling error.
  • Your typing speed must be adequate.
  • You can see the word count at the bottom of the screen
  • You can easily cut, copy and paste an entire sentence. You are also provided with a pen and paper to plan your essay.
  • You do not have to worry about your handwriting.

Speaking 

                    Same

                Same

Other differences between the two test formats:

              Pen-Paper based

                Computer-based

4 slots in a month

90 slots in a month 

Results in 12-13 days

Results in 3-5 days 

Test centers are less crowded

Test centers may be more crowded

Noise because of typing during the writing section can get distracting

While choosing the most appropriate mode of the exam, we recommend that you keep in mind your application deadlines. In addition, find out your comfort level by checking the sample of the CD-IELTS on the IDP website to know the Page Look and feel of the CBT exam. Similarly, you can try out a paper-based test to eventually decide which mode to choose.

 

At Dilip Oak’s Academy, we provide detailed guidance on these processes under our Admission Counseling Services  that include, selection of universities, documentation process and visa counselling along with mock visa interviews. As India’s leading Study Abroad Consultants, we have helped more than 30,000 students to secure their dream-admits for various universities in America including MIT, Stanford, Cornell, Carnegie Mellon and other top-ranked universities.
We also offer GRE, TOEFL, and IELTS coaching, GRE Self Prep and guide students with university selection, application essays, and visa counseling under our Admission Counseling Services for USA, Germany and UK. To enroll, call us on 91-020-67444222, 91-8007878495.

Education Loans: Everything you need to know

After applying successfully for the Fall 2023 intake of your dream American university, many of you might be busy planning to arrange the finances for the program, right? Applying for a student loan is one such popular option preferred by many students and their parents. However, it is necessary to have the right advice before making a choice. 

This article is aimed to give you a broad overview of the student loan process and will also answer many of your queries about the same. So, let’s get started! 

What is an education loan?

An education loan is funds borrowed from a bank or a financial institution to cover the cost of tuition fees, allied expenses such as living and insurance costs.

Who is eligible for an education loan?

The eligibility for availing loan is determined by each bank/ institution independently, and several variations can be seen in them. However, the common requirements are as below:

  • The applicant and co-applicant should be citizens of India over 18 years of age
  • The student should have secured a minimum of 50% marks in HSC, and a bachelor’s degree
  • The student should have a confirmed admission from an overseas university (if applicable)  
  • The co-applicant should have a regular source of income 

What is the maximum amount of loan one can avail of?

There is no straightforward answer to this question, as it depends on many factors. But, many institutions offer loans with no upper limit if the collateral is provided. In the case of unsecured loans, usually, the upper limit would be around 45 to 50 lakhs.   

What are the applicable interest rates on education loans?

Various institutions, including public and private sector banks, offer a range of choices to students aspiring for education loans. Most of these loan schemes have a floating rate of interest calculated based on the repo rate and a spread decided by the respective institution. The interest rates are generally seen to move from  9.55% to 13%.  In addition,  a few nationalized banks also offer a concession of 0.5% for women students. However, please note that every institution has a different schedule for revising the rates; , it is advised to consult the representatives of such organizations to find out the exact cost of the loan. 

What is the tenure of a student loan? 

Education loan is generally offered for a period ranging from 10 to 14 years. 

How much time is required for the processing of an education loan?

Under normal conditions, student loans are processed in 15 to 25 days.

How to repay an education loan?

The terms of repayment of an education loan vary from bank to bank, and it is difficult to generalize them. But, as a common practice, a grace period of 6 to 12 months is provided after completion of the program.        

Documents required for applying for an education loan:

  1. Duly filled application form
  2. Passport-sized photographs of the applicant and the co-applicant
  3. Photo ID: PAN/ Passport/ Driving License/ Aadhaar / Voter ID of the applicant and co-applicant
  4. Residence proof: Passport / Driving License/ Aadhaar / Voter ID of the applicant and co-applicant
  5. Academic documents:
  • HSC Mark sheet           
  • Mark sheet of subsequent years of graduation
  • Mark sheet of entrance exams like GRE, IELTS, TOEFL etc. 
  • Scholarship documents (if applicable) 
  1. Proof of admission: Printed admission letter from the college or university (if applicable) 
  2. Bank statements of co-applicant: Usually statements of the last 8 to 12 months 
  3. Income proof of co-applicant:
    • For a salaried person:
      • The last  three  salary slips
      • Form 16 of the last two years
    • For a self-employed person:
      • Income Tax returns of the last two years
      • Financial statements of the last two years certified by CA
      • Proof of office (Lease deed, a Title deed, Utility bill etc.) 
  4. Collateral documents:
    • Property title deed
    • 7 / 12 extracts in case of land
    • Registered sale agreement etc.

The list shown above is representative only. The requirements may vary depending on the financial institution under consideration. Thus, it is always better to cross-check the requirements from the authorized representative of the concerned organization.

Additional Information:

Can I apply for a loan even if my admission is yet to be confirmed? 

Fortunately, the answer to this question is yes! Almost all banks accept loan applications even if admission to a university still needs to be confirmed or is in process. In such a case, the application is assessed based on the overall student profile, including academic performance and other criteria, such as the credit profile of the co-applicant. The bank may also approve the loan by issuing a sanction letter with the condition that the admission must be confirmed before its disbursal. 

Is there any tax benefit on availing of student loans? 

Yes. Under section 80E of the Income Tax Act of India 1961, an individual can claim a tax deduction on the interest paid on such loans. The maximum deduction that one can obtain is Rs. 40,000.

What is acceptable as collateral?

Collateral acceptable is either a movable asset or an immovable property. Financial assets such as fixed deposits in the respective bank are acceptable in the former category. The latter category of immovable property includes a flat, a house or a plot of non-agriculture land.

I hope this clears most of your doubts about education loans. I wish you all the very best! 

FAQs on F1 Visa appointments for Fall 2022

To help you get a fair idea of the current scenario regarding the F1 visa appointments, below are a few important and frequently asked questions and their responses as per the recent update from the US Embassy.

1) When will appointments for F1 visas begin for fall 2022 applicants?

F1 appointments for fresh applicants will most probably start from 17th May. Initially, they will open appointments till the end of June. This year, they will accommodate all the students intending to apply for an F1 visa for fall 2022. Therefore, students are requested to not panic and apply for the interview date only after they receive the I-20 from the desired university.  Also, we suggest that you take the visa appointment in Mumbai rather than in Delhi or Chennai.

2) If my visa was rejected the first time, when can I apply for the interview next?

They will most probably give a second chance to rejected applicants between 15th August to 1st September.

3) If I have any other US visa (B1/B2/H1/H4/L1/L2) which has expired, can I still get a drop box facility for an F1 visa?

Yes, you can, provided your visa expired not more than 4 years ago.

4) If I apply for the F1 visa through drop box, how long will it take to receive my passport?

You are likely to receive your passport within 7 working days.

5) Can I make changes to the already submitted DS-160?

Yes, you can make all the necessary corrections including the name of the university.

6) Do I need to show the same financial documents for the visa interview which I submitted during the application process?

 No, your documents cannot be the same. For visa interview, you mainly need to carry the latest documents including bank statement, fixed deposit receipts, loan sanction letter etc.

7) What are the vaccination requirements before landing in America?

As per the CDC regulation, you need to be double vaccinated and you are required to take the RT-PCR 24 hours before boarding the flight.

For further guidance related to :

  • filling the DS-160 form
  • payment of visa fees
  • scheduling/changing visa appointments
  • document verification

You can enroll for our visa counseling services and also avail of a mock visa interview appointment with Mr. Dilip Oak. To enroll, call us on 020-67444222 or email us at support@dilipoakacademy.com.

Advantages of Pursuing a Master’s Degree in Germany

Here are top five reasons to pursue a Masters in Germany:

1. No tuition fees: The greatest advantage of pursuing your Masters in Germany is that international students do not have to pay tuition fees since higher education in Germany is mostly funded by the state government. However, some universities charge a nominal semester fee and a small number private universities charge a tuition fee which is nevertheless very low compared to those charged by other countries.  

2. Industry-based specializations: Germany offers degree programs in very specialized fields such as Mechatronics, Commercial Vehicle Technology and, Advanced Signal Processing that are designed in keeping with industry trends. This increases your chances of getting high-paid jobs across diverse sectors. 

3. Quality education and internationally recognized degrees: German universities are known for their world-class education in terms of the advanced infrastructure, updated curricula and quality scientific research that they offer. A majority of these universities have affiliations with industry which helps students get internships and job opportunities after completing their courses in Germany as well as other countries in the European Union.  

4. Low living costs: Compared to other European countries, living costs in Germany are very low. Students also get concessions for housing and public transport.

5. Job opportunities: Germany offers a large number of jobs in technical fields and in Information Technology. After completing their Master’s degree, students can extend their visa for up to 18 months to find a job. They can also take up paid internships while studying. Indian students can also take up the on- and off-campus jobs for 150 full days or 240 half days. As mentioned above, students can also get good jobs in the European Union.

To help you get started with your preparation, we offer GRE Coaching, TOEFL Coaching, IELTS Coaching, and also Admission Counseling through which we provide guidance on the selection of universities, application essays, and visa counseling. 

Eligibility Requirements for Master’s Programs in Germany

1. Academic credentials

A majority of German universities require you to have completed 16 years of formal education (i.e. 12+4), i.e. a four-year Bachelor’s degree before going for MS. This is applicable to all students with a technical background in Engineering, Pharmacy, Architecture, and so on. For other fields like Arts, Management, and Computer Science, students are required to complete 17 years of education (i.e. 12+3+2).

German universities have a very high cut-off percentage. Hence, you need to have a minimum of 70% to 75% in your degree course or an equivalent CGPA of 7.5 to 8.5.

If you are planning to pursue an MS in Business Management, Finance, and Business Analytics, you are required to have relevant work experience of a minimum of 1 to 3 years.

2. Qualifying examinations

TOEFL or IELTS: English Language Proficiency Test scores are mandatory for programs taught in English. A minimum band score of 6.5 to 7 in IELTS or a score of 85+ in TOEFL is required by a majority of German universities. At Dilip Oaks Academy, we offer TOEFL and  IELTS coaching along with rigorous practice sessions and mock tests. (hyperlink underlined words)

GRE: a majority of German universities do not require GRE scores. However, some of the top universities, known as TU-9 universities, do require a GRE score. We recommend that you take the GRE if you aim to get into one of the TU-9 universities. Our  GRE Coaching will enable you to thoroughly prepare for the GRE. (hyperlink underlined words)

German Language: Some programs taught in English may require German Language proficiency certified up to the A1 or A2 level. Some universities may even require proficiency certified up to the B1 level.

We also offer Admission Counseling through which we provide guidance on the selection of universities, application essays, and visa counseling. 

The Art and Science of Drafting your Statement of Purpose

Drafting your Statement of Purpose should be considered to be, essentially, a communication exercise, which you ought to take very seriously. Why do we say this? Well, for two reasons: first, going forward, there will be many such situations in which you may have to interact with others by means of the written word. And second, subject-matter knowledge is not enough. You would need to find an effective way to communicate your message so as to evoke the desired response from its target reader(s).

Below are a few tips to draft a decent SoP:

  • Cover all important points: make sure you mention your academic accomplishments and major achievements, if any, along with papers presented, seminars and workshops attended, projects undertaken, and internship experience you have had, in their order of importance.
  • Highlight your soft skills: exhibiting good communication skills will enhance the impact of your academic performance and may even prove to be decisive if you happen to be tied with another applicant for admission whose academic performance is identical or equal to yours.
  • Avoid clichés: As far as possible, avoid words like “team player”, “leadership qualities”, etc. Try and find better ways to showcase such qualities or accomplishments. For instance, you may mention how effectively you worked with others in a close-knit team to successfully complete your project in a timely manner.
  • Keep it simple: It’s a rough draft. The beautification of language can come later as your suggested draft takes on a more sophisticated shape.
  • Start early: Some people tend to put things off until the last moment. On the other hand, starting early will give you more time to reflect on what you intend to include in your SoP. It will also minimize the risk of inadvertently leaving things out, enabling you to present a comprehensive narrative and present a strong case for your candidature.
  • Get help from experts: There are experts around who can help you draft an attractive Statement of Purpose thereby increasing your chances of getting admitted to the university of your choice. So, avail of their expertise and ensure that your SoP is a winner.

7 Compelling Reasons to Learn German

 question sprechen sie deutsch? do you speak german?

When we think of Germany, the first things that pop up in our mind are cars like BMW, Mercedes and Volkswagen, German Bakery (although there is no connection!!) and the avid readers think of the “Diary of Anne Frank”. Ever wondered how nice it would be to read the work in original language that it was written in? Or for that matter to know how Mein Kampf sounds in the words of Hitler himself? Here are 10 compelling reasons for you to learn German

1) German as an Official Language

German is one of the official languages of the European Union and is widely understood and used in the European continent. It is the only official language of Germany, Austria and Liechtenstein. It is one of the official languages of Switzerland, Luxembourg and Belgium. It is also recognized as a minor language in many countries.

2) Widely taught foreign language

German is one of the most taught foreign languages.  In India many educational institutions offer German as an additional language in their curriculum.For students aspiring to pursue higher studies abroad it can be an added advantage to know the language in advance.

3) World class higher education in Germany

Higher education in Germany is highly recognized internationally. Most of the Universities have no tuition fees for higher education, which makes it all the more attractive to pursue education in Germany

4) Job opportunities in Germany

After completing post graduate degree in Germany, there are many job opportunities not only in the fields of Automobile or Mechanical Engineering but also in the Computer Science, Chemical and Electrical Engineering fields.

Also, many German companies are well renowned in the global market. Pune is a popular hub for many well-known German company setups. Volkswagen, Mercedes Benz to name a few.

5) Job opportunities in India

Many German companies have their manufacturing setups in India. Knowing the German language can help leverage one’s chances of getting hired as the job profile may involve interaction with the onsite teams based in Germany or looking into some documentation written in German.

6) Opportunities in hospitality industry

Being a widely spoken and understood language it is a plus to know this language to reach the German speaking tourists if you are in the hospitality industry or if your job involves interaction with business delegation

7) Translation jobs

Translation is another blooming field owing to increased cultural exchange and globalization. Translation of technical books, brochures, literary works of eminent authors like Goethe, Schiller are required in many

German Language can be a powerful ad on to your skills kitty and help you take your career or your knowledge up by a notch.

The F1 Visa Process

Most of you have received admits from the universities and are now in the crucial phase of visa application. Here is a quick look at the visa process, chronologically.

 

1. filling in the DS 160 form
2. paying the visa fees
3. scheduling appointments for:
a) submitting biometric data and documents at the Offsite Facilitation Centre and
b) the Visa Interview
4. post visa interview

1. Online Filling of the DS 160 Form
The first step is to fill the DS 160 form online. Filling the form generates a CONFIRMATION NUMBER. You will require this number to print the ‘Receipt of Payment’ (which, in this case, is printed out before you make any payment!) since it contains the CGI reference number that is required if you are going to pay the visa fees in cash.

2. Payment of Visa Fees
You can now pay the visa fees by:
1. Electronic Fund Transfer
2. Mobile Phone
3. Cash payment at any Axis bank branch (there are over 1800 branches across the country) If you make cash payment of the fees (recommended), be sure to take along the ‘Receipt of Payment’ that you printed out earlier. The bank will need to see the ‘CGI Reference Number’ on it when you go to pay the visa fees. If you fail to produce the ‘Receipt of Payment’ the bank will not accept your visa fees.

3. Scheduling the Appointments
You can schedule appointments only after the receipt is ‘activated.’ Usually, this takes an hour. Once the receipt has been activated, you will have to schedule two appointments:
1. Offsite Facilitation Center (OFC) – this appointment is for you to submit fingerprints of all ten fingers, photographs (digital and physical) and required documents. This appointment has to be scheduled at least one day prior to the visa interview date.
2. Visa Interview – this is the actual visa interview appointment.
Note:
1. You cannot appear for both appointments on the same date; and appointments for consecutive dates may not always be available. There have been instances where there is one whole week between the OFC appointment and the appointment for the interview. If that happens to you, you will have to make two trips to the consulate.
2. After the visa has been granted the passport is couriered to the home address (this facility is available for select cities only) or can be collected from the VFS center nearest to the home city.

4. Post Visa Interview
After you have been granted the US visa you can track your passport to check if it is ready for pick-up.
Once the passport is delivered at the pick-up centre you can collect it in person. In case you are unable to collect it, you may send your family member to collect it on your behalf along with your ID proof. Instructions on passport pick-up can be found HERE

If you have any queries related to:

  • filling the DS-160 form
  • payment of visa fees or
  • scheduling/changing visa appointments

these can be made at:

  • Email: support-india@ustraveldocs.com
  • Telephone: +91-120 – 4844644 or +91 40 46258222
  • Skype: user name: ustraveldocs-india
  • Online Chat: www.ustraveldocs.com

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Recommendation Letters – Part 2: Ingredients of a Good Recommendation Letter

What Recommendation Letters should Cover

Recommendation letters should cover the following points (also see the links to great sample recos at the end of this post):

  • How long the recommender has known you and in what capacity (teacher, seminar or project guide, practical supervisor, project leader etc.)
  • His or her assessment of your academic performance (relative rank etc.), intellectual abilities, work habits and character
  • Your special achievements – especially in projects or in papers presented
  • Your communication skills – how well you were able to present your seminars
  • Your social skills – ability to work well with others, leadership qualities
  • Some background about the recommender – this is useful in the case of professors whose work in a field might be good but little known outside India; things to highlight include area of work, achievements in that area (papers published, awards etc.), prominent places worked in, length of experience and so on

Applying for Transcripts from Pune University

In Pune University the process of applying for transcripts is as follows:

  1. Download the transcript form from the website of Pune University
  2. Fill up the form and submit the form in person at the transcripts department – this is located on university campus. Do not forget to carry original mark sheets if required for verification. In case you are asked to submit mark sheets, submit photocopies not originals.
  3. Pay the required fees immediately at Bank of Maharashtra counter located on the university campus. Continue reading

The University Transcript: A Comprehensive Description of the Details Included

Your transcript should contain the following:

  • a ‘bona fide certificate’ containing:
    • your name
    • the name of the college where you studied
    • the name of the course you studied
    • the duration for which you were at the university/college and date of completion of the course
  • the examination scheme which, includes details such as:
    • whether all subjects are compulsory or whether there are elective subjects, a project etc.
    • the number of semesters in the course and the duration of each semester
    • the duration of each lecture
    • the minimum marks required to pass in a subject
    • the maximum number of grace marks that may be given so that a student may pass or obtain a higher class
    • the score scheme used: grade point average (GPA) or aggregate percentage/class system
  • the ‘mark sheet’ section which, states:
    • the breakup of subjects studied in each semester
    • the number of hours per week for lectures and practical work in each subject
    • the maximum marks per subject
    • the marks you obtained in each subject
    • your total marks, percentage (or relative grade), class and relative rank in the class, college or university in each year
  • the highlights and history of your college or university (in brief)

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