Study in USA

Master of Architecture (M. Arch) Education in the USA: A Comprehensive Guide

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Pursuing a Master of Architecture (M. Arch) degree in the USA is an excellent way to advance your knowledge and skills in the field of architecture. The USA has some of the best architecture schools in the world, offering high-quality education, cutting-edge research opportunities, and access to top-notch facilities and resources. If you are considering pursuing an M. Arch education in the USA, this blog will provide an overview of the M. Arch program in the United States, covering its structure, admissions requirements, and potential employment outcomes.

Masters in Architecture is offered as M. Arch, Masters of Science (M.S) or Masters of Arts (M.A) in US universities. As one can expect, an M.S in Architecture degree offers a more research and technology-oriented focus while M.A in Architecture degrees are more art-focused and generally specialize in design. The Master of Science (MS) in Architecture and Master of Arts (MA) in Architecture programs are typically research-oriented degrees that provide students with a theoretical understanding of architecture. On the other hand, the Master of Architecture (M. Arch) degree is a professional degree that prepares students to become licensed architects.

Fortunately, a master’s degree in architecture in the United States is considered a STEM degree (Science-Technology-Engineering-Mathematics). STEM degrees allows you to work on OPT (optional practical training) for 36 months after graduation. (compared to the 12-month OPT period allowed to other graduates)

M. Arch Program Overview

M. Arch programs in the USA are designed to provide students with advanced knowledge and skills in architecture and related fields. These programs typically take two to three years to complete and offer a comprehensive curriculum that includes both theory and practical coursework. The curriculum covers a wide range of subjects, including architectural design, history, theory, building technology, sustainability, and professional practice. In addition to coursework, students are required to complete a design studio project, which allows them to apply their theoretical knowledge to real-world design problems.

Master of Architecture (M. Arch) degree programs in the United States offer various specializations. Some of the most common specializations offered in M. Arch programs in the USA are:

  • Sustainable Design and Green Building
  • Urban Design and Planning
  • Interior Design
  • Landscape Architecture
  • Digital Technologies in Architecture
  • Building Information Modeling (BIM)
  • Construction Management
  • Real Estate Development and Design

These specializations enable students to focus on a specific area of interest within the field of architecture and develop their skills and knowledge in that area.

Requirements for Admission

Students will need the following: 

  • A bachelor’s degree in architecture or a related design field is required.
  • Most universities require a GRE test scores.
  • A resume or CV is required.
  • Proof of English language proficiency in the form of IELTS or TOEFL test results.
  • A SOP, or Statement of Purpose, is required for universities.
  • LOR or Letter of Recommendation, depending on the institution.
  • Portfolio: A portfolio of your design work is usually required. This should showcase your creative and technical abilities and may include drawings, sketches, models, photographs, and other relevant materials.

Career Prospects

To become a licensed architect in the USA, you typically need to earn a professional degree in architecture from a program that is accredited by the National Architectural Accrediting Board (NAAB). The most common degree is the Master of Architecture (M. Arch), but some states may also accept a Bachelor of Architecture (B. Arch) degree.

M. Arch graduates in the USA have a variety of career options in the field of architecture. Many graduates choose to work as licensed architects in architectural firms, where they may be involved in designing and overseeing the construction of buildings and other structures. Others may work in related fields, such as urban planning or interior design. Additionally, some graduates may choose to pursue careers as Project managers, design architects, senior project architects, landscape architects, urban designers and urban planners. There are job opportunities in a variety of private industries, including design, construction, urban development, and infrastructure.

The annual income of M. Arch graduates in the USA can vary depending on experience, geographic location, and the specific industry or sector they work in. According to the United States Bureau of Labor Statistics (BLS), the median annual wage for architects, including those with M. Arch degrees, was $82,320 as of May 2020. salaries ranging from $49,790 to $139,120.

Jobs for trained architects will continue to grow in the United States, with steady demand from corporations and planning organizations. Bureau of Labor Statistics predicts an 8.4% increase in employment for architects between 2018 and 2028. The United States is a top choice for architecture students due to its globally acclaimed universities, engaging curriculum, emerging technologies and design trends, and readily available employment opportunities.

Conclusion

Overall, pursuing an M. Arch degree in the USA can be a rewarding and fulfilling experience for those interested in the field of architecture. The programs provide students with a strong foundation in the theoretical and technical aspects of the discipline, as well as opportunities for hands-on design experience and exposure to real-world contexts. If you’re considering an M. Arch degree, be sure to research the various programs available and their specific admission requirements to find the best fit for your academic background and career goals.

 

Want to pursue a Master’s of Finance Degree in the USA?

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Do you want to further your education in the field of finance? Do you dream of attending a U.S. university for your Master of Science in Finance? Read on to find out how you can study abroad to build a successful career in finance.

A master’s degree in finance in the United States is considered a STEM degree (Science-Technology-Engineering-Mathematics). STEM degrees allow students to work on OPT (optional practical training) for a period of 36 months post-graduation. (as compared to the 12-month OPT period granted to non-STEM graduates on a student visa)

Finance is the bedrock of all commercial activity. In today’s dynamic global economy, a strong financial team is essential for every company. This has created a worldwide demand for highly skilled and educated financial specialists. Those with a Master’s Degree in Finance from the US are considered highly valuable employees for any financial institution, whether they work in banking, financial research, or investments. The latest Occupational Outlook Handbook from the U.S. Bureau of Labor Statistics projects a 6% increase from 2021 to 2031 in jobs related to Finance. Despite the competitive employment market, especially for international students, the United States is a great place for finance majors to launch their careers.

Overview: MS in Finance

The Master of Science in Finance is also known as Masters of Finance degree in some universities. The course is offered from 10 to 24 months, depending on the university. This course is offered in around 50 universities across the United States. Study of the principles, processes, and practices of investment analysis, portfolio management, corporate finance, financial risk management, quantitative methods, financial data analytics, and valuation are some of the core subjects covered in a typical US Master’s of Finance program. Financial Engineering, Real Estate Finance, Hedge Funds, Mergers & Acquisitions, Fixed Income Securities, and many more electives are available to students. Graduates will be equipped to take on leadership roles in a wide range of finance-related fields, including but not limited to: corporate finance, financial institutions, investment banking, risk management, capital markets, financial modeling, behavioral finance, econometrics, investment management, and more.

Advantages of pursuing MS in Finance

  • It’s a more practical and efficient way for students to become financial experts in a short amount of time.
  • Unlike an MBA, a Master of Science in Finance focuses primarily on financial planning and risk management and does not typically require work experience for admissions.
  • Following is a list of high paying jobs available to graduates with an advanced Finance degree :
  1.  Investment banking
  2. Hedge fund management
  3. Financial Analysis
  4. Information technology auditor
  5. Financial software developer
  6. Private equity associate
  7. Chief compliance officer
  8. Chief financial officer

The average salary starts at more than $75000 per year and can range up to as high as $125000+ per year

Admission Requirements for MS in Finance

Prospective students with a bachelor’s degree in finance or a quantitative subject will have a better understanding of the subject. As a result, candidates with a good bachelor’s degree in finance, accounting, engineering, mathematics, science, business economics, or a related quantitative field are ideal for the MS in Finance program. A typical MS in Finance program does not require work experience; however, applicants with some industry experience (ideally 12-15 months) are encouraged. Applicants possessing a CFA Degree (Chartered Financial Analyst) have an added advantage for getting admitted into high ranked US universities. Some universities also require applicants to submit their GRE scores. Candidates must also demonstrate strong academic potential, with a decent GPA.

To meet the English language requirements, international students are required to take the TOEFL or IELTS test. In addition to the aforementioned requirements, many programs require applicants to complete pre-requisite courses in calculus, statistics, business finance, accounting, investments, micro and macroeconomics, and other related subjects before enrolling. Those with undergraduate degrees in finance will have most likely completed these courses during their undergraduate degree term; however, those with time constraints should check with universities, as many offer pre-requisite programs that can be accessed and completed online.

At Dilip Oak’s Academy, we provide detailed guidance on these processes under our Admission Counseling Services, including a selection of universities, documentation process and visa counseling, and mock visa interviews. In addition, 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.

F1 Visa: Basics and application process

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The United States administration offers a variety of non-immigrant visas for foreign nationals. For instance, the United States issues B-1/B-2 visa to visitors and businessmen, and H-1B visas to those who have been granted permission to work in the country. An M-1 visa is issued to students enrolling in short-term vocational programs like flight schools, language institutes, etc. However, students going to an accredited university for a full-time academic program, require an F-1 visa stamp.

Currently, student visas are being processed faster than other types. Those who already hold a B1/B2 visa can obtain a visa by appearing for VFS appointment and by submitting their application via drop box. In other words, they get an interview exemption.
Students are allowed to apply for the F-1 visa 365 days before the start date of the program mentioned on their I-20 form. The I-20 form is an official document issued by the United States Citizenship and Immigration Services (USCIS). The following important details are mentioned in the document:

  • the name as printed on the passport of the student
  • the name of the university which the student is joining
  • the program to which the student has been admitted
  • the date of commencement of the program
  • the date by which the program has to be completed
  • the total cost of education for one year.

The fall 2023 semester generally begins in the third week of August. So, if you plan to attend an American university this fall, you can begin applying for your visa now.

How to Apply for an F1 Visa?

  • Get your I-20 from the SEVP institution
  • Apply online by filling the DS-160 form
  • Pay the general visa application fee ($160)
  • Pay the SEVIS fee ($350)
  • Schedule your OFC appointment followed by F1 visa interview date
  • Attend the F1 visa interview on the scheduled date

Keep in mind that you should have adequate liquid funds to cover the total cost of one year of education – this is mentioned in the I-20 form. Many students are under the wrong impression that their sponsor needs to deposit this entire amount in the bank and that otherwise their visa can be rejected. Contrary to popular belief, this is not the case. Bank deposits (savings, fixed deposits) and other liquid assets like shares, mutual funds, Public provident fund and employee provident fund etc. education loans are all acceptable forms to prove financial capability. The following are additional points are also taken into consideration by the consulate officer:

  • Accreditation and reputation of the university to which you have been admitted (this shouldn’t be an issue if you go through Dilip Oak’s academy; we only recommend accredited universities)
  • your academic background is good along with a satisfactory GRE score
  • Annual income and financial stability of your sponsor
  • Your communication skills along with your ability to give convincing and honest answers to the consulate officer’s questions

If your Visa Application gets rejected in the first attempt, you can apply again. You have to go through the same process again, except the SEVIS fee.
Start preparing your financial documents now and apply for an F-1 visa as soon as you get your I-20 form from the university you desire to attend. 

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.

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

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Understanding IELTS Test Formats

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 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!

Comparing CBT and PBT

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 is conducted face-to-face, and often on different dates. It 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

Click here to read more blogs about IELTS. You can also visit our sections on GRE and Admission Counseling.

Other differences between CBT and PBT

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

Factors to Consider When Choosing Between CBT and PBT

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.

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.

MS in Spring 2024? Here’s what you need to know! 

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MS in Spring 2024? Here’s what you need to know! 

If you are planning for the January 2024 intake, this blog will help you plan systematically to fulfill your dream of MS in the US. 

Before we get into the details, for those of you who are still on the fence about applying for the upcoming Spring semester because of the misinformation available online, the section below will allow you to confidently make your decision.

Should I Apply for the Spring Semester?

 Some common misconceptions: 

  • Spring enrolment is lower at most schools. Not really! Nearly all colleges and universities in the United States accept new students for the spring semester. The only caveat is that some universities only offer certain classes in the fall semester, so new students who enroll in the spring miss out. 

  • Financial aid is scarce. Again, this is not correct. Financial aid opportunities in the spring are comparable to those in the fall. Also, most universities only give financial aid to students who have already completed one semester with a very good GPA in the form of Research and Teaching Assistantships, tuition waivers, etc. (Grade Point Average). Accordingly, it makes little difference whether you enroll in the fall or spring semester.

Now that you are better informed, the timeline mentioned below will help you plan your entire application process.

What is the Best Time to Apply for the Spring Semester?

The optimal time to submit an application for the spring semester is between June and July of the preceding year. While many schools continue to accept applications through September, ensure that you confirm your specific program deadlines. 

Step by step guide to spring 2024 applications 

Here is the application schedule for the upcoming spring semester. The following instructions are universal and should be followed by all students applying for the spring intake. There’s no time to waste now, so hurry up and get to work.

February – March 2023 

  1. Review your goals for MS education and choose some specific areas in which you would like to specialize
  2. Register for the GRE and TOEFL/IELTS examinations – these examinations should preferably be taken by mid-June in order to have time to complete all of your online applications and courier the required documents by the end of July.
  3. Start preparing for GRE and TOEFL/IELTS, as it will take approximately 2-3 months to achieve your target score. 

April – May 2023

  1. Make a preliminary list of about 30 universities that meet your requirements considering:
    • Location
    • Costs
    • Broad specializations you are interested in
    • Recommendations by seniors your professors etc.
    • Whether your academic profile fits the university’s requirements.
  2. Arrange for 4 -5 sets of transcripts in sealed covers from your college or university – some universities insist on university transcripts
  3. Choose your recommenders (generally, 3 recommendations are required, at least one of which should be from the educational institute last attended) and give them the necessary details – resume, copies of your mark sheets etc.
  4. Start working on your Statement of Purpose (target date for completion 31 May 2023) and Resume

June-July 2023

  1. Take the GRE and TOEFL/IELTS exams latest by 20 July
  2. Carry out a comprehensive review of the 30 universities considering:
    • Your academic performance in the bachelor’s degree
    • GRE and TOEFL/IELTS scores of students admitted in the past
    • Any minimum cut-offs with respect to GRE and TOEFL/IELTS scores
    • Whether courses of your choice are offered in the spring semester
    • Cost of education
    • Complete your Statement of Purpose (SOP) and Resume
  3. Make your final shortlist of 8-10 universities.
  4. Request the ETS to forward your GRE and TOEFL scores (IDP for IELTS scores) to the universities you are applying to, specifying the correct codes for the universities/departments you are applying to.
  5. Complete the online application process and send the required documents by courier 

This completes the application process; however, there are further steps to be taken:

  1. Track the status of your application on your status page of the university’s website. Though universities generally communicate decisions or requirements by either e-mail or post, it may happen that the only source of information is your status page.
  2. If there are any deficiencies in your applications (missing documents, non-receipt of GRE or TOEFL/IELTS scores, recommendations etc.), act immediately to correct the deficiencies.
  3. When you receive an offer letter from the universities (or when an admission decision is indicated on your status page), email your acceptance. This is very important, especially when you are offered funding.
  4. When you have accepted the university’s offer of admission and the documentation formalities are complete, the university will send you the 1-20, an immigration document, which is essential for obtaining a visa.
  5. When you receive the I-20, check that it is correct in all respects:
    • Your name and date of birth should be exactly as in your passport
    • Your course and course duration are correctly specified
    • The financial sources indicated exceed the costs.
  6. Prepare the visa documentation
  7. Study the visa application formalities specified on the websites of the applicable US Consulate and the VFS (Visa Facilitation Services)
  8. Apply for a visa interview date – you can apply for a visa interview 120 days before the joining date mentioned on your I-20.

As India’s leading Study Abroad Consultants, we 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. 

Contact us at 020-67444222 or email us at support@dilipoakacademy.com. 

Received Admission for Fall-2023. What Next?

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Students have been submitting their applications for fall 23 since October 2022. Even though many universities have deadlines until March 31, 2023, they begin processing applications on a first-come, first-served basis. As a result, students will begin receiving admissions offers in January 2023. By May 2023, all admissions decisions will be made.
If you have been accepted, you may be wondering what your next step should be after receiving admission to any university.
Let’s start with the types of acceptance that you can receive from a university.

Types of admissions:

a) In some cases, universities send an admission letter along with the I-20 form, an immigration document that is essential for obtaining a visa. This is the most convenient option for students. This type of acceptance also allows you to hold onto this letter of acceptance for some time while you await decisions from other universities. You can accept this admission and wait for offers from other universities.

b) You will receive an acceptance letter from the university, but the I-20 form will not be issued until after you have accepted the offer of admission. You can accept the offer of admission to be on the safe side, but the decision to join is still in your hands even after acceptance.

c) Some universities demand bank certificates before issuing the I-20. When you have accepted the university’s offer of admission and the documentation formalities, along with the financial documents, are complete, the university will send you the I-20. In that case,

  • Students will need to demonstrate that they have sufficient funds in their bank account (including savings and fixed deposits) to cover the annual fee.
  • The amount should be enough to cover two semesters of tuition fees in addition to a year’s worth of living expenses.
  • Funds are only required to be available on the date the certificate is issued. For this reason, many students borrow money from family and friends for a single day, then pay it back as soon as the bank issues the certificate.
  • It is recommended that students bring a bank certificate for an amount equal to the sum total of the most expensive university on their list of schools to which they have applied.
  • As you will have to send this letter to multiple universities, it is recommended that you obtain around eight copies of the bank certificates (which are valid for three months).
  • Students can also submit a letter of sanctioned education loan for the equivalent amount if he or she does not have the funds in his bank account to show. Loans are approved in principle. Such a letter is issued by a bank or non-banking financial institution (NBFC). The admission letter serves as a preliminary for loan approval.

d) Before sending an I-20 form, some universities require a non-refundable deposit as confirmation of admission. This is just another way of asking for a commitment from you. The required deposit amount can vary from USD 100 to USD 500.

  • If you aren’t confident that you want to enroll at that particular university, then you should hold off on making this payment.
  • However, some universities require this money to be paid by a certain date. In such cases, you can make payments if this university is one of your top and safest choices.

Now let’s talk about the funding.

Securing the funding:

Pursuing M.S. in the USA is often expensive, especially for international students, because unlike American citizens who pay in-state tuition fees, international students have to pay out-of-state tuition fees. For example, if the annual in-state tuition fee is $8,000, the out-of-state tuition fee can be as high as $20,000. These tuition fees are also dependent on the ranking and location of the university. Cost of education in US has also increased because of appreciation in USD value and increase in living cost due to inflation in the US. An average master’s degree from a decent university can cost between Rs. 35-45 lakhs.
Since the cost of education has increased, most students prefer to take out an education loan. Loans can be obtained from nationalized banks, private banks, cooperative banks, and private financial institutions. Rates of interest can range from 9–12%. (Nationalized banks tend to have a lower rate of interest compared to private institutions.) Female students can also benefit from a 0.5% discount on the rate of interest from a nationalized bank. To know more, read our detailed blog on this topic.

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.

It’s not too late to apply for fall 2023

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The United States is without a question every student’s first choice when thinking about studying abroad for master’s. To convert this dream into reality, many of you may have already started with your applications for the fall 2023 intake. Most universities began accepting applications in October. You might be thinking that it’s too late to apply for the fall of 2023 now that January has arrived. The good news for you, It’s not too late!

Let’s delve deeper into this topic.

  • Roughly 10% of the universities had their final deadlines on 31 December
  • Around 10% have their final deadlines on 31 Jan.
  • However, the majority (about 80%) of universities allow you to apply till March and some of them even accept applications till May.

Which means that you can still secure an admission in a good university even if you start with your applications now!

Why Fall 2023

Fall intake is usually the most preferred among Indian students and for good reasons

  • Fall intake offers a more diverse range of courses
  • Fall intake allows students a better access to funding
  • Many universities have waived of GRE requirement for Fall 2023
  • It also allows students to explore part-time on-campus job opportunities such as research assistant and teaching assistant
  • Probably the most important reason for the popularity of fall admissions is the higher availability of post-study work options for students who start their studies during fall

You must move quickly

Although most universities will still be accepting applications till march, you need to consider time required for documentation and university shortlisting. Documentation includes procuring transcripts, drafting SOPs, personal statements, diversity statements LORs and resumes. University shortlisting involves lot of research to select right universities according to your profile and interests. You also need to move quickly because even after securing an admission, securing a visa can be equally tedious considering you are already on a tight timeline.

We are here to help you

We at Dilip Oak’s academy are here to help you.

  • We are the best when it comes to admissions counselling. We will provide you with a well-balanced list of universities with safe as well as ambitious options, thus increasing your chances of admission.
  • We offer counselling for SOPs (statement of purpose), LORs (letters of recommendations) and resumes and help you prepare everything from personal statements to diversity statements
  • We also provide guidance for visa along with mock visa interviews

Dilip Oak’s academy can be your perfect guide into this often confusing admission process. We have been in this business since 1996 and we have more than 30,000 success stories to attest to our expertise in this field. Our counselors are experienced professionals who interact with every student personally to understand his/her unique requirements and provide guidance accordingly.

Best Wishes and Happy applying!!

As India’s leading Study Abroad Consultants, we 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.

Should I Apply For MS With GRE Waiver?

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Around 35% of universities in the USA have given waivers for GRE

The GRE score is still one of the most important selection criteria considered by graduate admissions committees.

Why should I take the GRE test?

Colleges typically use the GRE (for STEM fields) to assess your quantitative ability.

  • Every applicant is evaluated holistically; your GRE scores, academic scores, internships, research papers, and projects are considered. But those who give GRE will have a clear advantage over those who don’t.
  • If your undergraduate GPA is lower than expected, your GRE test score is your chance to demonstrate quantitative skills beyond your transcript.

GRE is recommended as it is required for scholarships.

Though scholarships based on GRE, TOEFL, and IELTS exam scores are limited, you must score at least

  • 165 in both the quantitative and verbal sections of the GRE,
  • 4.5 in the writing skills section of the GRE, and
  • above 100 in the TOEFL and 7.5 in the IELTS to be eligible for one.

A good GRE score demonstrates your potential in analytical and critical thinking skills.

How do I decide whether to take the GRE?

If the website explicitly states that GRE scores are required, you must take the GRE.

If the university website mentions that it is recommended, it is advisable to take the GRE.

If the university you are applying to has stated on their websites that they have waived the GRE, you are not required to send your GRE score reports in your admissions packet. However, if your GRE score is more than 300, we still recommend that you send the GRE scores.

Education Loans: Everything you need to know

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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! 

Is This the Best Time to Pursue a Master’s Degree in the US?

Dilip Oak's Academy

With their impeccable quality of education, well-designed coursework and on-campus placement programs offered by the US universities, the US is one of the most sought destinations for higher education. Why US? (read blog). But the current uncertain economic scenario has posed many questions for these prospective graduate students, thus making it difficult for them to decide their future plans. Let us try to address these concerns:

Is the US on the verge of recession?

Recession alarms are being sounded in the US, predicting an economic downfall and, consequently, an increase in unemployment. According to statistical reports, in January 2022, the unemployment rate in America was 4%. which currently is 3.7%. In fact, it has been consistent in recent months, and the Fed is making efforts to ensure that it does not exceed 4%. More specifically, the tech unemployment rate is only 2.1%, indicating a continuous demand for technical skills. Technical jobs have always dominated the job market. So pursuing a graduate program to make yourself technically proficient will help you easily secure these job opportunities.

Layoff/Hiring freezes by tech giants:

This year has witnessed many layoffs and hiring freezes by companies like Facebook, Twitter etc., to implement cost-cutting. Marc Zuckerberg explained the reason for this extreme step in his message to the Meta employees. According to him, the online market had received a boost during the pandemic, and the surge was expected to continue. Consequently, huge investments were made; however, the returns were below expectations, thus resulting in economic losses. Moreover, various cost-cutting strategies implemented to combat these losses were inadequate, leading to downsizing and suspension of new hiring. Of course, the other companies could have a similar reasoning, but should this affect your decision to pursue a graduate program?

Even amidst these adverse circumstances, the available data shows that the aggregate demand for technical expertise is still strong enough to counterbalance the slowing economy. Nonetheless, this is the correct time to equip yourself with the latest skill set so you will have an edge over your peers when the scene changes.

Is there inflation in the US?

Post the 2008 recession, the US economy had revived within three years and continued performing well until the pandemic shook it again. However, it quickly revived within two years. But in mid-2021, the inflation rate started rising and was at its peak in June 2022, reaching 9.1%. As this was well above the targeted 2% inflation rate, the Fed is making desperate efforts to alleviate the inflation rate or ensure that it does not escalate. Interest rates have been increased to encourage the flow of capital, and manufacturing activities are being promoted. Consequently, the average annual inflation rate has stooped down to 7.7% in October, the lowest since Jan 2022. The recent data trends are definitely encouraging and indicate signs of improvement. (Optimistically, we believe it will soon change). More importantly, you will complete your program in 2 years, so making any hasty predictions about the future is not logically justified.

Now what?

So when this cloud of uncertainty is looming over our heads, how do we decide? As mentioned earlier, this would be the best time to pursue higher studies. On a more philosophical note, remember that change is the only thing constant in this universe. Indeed, we cannot predict the future, but we can prepare for it. One of the things that the pandemic has taught us is to be prepared for the unpredictable. Remember, amidst all these cyclical changes, highly skilled technical manpower will always be in demand. So, if your decisions are firm, take this calculated risk and pursue your dreams of studying in the US!

 As a trusted study abroad consultant for nearly three decades, Dilip Oak’s Academy will be with you through every step of your journey! Wishing you all the BEST!!!

Having a tough time practicing SAT History passages? Here’s how we can help…

Dilip Oak's Academy

The SAT Reading section is something that stumps even the most diligent of students, especially students who have not studied in the American system. History passages are tough to crack, often featuring unfamiliar events and abstruse (difficult) language. As an Indian student, it is highly unlikely that you would be acquainted with momentous occasions in American history. In addition to that, the language can seem alien, especially if you don’t read widely. Hence, simply solving passages is not enough. You must dive – not deeply, but cursorily and swim widely – into the realm of US history. Having a general understanding of such events will enable you to grasp the context with ease. But where should you start? Which sources are the most reliable? Which content is the easiest to consume? Being mindful of the extremely hectic schedule that most students have to adhere to, we have compiled a list of the most important topics.

The Best Sources

Learning about US history has never been simpler (easier). No longer do you need to browse through numerous books – everything you need is in that wonderful rectangle in your pocket! There are several YouTube channels that fit the bill. However, there are two channels that stand out: Crash Course and Oversimplified. Crash Course has various series of videos that explain the most important parts of American history in a sequential way. On the other hand, Oversimplified has videos about individual events but they give the viewer a pretty thorough idea about each topic. So if you have a couple of months, we recommend that you watch these series in their entirety: Crash Course US History, Oversimplified – World Wars and Revolutions. If you’re short on time, watching the following videos will give you a basic idea that will be sufficient for the SATs.

These videos have not only easily accessible knowledge but also great language. So, you’ll be killing two birds with one stone. Additionally, they have great animations which make these videos a joy to watch. Have fun!

https://www.youtube.com/watch?v=Eytc9ZaNWyc&list=PL8dPuuaLjXtMwmepBjTSG593eG7ObzO7s&index=7
https://www.youtube.com/watch?v=3EiSymRrKI4&list=PL8dPuuaLjXtMwmepBjTSG593eG7ObzO7s&index=8

Ace the SAT Reading with these websites

Dilip Oak's Academy

Most SAT passages are manageable; the language is modern and direct. However, we also have to tackle passages with pretty complex – at times downright convoluted – framing. In addition to this, most international students don’t have the same exposure to American history and literature that students from the USA have. Now, if you’re ambitious and determined, you may do the most logical thing: start reading content that will help you with such reading passages. But where should you begin? When you search for SAT reading sources, you get super long lists, which, frankly speaking, are overwhelming as well as unrealistic. You don’t have the time to read everything. In fact, many students simply give up on such passages due to frustration. But despair not, for there is another way. We’ve curated a list of the top five sources (topic-specific) for improving your reading for the SAT.

Science

Let’s start with the easiest. SAT passages based on science are the simplest to process. So, if you’re just starting out on your reading journey, begin here.

Easy-to-understand science articles

https://www.nationalgeographic.com/magazine

https://www.scientificamerican.com/

Humanities

Passages based on psychology, economics, socio-cultural phenomena, etc., are simple enough to read but sometimes the ideas may be unfamiliar or complex. You can gain confidence regarding these themes by reading from the following sources.

https://www.aldaily.com/ This website gives you free access to thousands of articles. It’s a great resource to practice reading advanced language.

https://www.nytimes.com/ This is a great source for modern opinion pieces on a wide range of topics.

History

History passages are usually the most challenging as the context is unfamiliar and usually the language is difficult as some passages are extracts from texts written around 200 years ago. The easiest solution to this problem is to watch the Crash Course series on YouTube. Not only will this give you a great overview of history but it will also help you improve your language in general.

History explained in an engaging way with SAT vocabulary  

Crash Course US History

Crash Course World History

Watch this space for more tips!

Coming up…

Which historical incidents are a must-know for SAT?

Sources you should read for SAT Literature passages.