Engineering Scholarships for College Students

August 3rd, 2023 by IEFA

Imagine a world where financial barriers don’t stand in the way of pursuing an engineering degree. Sounds fantastic, right? Well, engineering scholarships can help make that goal a reality. In this blog post, we’ll explore the different types of scholarships available for undergraduate and graduate students enrolled in a variety of engineering fields, along with tips for applying and alternative funding options.

Table of Contents

  1. Engineering Scholarships Overview
  2. Top Engineering Scholarships for Undergraduate Students
  3. Top Engineering Scholarships for Graduate Students
  4. Specialized Engineering Scholarships
  5. Tips for Applying to Engineering Scholarships
  6. Alternative Funding Options
  7. FAQ

Engineering Scholarships Overview

Engineering scholarships open up a world of possibilities for students who are passionate about pursuing a career in this field. With a vast array of scholarships available to undergraduate and graduate students, there’s never been a better time to pursue your engineering degree. From mechanical and civil engineering to aerospace and nuclear engineering, the opportunities are endless.

Types of Engineering Scholarships

Engineering scholarships come in various forms, such as merit-based, need-based and demographic-specific scholarships.

Merit-based scholarships are awarded based on academic performance, such as grades or test scores. Need-based scholarships, on the other hand, are awarded based on your financial need and can be a great way to help fund your college education.Finally, demographic-specific scholarships, such as those tailored to women and minority students, can make college more accessible.

Eligibility Criteria

Eligibility criteria for securing an engineering scholarship typically include factors such as academic performance, background, location, extracurricular activities, financial need, leadership, potential for professional success and responses to essay questions.

Top Engineering Scholarships for Undergraduate Students

Top undergraduate scholarships are available for mechanical and civil engineering students, with varying award amounts and application requirements.

Mechanical Engineering Scholarships

Mechanical engineering scholarships cater to students who are studying in this specific field of engineering and may be aimed at students who have displayed academic achievement, financial need or the potential to contribute significantly to the field.

There are various types of mechanical engineering scholarships available, including:

  • General engineering scholarships.
  • Scholarships for specific mechanical engineering fields.
  • Scholarships for high academic achievements.
  • Scholarships funded by alumni and corporate sponsors.

Here’s an example of a merit-based award: the Engineering Excellence Scholarship (Overseas Students).

Civil Engineering Scholarships

Civil engineering scholarships often require applicants to be members of professional organizations, such as the American Society of Civil Engineers (ASCE). Eligibility criteria for civil engineering scholarships may include enrollment in an accredited civil engineering program, a minimum GPA and a demonstration of financial need.

If you’re a budding civil engineer with the drive to make a difference, scholarships like the Yang Civil Engineering Scholarship could be the key to unlocking your potential.

See all American Society of Civil Engineers (ASCE) Scholarships.

Top Engineering Scholarships for Graduate Students

Top graduate engineering scholarships for aerospace and nuclear engineering students include the NASA Aeronautics Scholarship Program and American Nuclear Society scholarships.

Aerospace Engineering Scholarships

To be eligible for aerospace engineering scholarships, applicants are often required to have a minimum GPA or be members of aerospace-related professional organizations. Like many other scholarships, applicants may also be required to write an essay outlining their career goals or about an engineering-related topic.

Examples of aerospace engineering awards include the American Institute of Aeronautics and Astronautics (AIAA) scholarships, which provide financial assistance as well as access to a network of professionals in the aerospace industry to help build relationships and further your career.

Nuclear Engineering Scholarships

To be eligible for a nuclear engineering scholarship, applicants must be enrolled in a nuclear science or nuclear engineering degree program and have completed at least two years of the program. So, if you’re passionate about harnessing the power of the atom, scholarships like the American Nuclear Society Scholarship can provide the financial support you need to fuel your educational journey.

Specialized Engineering Scholarships

Beyond the realm of general engineering scholarships, specialized engineering scholarships cater to unique demographics and interests. Women, minority students and those passionate about green engineering technology can all find scholarships tailored to their specific needs.

With varying award amounts and eligibility criteria, these scholarships can help pave the way for a more diverse and sustainable engineering landscape.

Scholarships for Women in Engineering

Scholarships for women in engineering aim to empower more women to pursue careers in engineering. These scholarships often require membership in professional organizations, such as the Society of Women Engineers (SWE) or the Association for Women in Science (AWIS).

Examples of scholarships for women in engineering include the MPOWER Financing Women In STEM Scholarship, Amelia Earhart Fellowship, the Society of Women Engineers (SWE) Scholarships and the Women in Aviation Engineering Scholarships. These awards provide financial assistance and also connect you with a network of like-minded women in engineering, fostering a supportive community to help you thrive in your career.

Scholarships for Minority Engineering Students

Minority engineering scholarships endeavor to increase diversity in the engineering field by providing financial support to underrepresented students. These scholarships often have specific eligibility criteria based on ethnicity or nationality.

Examples of scholarships for minority engineering students include the National Action Council for Minorities in Engineering (NACME) scholarships, the Hispanic College Fund scholarship and the Society of Hispanic Professional Engineers (SHPE) scholarships. Not only do these scholarships provide financial aid, they also connect you with a community of professionals and students who share your background. This supportive network will help you excel in your engineering career.

Green Engineering Scholarships

For students committed to sustainable and environmentally friendly engineering practices, green engineering scholarships offer a fantastic opportunity to further their education while making a positive impact on the planet. These scholarships have varying award amounts and eligibility criteria, ensuring that there’s a strong fit for every eco-conscious engineering student.

Examples of green engineering scholarships include the Udall Scholarship and the Environmental Engineering and Science Foundation Scholarships

Tips for Applying to Engineering Scholarships

Navigating the world of engineering scholarships can be overwhelming, but with a few tips and tricks up your sleeve you can maximize your chances of success.

In the following sections, we’ll discuss how to research scholarship opportunities. This includes understanding the different types of scholarships available, researching organizations that offer them and learning what criteria they use to evaluate applicants.

Preparing a strong application is also key to success. This includes writing a compelling essay, gathering letters of recommendation and submitting all required documents.

Researching Scholarship Opportunities

Uncovering the perfect scholarship opportunity is a matter of diligent research. To find scholarships that fit your specific criteria, use online search engines like:

Additionally, don’t forget to reach out to your college’s financial aid office for more information and guidance.

When researching scholarship opportunities, pay close attention to eligibility criteria and application deadlines. This way, you can focus your efforts on the scholarships that best align with your background, interests and goals to increase your chances of success.

Preparing a Strong Application

When it comes to scholarship applications, first impressions matter. Here’s how to create a compelling application:

  • Gather all required documents – Find all of the scholarship documentation you’ll need,  including transcripts, resumes and letters of recommendation. 
  • Craft engaging essays – When writing your essays you’ll want to showcase your unique personality, service and volunteer work, and special talents or skills.
  • Proofread your application – Take the time to proofread your application and double-check all submission requirements to ensure you’ve put your best foot forward. 

Remember, persistence is key when applying for scholarships. Don’t be discouraged if you are not granted a scholarship on your first try – keep refining your application and applying to as many scholarships as possible. With determination and a strong application, you’ll be well on your way.

Here’s more on how to write a scholarship application.

Alternative Funding Options for Engineering Students

While scholarships are an incredible resource for engineering students, they’re not the only financial support option available. In this section, we’ll explore alternative funding options, such as employer sponsorship, grants and fellowships, employment and international student loans.

Employer Sponsorship

Employer sponsorship can be a game-changer for engineering students looking to further their education without breaking the bank. Companies may offer to cover partial or full tuition costs in exchange for a commitment to work for the company after graduation. If companies offer tuition reimbursement programs, it would allow you to pay for your tuition and fees with pre-tax dollars. 

To take advantage of employer sponsorship, reach out to your company’s human resources department to discuss available opportunities. Keep in mind that some companies may require you to maintain a minimum GPA or complete your degree within a specific timeframe. By partnering with your employer, you can achieve your educational goals while also securing your future career.

Grants and Fellowships

Grants and fellowships offer a valuable financial lifeline for engineering students pursuing graduate degrees. Often awarded based on academic achievement, research potential or teaching abilities, these awards can help you cover the cost of your graduate education without taking on additional debt.

Some examples of grants and fellowships available for engineering students include the Margaret McNamara Education Grants, the Fulbright Program for Non-US Students, and the National Science Foundation Graduate Research Fellowship Program. By exploring these options, you can secure additional financial support and focus on achieving your engineering dreams.

Employment

Getting a job could be a viable option to help cover your college or university costs. However, before you start looking for work, make sure you check the terms of your visa. Depending on your visa type, there may be restrictions on working while studying. Additionally, it’s important to ensure that your school permits international students to work.

Once you’ve determined your work eligibility, start exploring your options. Whether it’s a part-time job on campus or an internship in your field of study, employment could help ease your financial burden while providing valuable work experience. With the right approach and a bit of effort, you’ll be able to enjoy the perks of working while studying.

International Student Loans

For students studying abroad, international student loans can provide a much-needed financial boost. These loans are typically offered by private lenders and have varying interest rates and repayment terms.

To secure an international student loan, research private lenders who offer loans specifically designed for international students. Keep in mind that some loans may require a U.S. cosigner or other eligibility criteria, such as enrollment in an accredited program. By considering all available funding options, you can confidently pursue your engineering degree, wherever your studies may take you.

Wrap up

Engineering scholarships and alternative funding options can make the seemingly impossible dream of pursuing an engineering degree a reality. From undergraduate and graduate scholarships to specialized awards for women, minority students and green engineering enthusiasts, the possibilities are endless. With diligent research, a strong application, and a little persistence, you can secure the financial support you need to fuel your engineering dreams and make a lasting impact on the world.

Frequently Asked Questions

How do you get a NASA scholarship?

To get a NASA scholarship, you must demonstrate strong academic performance and aptitude in STEM fields, a related science degree as well as financial need and involvement in school or community activities. Additionally, those from traditionally underrepresented backgrounds are particularly encouraged to apply.

What is the hardest type of scholarship to get?

Securing an athletic scholarship can be incredibly competitive and requires dedication, skill and hard work. It can be one of the most challenging scholarships to obtain, but also one of the most rewarding.

Athletes who are successful in obtaining an athletic scholarship have put in the time and effort to make themselves stand out from the competition. They have worked hard to hone and demonstrate their skills.

What types of engineering scholarships are available?

If you’re an engineering student, you have access to a range of scholarship opportunities! These include merit-based, need-based and demographic-specific scholarships for women or minority students.

Take advantage of these resources to invest in your future career success.

How can I find the best scholarship opportunities for me?

Start your search early and be proactive. Use online resources such as IEFA and get in touch with your college’s financial aid office – they will provide you with great advice and scholarship opportunities that are tailored to you!

With some research and effort, you’ll be able to find the best scholarship opportunities for yourself.

What are some tips for preparing a strong scholarship application?

Begin your application process early, research the scholarship thoroughly and compose strong essays that accurately convey who you are and what you’ve accomplished. Be sure to stay organized, and make sure you follow any instructions precisely. Additionally, be sure to communicate your background and accomplishments in a compelling and concise way.


Building a Global Network: Top Networking Strategies for International Students to Forge Lasting Connections

July 7th, 2023 by IEFA

Strong networking connections can open up incredible opportunities for international students for internships, future jobs  and academic advancement.

Making these connections can be more challenging than it seems as you navigate an unfamiliar environment in a new country. 

From language barriers to unfamiliar faces, creating meaningful connections can seem overwhelming, but with some insider tips and proven strategies, it’s possible! 

Let’s explore some of the top networking strategies for international students.

The Importance of Networking for International Students

First, let’s take a look at why it is so important for international students to build long-lasting networks:

1. Access to jobs and internships

Building strong networks can help you discover job and internship opportunities you might not find otherwise.

Your new connections can share insider info, give you referrals, and help you better understand different industries.

2. Cultural exchange and understanding

Connecting with people from diverse backgrounds helps you gain insight into different  traditions, perspectives and cultures. In addition, if you get a job in a different country – having a network of friends who are familiar with the local customs and culture can help you feel more at ease in your new home.

3. Personal and professional development

Interacting with a variety of individuals allows you to learn from their experiences, pick up new skills, and expand your knowledge in your field of study.

Plus, these connections can lead to collaborations and partnerships that can further enhance your career prospects.

4. Mentorship and career guidance

Connecting with experienced professionals in your field can lead to valuable mentorships.  Mentors can offer personalized advice and guidance, help you navigate your academic and professional journey more effectively, and open doors to new opportunities.

5. Support system

Building a network of supportive people can ease your transition to your new school in a new country. 

6. Long-lasting friendships

Networking can lead to lifelong friendships. As you get to know each other more, connect over shared interests or hobbies, and support each other’s endeavors – these relationships help you professionally and add value to your personal life.

Top 10 Ways to Network as an International Student

Now that you understand the importance of networking, let’s look at 10 key strategies you can use to build meaningful and lasting connections:

1. Prepare yourself

Don’t just jump into a conversation with someone randomly. Take some time to prepare yourself – think about what you want to talk about and practice your conversation skills.

If you are planning to join a club or organization, it’s even more important to be well-prepared.

Plan ahead of time and try to have a few conversation starters ready. You can also write an outline of what you are going to talk about and do some research to familiarize yourself with the group or organization.

If you take your time to plan and practice, you will be able to make a positive impression.

2. Develop a personal story

It’s always a good idea to have a story you can share with the people you meet. This helps you stand out and makes it easier to start a conversation.

For example, if you are at an event for international students, try to focus on talking about your experiences in the country. You could share why you chose to study abroad and how that experience impacted your life.

3. Join clubs, organizations and events

Joining a club or other organization is a great way to meet like-minded people with similar interests. When you find yourself surrounded by people with similar backgrounds, passions, and goals, it’s easier to build relationships.

Find out what clubs, career fairs, or organizations your school has to offer and join the ones related to your field of study. Almost every university or college has some kind of club that caters to international students.

Also attend local events related to your field. This will help you make new connections and is a great way to spend your free time and explore the city.

4. Use social media to your advantage

Social media is great for networking and connecting with people from all over the world. Start by joining and interacting with online professional groups related to your field or interests. You’ll have opportunities to showcase your technical and professional skills through these conversations.

LinkedIn is a popular professional and business networking platform that allows you to create meaningful connections and build relationships with professionals around the world.

Comment on posts, ask questions and share your own experiences – all of these things can help you make connections and build relationships.

5. Be ready to ask and answer questions 

Asking questions helps you get to know a person better, and it shows you value them and are interested in what they have to say.

At the same time, be prepared to answer questions about yourself so you can share your experiences and talk about why you chose to study abroad.

By getting to know each other better, you are one step closer to forming a lasting connection. 

6. Learn to listen to others

Listening is an art.  It takes practice. Active listening means paying attention to what the other person is saying, asking thoughtful questions and reflecting back on your understanding of their words.

This will help you form stronger relationships and strengthen your own communication skills.

7. Follow up after your conversation

Once the conversation is over, follow up with a message or an email. This is an excellent way to show you value the connection and are interested in continuing it in the future.

8. Research

Take time to research professors, other students or employers. You’ll gain deeper insight into their background and interests, which can then help make the conversation more meaningful.

Start by using social media platforms such as LinkedIn and Twitter to research their profiles.

By taking the initiative to learn more about people, you will make a better impression and form stronger relationships with the people you meet while studying abroad.

9. Be patient

Don’t expect overnight results. Building meaningful relationships requires effort, and it’s important to give them time to grow and develop.

With patience and perseverance, you can create meaningful connections with people from all over the world.

10. Keep it going 

Lastly, stay in touch with your network. Whether through a quick email or message once in a while, staying connected can help keep the relationships alive and growing.

At the same time, keep looking for ways to connect and build new relationships – whether by attending networking events or joining online groups related to your field of study.

By continually looking for new networking opportunities, you will be able to form more meaningful connections and build a strong network that can benefit you in the long run.


Explore the World of Merit Scholarships

June 27th, 2023 by IEFA

The world of merit scholarships is vast and filled with opportunities to help you achieve your dreams of higher education without financial burdens. In this blog post, we’ll guide you through understanding, finding and applying for merit scholarships.

Key Points:

  • Merit scholarships reward academic achievement, extracurricular activities, leadership skills and community involvement.
  • Researching multiple sources to discover tailored opportunities may increase your chances of securing financial aid for college.
  • Strategies such as selecting the right scholarship, crafting a compelling essay and gathering strong letters of recommendation can help secure merit scholarships.

Table of contents

  1. What is a merit scholarship?
  2. How to find the best merit scholarships
  3. How to successfully apply for a merit scholarship
  4. Maintaining and renewing merit scholarships
  5. Navigating the merit scholarship timeline
  6. Summary
  7. FAQ

What is a Merit Scholarship?

A merit scholarship is a financial award given to college students based on their academic achievements or other talents in a specific field. 

Unlike need-based financial aid, merit-based scholarships are awarded based on academic achievement, extracurricular activities and other criteria, such as leadership skills or community involvement. Merit scholarships are an excellent way to fund your college education. These merit awards can help relieve some of the financial burdens that often accompany a college education, allowing students to focus on their academic success and personal growth.

Merit scholarships come in many forms, from generous scholarships offered by colleges and universities to partial awards provided by private organizations and foundations. To help find the right one for you, let’s dive deeper into the criteria and types of merit scholarships available.

Criteria for Merit Scholarships

The criteria for merit scholarships can vary and generally revolves around a few key factors. Your grade point average (GPA) is often a significant consideration with the minimum requirement usually starting at 3.0, although this may vary. In addition to your GPA, standardized test scores, such as SAT or ACT results, are commonly considered as well.

Beyond academic achievements, merit scholarships also consider your extracurricular activities and demonstrated leadership skills. For example, serving as an officer or team captain in student organizations, sports, honor societies, community groups or jobs can showcase your leadership abilities and increase your chances of securing a merit scholarship. So, make sure you give equal weight to both your academic performance and extracurricular involvement when applying for merit scholarships.

Types of Merit Scholarships

There are several types of merit scholarships available to talented students with a wide range of interests and achievements. Merit scholarships may be offered by colleges and universities themselves, private corporations or foundations, and local or community-based organizations.

The National Merit Scholarship Program is an esteemed program which recognizes the best high school students in the country. Those who qualify are rewarded with scholarships based on their exceptional PSAT and SAT scores. Applicants must satisfy certain criteria to be eligible. They must be U.S. citizens or permanent residents in high school and have taken the Preliminary SAT/National Merit Scholarship Qualifying Test (PSAT/NMSQT) by their junior year.

With various tiers and awards available, the National Merit Scholarship Program is just one example of the many merit scholarships that can help support your college education.

How to Find the Best Merit Scholarships

A little research and persistence will uncover a treasure trove of scholarship opportunities. Always start with your school’s financial aid office. It’s a great resource. Next, search online using a search platform such as IEFA.org  The site lists thousands of scholarships for international students. As you research, you’ll be able to create a list of potential merit awards tailored to your unique qualities and achievements.

Also, apply for partial scholarships. Partial scholarships will only cover a portion of your costs, but there are advantages that make the application effort worthwhile. Partial scholarships outnumber full scholarships. There’s less competition for partial scholarships, so you have a better chance of winning one, and there’s no limit to how many you can apply for. Having multiple partial scholarships can quickly add up.

College and University Scholarships

Start by exploring your college or university’s website. Many institutions offer merit scholarships to incoming freshmen, current students and even graduate students. Some scholarships may be specific to a certain major, while others may cater to students with outstanding achievements in various fields. Be sure to explore pages for specific majors, offices of community or civic engagement, athletics and the arts for more specific awards. 

Reach out to your assigned admissions counselor. Once they get to know you better, they can direct you to opportunities specific to your interests and skills.

Private Organizations and Foundations

Private organizations and foundations also offer merit scholarships with varying eligibility requirements. For example, the Terry Crews “Creative Courage” Scholarship is a $20,000 scholarship designed to support talented artists, while the BTL Athletes Scholarship is a $75,000 merit scholarship available to high school upperclassmen and undergraduate student-athletes from low-income backgrounds.

Search online and check the eligibility criteria of each scholarship before applying. Pay close attention to the application process, which may require a separate application, essays, recommendation letters and other evidence of exemplary performance.

Local and Community-based Scholarships

Local and community-based scholarships can be a hidden gem in your scholarship search. These scholarships may have a lower applicant pool due to their more restrictive eligibility requirements, increasing your chances of success. For example, the Peter T. Buecher Memorial Scholarship is a $1,000 scholarship open to high school seniors or undergraduate students in Minnesota who play sports.

To find local and community-based scholarships, consult with your high school guidance counselors, college financial aid offices and community foundations. They can provide valuable information about scholarships that cater to your interests and achievements, giving you additional opportunities to fund your college education.

How to Successfully Apply for a Merit Scholarship

Applying for merit scholarships can be a competitive process, but with the right strategies, you can increase your chances of success. Next, we’ll go over three key strategies for a successful merit scholarship application: selecting the right scholarships, crafting a compelling essay and gathering strong letters of recommendation.

By employing these tactics, you’ll be better prepared to showcase your unique talents and achievements, making you a strong candidate for merit scholarships. Remember, the key to obtaining any scholarship is adhering strictly to the requirements. If you have any inquiries regarding a scholarship, it’s essential to contact the scholarship coordinator for further information.

Now, let’s dive into each strategy in more detail.

Selecting the Right Scholarships

One of the first steps in applying for merit scholarships is creating a prioritized list of scholarship opportunities. This allows you to allocate your time and effort effectively, ensuring you submit the most competitive applications possible. After creating your list, read the directions carefully, adhere to the instructions and finish the application, including any required essays, interviews, or additional materials.

When searching for local scholarships, make sure you consider those tailored to your individual qualities, such as your interests, achievements, or background. By focusing on scholarships that align with your unique strengths, you’ll maximize your chances of being awarded the financial aid you need to pursue your college education.

Crafting a Compelling Essay

A compelling essay can be the key to standing out in a competitive pool of applicants. Start the writing process early, allowing yourself ample time to reflect on your experiences, research the scholarship provider’s mission and purpose and seek feedback from others. Reading examples of successful scholarship essays can help you craft a personal and captivating essay.

In your essay, focus on any skills, talents, or unique experiences that differentiate you from other applicants, such as your personal experiences, achievements, or aspirations. By crafting an essay that showcases your unique qualities and aligns with the provider’s goals, you’ll increase your chances of securing the merit scholarship you desire.

Gathering Strong Letters of Recommendation

Letters of recommendation are a crucial component of most merit scholarship applications, as they attest to your capabilities and potential. Consider asking individuals who know you and your talents, such as teachers, coaches, high school counselors, extracurricular advisors, job supervisors or members of church or community organizations.

It’s essential to submit your recommendation and nomination requests at least one month prior to application deadlines, and early submission is encouraged. By allowing ample time for your recommenders to craft thoughtful and compelling letters, you’ll enhance your chances of securing the merit scholarship you seek.

Maintaining and Renewing Merit Scholarships

Once you’ve been awarded a merit scholarship, it’s important to understand the requirements and strategies for maintaining and renewing your scholarship. By keeping track of renewal requirements and implementing strategies for continued success, you’ll ensure you remain eligible for financial aid throughout your college education.

In this section, we’ll discuss the importance of adhering to scholarship renewal requirements and share strategies for ongoing success to help you make the most of your merit scholarships.

Scholarship Renewal Requirements

The renewal requirements for merit scholarships can vary and typically include maintaining a certain GPA, completing a minimum number of credit hours and demonstrating satisfactory academic progress. For example, a scholarship might require a minimum GPA of 3.0 and the completion of at least 12 credit hours per semester.

It’s crucial to stay informed about the renewal requirements of your specific scholarship to ensure you remain eligible for financial aid. By diligently maintaining your academic performance and adhering to the established criteria, you’ll be well-positioned to renew your merit scholarship and continue benefiting from its financial support.

Strategies for Continued Success

To maintain success with merit scholarships, it’s essential to adhere to deadlines, maintain a high GPA and consider applying for additional private scholarships. By staying organized, prioritizing your academic performance and exploring additional funding opportunities, you’ll increase your chances of continued success in your college education.

Also, don’t forget to keep up with any continuing requirements from your school’s financial aid office and participate in extracurricular activities that showcase your commitment and leadership abilities. By staying proactive and consistently striving for excellence, you’ll be well-equipped to maintain and renew your merit scholarships throughout your college journey.

Navigating the Merit Scholarship Timeline

Consider the merit scholarship timeline when applying for and maintaining scholarships. Research application deadlines, notification timelines and acceptance timelines, so you’re well prepared to submit competitive applications and manage your financial aid effectively.

Application Deadlines

Timeliness is paramount when applying for merit scholarships. Application deadlines vary with each scholarship, so it’s essential to check the scholarship’s website for their deadlines. For example, the GE Foundation Engineering Scholarship Program for Freshmen has a deadline of early May, while the Ronald McDonald House Charities Scholarship usually requires applications to be submitted by the end of January.

To ensure you submit your applications on time, start the application process at least four months prior to the earliest deadlines. This will give you ample time to collect the necessary materials, write compelling essays and gather strong letters of recommendation.

Notification and Acceptance Timelines

The notification and acceptance timelines for merit scholarships varies depending on the particular scholarship and the institution offering it. Generally, you can expect to hear back about your application one to three months following the submission deadline.

By being aware of these timelines, you can plan accordingly and ensure you’re prepared to accept any scholarship offers you receive. Additionally, staying informed about the notification and acceptance timelines will help you manage your financial aid effectively and make well-informed decisions about your college education.

Summary

In conclusion, merit scholarships offer a wealth of opportunities for talented students to fund their college education while being recognized for their academic achievements and extracurricular involvement. By understanding the criteria and types of merit scholarships, researching and applying for the best opportunities and maintaining and renewing your scholarships, you can pave the way for a bright and successful academic future. So, go ahead and explore the top merit scholarships for 2023.  Your journey to academic excellence and financial freedom awaits!

Frequently Asked Questions

What is a good GPA for merit scholarships?

Maintaining a GPA of 3.5 or higher is usually required to qualify for merit-based scholarships, and a GPA of 3.75 or higher will make you a very competitive candidate.

What award amounts might I expect?

Merit-based scholarships vary greatly but generally range from $1,000 at state schools to full rides worth as much as $35,000 annually. The Davidson Fellows Scholarship, one of the most competitive undergraduate scholarships in the world, awards up to $50,000. The average award amount is around $5,000, making this an excellent opportunity for students seeking financial support for their educational expenses.

Scholarships can be a great way to help pay for college, and merit-based scholarships are a great option for students who have achieved academic success. With the right research and application process, students can find scholarships that can help them cover the costs of their studies.

Does a merit scholarship mean a full-ride?

No, a merit scholarship typically does not provide full funding for tuition and other college expenses. While merit scholarships can help offset the cost of attendance, they are highly competitive and require applicants to demonstrate outstanding academic achievements or other talents in a specific field. Multiple partial scholarships could provide the funding you will need.

What is an academic scholarship?

An academic scholarship is a financial award given to students based on their academic achievements or other criteria such as financial need. These scholarships are typically provided to support the student’s education and can be used for tuition, fees, books and living expenses.


The Benefits of Studying in the U.S.

May 29th, 2023 by IEFA

Thousands of international students are drawn to the United States every year because of its educational opportunities.

American universities offer a wealth of resources and opportunities for students to learn, grow, and gain valuable experience.

Let’s find out what makes America different from other countries and what advantages it offers international students.

What are the Benefits of Studying in America?

Top Educational Institutions

Studying in the U.S. means access to some of the best universities in the world. U.S. universities are known for their high academic standards, top-notch research facilities, and modern technology. Some of the top universities in the world, including Harvard University and Stanford University, to name just two, are located in the U.S. 

Vibrant Campus life

Thanks to the diverse student community, international students can enjoy a vibrant social life while studying in the U.S. Campuses are full of activities and events to suit different interests. From career fairs to student groups to sports teams, there’s something for everyone. You won’t feel like an outsider and will have plenty of opportunities to meet other people from around the world.

Interesting Student Lifestyle

Studying in the U.S. is not just about academics, it’s also about developing your own personal and professional skills. You will meet other students who hail from different communities, countries, and backgrounds. You can use this opportunity to learn more about the world, understand different cultures, and develop friendships with other students from around the globe. Your fellow students can be a valuable resource for networking and support.

Networking Opportunities

Networking is key if you want to fulfill your personal and professional goals. You can join student groups, participate in career fairs, and attend seminars or conferences to meet people who may help you in your future endeavors.

If you take these opportunities you may be able to meet different employers, CEOs, and other influential people who can help you build a successful career.

World-Class Faculty

U.S. universities offer a wide range of courses and programs taught by faculty members who are experts in their fields. Whether you are studying engineering, medicine, or business, you will be learning from some of the best minds in the world. You will have access to extracurricular activities, internships, English language skills, and other experiential learning opportunities that can help you further develop your skills.

Access to Hands-On Experiences

You can take advantage of hands-on research opportunities, cultural trips, and more. You could also gain access to some of the most prestigious companies in the world for internship opportunities. This is invaluable when it comes to getting your first job after completing your studies as an international student.

Access to Scholarships and Financial Aid

Yes, it’s true that studying in the U.S. can be expensive, but don’t let that discourage you. There are many scholarships and financial aid opportunities available to international students. You can apply for university-specific scholarships, or private grants and loans to help cover your tuition costs.

Unique Cultural Experiences

Your international experience in the U.S. will be unlike any other. You will have the chance to try different cuisines, explore new cities and states, and attend festivals or events that you would not be able to experience anywhere else in the world. This is a great way to immerse yourself in American culture and develop a better understanding of this amazing country. From native speakers to foreign cultures, you will gain a better understanding of the world and expand your global network.

Language Immersion Opportunities

Studying in the U.S. will also give you a chance to improve your English language skills. You can take intensive courses or join conversation groups to practice and become fluent in the language. There are even programs available where international students can be paired with native speakers for language exchange opportunities. This is a great way to not only improve your language abilities but also to develop relationships with Americans.

Improved Career Prospects

Many employers around the world prefer to hire those who have had international experience. An American degree will give you a competitive edge, allowing you to demonstrate that you have acquired the skills and knowledge needed for success in today’s global economy. You will be able to move forward in your career and find rewarding opportunities both in the U.S. and abroad.

Studying in the U.S. or Canada can offer a high ROI for international students. According to salary surveys such as Glassdoor, and data provided by universities, the return on investment is clear. Take Musa, for example, a Ghanaian Junior Business Analyst earning less than $6,000 a year, could potentially secure an income in excess of $100,000 per year after an MBA.


Studying in America is more than just learning—it’s an opportunity to gain valuable life experiences and develop yourself both academically and professionally. With the right preparation, international students can make the most of their experiences in the U.S. and use them to build a successful future. So if you’re looking for an educational experience that will open doors to new opportunities, consider studying in America.

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What You Should Know Before Purchasing Health Insurance as an International Student in the U.S.

May 24th, 2023 by IEFA

Prior to joining a university in the U.S., it’s crucial for international students to check for medical insurance requirements. Many U.S. institutions mandate health coverage for enrollees.

Some institutions may offer their health insurance coverage to students, while some require students to find their insurance policy from a private insurance company before enrolling. Before an international student gets a health insurance policy, they should consider the following:

  • Requirements of the visa category
  • If the school or university has a required medical insurance policy or certain requirements that must be met
  • Other medical requirements an international student health insurance policy should cover

How Does International Student Health Insurance Work in the U.S.?

International student health insurance provides coverage for unexpected illnesses or accidents. Safeguarding one’s wellbeing is paramount, and health insurance serves as a safety net for students by providing reassurance.

Medical insurance for students in the U.S. differs from other countries that have universal or nationalized healthcare systems.

Students who require health insurance must apply for private health insurance or check whether their university offers school-sponsored plans. It is highly recommended for international students in the U.S to purchase health insurance to avoid skyrocketing medical expenses in the event of an illness.

International student health insurance plans typically cover a range of medical costs, including doctor fees, hospital stays, and associated expenses. 

What Are the Health Insurance Options for International Students in the U.S?

Here are some types of health insurance options for international students in the U.S.:

Mandatory School-Sponsored Insurance Plans

Some institutions require international students to purchase an insurance plan of the school’s choice. The school determines the insurance coverage and requires students to enroll in the plan. Other schools may have a school insurance plan, but allow students to choose an alternative provider for their coverage.

To waive the required insurance plan, a student should provide sufficient proof to show adequate insurance coverage through sponsorship by an employer, government, or spouse. The school might allow for the alternative plan if it meets the school’s requirements. This is an excellent way to save money on the cost of your insurance, so you should check your options at International Student.

Optional School-Suggested Insurance Plans

Some universities may not mandate international students to enroll in their insurance program, but have an optional plan that allows students to select a health insurance policy that best fits their needs. Students can evaluate and compare the advantages of several insurance plans before making a decision. Some schools that fall into this category will provide a list of “approved” plans that students can choose, or a list of benefits that must be met with the plan of your choice. 

International Student Visa Plans

Visitors on J visas must meet specific medical insurance requirements mandated by the government. Some universities may impose student visa insurance requirements on students with other visa types.

J-1 Visa

A J-1 visa is an exchange program visitor or non-immigrant visa category for a person to study or work in the U.S. The U.S. Department of State requires exchange program students and scholars to have medical insurance during the period of the program that meets the following:  

  1. Medical benefits of at least $100,000 per accident or illness
  2. Repatriation of remains coverage of at least $25,000
  3. Medical evacuation coverage of the J1 visitor to his or her home country in the amount of $50,000
  4. A deductible of $500 per accident or illness or less
  5. A policy underwritten by an insurance carrier with:
    1. an A.M. Best rating of ‘‘A-’’ or above;
    2. a McGraw Hill Financial/Standard & Poor’s Claims paying ability rating of ‘‘A-’’ or above;
    3. a Weiss Research, Inc. rating of ‘‘B+’’ or above;
    4. a Fitch Ratings, Inc. rating of ‘‘A-’’ or above;
    5. a Moody’s Investor Services rating of ‘‘A3’’ or above;

F-1 Visa

If you hold an F-1 visa, it’s important to note that while international student insurance is not mandatory at the federal level, your institution may still require it. In some instances, you may be asked to purchase F-1 visa health insurance that complies with your school’s regulations. It’s worth mentioning that alternative options exist, and many students have the option to opt-out of their school’s insurance plan in search of more affordable coverage.

Benefits of Health Insurance for International Students in the U.S.

Medical insurance for international students allow international students to access proper and affordable medical treatment, and may include coverage of:

  • Proper and affordable medical treatment
  • Medical bills during any emergency
  • Hospital and medicine costs
  • Emergency medical evacuation

In addition:

  • Mental health care insurance plans cover therapy and counseling bills
  • Some health insurance plans cover other pre-existing conditions.

Factors To Consider When Choosing an International Student Health Insurance Plan

Before finding an international student insurance plan, it is important to consider the following factors:

  • Check the federal insurance requirements of your visa type.
  • Check the school requirements. You can contact your school to confirm their insurance before you enroll.
  • Check if the university allows you to find an alternative provider to their suggested plan.
  • Compare different insurance providers. Check the price to ensure it fits your budget and offers substantial coverage.
  • Ensure you are eligible for the plan’s benefits and exclusions.
  • Check out insurance companies that offer international students health insurance in the U.S.
  • If needed, establish if you can add any dependents to your coverage.

References

https://isso.ucsf.edu/j-visa-health-insurance-requirements-and-options#:

https://www.usnews.com/education/best-colleges/articles/2019-02-12/what-international-students-should-know-about-health-insurance-in-the-us

https://iss.washington.edu/resources/health-insurance/

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The Benefits of Studying Business, Economics, and Technology in the U.S.

April 28th, 2023 by IEFA

Are you considering studying business, economics, or technology in the United States? If so, you are making an excellent decision. Studying these fields can open up a world of career opportunities and provide access to some of the most advanced educational programs in the world. Not only will you gain valuable knowledge and skills that employers highly value but also have access to resources such as internships and networking events. In this blog post, we’ll explore the benefits of studying these programs in the U.S. as well as qualifications needed to pursue a degree in these areas. We’ll also look at why employers will be impressed by those with degrees in these topics and how students can benefit from studying abroad in the U.S. So read on for more information!

The intersection between business, economics, and technology

If you’re an international student considering studying in the U.S., it’s important to have an understanding of the intersection between business, economics, and technology in the country. The U.S. is a global leader in these areas, with many of the world’s top companies and institutions headquartered within its borders. From Silicon Valley’s groundbreaking tech startups to New York City’s bustling financial district, the country offers plenty of opportunities to explore the latest innovations in these fields. However, it’s worth noting that navigating the complex business and economic landscape in the U.S. can be challenging even for American students. As an international student, it’s important to be prepared to put in the extra effort to stay informed and on top of the latest trends and developments. By doing so, you’ll be well-positioned to thrive and succeed in this exciting and dynamic environment.

Studying in the U.S. as an international student can be a challenging yet rewarding experience. Apart from excelling academically, international students also have to navigate the job market to gain valuable experience and network with industry professionals. Luckily, there are various opportunities available for networking and internships that cater specifically to international students in these fields. From campus career fairs to internships at top companies, international students have ample opportunities to gain hands-on experience, build professional connections, and enhance their resumes. These experiences not only build practical skills but also pave the way for future career success. So, if you’re an international student studying business, economics, or technology, take advantage of these resources to set yourself up for a bright future in your chosen field.

Pursuing a degree in either business, economics, or technology in the U.S. requires certain qualifications that will help prepare you for the coursework and career opportunities that come with it.

Qualifications required

Generally, you will need a high school diploma or equivalent to apply for undergraduate programs. Strong critical thinking, analytical and problem-solving skills, as well as excellent communication and teamwork abilities, are some of the essential traits that universities look for in prospective students. Additionally, proficiency in mathematics and computer programming languages will be particularly useful in economics and technology majors. Keep in mind that many programs may have specific requirements, such as completed prerequisite courses or certain standardized test scores, so it’s essential to research and understand each school’s expectations before applying. With dedication and preparation, pursuing a degree in this dynamic field can pave the way for a rewarding and successful career path.

Benefits of studying abroad in the United States

Studying abroad is an exciting opportunity for students looking to broaden their horizons and gain a unique academic and cultural experience. The United States is a popular destination for international students seeking higher education because of the prestigious universities and the diverse student body. In addition to gaining an internationally recognized degree, studying in the U.S. provides a chance to improve language skills, develop a global perspective, and expand professional networks.

Living in a new country can also enhance personal growth by building self-confidence, fostering independence, and facilitating personal discovery. International students can engage in campus activities, explore new cities, and immerse themselves in American culture. Whatever you study, doing so in the United States can be a life-changing experience that opens doors to new opportunities and broadens students’ horizons.

Why employers will be impressed by those with a degree in business, economics, or technology

Earning a degree in business, economics, or technology goes beyond simply obtaining a piece of paper. These degrees provide individuals with a wide array of skills that are vital for success in today’s job market. Employers will be impressed by those with a degree in these fields because these individuals are equipped with necessary knowledge and expertise. For instance, a business degree arms graduates with financial, marketing, and management skills that are essential for any company. An economics degree provides graduates with a deep understanding of how economies work, making them an asset in fields such as banking and finance. Lastly, a technology degree offers individuals the expertise to work with technological tools and software that are crucial in today’s digital age. These skills are not only sought after by employers but are essential to thriving in today’s economy. Overall, a degree in business, economics, or technology is an investment in oneself that can lead to lasting career success.

The Advantages of Studying Business and Economics in the U.S.

Studying Business and Economics in the United States can provide numerous advantages to students seeking to advance their careers in these fields. With a strong emphasis on innovation and entrepreneurship, U.S. universities offer a diverse range of courses that are designed to equip students with practical skills and knowledge necessary to succeed in the global business environment. Additionally, studying in the U.S. provides exposure to some of the world’s largest companies and economic hubs, such as Silicon Valley and Wall Street. Through internships and networking events, students can gain valuable hands-on experience and build professional connections that can be beneficial in their careers. Finally, studying abroad in the U.S. can offer a unique cultural experience, helping students develop a broader perspective and enhance their communication skills in a globalized world. Overall, studying Business and Economics in the United States offers a comprehensive and immersive education that can greatly enhance one’s professional and personal growth.

The Career Prospects After Completing a Degree Program in Business or Economics

Business and economics are two of the most popular degree programs among students seeking a prosperous career. These fields offer a diverse range of career opportunities that continue to grow with the expansion of globalization and digitalization. A degree in business or economics can lead to careers in finance, marketing, consulting, entrepreneurship, and many more fields. Graduates can also work in the public sector, including government agencies and nonprofit organizations. The job market is competitive, but graduates with a solid academic record, relevant experience, and networking skills can find rewarding careers. An advanced degree in business, such as an MBA, can further boost job prospects and earning potential. With the right education and skills, a degree in business or economics can lead to an exciting and prosperous career.

How You Can Benefit From Studying Technology in the U.S.

In today’s ever-changing world, technology continues to play an increasingly crucial role in our lives. Whether it’s in the workplace, education or in our daily routines, technology is everywhere. That’s why studying technology in the U.S. is so beneficial. By studying technology, you’ll gain valuable skills that can be applied in a multitude of industries, such as software development, cybersecurity, and web design. Not only will this make you more marketable to employers, but it will also give you the opportunity to contribute to cutting-edge developments in your field. Plus, with the tech industry continuing to grow at an exponential rate, there will always be a high demand for skilled workers – meaning that you’ll have a solid career path with plenty of opportunities for advancement. By studying technology in the U.S., you’ll gain valuable knowledge and skills that will set you up for a successful future.

The Opportunities Available for Students with a Background in Technology

In today’s fast-paced digital age, the opportunities for students with a background in technology are more abundant than ever before. The field of technology spans across a vast array of industries, providing endless job options for those who have a strong understanding of technology. From developing software applications and creating online platforms to designing and implementing tech-infused marketing strategies, the possibilities are certainly exciting. Careers in technology offer versatility, a competitive salary, and a multitude of opportunities for professional growth. Companies are always seeking new talent with fresh ideas and innovative approaches to tackling business challenges. Whether you are interested in computer programming, data analytics, or any other tech field, the opportunities for growth and success are endless.

What You Need to Know Before Making A Decision on Which Field to Pursue

Choosing a field of study can be a daunting task, especially when considering the vast number of options available. When considering business, economics, or technology, there are a few key factors to keep in mind. Business programs often focus on management, marketing, and entrepreneurship. Economics programs dive deeper into topics such as market trends, financial systems, and global economic policies. Technology degrees offer a more specialized education in areas such as software development, data analytics, and cybersecurity. It is important to consider your personal strengths and interests, as well as job market demand, before making a decision. Each field offers unique benefits and job opportunities, so it is essential to do thorough research and explore your options before making a commitment.

Resources to Help with Financing Your Education

Financing an education in the U.S. as an international student can be challenging, but there are resources available to help. Private student loans are an option for those who need to cover tuition costs but may not qualify for federal financial aid. However, it’s important to keep in mind that private loans often come with higher interest rates and repayment terms. Scholarships are another great option, and there are many specifically geared towards international students. These scholarships can cover not only tuition but also living expenses. It’s recommended to start researching and applying for scholarships as early as possible, as some may have strict deadlines. With perseverance and a bit of research, financing your education in the U.S. as an international student is definitely possible.


Dealing With Homesickness

April 26th, 2023 by IEFA

Feeling homesick is an inevitable part of studying abroad. When you visit a new environment, you may feel overwhelmed and lonely. It is important to remember that these feelings are normal and they will pass with time.

While college students may feel homesick at times, leading to feelings of anxiety and mental distress, overcoming it can reveal the true rewards of being an international student. Embracing the journey offers countless opportunities for enjoyment and personal growth.

It’s okay if you are missing home, but it’s important to stay positive and find ways to manage homesickness and enjoy the experience of being abroad.

In this article, we share some tips on how to manage homesickness while studying abroad.

1. Stay Connected With Your Loved Ones

It’s important to stay connected with your loved ones back home. Text, call, or video chat with family and friends regularly to stay in touch with what’s happening at home.

It can also be helpful to join a Facebook group for international students studying in the same city as you. This will help you build a sense of community and make new friends.

2. Get Involved in Local Activities and Local Culture

Immersing yourself in the local culture is a great way to feel less homesick. Join clubs or activities that interest you, such as sports teams, art classes, language lessons,., or explore the city by attending events like festivals or concerts.

Joining a local organization is also a great way to make friends and build relationships. It could be a summer camp or internship, the goal is to get out and explore your new environment. Get out of your comfort zone and embrace your new surroundings!

3. Make Time for Self-care

If you are feeling sad and homesick, it is important to take care of your mental health. Take time for yourself and do things that make you feel good.

This could include going for a walk, listening to music, or engaging in some type of creative activity. For most students, studying abroad is a once-in-a-lifetime experience – make sure to enjoy it!

4. Reach Out To Your University Support Network

Your university may offer counseling services or support groups for international students. Don’t be afraid to reach out if you are feeling homesick or need help with anything. The staff at your university will be more than happy to provide assistance and resources.

Colleges want their students to be successful and they will do their best to help you adjust. Find a counseling center or international student office at your university and make an appointment!

5. Talk to New People and Make New Friends

What makes homesickness worse is feeling alone, so it’s important to make new friends and build relationships with people in your host country. Talk to people in your classes, join clubs or activities – be open and friendly, and don’t be afraid to put yourself out there!

If you are finding difficulty concentrating or feeling overwhelmed, it could be a good idea to get a mentor. Find someone who has already been through the same experience and can provide advice and support.

6. Find a New Hobby

Studying abroad is a great opportunity to pick up a new hobby or skill. Taking on a new activity can help keep you busy and make you feel more connected with your host country.

Sign up for classes in music, art, cooking, language lessons, sports – anything that interests you! This will also give you an opportunity to make new friends and build relationships.

Dealing with homesickness is a normal part of the international student experience. With these tips, you can learn to manage your homesickness and enjoy your time studying abroad. Take your time and don’t rush into things – eventually, you will adjust to your new home and build a community of friends and connections. Good luck!

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Exploring Different Credit Card Options for International Students in the U.S.

March 22nd, 2023 by IEFA

The overall process of obtaining a credit card as a non-citizen in the United States can appear daunting, especially without a Social Security number. However, international students can get credit with credit cards without needing social security information. Here, we’ll provide more on different credit card options for non-citizen students in the U.S.

The key to acquiring student credit cards in the U.S. is knowing which cards you’re eligible for and understanding their requirements. Before we look at the different international student credit cards available, let’s look at the challenges non-citizen students face when getting a credit card!

Challenges to Overcome When Acquiring a Credit Card

First, you need to look at the requirements set by the credit issuer carefully and thoroughly because the requirements for each credit issuer vary. For instance, most credit companies in the U.S. require a social security number, whereas others waive this requirement. Holders of F-1 or J-1 visas can apply for a social security number via the Social Security Administration (SSA) to ease the process of acquiring a credit card.

Another challenge international students encounter is the need for a bank account in the U.S. Before getting a credit card, you need to open an account. Obtaining a bank account in the U.S. makes it easier to manage and keep track of personal finances. For example, you can easily monitor what you have and what you owe.

Let’s dive in!

Best Credit Card Companies for International Students

Non-citizen students pursuing higher education in the U.S. can get credit cards without a Social Security number or extended credit history from the card issuers. Below are credit card options you can consider:

Deserve EDU Mastercard

The Deserve EDU Mastercard is an excellent option for students because it doesn’t require applicants to provide a Social Security Number. The credit card is best for Amazon Prime benefits, and other perks such as:

  • Up to US$59 in Amazon Prime Student subscription reimbursement upon spending $500 on your card in three billing cycles of account opening
  • 1% back in rewards for each dollar spent
  • No foreign transaction fees
  • No security deposit
  • No annual fee
  • 20.99% variable APR

Generally, the Deserve EDU Mastercard for students won’t charge any security deposit or annual fee. In addition to the benefits mentioned above, students are also eligible for US$30 in rewards for every referral.

Petal-2 Visa Credit Card

International students can acquire a Petal-2 visa credit card from WebBank. You can apply for a credit card without a Social Security number. However, you must provide an Individual Taxpayer Identification Number (ITIN). ITIN is a federal income tax reporting requirement for non-citizens and international students.

International students with ITIN can apply for Petal-2 Visa Credit Card and begin earning 1% back on total spending. Continued use of the card increases the cash back to 1.25 percent in six months and 1.5% after 12 months of on-time payments.

Petal-2 visa credit card comes with a minimum credit limit of US$300 up to US$10,000, depending on creditworthiness. The credit card is user-friendly as it doesn’t charge an annual or foreign transaction fee. Above that, the company has a mobile app that allows you to pay on the go and keep track of your spending. Petal-e visa credit card is best for a flat cash back reward.

Why consider this credit card:

  • 15.24% to 29.24% variable APR
  • No security deposit needed
  • 1-1.5% cash back on transactions upon making on-time payments
  • 2-10% cash back at select merchants

Capital One Quicksilver Student Cash Rewards Credit Card

Are you looking for a credit card for your everyday spending? Look no further than Capital One Quicksilver student cash rewards offering enticing 1.5% cash back on all everyday purchases. The credit card launched in August 2021, and international students can apply with an ITIN rather than using a Social Security Number. In addition, credit cards are accessible for students with fair credit bureaus.

The Capital One Quicksilver Student Cash Rewards offers one of the most competitive reward rates on the student credit card. Cardholders are eligible to earn a flat 1.5% cash back. You can choose varying options in which you prefer to receive your cash back rewards. Options available include gift cards, checks, statement credits, or applying rewards directly to new purchases.

Why choose it:

  • 16.49% to 26.49% variable APR
  • No foreign transaction fees
  • No annual fee
  • Unlimited 1.5% cash back on daily purchases

Capital One SavorOne Student Cash Rewards Credit Card

The Capital One SavorOne Cash back reward launched in August 2021 and is an excellent option for students seeking to incorporate credit cards in dining and entertainment. International students can acquire a credit card with an ITIN.

The credit card offers 3% cash back on select categories, including entertainment, streaming services, dining, and grocery stores (excluding Walmart and Target).

Apart from rewards from select merchants, the Capital One SavorOne reward for students integrates unlimited 1% cash back on general purchases. In addition, students can build up cash rewards for an extended time since the cash back rewards generated with Capital One credit cards don’t expire.

Why select it:

  • 16.49% to 26.49% percent variable APR
  • No foreign transaction fees
  • No annual fees
  • 1% cash back on general purchases
  • 3% cash back on dining, grocery stores, entertainment, and streaming services

Journey Student Rewards from Capital One

International students in America can apply for the Journey Student Rewards from Capital One using an ITIN in lieu of a Social Security number. Cardholders receive 1% back in rewards. Additionally, they can enjoy 1.25% back once they process their credit card bill on time.

International students can benefit from this credit card that features no foreign transaction fee/ annual charge. In addition, Capital One usually reviews the credit card account for credit line increases after six months of purchase activity.

Why choose it:

  • 26.99% variable APR
  • No foreign transaction fees
  • Offers unlimited 1% perks back on all spending (get 1.25% on on-time credit bill payment)
  • Unlimited 5% cash back on bookings (hotel and rental cars) via Capital One Travel.

Chase Freedom Student Card

Non-citizen students can apply for a Chase freedom student credit card using an ITIN without providing a Social Security number. The credit card offers flat 1% cash back on daily spending. Card owners can also enjoy 5% cash back on Lyft and a US$50 sign-up bonus upon initial purchase after opening the account.

The Chase Freedom credit card for students charges a 3% foreign transaction fee, unlike other credit cards with free foreign transactions. However, international students can access their credit scores for free with Chase’s Credit Journey program and the card has no annual fee. In addition, you’ll earn US$20 in Good Standing Rewards yearly for the account anniversary.

Why choose this credit card:

  • 16.49% variable APR
  • No annual fee
  • 1% cash back on all spending
  • US$50 bonus upon making your first purchase within three months of opening the account
  • US$20 credit for accounts in good credit standing every year (for five years).

Tips to Get a Credit Card as an International Student

Some practices can optimize your chances of obtaining a credit card for international students. 

  • If you’re applying for a United States based credit card, wait until your arrival in the U.S. This is because most U.S. credit cards require a stateside address for approval.
  • While applying for credit cards in your home country, ensure the credit card option doesn’t charge foreign transaction fees.
  • Apply for an Individual Taxpayer Identification Number (ITIN). An ITIN can increase your options of getting a United States credit card, especially if you lack a Social Security Number (SSN).
  • Check your eligibility for a Social Security number. International students with F-1 visas can access SSNs. In addition, the U.S. Department of Homeland Security provides relevant information on its webpage for international students.

Benefits of Having a Student Credit Card

Students studying abroad can garner many benefits from a credit card. Below are some of these benefits;

  • Build a good credit history through on-time repayments
  • Learn financial discipline/how to use money
  • Excellent backup plan
  • Avoid overdrafts
  • Gain rewards/perks

 FAQs

Can an International Student Get a Credit Card in the U.S.?

International students are eligible for credit cards if the credit card issuer accepts Individual Taxpayer Identification Number (ITIN) to substitute Social Security number. Students with limited credit history may need additional consideration for approval for credit card applications, i.e. cosigner, proof of income, etc.

Which Credit Card is Best for International Students?

The best credit card for non-citizen students studying in the United States is one that provides high rewards on purchases, charges no foreign transaction fees, and is eligible for students without a Social Security number. Examples of such cards include: Deserve EDU Mastercard, Capital One SavorOne rewards for students, and Capital One Quicksilver reward credit cards for international students.

Can an International Student Get a Credit Card without an SSN?

Yes. Some credit card companies accept ITIN as a substitute for Social Security numbers for international student credit card applications.

Which Credit Card is Best for International Students in the U.S. without an SSN?

Credit card companies such as Capital One, Discover, and Chase issue credit cards to international students without SSNs. International students without SSNs can consider students credit card issuers who accept ITIN instead of SSNs.


Before selecting a particular credit card company, weigh the options available. Different credit card issuers integrate a varying set of requirements and rewards. International students seeking the best credit card can consider companies like Discover, Capital One, Deserve, and Bank of America. Wrapping up, ensure you choose the best option for you!

*Information accurate as of March 2023

Resources

https://www.forbes.com/advisor/credit-cards/best/student/

https://educationusa.state.gov/your-5-steps-us-study/apply-your-student-visa/short-term

https://www.wes.org/advisor-blog/building-your-credit/

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International Student Credit Cards in the U.S. 

March 20th, 2023 by IEFA

Credit cards are some of the best financial tools available to international students in the U.S. You can have access to cash during emergencies or take advantage of rewards or cash-back programs to save money. With so many options available, it is important to select the right card for your needs.

In this article, we will be sharing everything you need to know about selecting the best credit cards for international students in the US.

How Do International Student Credit Cards Work?

Like with any credit card, this type of card allows you to make purchases, earn rewards and even withdraw cash from ATMs when necessary.

However, international student cards are designed specifically for non-US citizens studying in the US. Some of these cards allow you to transfer funds from your home country with no added fees, making them a great option for international students. With these benefits, international students have the opportunity to experience financial independence during their time studying abroad.

No matter how many benefits a credit card offers, if you don’t use them responsibly, you can end up with a pile of debt. That is why it’s important to know the features and benefits that come with any credit card before signing up, and to use them responsibly.

What Are the Benefits of an International Student Credit Card?

Here are some of the benefits of using an international student credit card:

Access to Cash: Credit cards can be a great financial security blanket. With the ability to access cash from ATMs worldwide, you’re never too far away from help in case of an unexpected emergency or everyday purchase. Just keep in mind that some may charge a fee for utilizing this feature – so make sure to check terms before using this facility.

Lower-Interest Rates: International student credit cards offer the perfect solution for those studying abroad – not only do they provide more flexibility with their global acceptance, but also boast lower interest rates than many traditional credit cards.

Rewards and Cash-Back Programs: Most secured credit cards come with rewards or cash-back programs that allow you to earn cash rewards or points for every purchase you make. You can then use these points to get discounts on future purchases or even redeem them for products and services.

Credit Building: One of the best parts of having a credit card is that it can help you build your credit. By making timely payments and staying within your credit limit, you can slowly increase your credit score over time. This is great news for international students who may not have a lot of options when it comes to building their credit in the US.

*Note: Just as we mentioned earlier, the risks of having a credit card cannot be overlooked by the benefits mentioned above. It is important to use your credit card responsibly and not overspend, or you may end up in a lot of debt.

Things to consider when shopping for international student credit cards

Now let’s look at some of the factors you should consider when shopping for one of these credit cards.

Annual fee

Annual fees are the price that you pay to use and maintain the credit card. Most credit card issuers, however, don’t charge annual fees for an international student credit card. If a card does have an annual fee, make sure you read the terms and conditions carefully to ensure that it is worth paying.

Foreign transaction fees

A foreign transaction fee is a fee you pay for using your credit card in a different country. Most international student credit cards do not have a foreign transaction fee, so make sure to check this before signing up for a card.

Credit limit

One downside of secured credit cards is that the credit limit can be quite low, making it hard to make large purchases. But since you are a student, you might not need a large credit limit. If you still need a higher credit line, make sure to talk to the card issuer and see if you can increase your credit limit.

Rewards/cashback

Just as we mentioned earlier, most credit card companies offer rewards or cash-back programs for international students. This is a great way to save money on future purchases or even redeem them for products and services. However, make sure to read the terms and conditions carefully before signing up for any rewards program!

Security deposit

Since it’s a secured credit card, you have to provide a security deposit when you sign up. This amount is usually determined by the card issuer, so make sure to ask about this before signing up. On average, it’s around $500 to $2,000.

Your needs/spending habits

Make sure to consider your own needs and spending habits when looking for the best international student credit card. After all, it’s important to find a card that fits your lifestyle and budget. Make sure to follow a budget and only use a credit card when absolutely necessary.

Requirements

Every credit card company is different and has different requirements for international students. For example, some companies might need you to submit your SSN to apply for a credit card, while others might just need copies of your passport and visa. Some might also require you to submit your individual taxpayer identification number (ITIN). Make sure to read the requirements for each card carefully before applying.

Your credit history

One of the major requirements for getting approved for a credit card is having a good credit history. If you don’t have any credit history, make sure to start building yours by making small purchases and paying them off on time. Credit bureaus like Experian and TransUnion can be a great way to check your credit score and make sure it is up to date.


These are some of the factors you should consider when shopping for a student credit card. Make sure to do your research, compare different cards, and read the terms and conditions carefully before signing up. And remember, use your credit card responsibly, and don’t overspend! Good luck on your journey to building a strong credit score and financial future in the US.

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Health Insurance Plans for International Students: Finding the Right Plan for You

March 16th, 2023 by IEFA

Having health insurance coverage is essential for any international student. Health insurance coverage can save you money on medical expenses in case of an illness or injury and provide peace of mind that you are covered in case something unexpected happens.

Finding the right insurance for international students can be a bit tricky.

In this article, we’ll break down everything you need to know to find the best international student insurance plans. If you are planning to study abroad, this article is for you!

What is International Student Health Insurance?

International student health insurance is a type of insurance plan designed specifically for international students studying in another country.

The coverage can vary by insurer, but typically includes medical expenses related to an illness or injury and usually includes important benefits like evacuation and repatriation coverage. Some policies may also include vision and dental care, mental health services, and prescription drug benefits.

Having a good student health insurance plan is important for international students because it can help cover the costs of medical care should an illness or injury occur. It also provides peace of mind knowing that you are covered in case something unexpected happens.

How Does International Student Insurance Work?

Just like other student health insurance plans, international student insurance plans work by paying a premium and then being reimbursed for eligible medical expenses up to the coverage limits of the policy.

Premiums are typically based on factors such as age, location of coverage, and sometimes health status, so it’s important to shop around to find a plan that fits your budget and meets your needs.

When choosing an international student insurance plan, it’s important to read the policy details carefully to make sure you understand what is covered and what isn’t.

For example, mental health and pre-existing condition coverage is not always included, so you may need to purchase this separately.

What Are the Benefits of International Student Medical Insurance?

Here are some of the key benefits to having international student insurance coverage:

Cost savings

It’s already expensive to study abroad, so having health insurance coverage can help you save money on medical expenses. The cost of international health care might surprise you, so it’s important to have a plan in place that can help you reduce costs if something happens.

Peace of mind

Having health insurance coverage provides peace of mind knowing that you are covered in case something unexpected happens. It also gives you the freedom to focus on your studies and explore your new country without worrying about medical bills.

Access to quality care

Having coverage can give you access to quality medical care from doctors and hospitals in the country where you are studying, which is important for a positive experience abroad. Whether it’s to take care of a cold or receive mental health care, having coverage can help you get the treatment you need.

Mental health coverage

Staying away from home and learning in a new environment can be stressful, so having mental health coverage can help you access the support you need if needed. Most international student insurance plans include coverage for mental health care and counseling services. So if you ever feel overwhelmed or need a listening ear, you can get the help you need.

Support when you need it most

Having international student insurance gives you access to support services if something unexpected happens. Having a plan that covers evacuation and repatriation services can help cover the costs of medical transport or other related expenses in case of an emergency.

How to Find the Best Health Insurance Plans

If you want to purchase health insurance coverage, here are some of the things you should consider when looking for an international student insurance plan:

Coverage limits

It’s important to understand the coverage limits of the policy so you know what you’re covered for and how much you’ll need to pay out-of-pocket in case of medical expenses. Make sure to read the policy details carefully before making a decision.

Premiums

Shop around and compare different plans to find the one that works best for your budget. Most insurance companies offer savings  if you pay your premium annually instead of monthly, so keep an eye out for these programs.

Type of coverage

Make sure to check what type of coverage is included in the plan. For example, some insurance plans offer international student travel insurance for when you need to leave the country, while others may include more long-term care benefits like maternity, mental health or dental coverage.

Quality of care

It’s also important to research the quality of care offered by your insurer so you can be sure that you’ll be getting the best possible medical care. Some companies even offer 24/7 support, so you can get help whenever you need it.

Reputation

Check out the reputation of your insurer by reading online reviews and customer feedback before making a decision. This will give you an idea of how reliable and trustworthy they are. Each plan has an underwriter and you should also research that. Standard and Poors and AM Best are both good rating systems for underwriters. Ideally they’ll get an A/A+.

Take your time to pick the right insurance company because it’s important that you feel safe and secure in case of any medical emergency.

Shop around

The best way to get health insurance for international students is to shop around and compare different plans. This will give you a better idea of what’s available and help you find the right health insurance policy that meets your needs and budget.

By researching and comparing different health insurance plans, you can be sure to get the medical coverage you need while studying abroad.


Health insurance is an essential part of any international student experience. Having comprehensive coverage also gives you access to the medical care you need, peace of mind, and financial protection in case something unexpected happens. Take your time to research and compare different plans so you can find the right one that meets your needs and budget.


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