AJV Global

Author: Mary

  • Funding for international students in Canada

    In 2019, there were 638,960 international students in Canada at year-end. Besides the pandemic, in 2020, the number was 530,540 student visa holders. What is it that attracts so many students to Canada as a study destination? It’s because Canada is one of the most popular higher education locations in the world. Aside from receiving a world-class education, studying in Canada will expose you to a global culture, build international networks, and learn new skills. Having an international degree from a Canadian university or college will accelerate your career for sure.

    The cost of studying abroad, however, is the most common barrier for practically every student seeking an overseas degree. So, if you can’t afford the fees, here are some options for funding your studies in Canada.

    What are your funding options to study in Canada?

    This article will give you so many different solutions to solve your budget-related issues. Hang on! You don’t have to cancel your study abroad plans for Canada due to cost-related reasons.

    Funding Option 1: Scholarships or grants

    Scholarships or grants are the most convenient option to fund your studies abroad. There are many different types of scholarships or grants available. Depending on the qualifications, course, and institution, they can be partially or entirely reimbursed. Scholarships or grants are offered by institutions, organizations, governments, private companies, or individuals.

    What are the different types of scholarships available?

    Scholarships or grants are usually awarded for outstanding academic or extracurricular achievements, volunteer experience, professional accomplishments, and may also be awarded by specific research areas, especially for graduate students. The following are the different types of scholarships available:

    • Merit Scholarships
    • University/College Scholarships
    • Government-funded Scholarships
    • Country-based Scholarships
    • Privately Funded Scholarships

    Funding Option 2: Student Loans

    As an international student, you will have to apply for a study permit before coming to Canada. You must demonstrate to Canadian immigration officials that you have the financial resources to cover your tuition, fees, and living expenses in order to get a study permit. Student loans help you to take care of these expenses which include tuition fees, books and supplies, and housing costs. Bank-issued student loans must be paid back over a certain length of time and may require a guarantor to be a backup repayment source for the loan.

    Who offers you these loans?

    There are many banks and financial institutions offering student loans. Compare the interest rates and check for credibility and acceptance of the bank or financial institution before finalizing the loan. Besides bank loans, you may also like to explore the various financial aids offered by education or ministry for students.

    Funding Option 3: Bursaries

    Bursaries are financial aids offered by universities and colleges for international students in Canada. While scholarships are based on merit, academic achievement, athletic skill, extra-curricular involvement, or special abilities, bursaries usually take financial needs into consideration. They’re usually one-time payments given out by nonprofit organizations or private businesses. You don’t need to repay a bursary unless you drop out before you finish your studies. It’s critical to investigate bursaries well in advance of your start date in order to give yourself adequate time to apply.

    Funding Option 4: Student lines of credit

    A line of credit is a type of loan that lets you borrow money repeatedly up to a pre-set limit. You can borrow money from a line of credit, pay it back and then borrow again, up to your credit limit. You only have to pay back the money you borrow. Interest is applied to just the amount that is borrowed and not to the entire amount. The interest rates may be lower than the rates offered on government student loans. However, as soon as you borrow money, you must begin paying interest. Student lines of credit are provided by financial institutions. You may need a cosigner to guarantee your line of credit and you’ll most likely need to show confirmation that you’re enrolled full-time or part-time at a recognized post-secondary institution.

    Funding Option 5: Financial aid from universities

    A number of universities, such as Carleton University, the University of Manitoba, and the University of Alberta, have international student entrance scholarships available to help offset any additional tuition fees. These scholarships are frequently awarded automatically based on qualifying requirements, which typically include a minimum GPA requirement and the condition that applicants be enrolled full-time.

    Funding Option 6: Working while studying

    One way to pay for your studies, build your savings, and payback debt is working part-time. Before applying for a job, be sure to check if you’re legally eligible to work on- or off-campus before you apply for a job.  Also, ask your employer if they’re willing to work around your class and exam schedule before taking a part-time job. Almost all colleges and universities in Canada have Co-op programs and internships that can be viable options you would like to explore.

    Funding Option 7: Study Abroad Fundraising Ideas

    There are several education crowdfunding platforms online where you can raise funds for your studies. Popular crowdfunding platforms like Crowdfunder and GoFundMe attract supporters, donors, and millions of well-wishers to pool in funds for your international education. This will help you greatly in meeting your study costs, maybe, even without taking a loan. So, get your creative ideas together and start a magnetic and compelling fundraiser.

    Few tips for you

    Now that you have insight into the major funding options, start preparing, start planning. Yes, it’s true that sometimes you might get disheartened as a result of the tuition fees and living expenses in Canada, but you need not worry because you can now seek assistance from our team of study advisors for guidance. You’re one step closer to realizing your goal of attending a world-class university. Just keep moving ahead! And, remember, we are there to help you.

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  • How to rent a house in Canada as an International Student?

    “Many prefer living off-campus due to the flexibility and freedom it provides. Another reason is that on-campus accommodations are limited. As you are new to Canada, it is very important for you to know well how the rental system works. This article will familiarise you with the most important things you ought to know before renting out a unit in Canada. Read on!

    What should you consider before renting?

    Consider the budget and neighborhood before moving out to a rental unit. There are different types of rental units like apartments, a house, or simply single rooms. Your basic expenses will be more than just the cost of rent, regardless of where you live. Knowing how much it will cost to rent ahead of time will help you create a budget that is realistic.

    Your credit report

    Your credit report is a collection of information about your credit history. When you borrow money or seek credit for the first time, your credit report is established. Credit bureaus, often known as credit reporting organizations, get information from lenders about your accounts. The information in your credit report determines your credit score, which is a three-digit number. It demonstrates how successfully you handle credit. Some landlords will run a credit check to ensure that you will pay your rent on time. A landlord may ask for a guarantor if you have no credit history or have experienced credit problems. A parent or guardian with a solid credit history is frequently a guarantor. If you are unable to pay your rent, the guarantor agrees to pay for you.

    What you need to know about rental contracts

    A signed rental agreement serves as a formal record of your agreement with the landlord. If a disagreement arises later, the rental agreement will assist in resolving it. Rental agreements between a landlord and renter are commonly referred to as a “lease”. The renter is granted the right to inhabit a rented property by the landlord. In exchange, the renter agrees to pay rent. Other conditions and rules may be included in the contract. When you sign a lease, you agree to follow all of the terms and conditions. If you have a guarantor, the landlord will have them sign a contract outlining their obligations.

    What should your lease include?

    Both the landlord and the renter have legal rights and responsibilities that must be defined. The lease should be written and should outline the following:

    • The rent, security deposit and additional charges
    • Duration
    • Date rent has to be paid and mode of payment
    • Rules, terms and conditions
    • Parties responsible with contact details
    • What is included and what is not.
    • Conditions for terminating the lease.

    Tip: It’s important to note that the types of dwellings covered by tenancy legislation vary by province and territory. In some provinces mobile home park residents, for instance, are protected under the provincial tenancy legislation, while in others they are excluded. For information on Rental rights by province or territory please consult with those agencies.

    Security Deposit

    In May or September, students typically sign a one-year lease that includes the summer term. You may be required to pay your first month’s rent, last month’s rent, or a security deposit (half a month’s money) at the time of signing your lease, depending on your province. In most cases, the security deposit cannot exceed the amount of one month’s rent. The landlord will usually utilize your security deposit to cover the last month of your lease. The landlord may also deduct money from the deposit to cover any potential damage. Certain provinces like Ontario and Quebec have exceptions to this procedure.

    Paying Rent

    Rent can be paid via a check, an electronic bank transfer, or even cash in rare situations. Inquire about your landlord’s preferred method of payment. While post-dated cheques are convenient, several provinces make it illegal for the landlord to demand them. The rent needs to be paid on the date stated in the lease. Even a day’s delay is considered a late payment.

    Late payments are treated differently by province or territory. Depending on where you live, landlords can:

    • Impose a reasonable penalty
    • Offer a grace period of up to 3 days
    • Provide a notice to terminate the rental agreement due to arrears. The notice would no longer be valid as soon as you pay the rent owing.

    Tip: If you’re having problems with your landlord, your college or university’s housing office may be able to provide you with free or low-cost legal help. They can certainly advise you on where to seek legal assistance.

    Subletting your apartment or house

    Subletting is the process of renting out a room that you have currently leased for a limited time. It requires your landlord’s consent. This is typically done when you are planning a vacation and want to make or save money by renting out your premises. If you wish to sublet your rental unit, you’ll need to find someone to live there. They will be in charge of paying rent and abiding by your rental agreement’s terms and conditions. But it comes with a bigger risk because you are liable if your sublet damages the property or does not pay their rent.

    Avoid rental frauds

    Trust your instincts! Take the required precautions if something doesn’t feel right. When it comes to renting an apartment, there are provincial rules in place that protect tenants (and landlords) from scams, harmful conditions, and misleading people. To be knowledgeable before beginning your rental search:

    • Look up your province’s tenancy act.
    • Always take a physical tour of the place.
    • Confirm the owner of the property.
    • Always sign a written lease.

    Be watchful of the following warning signs:

    • “Too good to be true” ads
    • Unclear listings
    • Not meeting the property manager or landlord in person
    • Asking for money before you see the rental in person

    Conclusion

    If you spend too much on rent, it may be difficult to afford other expenditures or save for the future. Stay organized, on track, and on budget as you prepare to relocate. Watch out for rental frauds and scams. While everyone’s needs and situations differ, understanding ahead of time which requirements pertain to you will help you in finding the ideal house for you. Before you rent, consider all the costs. Happy living in Canada!

    (Source: Canada Mortgage and Housing Corporation (CMHC), Rentboard Canada Inc., Canada.ca)

  • Accommodation for International Students in Canada

    “Relocating to another country is exciting and is challenging too. Along with other basic necessities, accommodation tops any international student’s priority list. There are many factors to keep in mind while deciding living options, like budget, proximity to campus, and city of residence. Assessing all these factors can get confusing. This article will guide you through the various types of lodging available, and what to bear in mind as you hunt for a place to call home for the next few weeks or months.

    Living on-campus at college or university

    Most colleges and universities provide on-campus housing for their students. These are also called ‘halls of residence’ or ‘living in residence’. Many on-campus living options feature a room that can be private or shared with a bed, desk, shelves, bathroom, wifi, laundry, etc. A meal plan, which allows you to eat breakfast, lunch, and supper on campus, is commonly included in the cost of living in residence.

    What are the benefits of on-campus accommodation?

    It’s not mandatory for international students to live on-campus. However, this is a good housing option for international students due to the following benefits:

    • No stress of cooking and grocery shopping on your own.
    • No extra/separate monthly maintenance and utility bills
    • No wasting time on the commute to classes
    • Easy access to facilities like library and gym
    • Security and 24/7 student housing support
    • More opportunities to network closely with staff, faculty, and peers

    What is the average cost of on-campus accommodation?

    It can cost anywhere from $6,000 CAD (smaller universities like St. Francis Xavier) to $14,000 CAD (University of British Columbia) or $16,000 CAD (University of British Columbia) for an eight-month on-campus housing and meal plan (University of Toronto)*. Confirm the cost of on-campus housing with your university.

    How to apply for on-campus accommodation?

    This type of housing is not automatic and is not a default part of your application or admission process. Also, on-campus accommodation is in high demand at various institutions due to its convenient location. You should contact your college or university’s student housing office as soon as you receive your acceptance letter to discover how to apply. It’s possible that you’ll have to pay an application fee.

    Living off-campus in private housing

    If you choose to live off-campus, you may save money on rent compared to living on campus. However, keep in mind that you’ll have to pay for more things. Few of these include paying for utilities, food, groceries, transportation to campus, internet, maintenance supplies, furniture, etc. Location and transportation are important aspects to consider while choosing off-campus accommodation. You’ll have to manage your commute to campus as well. Rocketman is a free transit app that provides real-time transit alerts and arrival.

    What are the benefits of off-campus accommodation?

    The benefits of living in private housing can include:

    • Cheaper rentals
    • More freedom
    • More privacy
    • More opportunities to discover Canadian life beyond your university’s campus life

    What is the average cost of off-campus accommodation?

    Price and quality will vary depending on the type of housing and the city. The average rental price in Canada’s larger cities (for example, Vancouver, Toronto, and Montreal) is greater than in smaller cities and villages. In a shared accommodation setting, a fair starting point for rental cost is between CA$700 and CA$1,000 per month, per room (apartment, house, or student housing).

    How to find off-campus accommodation?

    Your first point of contact should be the housing office or student association of your college or university. They can assist you in finding private housing options near the campus. Check their website too for information. You can also check Canadian rental websites. The most popular ones are Craigslist, Kijiji and Facebook Marketplace. There are also many realtors and real estate agencies who can assist you. Because the landlord pays the realtor a commission, the cost may be included in the rent.

    What are the different types of private housing?

    You should be familiar with the following types of accommodations:

    HomeStay: Under this housing option, you live in a house with a host family. Typically, one to three meals are served per day. A homestay will cost between CA$600 and CA$1000* a month depending on how many meals and amenities are included. It’s possible that you’ll be charged by the night rather than by the month. You can find homestay placements in Canada Homestay Network, HomeStay In, and YES Canada homestay. Homestays may be a little more expensive, but there are many benefits too that includes:

    • Safety and security
    • Homely atmosphere
    • 24/7 emergency assistance
    • More time for your studies
    • No worry about cooking and maintenance

    Apartment: Apartments range from walk-up units in low-rise buildings to units with elevator access in high-rise structures. There are a variety of amenities available, ranging from a single onsite washer and dryer to full laundry rooms, common rooms, and fitness facilities. Security and maintained surroundings are benefits of apartment living.

    Townhouses: There are also townhouses, duplexes, semi-detached, and single-detached houses for rent. Many people consider a basement apartment to be an apartment. House rentals provide more space than most apartments, as well as access to some outdoor spaces including patios, lawns, gardens, and parking.

    Rooming Place: Rooming homes offer both short-term (week-to-week) and long-term (month-to-month) leases. Several rooms come with their own refrigerator for personal use.

    Short-Term Rentals: If you haven’t been able to find a place to stay on-campus or any long-term housing placements, then you may want to consider living for a few days in short-term furnished rentals. Airbnb, Vrbo, Sublet, Kijiji, and other popular rental sites all have short-term rental listings. These temporary arrangements help in warming you up with the neighborhood, culture and transportation options.

    How to find the best student accommodation in Canada?

    By now you should know that Canada has a lot of housing options to offer. From overseas, it is difficult to decide what is the right accommodation for you. Besides, the information provided above, here are a few tips to assist you in making an informed decision:

    1. The first thing you should consider is your budget, after which you should look for options that fit your budget.
    2. Research, online and offline, each accommodation option carefully.
    3. To save time and cost, choose an accommodation that’s on-campus or close to your campus.
    4. Book your initial stay prior to arrival. If you are struggling with finding accommodation, consider short-term rental options.
    5. Organize, manage and record all payments properly.
    6. On-Campus:
    • Speak with the institution’s housing advisers and go on a campus tour.
    • On-campus housing options are in high demand and limited. Book well in advance.
    1. Off-Campus:
    • When it comes to online listings, be cautious to prevent scammers or listings that are misrepresented.
    • While booking, read reviews and check the legitimacy
    • Never send unnecessary personal information to agents or a potential landlord

    So, once you start submitting your student applications to various institutions, start researching accommodation options too. By the time you receive your Acceptance Letter, you can book your stay in Canada, whether it’s institution-managed housing or a private one. Just keep in mind the following before finalizing your housing option – budget, location, surroundings, safety, and transportation.

    (Source: Canada Homestay Network, Arrive, Canada.ca)

    “

  • Migrate to Canada: Top 5 Things to Know

    Did you know that Canada is also known as the Great White North and that Santa is supposedly a Canadian citizen? The things that come to my mind while referring to Canada are beautiful landscapes, friendly people, indigenous culture, multilingual communities, abundant wildlife, historic cities and small towns. No wonder Canada is the hottest destination for migration. Isn’t just the thought of moving to Canada so exciting? As per IRCC, Canada welcomed 184,624 immigrants in 2020, the lowest in any calendar year since 1998, almost half (-45.9%) of what it was in 2019. In 2019, there were 5,774,342 immigrants to Canada as visitors, workers and students. In 2018 the number was 6,024,233.

    It’s so true that migrating to a new country exposes you to a change in culture, physical environment and lifestyle. It’s good to be aware of a few important points for a smooth transition to the Great White North. This will not only help you prepare for the journey but will also aid in embracing these changes with the right expectations, fewer shocks, confusions, and pitfalls.

    Here are a few helpful hints for you:

    Weather

    As soon as one mentions Canada, you tend to envision bitter, cold weather and snow. Does this mean Canada has only one season? Not really! Canada has four proper seasons – Spring (March to May), Summer (June to August / September), Autumn (September to November), and Winter (December to February or later). Temperatures can vary from -40°C to 35°C in a year. So, Canada is not always cold.

    Culture

    Canada is a vast, multicultural and multilingual country. International migration accounted for 58.0% of population growth in 2020. In comparison, this proportion has been above 65% since 2000 and reached a peak of 85.7% in 2019. Regardless of your gender, ethnicity, religion and occupation, you are accepted here. Usage of niceties like “sorry,” “thank you,” “may I,” “excuse me,” and “please,” is a social standard. ‘Canadian English’ might sound surprising till you get used to the lingos. Tipping in Canadian restaurants, salons and taxis, along with a “Thank you”, is much expected.

    Jobs

    There are ample job opportunities across the country. If you don’t have Canadian degrees, then get your foreign credentials assessed. Bring along adequate education and work-related documents. Build a strong professional network. Though you might kickstart your Canadian career at a level lower than your home country, just after only a year or two you’ll be back where you were, and maybe even better off because hard work is rewarded.

    Cost of Living

    The cost of living is the highest in Vancouver and Toronto. Most Canadians spend 35% to 50% of their income on housing and utilities. This includes the cost of renting your home or paying your mortgage (a mortgage is a long-term loan.) It also includes the often-high cost of heating your home and paying for electricity, telephone service and water. Getting stuff repaired is costlier than getting it replaced. The listed or sticker price of items is further added with taxes for the actual selling cost. Bring proof of your credit history which will allow you to apply for a loan or a credit card. However, it’s advisable not to fall into the trap of unnecessary spending and credit card usage, at least in the initial phases. Use public WiFi as often as possible as mobile data plans are expensive. Bring as much cash savings as possible. Better to be safe than sorry. 

    Public Facilities

    Not everything under health care is free, even for permanent residents and citizens. It is a good idea to arrive with international health insurance to offset medical expenses a bit. Basic public education remains a free and accessible right to any Canadian citizen or permanent resident and their children under the age of 18. Children of refugees, asylum seekers, and other documented immigrants have free access to education too. 

    Feeling all the more thrilled after reading this? Canada is one of the best countries to live in. Live in this beautiful country, get addicted to the taste of maple syrup, and enjoy ice hockey. Whatever part of Canada you choose to live in, you’ll have a great time and find something that suits you.

  • How much does it cost to study in Canada?

    “Canada has always been a favorite study destination for ages mainly because of the following reasons:

    • Peaceful, safe, and inclusive communities
    • World-class affordable education
    • Immigration friendly policies

    Now, if you are afraid of the cost involved in this whole process, then don’t worry. Compared to many countries, the cost of studying and living here is very affordable. As an international student studying in Canada, you may expect to spend approximately CA$27,000 to CA$64,000 annually on living expenses.

    The cost of living will vary greatly based on your location and spending habits, with large cities being generally more expensive to live in. Let me give you a brief of the major expenses for studying and living in Canada.

    Tuition Fee

    The tuition fees in Canada majorly depend on three factors – the study programme, institution, and qualification level. Your tuition expenses for a year may range between approximately CA$14,000 and CA$38,000 per year.  Some programs can cost up to CA$50,000 per annum. Usually, programs offered by community colleges are less expensive as compared to the programs offered by Universities in Canada. Humanities courses tend to be cheaper, while subjects such as engineering and medicine are among the more expensive ones.

    Application fees

    The cost of applying to Canadian universities varies depending on the university and your country of origin. The University of British Columbia, for example, charges undergraduates international students CA$118.50. If you are an international student from a developing country, you may be eligible for a fee waiver.

    Student Visa Fees

    You’ll require a Canadian student visa for the duration of your stay. If your course or programme is six months or shorter, you do not need a Canadian study permit. It costs CA$150 to apply for a student visa and CA$85 for biometrics. To acquire a study permit, you must show that you will be able to adequately fund yourself, including both your tuition and additional living expenses. This is referred to as proof of financial support. All international students in Canada must demonstrate that they have a minimum of CA$10,000 per year, or CA$833 per month, with additional financial requirements if they are bringing family members with them. You must have CA$11,000 every year in the province of Quebec.

    Additional College Expenses

    Besides your tuition fees, there are additional expenses like books, Supplies (such as laptops, tablets, and other program materials). The cost of books can range from CA$200  to CA$1500. Expect to spend between CA$500 to CA$3,000 on supplies. Some programs may not require you to buy any additional materials like uniforms, tools, etc, so you may save on these expenses. Other school fees, if any, may range between CA$200 to CA$2,000.

    Health Insurance

    All overseas students studying in Canada are required to obtain health insurance for the duration of their studies. International students can purchase health insurance from their educational institutions. Usually, health insurance is included in the tuition fees that they are paying to universities/colleges. So they don’t have to opt for it separately. The cost of insurance can range between CA$200 to CA$1,300 depending on coverage.

    Accommodation

    There are mainly two types of accommodation available for international students – on-campus accommodation and off-campus accommodation. Expect to spend between CA$700 to CA$2,500 a month depending on your choice of accommodation preference.

    On-campus accommodation: It can cost anywhere from CA$6,000 (smaller universities like St. Francis Xavier) to CA$14,000 (University of British Columbia) or CA$16,000 (University of British Columbia) for an eight-month on-campus housing and meal plan (University of Toronto).

    Off-campus accommodation: The average rental price in Canada’s larger cities (for example, Vancouver, Toronto, and Montreal) is greater than in smaller cities and villages. In a shared accommodation setting, a fair starting point for rental cost is between CA$700 and CA$1,000 per month, per room (apartment, house, or student housing).

    Utilities

    If you choose to live on-campus, utility costs (gas, hydro, AC, water, heating) are generally included in your residence fee – which may make on-campus housing options seem slightly expensive. Utility costs can range approximately between CA$50 to CA$200. The basic cost (Electricity, Heating, Cooling, Water, Garbage) for an 85m2 Apartment is CA$166.73.

    Food and Grocery

    When it comes to food, Canada has a lot to offer. They have everything from small specialty food stores to large supermarkets with international food items. The cost of food largely depends on the city where you reside and of course, your eating habits. If you reside on campus, you can sign up for a meal plan that offers you unlimited access to your college or university cafeteria for all of your meals. If you live off-campus, you’ll most likely cook for yourself or share cooking responsibilities with others. Check for apps that help you compare prices from store to store or find the best food discounts. The daily recommended minimum amount of money for food per person is CA$13.24. The Monthly recommended minimum amount of money for food per person (assuming 31 days per month) is CA$410.40.

    Leisure

    All study and no play make Jack a dull boy! Besides the basic living costs, you also need to include money for leisure and entertainment in your study budget. Here are such approximate costs in Canada, taken from Numbeo in December 2021:

    • Eating out at a restaurant: CA$18 per person
    • Fitness Club, Monthly Fee for 1 Adult: CA$51.80
    • Tennis Court Rent (1 Hour on Weekend): CA$20.66
    • Cinema, International Release, 1 Seat: CA$14.00

    Transportation

    When looking for an off-campus apartment, consider the location and transit options. You may be able to walk, take public transportation, ride your bike, or drive to campus. If you decide to get a car, the maintenance, gas, insurance, etc will cost approximately $500 to $800 CAD (excluding the cost of your purchase or lease). The following are the costs of various public transit taken from Numbeo in December 2021:

    • A one-way ticket on local public transport: CA$3.20
    • Monthly pass at regular price: CA$90.00
    • Taxi Start (Normal Tariff): CA$4.00
    • Taxi 1km (Normal Tariff): CA$2.00

    Staying connected

    You’ll need to purchase a Canadian cell phone plan if you currently have one. The cost of a cell phone plan varies depending on the services included in the plan. The majority of plans include data; a 5GB data plan with calling and texting can cost anywhere from CA$60 and CA$100 per month. One minute of Prepaid Mobile Tariff Local (No Discounts or Plans) can cost CA$0.34. The cost of a cell phone varies based on the sort of phone you require. A smartphone can easily cost over CA$1000, but a phone without internet access can cost less than CA$50. Rogers, Bell, Telus, Fido, Virgin, and Koodo are some of the most popular Canadian phone plan providers. Internet subscriptions alone generally average between CA$50 to CA$80.

    Winter Clothing

    Last but not least, all overseas students arriving in Canada will require winter clothing. If you’ve never seen snow or experienced temperatures below -30 degrees Celsius, you might be astonished at how cold it can get here in the winter. A heavy winter coat might cost anywhere between CA$150 and CA$300. Walmart, MEC, and SportChek, as well as local retailers, offer affordable winter coats across Canada. Long parkas, such as the Canada Goose brand, are very popular and will keep you warm, but they may cost well over CA$1,000.

    Student Discounts

    Do you enjoy a good bargain or a discount? You’ll come across them everywhere as an international student in Canada. Students get discounts at stores, restaurants, public transportation, airlines, trains, and other places. A valid student identification card is required to receive these student discounts.

    Summary of the living expenses

    This article will surely help you to know and prepare your study budget for Canada which is very important as part of your planning. To summarize the average cost of living as an international student in Canada, refer to the following table.

    Type of ExpenseApprox. Monthly Cost
    AccommodationCA$700 to CA$2,500
    Food/personCA$410.40
    UtilitiesCA$50 to CA$200
    5GB data plan(calling & texting)CA$60 to CA$100
    Internet subscriptionsCA$50 to CA$80
    Public TransitCA$80 to CA$150
    Shopping & Entertainment$100 to $300 CAD
    Fitness Club Membership/AdultCA$51.80

    Unexpected Expenses

    It’s always a good idea to be prepared and save aside money for unforeseen expenses. Studying abroad is a time-consuming and difficult process. Our study experts can assist you with every step of the process, from choosing the ideal course to putting together a foolproof application that will get you shortlisted.

    (Data Source: EduCanada, Arrive, Numbeo)

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  • How to Study in Canada without IELTS?

    ”

     

    Canada has been the most promising of all the growing destinations for migration, mainly due to its liberal immigration policies. One of the most common ways to come to Canada is a Student Visa. Over half a million international students choose to study in Canada each year. According to Immigration, Refugees and Citizenship Canada (IRCC) as of December 31, 2019, there were 642,480 international students in Canada. Indians constitute the major chunk of international students at 34%, followed by China at 22%*.

    Three primary reasons for international students to choose Canada are:

    1. Liberal immigration policies.
    2. Canada’s reputation as a tolerant and non-discriminatory society. The country has strong support for the LGBTQIA community.
    3. Canada’s reputation as a safe country

    The Canadian government actually needs international students and welcomes them with flexible immigration policies and admission requirements. One of the basic requisites to qualify to study in Canada is that you have to provide evidence of your English Language Proficiency.

    The English Language Proficiency Tests

    The International English Language Testing System (Academic IELTS) is not the only English proficiency test accepted. There are other approved English proficiency tests like the Test of English as a Foreign Language (TOEFL); the Canadian Academic English Language (CAEL) Assessment and the Pearson Test of English Academic (PTE Academic). Typically, the English language proficiency test result must be written within two years of application. Applicants who meet all admission requirements, including English proficiency, at the time of application are given first priority consideration.

    Why are these English tests required?

    Since English is the primary language of instruction and communication here, you must demonstrate an adequate level of proficiency in English, regardless of your citizenship status or country of origin. Since all academic activities (lectures, seminars, laboratories, workshops, internships, projects, etc.) are conducted in English, it is essential that all students possess strong English writing, listening, reading, speaking, and writing skills.

    It’s true that you need to prove your English language proficiency as an international student. Yet, you should know that these English tests are not the only way to prove. You can still get your dream offer and student visa even without IELTS or any of the other English language tests. Yes, that’s right, you can study in Canada without IELTS. How? Read on.

    When can you be exempted?

    You will need to provide evidence of an adequate English facility for admission consideration unless you qualify for an exemption. You may qualify for an exemption from the English facility requirement if one of the following applies to you (the exemption is not automatic):

    • Your mother tongue or first language is English.
    • You have completed a formal full-time undergraduate or graduate degree from a recognized foreign institution in a designated English-speaking country where English is the dominant language of instruction and evaluation. Check the list of these countries on the education provider’s official website.
    • You have resided or have been employed for at least three years in a position in which English was the language of business.
    • You have successfully completed the English Language Programs offered by the education providers with their defined eligibility scores. Available on almost all institutions, these short-term courses give students a solid foundation in English, as well as sound preparation for higher studies.

    Remember! Language requirements are not based on citizenship. They are based on your country of study and residence. Refer to the respective education provider’s official website for information on the validity of proof, type of documentation needed and list of exempted countries. The education providers reserve the right to request the results of a language test at any time and to refuse a language test exemption request.

    If you are not sure whether you need a language test, contact us. We will be glad to guide you on this.

    *According to Canadian Bureau for International Education (CBIE)

     

    “

  • AUT, New Zealand Online to On-Campus Course- Is it for you?

    AUT, New Zealand is ranked as the world’s second most peaceful country in the 2021 Global Peace. Besides picturesque landscapes, the country is popular for its high-quality education and globally recognized qualifications. These and many other reasons prompt students globally each year to choose New Zealand as their study destination. Sadly, COVID-19 disrupted the plans of millions of students who were planning to migrate to New Zealand for education. However, education just like work didn’t come to a standstill. As people started working from home, many students started online study, even for international education.

    Auckland University of Technology (AUT) is one such university that continues to provide study courses to international students currently offshore with a unique approach – a hybrid programme. This article will explain more about the exceptional features and benefits of the hybrid, also referred to as the online to on-campus programme. Read on!

    How does it help to do “online to on-campus” study?

    Rather than simply await for New Zealand borders to open, start your international education now from the comfort of your home. Why delay your career plan? New Zealand universities have online course options for offshore students but the latest offering by one of New Zealand’s top universities, AUT, follows a hybrid learning model. This model gives the opportunity for students to finish up the course in New Zealand on any of their three campuses in Auckland once the border opens. The quality of the course and study outcomes is not affected, the qualification is NZQA* accredited and you enjoy the best of both worlds. You will benefit from belonging to a university with an international profile that gives you international exposure. Read on for additional benefits:

    • Save on fees and expenses: Reduce medical and travel insurance costs (approx. $310 for one semester), living expenses (approx. $1250 per month), Student Services Levy (around $435 for 60 points).
    • Save time: Part-time and full-time online study options are available. Continue your existing employment. Get enough time for other activities.
    • No visa is needed while studying online.
    • Priority processing of student visas: When the border restrictions are eased, students registered in online courses will be given priority for travel to New Zealand.
    • Boosts visa approval: Future student visa applications will be mitigated by establishing that your genuine reason for traveling to New Zealand is to study (and not for work, etc).
    • Post Study Work Visa: Under the hybrid programme you will be eligible for the Post Study Work Visa (PSWV)** when you complete the mandated period of study on campus, in New Zealand.

    Does AUT, New Zealand (Online to On-campus programme) have a good ROI?

    We understand the need of the hour and are offering various career-focused online to on-campus study courses. You start your study online with us. Once borders open for international students, you’ll have the option of switching to face-to-face learning at any of our three campuses in Auckland.
    AUT is the second-largest university in Aotearoa New Zealand. We have been a university since 2000, but a place of learning for 120 years and operate in accordance with the Education Act (1989). We’re proud to be one of the world’s best modern universities –  Times Higher Education has ranked us in the top 40 universities under 50 years of age and among the top 1% of universities in the world.

    • Exceptional graduates: AUT nurtures and creates graduates who are world-ready; not just career ready.
    • Modern, research-driven university: As a young and agile university, AUT is one of the best modern universities in the world and the second-largest university in New Zealand.
    • World-class Business School: AACSB accredited Business School (top 5% of all International Business Schools).
    • Global Reach: Close links with various industries and the professions globally equate to the high graduate employment rate.
    • World-ranked University: Rated 5-stars for Internationalisation, research, teaching, graduate employability, innovation, inclusiveness, and facilities in the QS World University Rankings (2020-2022).
    • Proven Career Outcomes: Employers and other educational institutions throughout the world value and seek out the qualifications you’ll get here.

    Things to know about AUT, New Zealand’s hybrid model

    AUT continues to provide online courses for international students now offshore who are unable to study on-campus due to border restrictions caused by COVID-19 since the New Zealand border remains closed. You have the option of either completing the entire course online or opting for the online to on-campus programme.

    • Global recognition: The courses are internationally recognized and all you need is an internet and a cam.
    • Integrated Learning: Interactive sessions and an engaging environment.
    • Complete Support: Guidance and assistance at every step from a dedicated faculty.
    • Specially-curated Curriculum: The modules and classes have been designed specifically for online students.
    • Flexible Study Options: Attend live classes or you may listen to the recordings later.
    • Easy Management of Tests:  Assessments are online via coursework submissions.
    • Extensive Network: Benefit from excellent networking opportunities with the professors, industry experts, and other international students.
    • PSWV**: Post Study Work Visa (PSWV) is your pass to the global job market.

    Top courses in this hybrid model

    A wide range of both undergraduate and graduate courses are available. A few of the popular courses are:

    Popular Bachelor Programmes

    • Bachelor of Computer and Information Sciences
    • Bachelor of Computer and Information Sciences
    • Bachelor of Engineering (Honours)

    Minimum entry requirements includes#: University Entrance or equivalent and English language requirements.

    Popular Postgraduate Programmes

    • Master of Analytics
    • Master of Computer and Information Sciences
    • Master of Supply Chain Management
    • Master of Global Business
    • Master of Professional Accounting

    Minimum entry requirements includes#: A bachelor’s degree with a B- grade average or higher in courses at level 7 or equivalent and English language requirements.

    The above-stated lists are of the on-demand courses only. For more information on other courses get in touch with AJV Global.

    Transitioning to campus study

    If you want to study in New Zealand, don’t wait for the borders to open. Apply for the online to on-campus study programme. You can join us on any of our three campuses in New Zealand once travel restrictions have been waived and you have received your student visa. You’ll be ready to enjoy life on campus with the information you’ve gained and the relationships you’ve already made.

    How to enroll for the AUT-Online to On-campus Programme?

    We did get a lot of queries sharing apprehensions about online learning. You might be having doubts like “How credible is the course?” ”Will I be eligible for the Post Study Work Visa?” Speak to the study experts at AJV Global. They are an ENZ-recognized award-winning education and migration company with a high success rate of admission and visa approvals. They will provide you with all the required information and clarify your doubts too. From shortlisting your course based on your interests to securing the offer letter with us, AJV Global will help you out.
    You can contact them online, by phone, or by email.

    *NZQA stands for the New Zealand Qualifications Authority. It is the New Zealand government Crown entity tasked with administering educational assessment and qualifications.
    **The on-campus study requirement for a level 7 and above qualification is 30 weeks and for levels 4-6 it’s 60 weeks to be eligible for a Post Study Work Visa.
    #Every course will have its distinct entry requirements. Consult AJV Global to know more

  • Understanding the New Zealand Education System

    “New Zealand is one of the most popular study locations in the world. It boasts of a robust education system offering internationally accredited qualifications. New Zealand’s education system follows a modern pedagogy focused on skill development, research, and innovation.

    In New Zealand, 79% of adults aged 25-64* have completed upper secondary education, above the OECD average of 78%*. In terms of the quality of its educational system, the average student scored 506* in reading literacy, maths and science in the OECD’s Programme for International Student Assessment (PISA). This score is higher than the OECD average of 486*.

    Before we learn about the different types of education systems and levels, let’s peep into the agencies that administer, assess and monitor the education system.

    The Quality Checker

    The New Zealand Qualifications Authority (NZQA) is the government agency responsible for New Zealand and overseas educational assessment, and qualifications. They oversee the quality certification of non-university tertiary training providers and administer the National Certificates of Educational Achievement (NCEAs) for secondary school students. It is responsible for administering the New Zealand Qualifications Framework (NZQF) and establishing the criteria that assure the quality of the credentials listed on the framework.

    New Zealand Qualifications Framework (NZQF)

    The NZQF was one of the world’s first frameworks. New Zealand’s educational system revolves around it. All qualifications registered on the NZQF, including secondary and tertiary, come with a quality assurance that is recognized and trusted globally.

    The Three Levels of The Education System

    New Zealand’s education system has three levels:

    1. early childhood education: from birth to school entry age
    2. primary and secondary education: from 5–19 years of age
    3. further education: higher and vocational education.

    Early Childhood Education (ECE)

    ECE is the first level of education. ECE can be ‘teacher-led, ‘whānau-led’ or ‘parent-led. ‘Teacher-led’ means 50% certified and registered ECE teachers educate the children ‘Whānau-led’ or ‘parent-led ‘means parents, whānau or caregivers are involved in educating and caring for the children.

    Primary and secondary education

    The education system for schools is made up of 13 Year levels. Schooling is compulsory from age 6–16. Children of a New Zealand citizen or a permanent resident between the ages of 5 and 19 are exempted from fees at state schools. These schools are government-owned and funded. Primary education starts at Year 1 and goes to Year 8 (around 5–12 years of age). Secondary education goes from Year 9 to Year 13 (around 13–17 years of age).

    Tertiary Education

    Students who desire to continue their education after secondary school have a variety of study options.

    Tertiary Education Providers

    The common education providers for tertiary education include universities, institutes of technology and polytechnics (ITPs), and private training establishments (PTEs).

    Institutes of technology and Polytechnics  (ITP)

    From introductory studies to degrees, institutes of technology and polytechnics provide professional and vocational education and training. They give training and certification in various industries, for example, agriculture, building, and construction, motor trade. They are supported by both the government and the private sector.

    Private training establishments (PTEs)

    PTE offers specific occupational courses at the certificate and diploma levels (for example, travel and tourism). They have strong connections with employers. They are not government-funded, however, the New Zealand government has approved and listed all of the qualifications they offer on the New Zealand Qualifications Framework.

    Universities

    New Zealand has eight state-funded universities. Each university offers degrees in a wide range of areas and specializes in professional degrees. All of the universities are well-known internationally and are all ranked in the top 3% in the world. They collaborate on research, teaching, and development programmes with universities in other countries.

    Understanding the New Zealand Education Qualification Levels

    The New Zealand Qualifications Framework (NZQF) is divided into ten levels and encompasses a wide range of qualifications from certificates to PhD degrees. The levels are determined by the degree of difficulty of the learning. The simplest certificate is a level 1.

    LEVELSQUALIFICATION
    Level 1-4Certificate
    Level 5-6Certificate, Diploma
    Level 7Graduate Certificate, Graduate Diploma, Diploma, Bachelor’s Degree
    Level 8Postgraduate Certificate, Postgraduate Diploma, Bachelor Honours Degree
    Level 9Master’s Degree
    Level 10Doctoral Degree (PhD)

    The Credit System Explained

    Students must complete a certain amount of credits at each level of qualification. The credit value corresponds to the amount of learning in the qualification; one credit equals ten notional hours of learning. In a typical year, a full-time student can finish 120 credits of learning.

    National Certificate of Educational Achievement (NCEA)

    The National Certificate of Educational Achievement (NCEA) is the national senior secondary school qualification. Employers recognize NCEA and other national certifications, while universities and polytechnics utilize them as a criterion for admission. NCEA is widely acknowledged internationally, especially by institutions.

    Deciding on your study course

    Hope this article has given you brief insights into New Zealand’s education system. You can now decide on the qualification and level of study to pursue. Choosing the right course is critical to your career. We can help you to identify courses and shortlist the ones that are right for you. We will also assist you in obtaining the ‘Offer of Place’, student visa, and onshore support.

    *Source: OECD”

  • Want to Study in Canada for Free

     

    According to the Canadian Bureau for International Education, despite the pandemic, there were 530,540 international students in Canada at all levels of study last year.  One of the most popular countries for studying abroad in Canada. A few reasons are its rapid economic growth, developed nation, a safe community, beautiful landscape, world-class education, excellent lifestyle, the possibility of permanent residency, etc. 

    Then what stops many from studying abroad? The greatest barrier to education abroad is the cost.

    The good news is that the tuition fees here are comparatively cheaper than in other developed nations. Canadian education is quite affordable. For international students, there are no tuition-free universities in Canada. Even for Canadian students, there are no tuition-free universities. You can, however, study without paying tuition by receiving a full-tuition scholarship or even a fully-funded scholarship. Let’s delve deeper into this.

    Reducing your expenses

    There are various scholarships available for any student studying in Canada. The tuition fees can be reduced to a great extent through scholarships and excellence awards offered for international students. Applying and getting accepted for scholarships and awards will help your finances immensely. Some scholarship programs cover only the tuition fees while others can cover a lot more like full coverage on tuition, books, incidental fees, and residence. So, while browsing for these scholarship programs, apply for those that can cover almost your entire stay in Canada. Research is the key here.

    What are the scholarship requirements?

    Now that you have decided on the study courses and scholarships you wish to apply for, start planning and preparing for your application. Remember, an application doesn’t guarantee acceptance. Research, know and understand the requirements. Most scholarships require academic proficiencies while others have cultural and sports achievements.

    What will make your application successful?

    Not All applications are selected. If you wish to increase your chances of getting a scholarship in Canada, plan well in advance. If you are planning for a Master’s course, start preparing from your graduation days itself. Study well and score high grades in your graduation. Few scholarships are for excellence in sports or arts. In that case, start preparing a strong profile with enough proof and documentation.

    An outstanding application reflects good academic scores, awards, and extracurricular activities. And, to build an impressive application you need to start early, plan, and prepare well in advance. You will also get ample time to gather your documents, letters of recommendation, proof of achievements, and other information to be able to present a full-proof application.

    Once you have identified the scholarship program you wish to apply for, review the guidelines and deadlines well. Incomplete and late applications are not accepted. 

    Who sponsors these scholarships and awards?

    There are various and plenty of scholarships available for any student studying in Canada. Scholarships and awards are offered by the education providers and the Government of Canada. They are also administered by the Canadian government, provincial governments, private foundations, and not-for-profit organizations.

    Conclusion

    You can be financially worry-free if you can gain a scholarship or award that waives off your study costs partly or wholly. To increase your chances of studying in Canada for almost free and getting accepted into your preferred university, plan and prepare your application early. Even if your application for a scholarship or award is not accepted, apply for affordable study courses. Also, you can work part-time on a student visa which also is financial aid. Make a proper choice as it’s a life-altering decision.

    If you are confused, have queries, or need professional guidance, connect with us. Our study counselors will be glad to help you.

  • All you need to know about Canadian Education System

    ”

     

    Canada, as one of the most industrialized countries in the world, has one of the highest educational standards. It is the world’s most educated country, with more than half of the population holding a college diploma. Education is compulsory up to the age of 16 in every province in Canada, except for Ontario and New Brunswick, where the compulsory age is 18. The academic year in Canada typically lasts 190 days, beginning in September (after Labor Day) and ending near the end of June—usually the last Friday of the month, except in some cases in Quebec, where the final day of school falls soon before June 24, a provincial holiday.

    Before we take a closer look at the education system, let’s learn about how it is managed and run.

    Assessment Agencies

    The government funds and oversees the majority of education in Canada, with provincial, territorial, and local governments paying and overseeing it. The province is in charge of education, and the curriculum is regulated by the province. The Ministry of Education oversees the educational programmes, which are managed by district school boards in the provinces. The Organisation for Economic Co-operation and Development (OECD) coordinates the Programme for International Student Assessment (PISA), which assesses 15-year-olds’ scholastic achievement in mathematics, science, and reading.

    Composition of the Education System

    The Canadian education system comprises four levels –

    • Pre-school or early childhood education;
    • Primary or elementary education;
    • Secondary education and
    • Post-secondary or tertiary education.

    Pre-school or early childhood education: This includes educational programmes for young children (ages 4-5) that are provided by public, private, and federal schools around the country, as well as schools for the blind and deaf.

    Primary or elementary education: All children in Canada are required to attend primary school, which normally begins at the age of 6 or 7 with Grade One. Students are educated for six years in primary school, usually till the age of 11 or 12.

    Secondary education: In Canada, secondary education is divided into two levels: intermediate or junior high school (Grades 7 and 8) and high school (Grades 9 to 12).

    Post-secondary or tertiary education: This includes college and university programs and vocational/technical schooling.

    Post-Secondary or Tertiary Education in Canada

    Canadian students can apply to colleges and universities after graduating from high school or post-secondary schools. College is a term used in Canada to describe a smaller community college or a specialized vocational school. Many students in Canada attend college to prepare for university admissions and to acquire credits that can be transferred to other institutions. Widely, it has two basic types of education providers – Universities and Colleges.

    Universities

    Universities in Canada provide a variety of degrees ranging from undergraduate to PhD levels, with degrees lasting anywhere from one to four years depending on the level of education and amount of credits in the programme. Faculty members are actively engaged in research in addition to their teaching obligations, providing numerous chances for students to learn about and participate in research and development activities. The majority of public universities are supported primarily by provincial governments, with the remainder coming from minor tuition fees, research grants, and a small amount from the federal government.

    Colleges

    In Canada, community colleges are more industry-focused, offering career-focused, hands-on, or technical programmes. Some schools offer bachelor’s degrees, but most offer two- to four-year diplomas and degrees, as well as vocational training. While the range of programs varies among provincial college systems, it may include selected baccalaureate degrees in academic and applied fields, technological and vocational courses leading to diplomas or certificates, trades and apprenticeship training, and many more.

    Knowing the Degree Structure

    The degree structure at Canadian universities is – Bachelor’s Degree, Master’s Degree, and PhD.

    • Bachelor’s Degree: It is an undergraduate degree that takes three, four, or five years to finish for full-time students (depending on the province and class availability).
    • Master’s Degree: It’s also known as a graduate degree, and it’s usually completed in two years.
    • PhD: A doctorate, sometimes known as a PhD, is a specialized post-graduate degree that takes between 3-6 years to accomplish.

    Some intend to continue to university degree programs and can earn up to 2 years of transferable credit in jurisdictions that have a well-established inter-institutional articulation system. Others pursue a skill that will lead to employment. Many other students attend college to improve their credentials, retrain for a new profession or trade, or simply to upgrade their career via education.

    “