₦airaland Forum

bee17:
Hello room...I have a question to ask and i'd be glad if my question is answered quickly.
have just been admitted as an undergraduate to a university which the school doesn't required any standardized test.
my question is..."is it a must for me to write a test before going to the embassy since d school doesn't require it?

your quick response is highly needed.
thanks.

write at least one test....either sat or toefl for embassy sake.
goodluck

winterstorm:
It depends on your current location . Read through this https://www.nairaland.com/2274417/how-get-jkk-house-ilupejuikorodu
Hope it helps.

It really helps. Thanks and God bless.

bigfrancis21:
https://prodigyfinance.com

International students qualify, with no cosigner needed. Only certain schools and courses are approved.

However, I would say be careful. If you must take the loan, only take it once (minimum of $15,000 is the least you could borrow). You don't want to get yourself into too much debt like majority of Americans. If the school is too expensive and you cannot afford at least one semester school fees, it is MUCH better to apply to a more affordable school easier to afford and graduate with much less debt or debt-free than to be saddled with heavy debt after graduation and that is when the reality of your situation would become clear. Having seen what others with heavy student loan debt go through month to month I am very glad that I did not go to school with student loan. #Financial freedom 101.

Thanks for your response. Just taking note of all available options.

toluene1234:
It really helps. Thanks and God bless.

welcome
Thank you.

Lala234:
You're right sir

Good luck!!

platypelloid:
Hello
You need to search for a school first
Then look for their requirements for international students on their website.
Try public universities.
Private are usually costly.
Write GRE AND IELTS OR TOEFL whichever the requirements of the university.
Feel free to ask questions when need be.

good suggestions

bee17:
Hello room...I have a question to ask and i'd be glad if my question is answered quickly.
have just been admitted as an undergraduate to a university which the school doesn't required any standardized test.
my question is..."is it a must for me to write a test before going to the embassy since d school doesn't require it?

your quick response is highly needed.
thanks.

since you have gotten admitted no need writing those exams. Just explain to the vo that your school don’t require it

toluene1234:
Good morning house. I need your urgent attention. I have GRE exam tomorrow, please someone should help on how to get to JKK HOUSE 229 IKORODU ROAD ILUPEJU, LAGOS.

Your feedback would be appreciated.

God bless you all.

Thanks

Depending on where you are coming from, any way if you are coming from the island or Surulere or Yaba and environs board a bus going to ketu, alight at Anthony then cross to the other side if the road and walk backward you can easily ask anyone where JKK House is, it is not far from there but if you are coming from Oshodi board a bus going to Yaba you can tell the driver or conductor that you will alight at JKK house, some might be nice and will drop u at the front of the building but if not, you will have to alight at Palm grove then walk backward and ask.

Shanid:
thank you bros, I ve browse through lots of graduate programs and occupational therapy seems the best choice for me ...i believe with occupational therapy ,I will get a job over there after school...so I thought ....im open to advice pls...thanks
Advice ..pls

I see, what did you study for UG?

EMMAACHILE:
Couldn't be better said than this. A Harvard MBA graduate can never be poor for example.
If the employability rate for these courses are low from the top schools, prodigyfinance.com would not guarantee and risk giving loans to prospective students. Remember all these courses are also stem courses. Also to note, most of these schools also give full or partial scholarships too.

I applied for an offer to IMD business school in Lausanne, Switzerland and was told the total needed fees was about $150,000 for a year course but you are almost guaranteed an offer of job, and some also start up their own ventures. Average pay from entry level graduates here is about $154,000 per annum.

An African MBA from Zambia raised about $10m after graduating from a business school in Europe (Utrecht business school), a year after graduation.

Yes, a Harvard MBA grad can be 'poor'..there are lots of stories out there on the internet. Like I've mentioned a few times here, it's more about your networks, potential referrals at top schools. You can spend several thousands of dollars and still not get a decent job.

biikeys:
I see, what did you study for UG?

child development and family studies

gokuu:
One thing you have to take note of is that what you’re paying for in these top programs is “access” to their professional network. But beyond the introductions, you will need to have a strong profile that speaks to the human capital needs of the organization. What you have done in your professional career? How exactly can that add value to their firm?

Of course, elite schools/programs have a significant advantage because their alums tend dominate Wall Street and DC politics and many industries, and connection is almost everything in America. But you must bring something to the table that goes beyond a degree certificate.

And, “averages” can be misleading. In the simplest form, an average of two individuals where one earns 250k and the other earns 50k, is 150k. The story behind the number is crucial.

I endorse this message.

Godchangemylife:
Hello, you can register for TOEFL on ets.org/toefl...it's around #67k. For free materials you will be offered when you register for the tutorial. If you have been denied before kindly state a reason for that so it can be figured out here.

N67k for TOEFL at this day and age?

Google B.Y MAFIT or contact Ponpon on nairaland.

biikeys:
Yes, a Harvard MBA grad can be 'poor'..there are lots of stories out there on the internet. Like I've mentioned a few times here, it's more about your networks, potential referrals at top schools. You can spend several thousands of dollars and still not get a decent job.

The Uber guy that gave me a ride a while back went to Harvard business school. Not saying he is wretched but he certainly does not earn $120k/year with or without bonuses.

Am craving agidi with ofe akwu and cold mmanya nkwu

brightdocare:
write at least one test....either sat or toefl for embassy sake. goodluck

Amen... thanks for that response. but am thinking of writing GRE...hope its helpful?

ThePianoGuy:
since you have gotten admitted no need writing those exams. Just explain to the vo that your school don’t require it

thanks bro...God bless you

Chidinho10:
Oga, MBA is not overrated!
That's why 40% of MBA applicants to top schools are Engineers/IT experts who need it for career growth. There are some roles in tech/IT management such as Product Management which most times requires some form of management Education and people with such roles earn higher than regular engineers and IT experts.

Also, your post graduation salary as an MBA depends on the industry you join. As an MBA from a top 10 school, you have lots of career options to take and if you're taking Finance or Consulting, your expected annual salary exceeds $120k (minus bonuses and sign on fees). 5-8 years after graduation, you earn up to $450k to $500k per annum in both consulting and finance (for the US market)

So if you are a graduate from a top 10 MBA program and you decide to take a lower salary, it's due to your industry preference, not because the market is bad.

Even today, some firms pay fresh graduates from pre-MBA masters degree programs from top business schools up to $90k. These are graduates that specialized in some niche areas such as Finance, Strategy and Analytics.

So Oga, MBA is not overrated! If it is, Mckinsey, Bain, BCG, Citi, Goldman Sachs, JP Morgan and other top firms will not be flocking around top business schools seeking for freshly minted MBA grads to fill up their Associate positions.

Thank you.

I just wanted to say that you are getting emotional over this topic, and you sound like MBA is something you want to do. I didn't mean to get you upset if I did nor discourage you. You are also quite excited over the quoted figures you've seen online and you think it is that easy but you need to be aware of these:

1) I assume that you are in Nigeria and would be studying MBA on an F1 visa. MBA is not a STEM-designated course which means that you cannot be employed on an H1B visa after graduation by any company. You will not be eligible for OPT (3-year post-graduation work opportunity for STEM students). You would need to have permanent residency to be employable nowadays which may likely take you an extra 1 to 3 years post-graduation to obtain. By the time you obtain your residency, you would not have been 'fresh off from school' as some employers prefer. Even for STEM-designated courses, with Trump's administration, chances of H1B sponsorship nowadays are very very slim.
Full list of STEM courses: https://www.ice.gov/sites/default/files/documents/Document/2016/stem-list.pdf

2) You probably don't know this but connection/knowing someone or 'networking' as they call it here is just as common as it is in Nigeria. Most of these people with 6 figures from an MBA landed their positions through old-boy friendships, connections or networking, in addition to having their MBA of course. An average Joe with an MBA can still land such high-paying positions but you have to be truly exceptional at what you do.

3) Speaking about your much-touted ROI. Now let us do the math. You spent $150,000 on average in heavy student debt to get an MBA. Let us assume that you are one lucky son of the stars and as an F1 student you graduated and out of nowhere got 'H1B sponsorship' at a $120,000 per year position right after graduation. Now you've worked so hard in school, made As and landed that $120,000 per year dream job. Wonderful.

Now you probably forgot that a heavy chunk of your income is taken away in taxes. For a $120,000 per year income, nearly $40,000 is taken from your paycheck in taxes. Precisely, $81,790 is what is left over after taxes are accounted for, which is about $6,815 per month. That is even though on paper it says that you earn $120,000, your actual take-home pay is $81,790 which is not 6-figures that you expected. https://www.taxformcalculator.com/tax/120000.html

Now it is time to start paying back all that student loan. The total amount which you will end up paying is probably over $200,000 which includes interest payments. You've graduated and the bank or financial institution has sent you a staggering bill of over $200,000 at xy% interest for 20 years with a monthly payment of $3250. Out of $6815 per month pay check ($3,145.26 every 2 weeks), you have to

- pay your student loan debt (anywhere between $3000 to $3,500 for that loan amount) per month. Read up here on this American who originally borrowed $68,000 to go to school who has to pay $113,000 back including interest. http://www.businessinsider.com/budget-paying-student-loans-2016-7 For this lady, she has to pay $2230 in monthly student loan payment for a bill of $113,000. For a bill of over $200k, you can expect your monthly payments to be nearly twice as $2230.

- pay your house rent (anywhere from $700 to $3000 depending on the housing type, number of rooms in the apartment rented, level of luxurious living) or monthly mortgage payments (if you bought a home)
- pay your utilities (you pay for all the 24-hour light, gas, Internet and running water that you enjoy - $100 to $350 on average depending on your level of usage)
- pay your monthly phone bill ($50 on average)
- pay your monthly auto loan (anywhere from $250 to $400)
- pay your monthly car insurance (anywhere from $80 to as high as $500 depending on how often you get into accidents, if you constantly get police tickets for overspeeding, running the red/stop light/sign etc. which stay on your driving record and bump up your monthly payments)
- pay for gassing up for your car ($100 on average)
- pay for feeding/groceries ($100 on average, that is if you can cook, which saves you more money than eating out)
- credit card bills/debt (if you accumulate any)
- miscellaneous expenses (such as parking tickets, tolls, relatives back home etc.)

Miscellaneous expenses: maybe in some months you manage to squeeze out $100 per month to save $500 and before you know it your family relative calls you from Nigeria telling you how they are suffering asking you to send them ordinary $1,000 so that they can start enjoying life. You look at your savings and you barely have $500 saved up and you don't know how to communicate this to your relative after all you already boasted to them sometime ago that you earn 6 figures per year. These calls just never stop coming in regularly. Now you are stuck in the rat race of majority of Americans - living from paycheck to paycheck and you dare cannot afford to lose your job.

At the end of the month, you are left with nothing as you struggle month to month servicing your $200k debt in student loans. High ROI isn't it?
It would be so easy for you to imagine an adjusted $81,000 per annum salary on a debt of over $200,000 as good ROI.

bigfrancis21:
I must say that you are getting emotional over this topic, and you sound like MBA is something you want to do. I didn't mean to get you upset if I did nor discourage you. You are also quite excited over the quoted figures you've seen online and you think it is that easy but you need to be aware of these:

1) I assume that you are in Nigeria and would be studying MBA on an F1 visa. MBA is not a STEM-designated course which means that you cannot be employed on an H1B visa after graduation by any company. You will not be eligible for OPT (3-year post-graduation work opportunity for STEM students). You would need to have permanent residency to be employable nowadays which may likely take you an extra 1 to 3 years post-graduation to obtain. By the time you obtain your residency, you would not have been 'fresh off from school' as some employers prefer. Even for STEM-designated courses, with Trump's administration, chances of H1B sponsorship nowadays are very very slim.

2) You probably don't know this but connection/knowing someone or 'networking' as they call it here is just as common as it is in Nigeria. Most of these people with 6 figures from an MBA landed their positions through old-boy friendships, connections or networking, in addition to having their MBA of course. An average Joe with an MBA can still land such high-paying positions but you have to be truly exceptional at what you do.

3) Speaking about your much-touted ROI. Now let us do the math. You spent $150,000 on average in heavy student debt to get an MBA. Let us assume that you are one lucky son of the stars and as an F1 student you graduated and out of nowhere got 'H1B sponsorship' at a $120,000 per year position right after graduation. Now you've worked so hard in school, made As and landed that $120,000 per year dream job. Wonderful.

Now you probably forgot that a heavy chunk of your income is taken away in taxes. For a $120,000 per year income, nearly $40,000 is taken from your paycheck in taxes. Precisely, $81,790 is what is left over after taxes are accounted for, which is about $6,815 per month. That is even though on paper it says that you earn $120,000, your actual take-home pay is $81,790 which is not 6-figures that you expected. https://www.taxformcalculator.com/tax/120000.html

Now it is time to start paying back all that student loan. The total amount which you will end up paying is probably over $200,000 which includes interest payments. You've graduated and the bank or financial institution has sent you a staggering bill of over $200,000 at xy% interest for 20 years with a monthly payment of $3250. Out of $6815 per month pay check ($3,145.26 every 2 weeks), you have to

- pay your student loan debt (anywhere between $3000 to $3,500 for that loan amount) per month. Read up here on this American who originally borrowed $68,000 to go to school who has to pay $113,000 back including interest. http://www.businessinsider.com/budget-paying-student-loans-2016-7

- pay your house rent (anywhere from $700 to $3000 depending on the housing type, number of rooms in the apartment rented, level of luxurious living) or monthly mortgage payments (if you bought a home)
- pay your utilities (you pay for all the 24-hour light, gas, Internet and running water that you enjoy - $100 to $350 on average depending on your level of usage)
- pay your monthly phone bill ($50 on average)
- pay your monthly auto loan (anywhere from $250 to $400)
- pay your monthly car insurance (anywhere from $80 to as high as $500 depending on how often you get into accidents, if you constantly get police tickets for overspeeding, running the red/stop light/sign etc. which stay on your driving record and bump up your monthly payments)
- pay for gassing up for your car ($100 on average)
- pay for feeding/groceries ($100 on average, that is if you can cook, which saves you more money than eating out)
- miscellaneous expenses

Miscellaneous expenses: maybe in some months you manage to squeeze out $100 per month to save $500 and before you know it your family relative calls you from Nigeria telling you how they are suffering asking you to send them ordinary $1,000 so that they can start enjoying life. You look at your savings and you barely have $500 saved up and you don't know how to communicate this to your relative after all you already boasted to them sometime ago that you earn 6 figures per year. These calls just never stop coming in regularly.

At the end of the month, you are left with nothing as you struggle month to month servicing your $200k debt in student loans. High ROI isn't it?
It would be so easy for you to imagine an adjusted $81,000 per annum salary on a debt of over $200,000 as good ROI.

This is how to dress a nake.d topic.....
Not bend down select but better cloth

LagosismyHome:
This is how to dress a nake.d topic.....
Not bend down select but better cloth

I must say, that is a good analysis (on the surface) from bigfrancis21

LagosismyHome:
This is how to dress a nake.d topic.....
Not bend down select but better cloth

Lolll. Trying to explain something like debt/loans is a concept most of us back home do not understand, primarily because it is not something we are often used to. I often like to regard myself as among the privileged subset of people in this country with a US Master's degree that have no student loan. That means that I am able to channel all my extras into other useful ventures.

Oh my God! This is one of those rear posts I've seen in years, This guy is just too much. Look at the way he handle the topic with zero insult . He articulated the issue with concrete examples. Bro. This post is priceless. Boss! May Almighty Allah continue to enrich your cranium and it's complement.

Lastly, what's your AWA score when you took your GRE?

bigfrancis21:
I must say that you are getting emotional over this topic, and you sound like MBA is something you want to do. I didn't mean to get you upset if I did nor discourage you. You are also quite excited over the quoted figures you've seen online and you think it is that easy but you need to be aware of these:

1) I assume that you are in Nigeria and would be studying MBA on an F1 visa. MBA is not a STEM-designated course which means that you cannot be employed on an H1B visa after graduation by any company. You will not be eligible for OPT (3-year post-graduation work opportunity for STEM students). You would need to have permanent residency to be employable nowadays which may likely take you an extra 1 to 3 years post-graduation to obtain. By the time you obtain your residency, you would not have been 'fresh off from school' as some employers prefer. Even for STEM-designated courses, with Trump's administration, chances of H1B sponsorship nowadays are very very slim.

2) You probably don't know this but connection/knowing someone or 'networking' as they call it here is just as common as it is in Nigeria. Most of these people with 6 figures from an MBA landed their positions through old-boy friendships, connections or networking, in addition to having their MBA of course. An average Joe with an MBA can still land such high-paying positions but you have to be truly exceptional at what you do.

3) Speaking about your much-touted ROI. Now let us do the math. You spent $150,000 on average in heavy student debt to get an MBA. Let us assume that you are one lucky son of the stars and as an F1 student you graduated and out of nowhere got 'H1B sponsorship' at a $120,000 per year position right after graduation. Now you've worked so hard in school, made As and landed that $120,000 per year dream job. Wonderful.

Now you probably forgot that a heavy chunk of your income is taken away in taxes. For a $120,000 per year income, nearly $40,000 is taken from your paycheck in taxes. Precisely, $81,790 is what is left over after taxes are accounted for, which is about $6,815 per month. That is even though on paper it says that you earn $120,000, your actual take-home pay is $81,790 which is not 6-figures that you expected. https://www.taxformcalculator.com/tax/120000.html

Now it is time to start paying back all that student loan. The total amount which you will end up paying is probably over $200,000 which includes interest payments. You've graduated and the bank or financial institution has sent you a staggering bill of over $200,000 at xy% interest for 20 years with a monthly payment of $3250. Out of $6815 per month pay check ($3,145.26 every 2 weeks), you have to

- pay your student loan debt (anywhere between $3000 to $3,500 for that loan amount) per month. Read up here on this American who originally borrowed $68,000 to go to school who has to pay $113,000 back including interest. http://www.businessinsider.com/budget-paying-student-loans-2016-7 For this lady, she has to pay $2230 in monthly student loan payment for a bill of $113,000. For a bill of over $200k, you can expect your monthly payments to be nearly twice as $2230.

- pay your house rent (anywhere from $700 to $3000 depending on the housing type, number of rooms in the apartment rented, level of luxurious living) or monthly mortgage payments (if you bought a home)
- pay your utilities (you pay for all the 24-hour light, gas, Internet and running water that you enjoy - $100 to $350 on average depending on your level of usage)
- pay your monthly phone bill ($50 on average)
- pay your monthly auto loan (anywhere from $250 to $400)
- pay your monthly car insurance (anywhere from $80 to as high as $500 depending on how often you get into accidents, if you constantly get police tickets for overspeeding, running the red/stop light/sign etc. which stay on your driving record and bump up your monthly payments)
- pay for gassing up for your car ($100 on average)
- pay for feeding/groceries ($100 on average, that is if you can cook, which saves you more money than eating out)
- credit card bills/debt (if you accumulate any)
- miscellaneous expenses (such as parking tickets, tolls, relatives back home etc.)

Miscellaneous expenses: maybe in some months you manage to squeeze out $100 per month to save $500 and before you know it your family relative calls you from Nigeria telling you how they are suffering asking you to send them ordinary $1,000 so that they can start enjoying life. You look at your savings and you barely have $500 saved up and you don't know how to communicate this to your relative after all you already boasted to them sometime ago that you earn 6 figures per year. These calls just never stop coming in regularly. Now you are stuck in the rat race of majority of Americans - living from paycheck to paycheck and you dare cannot afford to lose your job.

At the end of the month, you are left with nothing as you struggle month to month servicing your $200k debt in student loans. High ROI isn't it?
It would be so easy for you to imagine an adjusted $81,000 per annum salary on a debt of over $200,000 as good ROI.

Hello Guys. Please I need your help on this. If you have a fully funded offer (Tuition waived and stipend) and you are just required to pay some mandatory fees and health insurance, do you have to pay for these before applying for visa or simply present the account statement to the VO duing the visa interview (If he asks for it)?

Quoran:
Hello Guys. Please I need your help on this. If you have a fully funded offer (Tuition waived and stipend) and you are just required to pay some mandatory fees and health insurance, do you have to pay for these before applying for visa or simply present the account statement to the VO duing the visa interview (If he asks for it)?

Most schools allow you to pay them when you get there , after visa and during resumption

The bank statement is sufficient and answering other questions well too

Quoran:
Hello Guys. Please I need your help on this. If you have a fully funded offer (Tuition waived and stipend) and you are just required to pay some mandatory fees and health insurance, do you have to pay for these before applying for visa or simply present the account statement to the VO duing the visa interview (If he asks for it)?

Your I20 will have the funding on it so the only bank statement you may need to present is the difference between the funding you got and what you need to make up for.

However, this depends on how much funding you are to receive. For e.g, if it covers your stipend and tuition, then the mandatory fees and insurance are already subsets of that stipend and therefore only your I20 will suffice as a financial statement.