A student’s budget is often high based on the cost of studying at certain schools. Thus, despite the support of parents and any public aid (housing allowance, study grants, etc.), it is sometimes necessary to take out a loan to make ends meet. Most banks offer specific student loans.
Student loan: the conditions for obtaining
Banks’ student loans are mainly aimed at young people aged 18 to 25. To qualify, the student must be enrolled in a higher education establishment. Regardless of the nature and duration of the studies pursued: BTS, university, grandes écoles, etc. The student must also provide parental or third-party guarantees and possibly take out death and disability insurance to obtain their loan (most banks require it).
How to choose the right student loan, and at what price?
Student loans are granted at a desirable interest rate, on average 2 to 3 points lower than conventional loans. The loan amount depends on the student’s needs, the duration of his studies, and the possibilities of repayment once he has entered working life. This amount can vary from €800 to €30,000.
A loan to finance your studies or to use freely
The borrower is not required to justify its use of the sums borrowed. They can also be used to finance studies, cover everyday expenses (rent, deposit, transport, etc.), and finance the acquisition of capital goods.
Some banks also offer gradual release, meaning that the funds can be released a little each year instead of being made available. This formula is absorbing because the funds are paid according to the student’s actual needs. The total cost of credit is lower because interest only accrues from each release of funds.
A student loan is repaid after studies.
The repayment method for student loans is unique. Reimbursement will only begin at the end of “deferred reimbursement” or “franchise period.” This deferral allows the student to repay his loan only once his studies have been completed, and a stable job has been found. Therefore, the duration of this period corresponds to that of his studies with a small margin for more flexibility. Two deferred formulas exist the partial deferred and the total deferred. The borrower only pays the interest and insurance contribution with a partial deferral. With a complete moratorium, he pays only the insurance.
At the end of his studies, the borrower repays the entire loan. This second solution seems more attractive, but it is also more expensive because, during the deferred period, the interest due each year is added to the amount of the capital borrowed and produces interest. Banks generally limit the total duration of the loan to nine years, so the longer the deferred period, the shorter the repayment will be.
Early student loan repayment
Note that it is possible to repay at any time in advance without giving any reason or proof.
However, as of May 1, 2011: an early repayment indemnity may be provided if the amount reimbursed is more significant than 10,000 euros over 12 months, and this indemnity may not exceed:
- 1% of the amount of the credit if the remaining duration of the credit is more significant than one year,
- 0.5% if this duration does not exceed one year.
Under no circumstances may any compensation exceed the amount of interest you would have paid between the date of early repayment and the contract’s end date.
Five Tips That First-Year University Students Need to Know
Giving gifts can sometimes feel like a major chore. Even if you know someone well, finding that perfect gift can feel impossible. Having Canadian gift baskets can go a long way towards helping you out.
There are a few unique ideas out there that can make for the perfect gift. Here are some of the best basket ideas to give, whether you are Canadian, the person you are gifting is Canadian, or you just feel like doing something a little different.
1. Maple Syrup
There might be nothing quite as Canadian as maple syrup. The two are synonymous with one another and can make for a great gift, especially for someone who is a bit of a foodie. This isn’t something you can buy at the grocery store; it is specially made and of a higher quality than people can find in their local groceries.
This kind of maple syrup comes in different forms—blonde, amber, and copper. They each have a different flavour profile and go with different foods. You can even package them up as a trio and give them to someone in your life who would appreciate the flavour and quality.
2. Smoked Salmon
Food is a great gift to give, especially if someone in your life is a bit of a foodie. Gifting them a delicious food can tickle their tastebuds in all the best ways and even possibly introduce them to something that they may not have known about or tried before.
Smoked salmon is one of those gifts. Salmon is one of the finest fish dishes out there and is prominent in some parts of Canada. Buying a smoked salmon and having it delivered in a beautiful box can make for one of the best gifts that you give. It can make you the hit of the holidays, giving a gift that no one else has thought of.
3. Ice Wine
Who doesn’t love wine? Wine is one of the easiest gifts that you can give to just about anyone, sure to be a hit with a wide array of gift recipients. The best part about ice wine is that it is great as a dessert wine due to its rich taste, velvety smoothness, and intense flavour.
There are a wide array of flavours to choose from, meaning that you can find something for just about anyone in your life. There are different wines to try from all across Canada, giving a good representation of what the flavours of each province are.
4. Wool Blanket
If you are looking for Canadian gift baskets, let’s face facts: it gets cold in Canada. So, what better way to show someone you care for them than getting them a warm, comfortable wool blanket?
There are a number of designs out there that can go with just about anyone’s personal tastes. Even better, it is sure to keep them warm and cozy no matter how cold it gets outside. It can be the perfect gift for just about anyone.
5. Aboriginal Art
Art is always a unique gift to give, depending on the person in question. Some have their own specific tastes when it comes to artwork, so it can take a little bit of care to determine which piece would be best for anyone.
But Canada has a history of aboriginal art dating all the way back to the Last Ice Age from as recently as 12,000 years ago. The oldest surviving works, however, are around 5,000 years old. This is a great way to give someone you know a unique gift.
Benefits of hiring online essay writers
Hiring an online essay writer has several benefits.
First, online essay writers save you time. Rather than spending hours researching and writing an essay, you can simply hire someone to do it for you.
Second, it ensures that your essay will be of high quality. A professional writer will have the skills and experience necessary to produce a well-written, informative essay.
Third, it allows you to focus on other aspects of your life. If you’re struggling to balance work and school, hiring an online essay writer can help you free up some time in your schedule.
Fourth, it is a convenient option. You can communicate with your writer from the comfort of your own home, and they can deliver the finished product directly to your inbox.
Finally, hiring online essay writers is a cost-effective solution. Rather than spending money on expensive textbooks or hiring a tutor, you can simply pay for someone to write your essay for you.
All in all, hiring an online essay writer is a smart choice for any student who wants to improve their grades.
- They do high-quality research
Expert essay writers know how to do high-quality research. They understand that the research process is important for two reasons.
First, good research helps them find accurate and up-to-date information to include in their essays.
Second, the research process helps them develop their own insights and arguments.
As a result, expert essay writers invest a significant amount of time and effort in researching their topics.
They use a variety of sources, including scholarly journals, primary sources, and statistical data. In addition, they carefully analyze and synthesize their findings before incorporating them into their essays.
By following these steps, expert essay writers are able to produce well-researched, insightful, and original essays.
- They are time-saving
Do you have an important essay due, but don’t have the time to write it yourself? Do you feel like you’re stuck in a never-ending cycle of procrastination and poor grades? Well, fear not!
Expert essay writers are here to help. With their time-saving essay writing service, they can take care of everything for you.
You just connect with them and take their services for your academic goals!
- They write plagiarism-free essays
A lot of people think that all you need to do to write a great essay is come up with a good topic, but that’s only the beginning.
If you want your essay to be successful, you need to make sure that it’s free of plagiarism.
That’s where our expert essay writers come in – they can help you write an essay that’s original and authentic.
Plus, all of their essays are written from scratch, so you don’t have to worry about copied content.
- They offer free unlimited revisions
Finding a good and reputable essay writer can be a challenge. But, don’t worry. We’ve got you covered. Some expert essay writers offer unlimited revisions so that you can be sure you’re getting the best paper possible. Plus, all of their papers are 100% plagiarism-free so you can rest assured that your work is original.
Importance of essay writing services
There’s no denying that the essay is a staple of the modern student’s diet. We’re assigned them in high school, college, and even graduate school.
And while we all hate them, we also know that they serve an important purpose. By requiring us to articulate our thoughts on paper, essays help us to better communicate our ideas.
They also force us to structure our arguments in a logical way, which can be helpful when trying to persuade others. Moreover, essays provide an opportunity to reflect on complex concepts and to practice critical thinking skills.
So next time you’re staring down a blank page, try to think of it as an opportunity to flex your mental muscles and sharpen your communication skills. Who knows? You might even enjoy it.
5 Tips To Help You Choose The Right Masters Course
Deciding to study a master’s course can be a hugely exciting prospect as a marks the start of a new time of opportunities and learning for you. However, while a master’s course is a very exciting time, it is also a big investment and commitment. To be able to complete your master’s to a high standard and get all that you can from the course, you will need to dedicate your time and recourses to the course.
This guide has been created for anyone who is interested in taking a master’s course but is struggling to find the right course for them by showing you the top tips to help you choose the right master’s course.
1. Outline Your Reasoning
The first step when it comes to finding the right master’s course for you is to take the time to outline exactly why you are looking to take on the commitment of further studies. Are you looking to progress further in your current career? Are you looking to gain the requirements you need to work in a particular field? Or to gain a specific position?
Taking the time to define exactly why you are looking to study a master’s program is an essential step for ensuring you are able to choose the right master’s program for you. During the process of defining the reason why you are looking to study a master’s program, you should try to take outside opinions out of the process. You should try to focus on your own personal motivations, interests, and personal and professional goals.
It is not unlikely that defining your reasoning behind why you want to study a master’s program will lead you to one specific course. This is particularly common for courses like a masters in national security, where there are only a limited number of well-respected programs in the field. However, if you do not have such a clear view of what you want to do after graduating from the master’s program, or you have a wide range of different possible courses available to you, then you will need to spend more time choosing the right master’s course.
2. Consider Your Restrictions
Once you have defined your reasons why you want to pursue a master’s program, it is then useful to spend some time considering what restrictions could limit your choice. For example, you might be limited by location, the time you are able to spend studying, or the amount of money you are able to pay for a course. Clearly outlining what limitations might affect your choice early on will help you to be clear and focused when it comes to finding the right course for you later down the line.
If you do find you are limited by location, it is worth considering whether you would be happy to study an online master’s course. There are many very well-respected online programs that enable you to learn from some of the most respected people in their field, no matter where you are living.
3. Think About How You Wish To Learn
When you are choosing a master’s course, you should not only think about what you are getting out of the course but the process of learning too. The majority of master’s courses differ from undergraduate courses as they are less hands-on and leave the work and inquiry up to the students themselves.
There are two main forms of master’s programs that you can choose from, and these are taught masters and research-led programs. A taught master’s is more similar to an undergraduate program and usually involves a series mixture of workshops, lectures, and seminars. Whereas a research-led master’s course will offer you more independence and might not even have set taught modules. It is likely for a research-based program that you will be working by yourself on different projects and conducting your own research with support from your academic supervisor.
Taking the time to think deeply about how you work, what type of support you require, and what you would most enjoy can be critical when it comes to finding the right master’s program for you.
Research is a hugely important process when it comes to finding the right master’s course for you. There is a range of different forms of research that you should undertake to help you find the right master’s course. You should spend time looking into the details of each course you are interested in to discover more about what you would study, the course values, and the aims. You should also look into the professors and tutors on the course to find out more about their areas of interest and expertise.
If you can, it is useful to reach out to existing or old students to find out about what the course is like from a student’s perspective. This can be a great opportunity to gain more insights into how the course is structured and what it’s like to study this program.
It is also useful to spend some time looking at the university as a whole to find out about what life is like with that institution and what border support they might offer.
5. Visit The School
When you are narrowed down your options, it can be hugely useful to make a trip out to visit the school that you are considering studying at. Taking the time to visit each school will help you to gain a clearer idea of what your life would be like if you came to study at this institution. You can also take the time to scout out the facilities and compare what each university will offer in terms of extra opportunities, facilities, and support.
Taking the time to go and visit the university campuses that you are interested in studying can also be hugely helpful as it will give you an opportunity to visit the relevant departments. You should notify the department of your intention to visit to try to arrange an opportunity to meet some of the tutors and professors so you can ask more questions and learn more about the different courses.
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