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How to make the most of CPT without risking your visa status

Curricular practical training (CPT) is one of the most important work opportunities international students can access during their postgraduate studies in the U.S. It allows you to take what you’re learning in the classroom and apply it to real-world experience—often paid, often career-defining.

But CPT isn’t automatic, and it isn’t risk-free. While it can be a major advantage on your career timeline, misusing it—or misunderstanding the terms—can put your visa status at risk.

Here’s how to use CPT to build your resume and future job prospects while staying fully compliant with your F-1 visa.

First, understand what CPT is (and isn’t)

CPT allows international students studying overseas on F-1 visas to gain off-campus work experience if the job is an integral part of their academic program. That means it’s either required by your degree or earns academic credit.

There are two key types of CPT:

Both must be authorized through your school’s DSO (Designated School Official) before you begin working—not after.

One common misconception – that CPT for international students is a generic work permit. It’s not. The job must be tied to your academic track, and unauthorized work—even remote freelance gigs—can cause problems with your immigration record.

The timing trap: When and how to apply

CPT eligibility usually begins after you’ve completed one full academic year in the U.S. Some programs with required internships built into the curriculum may allow earlier participation, but that’s the exception—not the rule.

To apply, you’ll typically need:

You must have CPT authorization on your I-20 before your first day of work. There’s no grace period, and even one day of unauthorized employment could result in a violation.

How to maximize CPT without putting your visa at risk

CPT can be an incredibly valuable part of your student experience—if you manage it well. Here’s how to do that:

Choose a job that adds to your long-term resume

Not all internships are created equal. Prioritize roles that give you real project ownership, relevant skills, and mentorship—even if they pay a little less.

Be cautious with multiple CPT authorizations
Frequent or overlapping CPT approvals may draw attention from USCIS later, especially during OPT or H-1B applications. Stick with jobs that are clearly aligned with your field and easy to justify academically.

Avoid full-time CPT that spans 12 months or more
If you use 12 months or more of full-time CPT, you forfeit your eligibility for OPT. Part-time CPT doesn’t count against OPT time, so if you’re hoping to work after graduation, be strategic.

Don’t work remotely for non-approved employers
Even if you’re technically working from your apartment, a remote job still counts as employment. If it’s not approved for CPT, it’s a violation.

Keep your I-20 and academic credits up to date
If your job changes significantly or ends early, inform your DSO. And always make sure your CPT experience aligns with the course credit or requirement you were approved for.

How MPOWER Financing helps you navigate CPT with confidence

Managing CPT is more than filling out forms—it’s also a balancing act of academics, career preparation, and financial planning. MPOWER Financing helps international students navigate this complexity with tools and resources built for their reality.

MPOWER students benefit from:

MPOWER helps you participate in high-value international student internships without needing to sacrifice your financial stability—or bend the rules to make ends meet.

 

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CPT is your proving ground—protect it

For many international students, CPT is the first real step into a U.S. workplace. It’s where you test your skills, start building a local network, and prove what you’re capable of in a professional setting.

Treat it like the career investment it is—but treat the rules with equal care. One strong, well-managed CPT experience is worth far more than multiple gray-area gigs that could jeopardize your future options.

Ask questions. Use your resources. And if you’re balancing funding or planning for future visa steps, know that support systems like MPOWER exist to help you make the most of CPT—without taking unnecessary risks.

 

STEM Majors in Demand in the U.S. (That Qualify for OPT Extensions)

If you’re pursuing a postgraduate STEM degree in the U.S. on an F-1 visa, you’re already on a path with strong career potential and a unique visa advantage. The U.S. government not only welcomes STEM talent but also offers extended work authorization through the STEM optional practical training (OPT) extension, giving international postgraduates up to 36 months of time to work after completing their degree.

But not all postgraduate degrees qualify. And not all STEM programs are equally valued in the job market. To make the most of your postgraduate education, it’s important to choose a major that aligns with both your long-term goals and employer demand.

Here’s what you need to know about in-demand STEM fields, OPT eligibility and where opportunity is growing fastest.

What makes a major STEM OPT-eligible?

To qualify for the 24-month STEM OPT extension, your degree must appear on the STEM Designated Degree Program List from the Department of Homeland Security (DHS). This includes many programs in science, technology, engineering and mathematics – but not all of them.

Eligibility is based on your program’s CIP (Classification of Instructional Programs) code, not just its name. You can usually find the CIP code on your I-20 form or by asking your university’s international student office. Common eligible categories include:

It’s worth double-checking eligibility before applying to a program – especially if your goal is long-term work in the U.S. International student job opportunities are strongest in fields like these, where U.S. employers are actively seeking diverse, STEM-educated talent.

The most in-demand STEM fields in the U.S.

The following STEM majors and fields not only qualify for the 24-month OPT extension but also offer strong job growth, competitive salaries and widespread visa sponsorship opportunities.

Computer science and software engineering
Among the most popular STEM degrees for international students are computer science and software engineering, and for good reason. Roles in software development, systems architecture, cybersecurity and AI engineering are consistently in demand. Nearly every major tech company sponsors international hires with these backgrounds. Internships for international students in the U.S. often serve as crucial first steps in these fields, offering real-world experience and exposure to the job market.

Data science and analytics
From healthcare to finance to tech, data science roles are everywhere. Skills in Python, R, SQL and machine learning make this one of the most flexible and high-growth paths in today’s job market.

Electrical and mechanical engineering
These classic engineering disciplines remain essential across manufacturing, energy, automotive and defense industries. Companies hiring in these fields often have longstanding histories of hiring international graduates.

Biotechnology and life sciences
With advances in genomics, bioengineering and pharmaceuticals, there’s growing opportunity for STEM grads in biology-related fields – especially in research hubs like Boston and San Diego.

Environmental engineering and sustainability
Sustainability is more than a buzzword. With increased investment in green infrastructure and clean tech, degrees in environmental science and engineering are seeing a surge in job openings tied to climate resilience and energy transition.

Mathematics, statistics and actuarial science
Math-based roles are in high demand for positions in finance, insurance and advanced analytics. These degrees also align well with quantitative research positions in the U.S. tech and finance sectors.

Financial aid for international students pursuing these degrees can make a real difference, covering living costs and educational expenses so you can focus on your studies and career goals.

How to verify your postgraduate degree’s eligibility for STEM OPT

To confirm whether your degree is STEM OPT eligible:

Choosing a degree that appears on this list ensures you’ll be eligible for the 24-month extension beyond your initial OPT period, giving you a critical advantage in the job market.

How MPOWER Financing supports international students in STEM fields

MPOWER Financing was built for international postgraduate students pursuing STEM degrees in high-demand fields like computer science, engineering and data analytics. MPOWER’s no-cosigner student loans are available to students at top universities across the U.S. and Canada – and MPOWER doesn’t stop at funding.

Students who borrow from MPOWER also gain access to Path2Success, a free program that includes:

In the U.S., MPOWER helps students cover tuition, living expenses and tools like certification courses or laptops, giving STEM grads what they need to launch strong careers after graduation. In Canada, MPOWER loans cover tuition and any other university-invoiced expense.

 

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Choose a major that builds momentum

The right postgraduate STEM degree can open doors – not just during school, but long after. By focusing on STEM OPT majors and programs that align with both your interests and job market demand, you can set yourself up for long-term success in the U.S. And with up to three years of OPT time, international STEM grads have a unique opportunity to gain real experience and establish a professional foothold.

Take the time to confirm your program’s eligibility, understand your options and plan ahead. With support from your school – and resources like MPOWER – your postgraduate STEM degree can become the start of something much bigger.

From CPT to OPT to H-1B: A career timeline for international students

For international postgraduate students in the U.S., earning a degree is just the start. What comes next – getting work experience, building a resume and securing long-term employment—requires strategic planning across multiple visa stages.

The path from classroom to full-time career often follows three key steps: CPT during your program, OPT after graduation and, for many, the H-1B work visa. Each phase builds on the last, and timing matters at every stage.

Understanding this timeline can help you prepare for key milestones and avoid delays that could cost you valuable time, work authorization, or even your ability to move to the United States.

Start early: Using CPT to gain experience during your program

Curricular practical training (CPT) for international students allows eligible F-1 students to participate in internships or work experiences tied to their academic program. It can be part time during the semester or full time during academic breaks—if approved by your school.

CPT is your first chance to apply classroom knowledge in a U.S. workplace. It also helps you:

Not all schools allow CPT immediately, and eligibility typically starts after one academic year. Some graduate programs require practical training from day one, which may accelerate your timeline.

OPT: Your first full-time job opportunity after graduation

Optional practical training (OPT) is the next major phase. Once you graduate, you’re eligible for up to 12 months of full-time employment under OPT—provided your work relates to your degree field.

This is often when international students land their first U.S. job in tech, finance, research, or other sectors. It’s a critical window to gain experience, demonstrate value to employers and position yourself for visa sponsorship.

STEM graduates can apply for a 24-month extension, bringing total work authorization to 36 months. That additional time can dramatically improve your chances of securing a long-term role or H-1B visa.

Keep in mind:

Where MPOWER Financing fits into your transition plan

Between CPT, OPT, and the job search that follows, international students studying overseas often face unpredictable financial needs. Relocation, visa fees, professional gear and temporary housing all add up—especially before your first paycheck.

MPOWER Financing supports students during this transition with:

This phase isn’t just about staying afloat—it’s about making strategic moves. With the right tools and flexibility, you can enter the workforce with more focus and less stress.

Planning ahead: Navigating the H-1B lottery and beyond

The H-1B visa is a common next step after OPT, allowing international graduates to work in the U.S. for up to six years in a specialty occupation. But it’s a competitive process, with a lottery system and strict deadlines.

Employers submit registrations in March, and selections are made soon after. If selected, you begin work under H-1B status on October 1. If not selected, you may still continue working under STEM OPT if you’re eligible and within the timeline.

This is why the OPT and STEM OPT windows are so valuable—they give you multiple attempts to enter the lottery while continuing to work legally.

To prepare:

Career success as an international student starts with timing

Each stage of your visa journey builds toward the next. What you do during CPT impacts your options during OPT. What you achieve during OPT shapes your chances for H-1B. It’s all connected—and the more intentional you are, the stronger your path becomes.

By staying organized, choosing employers carefully, and making use of support systems—like university advisors, mentors, and organizations like MPOWER—you can turn each step into progress toward a lasting career.

 

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STEM OPT extension: Everything you need to know to maximize your work time

For international students graduating from STEM programs in the U.S., optional practical training (OPT) offers a critical launchpad into the job market. But if your initial 12 months on OPT feel like they’re flying by, there’s good news: STEM OPT majors may be eligible for a 24-month extension – effectively giving you up to three full years of U.S. work experience.

The STEM OPT extension is a huge opportunity to build career momentum, secure long-term roles and position yourself for H-1B sponsorship or permanent residence. But it also comes with deadlines, documentation and rules that you can’t afford to miss.

This guide breaks down how the STEM OPT extension works, how to qualify and how to make the most of your extra time.

What is STEM OPT?

STEM OPT is a 24-month extension of post-completion OPT, available to F-1 visa holders who earned a degree in an eligible STEM field – science, technology, engineering or mathematics.

This extension is in addition to the standard 12-month OPT period, allowing a total of 36 months of U.S. work authorization after graduation. It’s one of the most valuable visa pathways for international postgraduates seeking longer-term employment and potential H-1B sponsorship. International student resources can help you navigate the STEM OPT process, from gathering the right documents to finding employers enrolled in E-Verify.

Who is eligible for the STEM OPT extension?

To qualify, you must:

Your employer must be willing to complete compliance-related steps, including reporting and evaluations. Keep this in mind when considering job offers during your first OPT year. Securing international student internships or co-ops in STEM fields can be an important stepping stone to meeting these requirements.

When and how to apply for STEM OPT

Timing is everything. If you miss the application window, you lose your chance to extend.

Here’s how to apply:

Once your application is received, you can continue working for up to 180 days past your OPT expiration while the extension is pending, as long as you filed on time.

How to use your STEM OPT time strategically

The extra two years on STEM OPT are more than a grace period – they’re a chance to strengthen your professional foundation in the U.S.

Here’s how to make the most of it:

Build continuity with your employer
Many students stay with the same employer from their initial OPT period into the STEM extension. This consistency can lead to more responsibility, mentorship and potentially H-1B sponsorship.

Pursue promotions or internal mobility
Use your extended time to level up. STEM OPT allows you to take on more complex roles – as long as they remain tied to your degree and meet reporting requirements.

Track reporting obligations
F-1 visa holders on STEM OPT must report to their DSO every six months and submit an annual self-evaluation (part of Form I-983). Missing deadlines can jeopardize your status, so calendar reminders are your best friend.

Switch employers the right way
You can change jobs while on STEM OPT, but your new employer must also be enrolled in E-Verify and willing to complete Form I-983. Submit an updated training plan and I-20 through your DSO as soon as the switch is confirmed.

Position yourself for the H-1B lottery
STEM OPT often serves as a bridge to H-1B status. Use this time to build a strong work track record, grow technical skills and work with immigration specialists or HR teams at your company to prepare for sponsorship.

How MPOWER Financing helps international STEM graduates stay career-ready

MPOWER Financing supports international STEM students before, during and after graduation – not just with flexible, no-cosigner student loans, but also with resources tailored to help navigate OPT and STEM OPT employment.

MPOWER students receive:

Students can also use MPOWER loans to manage living expenses, relocate for internships or invest in job-readiness tools like laptops, certifications or short courses during OPT.

If you’re preparing for STEM OPT or already working under it, MPOWER helps you stay ready – financially and professionally.

 

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Remember: STEM OPT is a launchpad, not a pause

Three years of U.S. work authorization is more than most international students ever get. It’s a runway – so use it to take off. Plan your application early, stay organized and treat each reporting requirement as a non-negotiable.

You don’t have to do this alone. With the right employer, university guidance and support tools like those offered by MPOWER, you can turn your STEM OPT extension into a stepping stone toward long-term success.

 

The best online jobs for F1 visa students (and how to stay compliant)

Online work can be a lifeline for F-1 visa students. Between the flexibility, convenience and potential income, it’s no wonder so many international students look for remote jobs during their postgraduate studies. But finding legal online work opportunities under visa restrictions can be confusing –  and in some cases, risky.

So what’s allowed? What’s worth pursuing? And how can students stay on the right side of immigration rules while building experience and earning money? This blog breaks it all down.

Why international students consider online work

With heavy class loads and visa restrictions limiting many off-campus roles, online jobs seem like an appealing workaround. They offer:

But flexibility doesn’t always equal legality – so understanding what’s allowed under your visa is critical.

What the rules say: Working online under an F-1 visa

There’s no specific law that bans “online work” under the F-1 visa. Instead, legality depends on whether the job is considered U.S.-based employment – and if it’s authorized as curricular practical training (CPT), optional practical training (OPT) or another acceptable type of work.

You may be able to work online legally in these situations:

Illegal online work would include freelancing for a U.S. company without CPT or OPT approval – even if the work is entirely remote.

When in doubt, talk to your university’s designated school official (DSO) before accepting any role.

Best online jobs that may align with CPT, OPT or non-U.S. freelance work

Here are some of the most popular and viable options for international students pursuing legal online work:

Remote internships through CPT or OPT
Look for paid roles in data analysis, digital marketing, UX/UI design, content strategy or software development. These can often be done remotely and still qualify as part of your practical training. International student internships are an excellent way to combine remote work flexibility with visa compliance and career growth.

Freelancing for non-U.S. clients
If you’re a designer, translator, coder, writer or editor, platforms like Upwork or Fiverr can connect you to overseas clients. Just make sure to avoid contracts with U.S. companies unless you’re properly authorized.

Online tutoring or test prep
Tutoring platforms like Preply or Cambly allow you to teach students abroad, often without being classified as U.S. employment. Focus on non-U.S. student markets and double-check the company’s legal structure.

Academic editing or peer review services
Some students work with academic publishers or peer-review platforms on a freelance basis, offering language review or formatting services to non-U.S. clients.

University-based remote jobs
If your school allows it, some on-campus roles may be completed online. Always get approval first and make sure they’re officially classified as on-campus employment.

How MPOWER Financing can support your job goals

MPOWER Financing offers more than no-cosigner student loans – it also helps international students prepare for legal employment in the U.S. through its Path2Success program.

Students with MPOWER loans gain access to:

And with MPOWER’s flexible personal education loan options, students can cover living expenses, tech equipment or training courses while building online income streams responsibly.

 

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Final thoughts: Online work can work – if you do it right

CPT for international students along with other work opportunities can be great for studying overseas, but only when done legally. Understanding your visa conditions, getting the right approvals and targeting non-U.S. or university-approved roles can help you earn income and gain experience without risking your status.

When in doubt, ask questions. Talk to your DSO. And lean on tools like MPOWER’s Path2Success to explore options that work for you – and with your visa.

 

Top 10 jobs for international students in the U.S.

Working in the U.S. as an international student can be a powerful way to build experience, strengthen your resume and ease financial stress. But it’s not always clear which jobs are legal or worth your time.

The good news? If you’re on an F-1 visa, there are several work options available to you both during and after your postgraduate studies. You just need to understand your visa rights, stay compliant and focus on jobs that align with your field or future goals.

Here’s a breakdown of high-value job options that are legal for international students under U.S. immigration guidelines – and that also tend to pay well.

On-campus employment: The easiest first step

Before diving into off-campus roles, don’t overlook the value of on-campus employment. This is often the first type of legal work available to international students under F-1 visa rules.

Popular roles include:

While wages vary, many of these roles pay between US$12–US$20 per hour. More importantly, these jobs build relationships with faculty and can lead to assistantship or curricular practical training (CPT) opportunities. If you’re considering these roles, remember that financial assistance for postgraduate students can ease living costs while you focus on building your U.S. experience.

Internships through curricular practical training

Curricular practical training (CPT) for international students allows you to pursue off-campus internships during your program, as long as the role is tied to your major and approved by your university.

Here are strong-paying internships that qualify under CPT:

These internships are not only compliant with F1 visa requirements, but often serve as stepping stones to post-graduation jobs and STEM optional practical training (OPT) eligibility.

Optional practical training (OPT) after graduation

OPT gives students up to 12 months of full-time work in the U.S. after completing their postgraduate degree, with a 24-month extension for STEM fields. It’s the most important period for building U.S.-based work experience.

Top jobs for international students on OPT include:

These roles often lead to H-1B sponsorship if the employer is visa-friendly.

A few tips for maximizing your job prospects

When you’re aiming for these top roles, knowing how to apply for F-1 visa extensions and work authorizations is critical to staying compliant.

How MPOWER Financing can help international students find and fund the right job

MPOWER Financing isn’t just a student education loan company – it also offers career support tailored for international students on F-1 visas.

Through its free Path2Successplatform, MPOWER students gain access to:

Plus, MPOWER’s no-cosigner student loans are designed to support tuition and living expenses while students pursue legal job opportunities during or after their studies.

Explore Path2Success and learn how MPOWER can support your postgraduate goals – both in the classroom and in the workplace.

 

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Historia de éxito de un estudiante internacional: De Colombia a la Universidad de Indiana

 

El estudiante colombiano Juan Ballen está haciendo realidad su sueño de estudiar en el extranjero cursando un MBA en la Kelley School of Business de la Universidad de Indiana. Su trayectoria ha estado marcada por la determinación, las nuevas experiencias y el inestimable apoyo de MPOWER Financing. Explore la historia de Juan, su motivación para estudiar en los Estados Unidos y los retos financieros que afrontó durante su viaje.

Motivación para venir a los Estados Unidos. 

Antes de venir a Estados Unidos, Juan estaba desarrollando su carrera profesional en el campo del análisis de datos en Colombia, pero necesitaba crecer profesional y académicamente más allá de las fronteras de su país. Pensó que un máster en administración de empresas en un país extranjero, con especialización en análisis empresarial, podría suponer un gran impulso para su carrera profesional. 

Juan escogió Estados Unidos porque quería sumergirse en un entorno rico en nuevas oportunidades. “Quería influir en mi carrera profesional en un entorno internacional donde hubiera más diversidad y profesionalidad. Sentí que era una gran oportunidad para emprender algo nuevo y tener un impacto en mi carrera profesional”, afirma.

Estudiar en Estados Unidos le ha brindado a Juan la oportunidad de conocer una cultura diferente, ampliar su red de contactos y adquirir una nueva perspectiva que contribuirá de manera significativa al crecimiento de su carrera profesional.

Retos financieros en el camino hacia la Universidad de Indiana

Como muchos estudiantes internacionales, Juan se encontró con dificultades económicas a la hora de financiar sus estudios y sus gastos de manutención en Estados Unidos. Para él, estudiar en el extranjero parecía un sueño inalcanzable hasta que descubrió MPOWER Financing.

“Uno de los momentos más importantes fue saber cómo iba a poder pagar mis estudios y seguir mis sueños”, afirma Juan. “En mi caso, fue una gran oportunidad para realizar una inversión realmente importante para mí MBA. Necesitaba mucho dinero y no era fácil encontrar la forma de pagarlo”.

MPOWER Financing le permitió a Juan superar los obstáculos financieros y perseguir sus metas académicas en el extranjero.

La historia de Juan con MPOWER Financing 

Juan se enteró de MPOWER Financing en una conferencia para estudiantes internacionales en los Estados Unidos y Canadá. Los competitivos tipos de interés y préstamos estudiantiles sin aval que ofrece MPOWER le atrajo especialmente, dadas las limitadas opciones disponibles en Colombia.

“Descubrí que una de las mayores ventajas de MPOWER era la facilidad del proceso”, añade. Contar con la financiación garantizada de una entidad crediticia estadounidense de prestigio cumple con los requisitos de la escuela para expedir un formulario I-20. 

Juan recuerda cómo se sintió cuando le concedieron el préstamo:
“Cuando recibí la aceptación, fue una emoción inmensa para mí. Y sabía que le iba a abrir muchas puertas para el futuro”.

Gestión de los pagos de préstamos MPOWER

Juan es consciente de la importancia de gestionar eficazmente los pagos de su préstamo MPOWER y ha elaborado un presupuesto que incluye sus pagos recurrentes.

Juan depende de una combinación de fuentes de financiación para cubrir los pagos mensuales de la escuela. “Una parte del pago proviene de los ahorros que tenía anteriormente. Además, estoy haciendo una solicitud para ser asistente de profesor o asistente de un departamento”, afirma. Este enfoque estratégico le proporciona estabilidad financiera y le ayuda a gestionar el pago de intereses.

Al hacer uso de recursos como MPOWER y tomar empleos de medio tiempo, Juan puede cubrir los pagos de su préstamo y construir con éxito su crédito en los Estados Unidos mediante el pago puntual. “Estas oportunidades me permiten obtener unos ingresos adicionales y tener una mayor estabilidad financiera para pagar los intereses”, señala.

Consejos para otros estudiantes internacionales 

Juan considera que los retos financieros no deben impedirle alcanzar sus aspiraciones. En su lugar, anima a utilizar financiación como los préstamos para estudiantes de MPOWER Financing para hacer accesible la educación en el extranjero.

Además, Juan hace énfasis en la necesidad de aceptar nuevas experiencias y estar abierto a las diversas perspectivas con las que se encontrará. “El cambio cultural le enseña a ver muchas cosas nuevas”, afirma. Al administrar sus finanzas de manera sensata y mantenerse flexible, podrá aprovechar al máximo su experiencia educativa en los Estados Unidos.

¿Necesita ayuda para financiar sus estudios en el extranjero? Inicie una solicitud y compruebe su elegibilidad en menos de un minuto.

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Historia de éxito de un estudiante internacional: De Colombia a la gestión de la seguridad en Canadá

 

Para muchos estudiantes internacionales, el camino hacia la educación superior en el extranjero se ve plagado de retos, tanto económicos como culturales. Geovanny López, un estudiante determinado de Colombia, es un claro ejemplo de este proceso, ya que está cursando un Máster en Ciencias en Gestión de la Seguridad en el Instituto Tecnológico de Nueva York (NYIT) en Vancouver, Canadá. Su historia es una historia de resiliencia y adaptación en su trayectoria académica y profesional.

Elegir Canadá para una oportunidad educativa única

Geovanny eligió estudiar en Canadá para impulsar su carrera y mejorar sus opciones profesionales, consciente de que en su país natal tenía pocas posibilidades de continuar con estudios superiores. En adición, Geovanny quería ofrecer a su familia, especialmente a sus hijos, la oportunidad de mejorar su inglés y experimentar la vida en un entorno cultural diferente.

Con experiencia en trabajos técnicos y confidenciales relacionados con la seguridad, Geovanny esperaba que un título superior mejorara sus perspectivas profesionales. “Quería ampliar y mejorar las habilidades de mi carrera profesional que me permitieran seguir creciendo y desarrollándome profesionalmente”, afirma.

Adaptación a una nueva vida en Canadá

Mudarse a Canadá supuso un cambio importante para Geovanny y su familia. “Emigrar es un gran cambio”, reconoce. La transición exigió adaptarse a nuevas normas culturales y conciliar las exigencias del trabajo y los estudios. “Lo positivo es que vine con mi familia. He recibido un gran apoyo por su parte”, afirma. A pesar de los inconvenientes, en el último año se han ido adaptando poco a poco a su nuevo entorno.

Los retos financieros y la búsqueda de soluciones

La financiación de sus estudios fue uno de los obstáculos más difíciles a los que se enfrentó Geovanny. “No fue fácil conseguir el dinero”, admite. En su calidad de estudiante internacional, se topó con requisitos estrictos y opciones limitadas por parte de los bancos tradicionales. “Es casi imposible, la verdad. Los bancos no conceden préstamos, y en un momento dado tuve que traer el dinero desde Colombia”, afirma, reflejando las dificultades económicas generales a las que se enfrentan muchos estudiantes internacionales.

Descubra MPOWER Financing: Un punto de inflexión

El alto tipo de cambio entre el peso colombiano y el dólar canadiense complicó aún más las dificultades económicas de Geovanny. Por aquel entonces, un dólar canadiense valía aproximadamente 3000 pesos colombianos, por lo que financiar sus estudios en Canadá con los ingresos obtenidos en Colombia suponía un esfuerzo considerable. Geovanny encontró una solución en MPOWER Financing.

MPOWER Financing ofrece soluciones financieras a medida para estudiantes internacionales y una alternativa viable a los bancos tradicionales. Geovanny encontró el proceso de solicitud sencillo y eficiente. “El proceso de solicitud fue muy sencillo. Recibí una respuesta rápida», afirma. La colaboración de MPOWER con el NYIT agilizó aún más el proceso, lo que permitió el pago directo a la universidad y alivió el estrés de gestionar transacciones internacionales.

Un futuro prometedor por delante

Geovanny afirma que sus estudios van bien. “Veo mi futuro bien, lo veo con optimismo”, afirma.  Él y su familia están abiertos a la posibilidad de quedarse en Canadá, en función de las oportunidades laborales y la comodidad de su familia.

Consejos para otros estudiantes internacionales

Geovanny alienta a otros estudiantes internacionales a estudiar en el extranjero. “Mi consejo para los estudiantes internacionales”, dice Geovanny, “es que lo tengan todo muy bien planificado”. Según él, la preparación es fundamental, desde la planificación financiera hasta la comprensión de las diferencias culturales. Adaptarse a un nuevo país conlleva numerosos cambios, y estar bien preparado puede facilitar la transición.

MPOWER Financing: Un recurso recomendado

Geovanny se ha convertido en embajador de MPOWER Financing: “Recomendaría MPOWER, sin duda alguna. De hecho, ya lo he hecho”, afirma, subrayando el impacto positivo que MPOWER ha tenido en su trayectoria educativa.

Para los estudiantes colombianos y otros académicos internacionales, MPOWER Financing es un salvavidas que simplifica el aspecto financiero de estudiar en el extranjero y les permite centrarse en sus aspiraciones académicas y profesionales. El viaje de Geovanny es un testimonio de la diferencia que MPOWER puede marcar, convirtiendo los sueños de una educación internacional en realidad.

¿Necesita ayuda para financiar sus estudios en el extranjero? Inicie una solicitud y compruebe su elegibilidad en menos de un minuto.

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História de sucesso de um estudante internacional: Do Brasil para a Universidade de Harvard

 

Michael Cerqueira é natural do Brasil, e mesmo tendo se formado recentemente em Harvard, ele sempre soube que queria voltar para casa para promover grandes mudanças em sua comunidade.

“Eu fui para a Universidade de Harvard com completa clareza de que voltaria para o Brasil”, diz Michael. “Todos os meus sonhos, minha carreira [e] a maneira de impactar o mundo estão conectados com o Brasil.”

Michael se formou com um mestrado em administração pública. Agora, ele trabalha com grandes grupos no Brasil para incentivar outros brasileiros a estudarem nos EUA e fazerem a diferença em suas comunidades. Veja como a MPOWER Financing ajudou Michael a perseguir seu sonho educacional e como ele está incentivando outros a seguir um caminho semelhante.

Encontrando financiamento para empréstimos estudantis

As despesas educacionais são altas para estudantes internacionais, e Michael já esperava pagar uma quantia considerável. Um mestrado em educação pública em Harvard custa quase US$ 92.000 por ano. Felizmente para Michael, ele teve ajuda.

“O processo de estudar no exterior é muito caro”, afirma. “Consegui uma série de bolsas de estudo, mas faltava uma parte dos custos de vida, que são importantes. A MPOWER entrou e me apoiou.”

Michael recebeu financiamento de empresas privadas e organizações sem fins lucrativos no Brasil para cobrir parte de suas despesas, e seu empréstimo estudantil da MPOWER preencheu a lacuna restante, permitindo que ele completasse sua educação durante seus dois anos em Harvard.

Como aproveitar ao máximo estudar nos EUA

O medo de contrair empréstimos pode impedir muitos estudantes internacionais de se aventurarem a estudar nos Estados Unidos. Michael conta que alguns estudantes brasileiros hesitam em pegar empréstimos americanos devido à taxa de câmbio desfavorável. Mas, segundo ele, assumir essa dívida vale o investimento no longo prazo.

“Eu jamais deixaria de aproveitar a oportunidade de estudar no exterior por medo de pegar um empréstimo”, diz Michael. “Meu convite aos brasileiros é para que não deixem que isso seja um impedimento para estudarem fora.”

Michael só começou a pagar seu empréstimo depois de se formar. E ele tem conseguido pagar as parcelas confortavelmente, já que atualmente trabalha na Fundação Lemann, uma das instituições que ajudaram a custear sua educação em Harvard. Manter uma conta bancária nos EUA também ajudou a tornar o processo de pagamento mais simples.

“A MPOWER é uma solução muito simples, porque é toda online”, ele explica. “É muito competitiva em termos de juros. As condições de pagamento também são flexíveis.”

Las tasas de interés fijas de MPOWER son tan bajas como 9.99% (10.89% TAE). Esta tasa incluye un descuento de 0.25% por pagos automáticos recurrentes.

Colocando a educação em prática imediatamente

Michael sempre soube que voltaria ao Brasil depois de terminar seu mestrado em Harvard, e agora ele está trabalhando diretamente com sua comunidade e compartilhando com outros o valor de se tornar um estudante internacional.

“Hoje estou trabalhando para aumentar o número de brasileiros que estudam no exterior e representando a diversidade do Brasil”, diz ele. “Estou falando sobre brasileiros negros e brasileiros de baixa renda [e] trabalhando com a Fundação Lemann para aumentar esse número de brasileiros estudando fora.”

Ele continua incentivando outros a investirem na oportunidade de estudar nos EUA, ressaltando que o retorno é muito positivo.

“Não tenham medo de se inscrever”, afirma. “Não desistam, porque não importa quão difícil seja o processo, nem quão caro ele seja, existem várias possibilidades e organizações que vão apoiar vocês.”

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NOTA: La solicitud, la información y los servicios de MPOWER solo están disponibles en inglés.

História de sucesso de um estudante internacional: Da Argentina para a Carnegie Mellon

 

O estudante de pós-graduação argentino Daniel Garaguso estava entusiasmado com a perspectiva de estudar no exterior e com uma futura carreira na indústria farmacêutica, ajudando a fornecer tratamentos que eliminem o sofrimento. Ele havia sido aceito em uma das escolas mais prestigiadas dos EUA e até tinha bolsas de estudo, mas não possuía recursos suficientes para cobrir todas as despesas. Com o tempo, encontrou as ferramentas necessárias para financiar seus estudos no exterior. Aqui está a história de Daniel.

Financiando um mestrado no exterior

Daniel ficou empolgado com sua admissão no programa de MBA da Universidade Carnegie Mellon, em Pittsburgh, Pensilvânia. Ele sabia o valor que um diploma de pós-graduação nos EUA traria.

“Ter um mestrado coloca você em uma posição onde se torna um especialista, focado em um segmento específico da sua carreira ou em algo que deseja alcançar”, ele diz. “Foi por isso que quis fazer um mestrado. Achei que isso me daria a melhor oportunidade de encontrar as empresas certas, construir minha rede de contatos e mostrar toda a minha proficiência ao mercado internacional.”

Mas o dinheiro que havia reunido por meio de economias e bolsas de estudo não era suficiente, e ele sabia que precisaria de um empréstimo.

“Eu sabia que valeria a pena, e que o retorno sobre o investimento nessa carreira seria muito maior do que o custo, mas precisava de uma empresa que financiasse e me concedesse esse empréstimo.”

As taxas de câmbio desfavoráveis e instáveis tornavam o pagamento dos estudos nos EUA com pesos argentinos um desafio. Daniel decidiu que um empréstimo estudantil com taxa fixa em dólares americanos seria o melhor caminho. Ele começou sua pesquisa conversando com outros estudantes sul-americanos que haviam conseguido financiamento educacional por meio dos empréstimos sem necessidade de garantia da MPOWER Financing.

Como a MPOWER Financing pode ajudar estudantes internacionais da Argentina

Financiar uma educação no exterior pode ser um desafio para qualquer estudante internacional. Empresas como a MPOWER Financing ajudam estudantes a superar barreiras criadas em seus países de origem por recessões, inflação e taxas de câmbio desfavoráveis, oferecendo recursos em dólares americanos pagos diretamente para uma instituição nos EUA ou Canadá. Daniel sabia que um empréstimo da MPOWER seria a chave para uma futura carreira internacional:

“Eu estava um pouco preocupado porque sabia que sem o financiamento não conseguiria. Ainda me lembro de quando recebi o e-mail dizendo que meu empréstimo tinha sido aprovado. Foi realmente o início de algo grande e maravilhoso que aconteceu comigo e com minha família.”

Objetivos de carreira futura

Daniel é movido pelo desejo de ajudar pessoas que sofrem de doenças. Foi isso que o impulsionou a entrar na indústria farmacêutica e continua a motivá-lo.

“Eu sonho em liderar projetos que tragam novos medicamentos, novos produtos, novos tratamentos – coisas que vão realmente… causar um impacto na meta de acabar com a dor e o sofrimento no mundo.”

Conselhos para futuros estudantes internacionais

Daniel incentiva fortemente todos os estudantes internacionais a confiarem em si mesmos e terem um plano financeiro claro.

“Eu sei que você tem habilidades, sei que você tem sonhos e essa fome de vencer. Mas não será fácil. Será desafiador, e é por isso que é muito importante garantir o financiamento da sua educação. Porque, ao fazer isso, você poderá focar toda a sua força na luta para conquistar seu espaço no mercado internacional. Esteja preparado, confiante e tenha muita autoestima.”

Considerações finais

A trajetória de Daniel Garaguso, da Argentina para um MBA nos EUA, reflete os desafios enfrentados por muitos estudantes internacionais. Daniel conseguiu navegar pelas complexidades do financiamento educacional, combinando economias, bolsas de estudo e um empréstimo educacional da MPOWER Financing. Com paixão por fazer a diferença no mundo, Daniel é uma inspiração para outros que têm aspirações globais.

Interessado em financiar sua educação como estudante internacional? Inicie uma aplicação e verifique sua elegibilidade em menos de um minuto.

 


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