STEM vs. Non-STEM: Is the extra OPT worth it for Nepali students?

If you’re a postgraduate student from Nepal considering a master’s program in the U.S., you’ve probably heard that STEM programs come with a big immigration advantage. They offer up to 36 months of work through optional practical training (OPT), while non-STEM programs only allow 12 months.

This article breaks down the key differences between STEM and non-STEM programs and what Nepali students should think about before choosing one over the other.

What counts as a STEM program in the U.S.?

STEM stands for science, technology, engineering and mathematics. But not every program with “technology” or “science” in the name qualifies. The U.S. Department of Homeland Security keeps an official list of programs that are eligible for the STEM OPT extension.

Some common STEM degrees:

• Computer science
  
• Data analytics
  
• Mechanical, civil or electrical engineering
  
• Biochemistry and biomedical science
  
• Mathematics or statistics
  
• Environmental science
  
• Artificial intelligence and robotics

Some business or economics programs also qualify if they are math-heavy, like business analytics or quantitative finance. Always check if your exact program code appears on the STEM Designated Degree Program List before assuming you’ll get the extension.

What’s the real difference between 12 and 36 months of OPT?

All F-1 students can apply for 12 months of OPT after completing their degree. If your degree is STEM eligible and your job meets certain requirements, you can apply for a 24-month extension.

That means STEM grads can legally work in the U.S. for three years after graduating, compared to just one year for non-STEM grads.

Here’s why that matters:

• More time to build your resume
  You have three hiring cycles, not just one, to find the right OPT job for international students. This gives you more chances to gain experience and earn a strong recommendation.
  
• Better chance at H-1B sponsorship
  The H-1B visa is granted through a lottery system. With three years of OPT, you can apply up to three times before needing a different plan.
  
• More time to earn and save
  STEM grads have more time to repay loans, build savings or send money home to family.
  
• More flexibility if your first job isn’t perfect
  A non-STEM grad has to switch to another visa within a year. STEM grads have more time to grow into better roles.

For many Nepali students who take out education loans or need time to establish financial independence, that extra time can make a big difference.

MPOWER Financing helps Nepali students across STEM and non-STEM fields

Whether you’re pursuing computer science or public health, all international students face the same core challenge: funding their education without relying on family assets or a U.S. cosigner.

MPOWER Financing supports Nepali students in both STEM and non-STEM programs through:

• No-cosigner student loans based on your future earning potential
  
• Loans for over 500 U.S. and Canadian universities
  
• Fixed interest rates with no hidden fees
  
• STEM scholarships, including awards for women in STEM and global leadership
  
• The Path2Success program, offering career resources, visa prep and job search guidance
  

If you’re in a STEM program, MPOWER can help you make the most of your OPT time with resources that support long-term planning. If you’re in a non-STEM field, MPOWER can help you stay financially secure while you build a faster path to employment.

Whichever direction you choose, having the right financial and career tools behind you can make the experience more manageable and rewarding.

Is a STEM program always the better choice?

Not necessarily. Here are some things to consider before choosing STEM only for the extra OPT:

• Cost and difficulty
  Some STEM programs are longer or more expensive. They may also require stronger math or programming skills.
  
• Interest and strengths
  If you’re not excited about coding, data or lab work, a STEM degree may not be a good fit, even if it offers longer work time.
  
• Career fit
  Some non-STEM fields also offer strong job paths. For example, international education, design, public health or management roles can still lead to H-1B sponsorship with the right employer.
  
• Mental health and balance
  A challenging STEM degree can be rewarding, but it also adds pressure. Don’t choose a path you’ll struggle to finish just for visa time.

The best choice depends on what you want to do after graduation. If your career goals already align with STEM, the extra OPT is a bonus. If not, it may be better to choose a non-STEM field where you’ll excel and enjoy the work.

Proof of financial support: How to show funds for your visa application

One of the most important parts of your student visa application is showing that you can pay for your international studies. Immigration officials want to know that you will not face financial hardship once you arrive. That means you need to provide official documents that clearly show how you plan to cover tuition and living expenses.

If your financial proof is incomplete, unclear or inconsistent, your visa can be delayed or denied. Here’s what you need to know to submit strong documents and avoid problems.

What is proof of funds for a student visa?

Proof of funds means documentation that shows you have enough money to pay for your education, housing, meals and other costs while studying in another country. You must submit this financial evidence when applying for a U.S. student visa.

Common types of financial proof include:

• Personal bank statements showing consistent balances
  
• Tuition payment receipts
  
• Official loan approval letters
  
• Scholarship or sponsor letters
  
• Guaranteed investment certificates (required for many Canada applications)

These documents should clearly show who the money belongs to, where it is held and how much is available. In most cases, the funds must be liquid and accessible, not tied up in assets or investments you cannot easily use.

How much money do you need to show?

The amount you need depends on the country you are applying to and your specific program. You should always confirm requirements with your university and the visa website for your destination.

U.S. student visa (F-1)

For an F-1 visa, you must show access to funds to cover the full cost listed on your I-20 form, which includes:

• Tuition and fees
  
• Estimated living expenses
  
• Books, insurance and other school-related costs

This amount varies by school and program. You must show access to the full amount, either through personal funds, family support or an approved education loan. This is a key part of how to apply for an F-1 visa.

Canada study permit

To get a Canadian study permit, you must show:

• Proof you have paid or can pay your first-year tuition
  
• Enough money for living expenses. In 2025, that amount is CA$22,895 for most provinces
  
• Extra funds if you’re bringing dependents
  

Tips for submitting strong financial documentation

Getting the financial portion of your visa right is not just about having the money. You also need to prove it in a clear and consistent way.

Here are some tips to help:

• Avoid unexplained lump-sum deposits. If someone recently gave you money, include a letter explaining where it came from.
  
• Translate documents into English (U.S. visas) or English using certified translators.
  
• Make sure names, account numbers and dates match across all documents.
  
• Include both the funding source and proof of availability. For example, a loan approval letter and disbursement schedule.
  
• Use official documents from recognized financial institutions only.
  
• Save clear scans of all files and keep backup copies.
  

Your documents should be easy to read and verify. If your finances involve multiple sources, make sure each one is clearly explained and supported.

What not to do when showing proof of funds

Avoid these common mistakes that can delay or harm your visa application:

• Submitting vague support letters with no bank statements, salary slips or sponsor ID
  
• Relying on cash or property assets without proof that they are liquid or available
  
• Using bank statements with no recent activity or without the required minimum balance
  
• Submitting inconsistent documents that do not match your visa forms or admission letter

If your financial story is hard to follow, the visa officer may assume you’re not ready to study abroad, even if you have the money.

Financial support for international students with MPOWER Financing

MPOWER Financing offers international student loans designed for students from around the world. These foreign education loans can help you meet visa funding requirements for the U.S. or Canada, especially if you do not have a cosigner or access to traditional financing.

Students use MPOWER loans to:

• Cover tuition and living expenses in the U.S., tuition and university-invoiced expenses in Canada
  
• Show official loan approval letters as proof of funds in their visa applications
  
• Submit a clear, verified financial document from a trusted lender

MPOWER loans are accepted at over 500 universities. You can apply online without a cosigner or collateral and receive a decision quickly so you can move forward with your application.

Submit the right documents and avoid visa delays

Strong financial proof is one of the most important parts of your visa application. If your documents are complete, consistent and easy to verify, you will avoid delays and make a stronger case for approval.

Every country and school has slightly different requirements, so take the time to research what is needed. Organize your paperwork, ask for help from your school’s international office and avoid shortcuts. A clear funding plan shows you are ready to succeed.

Women in STEM: Scholarships and career paths for Nepali female students abroad

More Nepali women than ever are entering science, technology, engineering and math fields. But pursuing STEM education abroad comes with unique challenges, especially for women from Nepal. You may be the first in your family to study overseas or one of the few women in your program. On top of that, financial pressure and visa rules can make it hard to focus on your goals.

Still, many Nepali women are thriving in STEM careers across the U.S. and Canada. The key is having access to support such as international scholarships, inclusive employers and funding options that understand your journey.

This guide covers top international scholarships for Nepali women in STEM, career paths with real hiring potential and how to access funding that doesn’t require family guarantees.

Why STEM is a smart path for Nepali women

STEM degrees offer more than just good salaries. For Nepali women, these programs can:

• Open doors to work experience through optional practical training (OPT) or co-ops
  
• Increase chances of H-1B sponsorship or permanent residence
  
• Build global skills you can bring back to Nepal or apply anywhere
  
• Offer financial independence through high-paying roles
  

Fields like data science, software engineering, biotech and environmental science also give you options beyond the classroom, such as internships, research assistantships and part-time lab roles.

Most importantly, many STEM careers allow you to prove your value through skills, not just language fluency or cultural familiarity. This creates a more level field for Nepali women who are hardworking but less confident in English.

International scholarships for Nepali women in STEM

Scholarships play a huge role in helping international women in STEM. Some cover part of your tuition, while others offer full support for master’s-level programs.

Here are a few scholarship types to explore:

1. Scholarships specifically for women in STEM

• MPOWER Women in STEM Scholarship
  Open to international and DACA students, this scholarship awards up to US$6,000 to women pursuing STEM degrees in the U.S. or Canada. No cosigner or collateral required
  Best for: Nepali students already accepted into a STEM program
  
• AAUW International Fellowships
  The American Association of University Women offers fellowships to non-U.S. citizens pursuing full-time master’s or doctoral studies. STEM applicants are encouraged.
  
• Society of Women Engineers (SWE) Scholarships
  While many are for U.S. citizens, some programs are open to international women enrolled in U.S. engineering schools
  

2. University-specific awards

Many universities offer partial funding for women pursuing STEM-related master’s degrees. Look for:

• Scholarships from the engineering, science or computing departments
  
• Diversity-based awards open to female international students
  
• Assistantships that cover tuition in exchange for teaching or research work
  

3. General international scholarships

• Fulbright Foreign Student Program (U.S.)
  Offers full funding for Nepali students, including women in STEM fields
  
• Vanier Canada Graduate Scholarships
  Competitive but prestigious, these support doctoral studies in Canada
  
• EduPASS, Internationalscholarships.com or university financial aid offices
  These may help you find lesser-known awards for female students
  

Most study abroad scholarships require early application and strong academic records. But personal stories also matter. As a Nepali woman, your perspective and ambition can help your application stand out.

How MPOWER Financing supports Nepali women in STEM

MPOWER Financing is one of the few lenders that designs financial support specifically for international women in STEM. That includes not just funding, but mentorship and career-building tools.

For Nepali female students pursuing STEM degrees in the U.S. or Canada, MPOWER offers:

• The MPOWER Women in STEM Scholarship, awarding up to US$6,000 to help reduce financial burden
  
• No-cosigner student loans, so you don’t need to rely on family collateral or guarantors
  
• Supporting students at 500+ universities across the U.S. and Canada
  
• Fixed interest rates with no hidden fees
  
• Career and visa prep tools through the Path2Success program, including resume help, OPT timelines and job-search tools
  

For many women in Nepal, a lack of collateral or cosigner often blocks access to education abroad. MPOWER removes these barriers by evaluating international students based on future earning potential, not family assets.

Even more important, MPOWER celebrates stories from women like you. If you’re ready to lead in a STEM field but just need the right support to get started, this is a path worth exploring.

Career paths with OPT and long-term potential

For female students from Nepal, choosing a STEM major is only the first step. Picking a career path that allows you to work after graduation is just as important.

Here are a few STEM areas where employers value international talent and are more open to hiring through OPT or sponsoring H-1B visas:

• Software development and engineering
  Large tech firms, mid-sized companies and startups all need skilled developers. Strong demand means more chances to grow
  
• Biotechnology and life sciences
  Labs, research centers and health care companies hire international graduates for roles in research, data and regulatory work
  
• Data science and analytics
  This is one of the fastest-growing fields, with jobs across finance, retail, health care and more. Roles often qualify for the STEM extension
  
• Civil or environmental engineering
  These fields are popular with Nepali women and offer good job opportunities in sustainable design, water systems and climate resilience
  
• Cybersecurity and IT infrastructure
  Employers in this space value technical skill and hands-on experience more than perfect communication. That makes it a good fit if you’re still building English confidence
  

In all of these areas, practical experience matters. Try to get involved in campus labs, capstone projects or internships, even unpaid ones. It makes your resume stronger and builds confidence for interviews.

CPT compliance checklist: 7 mistakes Nepali students must avoid

Curricular practical training (CPT) can be a great opportunity for international students to earn money, gain real-world experience and build skills while completing their degree. But many Nepali students misunderstand the rules or overlook key steps, which can result in serious consequences, including loss of visa status or loss of optional practical training (OPT) later on.

If you’re studying in the U.S. on an F-1 visa, it is your responsibility to follow the CPT for international student rules exactly. This checklist will help you avoid seven of the most common mistakes Nepali students make with CPT and show you how to stay on track for your career goals.

1. Starting work before CPT is approved

You’re not allowed to begin working, training or even onboarding until your CPT is officially approved by your school and listed on your updated I-20. Even one unpaid training session or early login can count as unauthorized work and cause problems later during visa interviews or OPT approval.

What to do instead:
After receiving a job offer, submit all required documents to your designated school official (DSO) and wait until you receive a new I-20 with CPT listed. Only then can you legally receive work authorization for international students, including orientation or setup tasks.

2. Working in a job that doesn’t match your degree program

CPT must be directly related to your major, not just any job that pays well. For example, if you’re studying computer science, working as an office assistant or social media intern might not qualify. Nepali students often feel pressure to accept any opportunity available, especially if finances are tight, but misaligned jobs can lead to visa denials later.

What to do instead:
Make sure the job description clearly connects to your academic program. Talk with your DSO if you’re unsure. Keep written proof, such as your offer letter and class syllabus, in case of future questions during visa renewals or H-1B applications.

3. Skipping course enrollment or paperwork

Some universities require you to enroll in a specific class or internship credit course to qualify for CPT. If you forget to register or miss the deadline, your work could be deemed unauthorized even if you already received your CPT I-20.

What to do instead:
Double-check with your academic department and DSO to confirm if CPT is tied to any required coursework. Register for the course on time and complete any assignments or evaluations connected to your internship.

4. Working more hours than allowed

Part-time CPT is limited to 20 hours per week while school is in session. Going even slightly over this limit, even during peak project weeks, is considered a violation of F-1 rules. Some Nepali students mistakenly assume the hours are flexible if their employer asks them to stay longer.

What to do instead:
Track your hours carefully and have a clear conversation with your manager about limits. Let them know upfront that your visa only allows 20 hours per week while enrolled.

5. Completing too much full-time CPT and losing OPT eligibility

If you complete 12 months or more of full-time CPT (more than 20 hours per week), you will lose your eligibility for OPT after graduation. For many Nepali students who depend on OPT for income and H-1B sponsorship chances, this mistake can seriously limit future opportunities.

What to do instead:
Use full-time CPT only during summer or required co-op terms. Track how many total months you’ve used. Your DSO can help you confirm how much time remains before you hit the 12-month limit.

6. Forgetting to update your DSO when job details change

If your job title, location, supervisor or employer changes, you may need to update your CPT records. Many Nepali students forget this step and continue working under the old CPT authorization, thinking it still applies. But any major change could invalidate your work approval.

What to do instead:
If your job duties shift or you get assigned to a new team, tell your DSO right away. They will let you know if new paperwork is required. Keep your Form I-20 and job description consistent and up to date.

7. Assuming remote, freelance or unpaid work is automatically allowed

Just because a role is unpaid or online doesn’t mean it qualifies for CPT. If it’s off campus and involves work, even volunteer work, you still need CPT approval. Freelance gigs, startup side projects and short-term international student job opportunities are often risky unless your school approves them in writing.

What to do instead:
Never accept freelance or remote gigs without confirming with your DSO first. Even small unpaid projects can violate your visa if they don’t meet CPT standards. If a company cannot provide a formal offer letter or job description, it’s best to avoid the risk.

Balance career goals and visa rules

CPT lets you start building your future while you’re still in school, but financial pressure often makes the process stressful for Nepali students. Many students say yes to questionable internships or long hours simply to cover daily expenses.

MPOWER Financing offers an alternative with private education loans that are designed specifically for international students, with no cosigner or collateral required. With financial support for tuition and living expenses, you can focus on legal, career-building internships without risking your status.

MPOWER also offers:

• Career coaching and internship prep through the Path2Success program
  
• Visa-friendly job search resources and resume tools
  
• Support for budgeting during school and OPT
  
• Scholarships and fixed-rate loans for 500+ U.S. and Canadian universities

When you’re not forced to take risky roles or break the rules just to survive, your entire U.S. experience becomes safer and more rewarding.

What happens if you violate CPT rules?

Even small CPT violations can lead to major consequences. If you work without proper authorization, work more hours than allowed or skip key paperwork, you could face:

• Loss of F-1 visa status
  
• Denial of future OPT or STEM OPT applications
  
• Problems during future visa renewals or U.S. embassy interviews
  
• Ineligibility for H-1B or permanent residency sponsorship
  

Some Nepali students only learn the risks after speaking to an immigration attorney or hearing from friends who faced trouble. By following the rules from the beginning and asking your DSO before making any changes, you can protect your future work and study plans.

Interview like a native: 20 english phrases Nepali students need for U.S. job interviews

Job interviews in the U.S. can feel stressful for any international student, especially if you’re from Nepal and English isn’t your first language. Even if you understand the questions, you might worry about sounding awkward or overly formal.

The good news is that you don’t need perfect grammar or a polished accent to succeed or move to the United States. What matters most is sounding confident, professional and prepared. Learning a few natural-sounding English phrases can help you stand out in a positive way.

This article shares 20 phrases you can use in real interviews. They’re clear, respectful and commonly used by native speakers in U.S. workplaces. We’ll also include tips on how Nepali students can use them smoothly.

Start with a strong first impression

These phrases help you open the conversation politely and confidently.

• “Thank you for taking the time to meet with me today.”
   A simple way to show respect and appreciation at the start of your interview.
  
• “I’ve been looking forward to this conversation.”
   Friendly and professional. It helps break the ice and shows enthusiasm.
  
• “It’s great to meet you.”
   Use this with a smile when the interview begins, especially in video or in-person settings.
  
• “Could you tell me a bit more about the role?”
   Shows interest and encourages a two-way conversation.
  

Talk about yourself clearly and naturally

These phrases help you introduce your background and education without sounding stiff.

• “I recently finished my master’s degree in [field] at [university].”
   Clear and direct. Keep it simple and specific.
  
• “I focused on [specialization], which included projects in [relevant areas].”
   Helps you highlight academic work that matches the job.
  
• “Before that, I completed my undergraduate studies in Nepal.”
   Good for giving context without getting too detailed.
  
• “I’m especially interested in this role because…”
   Transition smoothly into why you’re a good fit.
  

Share your experience and skills

These phrases help you describe your achievements in a confident but humble way.

• “One example of a project I worked on is…”
   Sets up a story without using overly formal language.
  
• “I took the lead on…”
   Good way to highlight leadership or ownership.
  
• “This helped me build skills in…”
   Shows that you learned and grew from the experience.
  
• “I’m comfortable working independently or as part of a team.”
   A classic phrase that employers in the U.S. value.
  
• “I’ve also had experience using tools like [software or method].”
   Helps you highlight technical knowledge in a natural way.
  

Handle tricky questions with ease

These phrases can help if you get nervous, make a mistake or need time to think.

• “That’s a great question, let me take a moment to think.”
   Shows confidence and gives you time to answer clearly.
  
• “I may not have direct experience with that, but I’m eager to learn.”
   Useful if you’re asked about something outside your skill set.
  
• “Here’s how I would approach that situation…”
   Great for answering hypothetical or problem-solving questions.
  
• “In my past role, I handled something similar.”
   Lets you connect past experience to the new role.
  

Wrap up like a professional

Use these closing lines to leave a strong final impression.

• “I really appreciate the opportunity to speak with you.”
   Friendly and polite way to end the call.
  
• “This role sounds like a great fit for my background and goals.”
   Shows enthusiasm without being too pushy.
  
• “Do you have a timeline for next steps?”
   A professional way to ask when you’ll hear back.

MPOWER Financing helps students prepare for career success

For Nepali students studying overseas, job interviews are not just about getting hired. They’re part of a bigger journey that includes completing your degree, finding work, repaying loans and building your future. That’s why support beyond the classroom matters.

MPOWER Financing provides more than just no-cosigner loans for international students. Through its Path2Success program, you can get:

• Career prep resources designed for international students
  
• Help with resume building and job searches
  
• Interview prep tips tailored for STEM roles
  
• Webinars and tools for optional practical training (OPT) and H-1B planning

Many Nepali students say they worry about finding a job in time to repay their loan. MPOWER’s focus on your future, not just your finances, can help ease that pressure.

If you’re looking for both funding and career support in one place, MPOWER can be a smart choice.

Tips for Nepali students

You don’t need to memorize every phrase. Pick the ones that feel most natural to you and practice them out loud. Try recording yourself or asking a friend to help with a mock interview. Here are a few more tips that apply especially to Nepali students:

• Use simple sentence structures. U.S. employers care more about clarity than complex grammar.
  
• Speak slowly and clearly. You’ll sound more confident even if your English isn’t perfect.
  
• Share something about your background. Many employers appreciate international experience, especially if you explain what you learned from it.
  
• Pause before answering. Taking a second to think shows confidence and helps you stay focused.
  
• Avoid over-apologizing. Many Nepali students feel shy about their accent or word choice, but small mistakes are normal and expected.

U.S. job interviews don’t require perfect English, but they do require clarity, confidence and taking the time to prepare. By practicing these interview tips, you can express your skills naturally and make a strong impression. With the right mindset and resources, you’ll be ready to turn U.S. interview opportunities into career success.

OPT job hunt toolkit: LinkedIn and ATS hacks tailored to Nepali students

Searching for optional practical training (OPT) jobs for international students can be challenging, especially if you’re doing it for the first time in a foreign country. For Nepali students, the challenges are even greater. You’re building a professional network from scratch, adjusting to a new hiring culture and often trying to explain your international background in ways that make sense to U.S. employers.

But there are tools that can help, if you know how to use them. LinkedIn and applicant tracking systems (ATS) are essential to the modern job hunt in the U.S.  It is critical for you to understand how these hiring tools work, so that you can upgrade your resume and profile to surface your material to recruiters.

This article breaks down what Nepali students need to know about job hunting during OPT, with practical tips for LinkedIn and resume optimization that match how U.S. companies hire today.

Why U.S. job hunting feels different

In Nepal, most job leads come from word of mouth or personal introductions. You might rely on family networks or apply directly to company websites. In the U.S., most applications go through digital systems that scan resumes before a human ever sees them. On top of that, recruiters and hiring managers often use LinkedIn to find candidates and evaluate professionals.

For international student job opportunities, that means you need to:

• Make your LinkedIn profile searchable and active
  
• Understand how ATS filters and ranks resumes
  
• Tailor every application to the role being sought
  
• Translate your academic and international experience into U.S. job terms

LinkedIn hacks for Nepali students on OPT

LinkedIn isn’t just an online resume. It’s where recruiters search for candidates, check your credibility and review your skills. Here’s how to make it work for you:

• Use a clean, professional photo. You don’t need studio shots. A clear image with a plain background works fine.
  
• Set your headline to match the job you want. Instead of “Graduate Student,” try “Data Analyst Seeking OPT Opportunity | Python, SQL, Tableau.”
  
• Include OPT eligibility in your About section. Example: “International student on F-1 visa. Eligible for 12-month OPT plus 24-month STEM extension.”
  
• Turn on “Open to Work.” This feature lets recruiters know you’re actively searching. Be sure to select “US only” if you’re focused there.
  
• Post once per week. Share a project, comment on industry news or repost something from your university. This increases your visibility.
  
• Reach out to alumni from Nepal. Many are open to connecting and sharing advice. Search by university name and filter by location.
  
• Ask professors or internship supervisors for recommendations. These can add credibility and highlight soft skills like teamwork and reliability.
  

How to beat the ATS with a better resume

Most large and mid-sized companies use an applicant tracking system (ATS). These systems scan your resume for keywords that match the job description. If they don’t find enough matches, your application might be rejected before a human sees it.

Here’s how to increase your chances:

• Use the exact keywords from the job description. If it says “proficient in Java and SQL,” make sure those words appear in your resume.
  
• Don’t use graphics or tables. Keep formatting simple. ATS software can’t read fancy layouts.
  
• Label your resume file clearly. Use something like “FirstName_LastName_Resume.pdf.”
  
• Use section headers that ATS understands. Stick to basics like “Experience,” “Education,” “Skills” and “Projects.”
  
• Include a short summary at the top. This helps ATS match your resume to the job and helps recruiters see your strengths quickly.
  
• Quantify your experience. Use numbers wherever possible. Instead of “Improved system performance,” say “Improved website load time by 35%.”
  
• Mention your visa status carefully. In most cases, it’s better to wait until the interview stage. But if the company says they don’t sponsor, and you’re still on OPT, you may include “Authorized to work under F-1 OPT” at the bottom of your resume.

How MPOWER Financing helps Nepali students find work after graduation

For many Nepali students, finding a job during OPT isn’t just about career growth. It is essential for international student loan repayment, supporting family back home and staying in the U.S. longer. MPOWER Financing understands these pressures and offers support beyond just tuition funding.

Through its Path2Success program, MPOWER provides:

• Career coaching and job search tools designed for international students
  
• Resume and LinkedIn templates aligned with ATS best practices
  
• OPT and H-1B timeline guidance
  
• Free resources on how to network and prepare for technical interviews
  

MPOWER also funds students without a cosigner or collateral, which gives you more freedom to choose your location and job based on opportunity, not just family pressure or budget limits.

If you’re building your future from the ground up in a new country, having financial and career tools designed specifically for international grads can make all the difference.

Job search tips specific to Nepali OPT candidates

• Target jobs at companies that already hire international students. Use sites like MyVisaJobs or check H-1B sponsorship history.
  
• Use your university career portal. Many U.S. employers post roles specifically for recent grads and OPT-eligible students.
  
• Apply fast. Many jobs close after just a few days, especially entry-level roles. Set alerts on LinkedIn and Indeed.
  
• Practice U.S.-style interviews. The tone may be more direct than what you’re used to. Try mock interviews with friends or university advisors.
  
• Track your applications. Use a simple spreadsheet to list deadlines, follow-ups and responses.
  
• Avoid overly humble language. Confidence is important in the U.S. hiring culture. Use active voice and highlight your wins.

Landing an OPT job in the U.S. takes more than just sending out resumes. It requires understanding the hiring tools, adapting to the culture, and presenting your skills in the way recruiters expect. By optimizing your LinkedIn profile and tailoring your resume for ATS, you’ll be in a stronger position to secure the role that launches your career in the U.S.

F1 vs J1 visa: Which one is right for your study plans in the U.S.?

If you’re planning to study in the U.S., one of the first questions you’ll face is which student visa to apply for. Most international students end up choosing between the F1 and J1 visas. While they might seem similar, they come with very different rules, funding requirements and long-term effects.

Choosing the wrong visa could limit your work options, affect your stay after graduation or create extra steps in your immigration path. This guide breaks down the key differences between F1 and J1 visas so you can choose the one that fits your academic and career goals.

What is the F1 visa for international students?

The F1 visa is the most common student visa for international students in the U.S. It’s designed for students enrolled in full-time academic programs at accredited institutions.

You can use an F1 visa to attend:

• Language training programs
  
• Universities offering bachelor’s, master’s or doctoral degrees
  
• Professional or vocational institutions in some cases
  

With an F1 visa, you can:

• Work part time on campus during your studies
  
• Apply for curricular practical training to intern while in school
  
• Apply for optional practical training to work after graduation
  
• Study in the U.S. as long as you remain enrolled full time and in good standing
  

To qualify for the F1 visa, you must show that you have enough financial support to pay for your tuition and living expenses. This can come from personal funds, family support or private student loans. Always be sure to do education loan comparisons to choose the best loan option for you.

What is the J1 visa for exchange visitors?

The J1 visa is part of the U.S. Exchange Visitor Program. It’s used by students, researchers or professionals coming to the U.S. through an official educational or cultural exchange program.

You might receive a J1 visa if you are:

• Studying through a government or institutional sponsorship
  
• Participating in a formal exchange between universities
  
• Joining a short-term research or teaching program
  
• Sponsored by a nonprofit, public agency or international organization
  

Unlike the F1 visa, the J1 is often tied to a specific funding source. In many cases, J1 applicants must prove that their funding comes from a government, international group or scholarship, not personal savings.

J1 visas often include additional rules:

• A two-year home residency requirement after your program ends, which means you must return to your home country before applying for certain U.S. visas
  
• More limited work options: employment must be approved by your program sponsor and does not include optional practical training
  
• Different rules for dependents: 2 visa holders may apply for work authorization, while F2 dependents cannot

Key differences between F1 and J1 visas

Here’s a side-by-side comparison of the most important differences.

Feature	F1 visa	J1 visa
Who it’s for	Full-time academic students	Exchange visitors or sponsored students
Funding	Personal funds, family or private student loans	Scholarships, governments or institutional sponsors
Work eligibility	On-campus work, CPT and OPT allowed	Limited to academic training, needs sponsor approval
Dependents	Spouse and children cannot work	Spouse may apply for work authorization
Home residency rule	Not required	May require two years in home country after graduation

Understanding the two-year home residency rule

One of the biggest differences is the home residency requirement tied to the J1 visa. If this rule applies to you, you must return to your home country for at least two years before applying for:

• An H-1B work visa
  
• A K-1 fiancé visa
  
• A green card or permanent resident status
  

This requirement often applies if your J1 program is funded by a government or involves specialized skills. In some cases, you can apply for a waiver, but it is not guaranteed and can take several months to process.

If you want to work in the U.S. after graduation, especially through optional practical training or an H-1B program, the F1 visa usually offers more flexibility.

Which visa should you choose for your U.S. study plans?

Choosing between the F1 and J1 visa depends on your academic program, funding source and long-term goals.

Choose the F1 visa if:

• You are paying for school through personal savings, family support or a private loan like MPOWER
  
• You want to apply for curricular or optional practical training
  
• You plan to stay in the U.S. temporarily after graduation
  
• Your program is not part of a formal exchange or sponsorship
  

You may need a J1 visa if:

• You are receiving full funding through a government, scholarship or exchange program
  
• You were placed into an official exchange or training program
  
• You expect to return to your home country immediately after completing your degree
  

If you’re not sure which applies to you, talk to your university’s international student office. Your I-20 form (for F1) or DS-2019 form (for J1) will clarify your visa classification.

MPOWER helps F1 students fund their U.S. education

MPOWER Financing offers international student loans for F1 visa holders who need help covering tuition and living expenses. These loans can help you meet the financial proof requirement for your visa and reduce financial stress once your program begins.

MPOWER loans:

• Do not require a cosigner, collateral or U.S. credit history
  
• Can be used to support your I-20 documentation
  
• Work alongside CPT and OPT
  
• Include visa prep tools, financial education and career resources through Path2Success
  

Note: J1 visa holders are not currently eligible for MPOWER loans.

Choose the right student visa for your future in the U.S.

The F1 and J1 visas both allow international students to study in the U.S., but they offer different options for work permits for international students, funding and life after graduation. Understanding the differences now can help you avoid complications later.

Talk to your school, review your funding, and consider how long you want to stay. Your visa decision should support both your education and your future goals.

DS-160 Form Deep Dive: Mistakes That Can Delay Your U.S. Visa

Planning to study overseas in the U.S. on an F-1 visa? One of the most important steps in your visa process is filling out the DS-160 form. It looks like a standard online application, but even small mistakes can cause delays, trigger additional reviews or put your visa approval at risk.

Here’s what the DS-160 is, why it matters and how to avoid the most common errors international students make when completing it.

What is the DS-160 form?

The DS-160 is the official online nonimmigrant visa application required for all F-1 student visa applicants. It’s submitted electronically to the U.S. Department of State and reviewed by consular officers before your visa interview.

You’ll need to complete and submit your DS-160 before scheduling your in-person interview at a U.S. embassy or consulate. Once submitted, you’ll receive a confirmation page with a barcode, and you must bring that printed confirmation to your appointment.

The DS-160 collects key information about you and your academic plans, including:

• Personal details (full name, date of birth, nationality)
  
• Passport information
  
• SEVIS ID and program details from your I-20
  
• Travel history and prior U.S. visits
  
• Family and contact information
  
• Financial details including funding sources like scholarships for international students

Because this form links your visa application to your university, SEVIS profile and background information, accuracy is essential.

Common mistakes international students make

The DS-160 may seem straightforward, but it’s easy to make errors – especially if you’re in a hurry or unsure what certain fields mean. Here are the most common mistakes students make and how to avoid them.

Using the wrong SEVIS ID

Your SEVIS ID is the unique number at the top of your I-20 form, starting with an “N.” Accidentally mistyping this number or using an old one from a previous school will delay your visa approval.

Tip: Copy it directly from your most recent I-20 form and double-check each character.

Entering incorrect program dates

The program start and end dates on your DS-160 must match the dates listed on your I-20. If there’s a mismatch, consular officers may question your readiness or your school’s status.

Inconsistent name spelling

Your name should match your passport exactly. That includes middle names, hyphens and suffixes. If your name is listed differently across documents, you could face issues at your visa interview or port of entry.

Forgetting to list prior U.S. travel

If you’ve ever visited the U.S. before, you need to include that information. Leaving it out can be seen as dishonest or incomplete, even if the trip was brief.

Uploading a bad photo

The DS-160 requires a recent passport-style photo that meets strict requirements. Many applications get delayed simply because the uploaded image is too small, blurry or poorly lit.

Tip: Use a visa photo service or your university’s guidance to meet all technical specs.

Misrepresenting home country ties

You’ll be asked to explain your plans after graduation and your ties to your home country. Giving vague or overly casual answers can raise concerns about your intent to return home, which is required for a nonimmigrant visa.

What happens if your DS-160 has errors?

Depending on the mistake, the consequences can range from mild to serious. Here’s what can happen:

• You may be told to reschedule your interview, especially if key details don’t match your I-20.
  
• Your visa officer may request additional documents or clarification, which can delay approval.
  
• You might be flagged for administrative processing (sometimes called “221g”), which can take weeks or months.
  
• Inconsistent or misleading information could raise questions in future visa renewals.
  

It’s also worth noting that once the form is submitted, you can’t edit it. You’d need to fill out a new DS-160 and bring the updated confirmation page to your interview. That’s why it’s so important to get it right the first time.

How to avoid delays and complete your DS-160 correctly

A few simple steps can help you avoid problems and keep your visa process moving smoothly.

• Use your I-20 as your reference when entering program details, school address and SEVIS ID.
  
• Check that your name, birthdate and passport number are identical to what’s on your passport.
  
• Save your DS-160 application ID and security question answers in case you need to return later.
  
• Upload a clean, high-resolution passport photo that meets U.S. Department of State guidelines.
  
• List all prior U.S. travel accurately, including visits for tourism or short programs.
  
• Review your responses with your university’s international student office before you submit.
  

If you do make a mistake and realize it after submitting, you can complete a new DS-160 and bring both the new confirmation page and the old one to your interview. It’s better to be transparent than to hope the error goes unnoticed.

Visa support with MPOWER Financing

A key part of your DS-160 form involves showing how you’ll pay for your education in the U.S. That’s where MPOWER Financing can help with getting a student loan, and more.

MPOWER offers no-cosigner loans designed specifically for postgraduate international students. These loans can help you meet the financial documentation requirements for your visa application and ensure that your funding is clearly accounted for.

MPOWER loans:

• Cover tuition and living expenses
  
• Require no collateral or cosigner
  
• Include visa guidance and job search support through the Path2Success program
  
• Help you show a stable financial plan when completing your DS-160
  

Final thoughts: Get it right the first time

Your DS-160 form is more than just paperwork. It’s one of the first official documents that consular officers use to evaluate your eligibility for a U.S. visa. A clean, accurate application can help you avoid delays, ease your visa interview and show that you’re serious about studying in the U.S.

Take your time, use your I-20 and passport as references and don’t hesitate to ask for help. Mistakes can happen, but most are avoidable if you prepare carefully.

F-1 visa interview questions no one prepares you for (with example answers)

Most students preparing for an F-1 visa interview practice the same standard questions: Why this university? What will you study? Do you have family in the U.S.?

But the questions that trip students up are often the ones no one tells you to expect. The visa officer isn’t just checking your paperwork. They’re evaluating whether your answers show clear intent, financial preparedness and ties to your home country. Even one vague or confusing answer can cause a delay or denial.

Here are the less obvious F-1 visa questions that students often struggle with and how to answer them with confidence.

Why F-1 visa interview answers matter

F-1 visa interviews are short. Most last under five minutes. You may only get one or two questions, or you may get a dozen. Either way, the officer is looking for consistent, believable answers that align with your documents.

They are also trained to spot red flags. That includes:

• Memorized answers that sound too scripted
  
• Confusing or unrealistic financial details
  
• Unclear career goals
  
• Gaps between what you say and what’s on your DS-160 or I-20
  

Good answers are short, clear and honest. But you still need to prepare.

F-1 visa interview questions students don’t expect, with example answers

Here are some of the harder F-1 visa questions that can catch students off guard, along with example responses that work.

Why can’t you study this program in your home country?

This question tests whether your decision to study in the U.S. is genuine. Avoid saying your home country’s education is bad. Instead, focus on what your U.S. program offers that’s unique.

Example answer:
The program I chose offers hands-on lab experience and project work that I couldn’t access in my home country. It also connects students with companies for internships, which is important for my career goals in biotechnology.

How will studying in the U.S. help your long-term career?

Visa officers want to hear a clear link between your degree and your future plans. This is especially important for postgraduate students.

Example answer:
I plan to return to Colombia and work in renewable energy policy. My master’s program focuses on energy systems and regulation, which will help me qualify for jobs in our Ministry of Energy or large-scale infrastructure projects.

How do you plan to support yourself financially while studying?

Even if your I-20 shows funding, the officer may ask how you’ll manage expenses beyond tuition.

Example answer:
I have a private education loan from MPOWER Financing that covers tuition and part of my living costs. I’ve also saved money from my current job.

What will you do if you run out of money?

This tests whether you have a realistic backup plan. Avoid saying “I’ll work more” since off-campus work isn’t allowed without authorization.

Example answer:
I’ve planned out my strategy for studying abroad and budgeting for the full length of my program. I also have emergency funds from my family and would reduce personal spending before taking other steps. If anything changes, I’ll first speak with my university’s financial aid office.

Who is your sponsor and what do they do?

If your funding comes from a family member, be ready to explain their job and income clearly. Don’t just say “my uncle is helping.”

Example answer:
My father is a manager at a steel company and has worked there for over 20 years. His annual income is equivalent to US$42,000. I’ve submitted his bank statements and letter of employment as part of my application.

What ties you to your home country?

The F-1 visa requires you to show intent to return home after graduation. The officer wants proof that you won’t try to stay in the U.S. illegally.

Example answer:
My entire family is in Vietnam, and I plan to return after my studies to work in health care policy. I’ve already been in touch with two organizations in Hanoi where I’d like to apply.

What will you do after you graduate?

Even if you plan to stay for OPT, your answer should show that you understand the rules and eventually plan to leave.

Example answer:
After graduation, I hope to apply for optional practical training in data analysis. Then I plan to return to Kenya to work for a startup or tech company focused on logistics and mobility.

What happens if your visa is denied?

This question checks your maturity and long-term intent. Avoid sounding angry or defensive.

Example answer:
If it’s denied, I’d ask the officer for clarification, review what went wrong and consider reapplying. I’ve worked hard for this opportunity, so I would look for ways to strengthen my application.

Mistakes that make good answers sound suspicious

You may know what you want to say, but how you say it matters too. These common missteps can turn a decent answer into a red flag:

• Sounding like you memorized your answers word for word
  
• Giving overly vague career plans or switching goals mid-interview
  
• Mentioning unauthorized work as a funding source
  
• Saying things that don’t match your DS-160 or I-20
  

It’s okay to pause and think before answering. You don’t need perfect English, you need clear intent.

HOW MPOWER Financing helps you with F-1 visa interview prep

A strong visa interview starts with a solid foundation. That means knowing your program, having a clear financial plan and feeling confident about your purpose.

MPOWER Financing supports international postgraduate students by providing:

• A free visa support letter
• A free visa essentials course that provides a strong foundation of what to expect in the interview process
• No cosigner private international student loans that help you meet funding requirements

Thousands of students have used MPOWER to secure their funding and speak confidently in their visa interviews.

Check your eligibility

Get ready for the questions no one warns you about

Visa officers expect honest answers, not perfect ones. Preparing for the unexpected questions helps you stay calm, avoid contradictions and show that you’re serious about your education.

Practice out loud, write down your answers and talk to your school’s international student office if you’re unsure how to respond. A few minutes of preparation now can make all the difference at your interview.

How to choose a country to study abroad

Some destinations get all the attention, like the U.S., Canada or the U.K., but if you’re planning to study abroad, chasing a popular location without checking the cost can leave you overwhelmed later. The price of your education goes far beyond tuition and includes housing, transportation, visa fees and whether you’ll be allowed to work while you study.

Before you pick a country, compare total costs, available support and long-term value. Here’s how to do it.

Why country choice matters for international students

Where you study shapes your academic experience, career access and daily life. But it also has a major impact on:

• Tuition and fees
  Tuition and fees can vary wildly between countries. Even countries with higher tuition, like the U.S. or Australia, may offer more funding or scholarships, along with more options for student loans.
  
• Living expenses
  The average rent in Toronto or New York City is likely to be dramatically more than what you’d pay in a mid-sized city in Zimbabwe or India. Consider housing, food, transit and required insurance.
  
• Visa restrictions
  Some countries let international students work part time or offer post-study work permits. Others are stricter. This affects your ability to cover costs or gain experience.
  
• Scholarships and financial aid
  Are there government-backed scholarships? Can you get a no-cosigner international student loan? Some countries offer far more aid options than others.
  

Cost-related factors to research before choosing

These questions will help you understand the true cost, not just the marketing pitch:

• What’s the average cost of tuition for international postgraduate students?
  
• Can you work during your program? If so, how many hours?
  
• Are international students eligible for government health insurance or do you need private coverage?
  
• What types of private education loan options exist for that country?
  
• Will your visa allow you to stay after graduation to work or repay loans?
  
• Do scholarships or postgraduate student loan options vary by nationality?
  

A country with higher tuition but strong scholarships, work permits and earning potential may be a better deal than a cheaper country with fewer support options.

Don’t forget long-term costs

The financial impact of your study abroad decision continues after graduation. Consider:

• Currency exchange rates and how they affect your repayment if your loan is in U.S. dollars but you return home to earn in a different currency
  
• Whether your degree will be recognized and respected by employers in your home country or abroad
  
• The cost of living if you plan to stay in the host country long term
  

MPOWER Financing helps you study smarter

If you’re planning to study in the U.S. or Canada and want funding tailored for international students to help cover costs, MPOWER Financing offers:

• Student loans with no cosigner or collateral required
  
• Coverage for tuition and living expenses in the U.S. and tuition and university-invoiced expenses in Canada
  
• Fixed rate students loans and no prepayment penalties
  
• International scholarships and free resources for budgeting, visa prep and career planning
  

MPOWER student loans are available for over 500 universities. Approval is based on your future potential, not your family wealth.

How to balance ambition with affordability

You don’t have to choose between affordable and ambitious. A more expensive university in a country with strong post-study work access and long-term earning potential could be more valuable than a cheaper program with limited support.

Use these strategies:

• Look beyond tuition. Total cost includes rent, transportation, food, books and insurance.
  
• Compare universities in different cities or provinces. For example, if you’re moving to the United States, a university in a smaller city might offer the same degree at a lower overall cost.
  
• Search for international scholarships for master’s programs specific to your field or nationality.
  
• Factor in long-term return on investment. Will this degree help you earn more after graduation?
  

With careful planning, you can find a program that fits your goals and your budget.