Canadian study permit help from BorderPass for master’s students abroad

Canada continues to be a top destination for postgraduate students to earn their master’s degree. According to the International Consultants for Education and Fairs (ICEF) more than 1 million international students had an active Canadian study permit in 2023, a 29% rise in issued study permits compared to 2022.

If you’re interested in studying for a master’s degree from a Canada-based school, you likely need a permit depending on your program length and situation. Learn more about a Canadian study permit, and how students with an MPOWER financing loan can access expert study permit advice from BorderPass, a Canadian consultancy providing guidance and legal support.

What is a Canadian study permit and who needs one? 

A Canadian study permit isn’t a visa or other travel document. Instead, it allows you to attend a Designated Learning Institution (DLI) in Canada. The permit application is completed online for most students, and the fee is CAD$150.

If your Canadian study permit application is approved, a temporary resident visa or electronic travel authorization is automatically issued to you so you can enter the country. 

International students who are interested in pursuing their higher education in Canada, including master’s students, usually require a Canadian study permit. Certain exceptions might apply; for example, if the program you’re accepted into spans six months or less, or if you’re a family member of a Global Affairs Canada-accredited foreign representative to Canada.

Canadian study permit application requirements 

To qualify for a study permit in Canada, you must meet the Immigration, Refugees and Citizenship Canada’s (IRCC) basic eligibility requirements and submit certain documents:

• • Have a valid travel document. Present your unexpired passport or travel document from your home country and two current passport photos.
    • Online applicants: Upload a copy of the information page of your passport when you apply online.
  • Proof of acceptance letter. Provide a copy or original letter of acceptance (LOA) into a master’s program from your DLI
  • Proof of sufficient funds.  Provide proof of  funds to cover your  school tuition, fees, supplies and books, living expenses, and return transportation back to your home country. For one individual, you must have a minimum of CA$20,635, not including funds for tuition. Acceptable forms of financial proof include four months of personal bank statements, funding from a Canadian student loan, or other approved method.
  • Have a clean criminal record. A police certificate issued by your country might be required.
  • Medical exam requirements. Provide proof of a medical exam required for postgraduate students studying in Canada longer than six months. This step is an additional cost.
  • Letter of explanation. Provide a concise personal essay of your goals for studying in Canada. Briefly explain why you want to study in the country, acknowledge your duties as a visiting student, and clearly state your intention to leave Canada when your study permit expires.

International students who are studying for a master’s or doctoral degree in Canada are not required to provide a provincial attestation letter (PAL) or territorial attestation letter (TAL). 

After submitting your study permit application, additional steps might be required. For example, you might be asked to undergo biometrics (like fingerprints and photo) for an additional CAD$85 fee, attend an interview with a Canadian official in your home country, or provide additional information. Once you’ve provided all necessary documents, your application will be reviewed; processing can take up to three months, but timelines vary.

MPOWER helps students receive Canadian study permit help 

Getting knowledgeable guidance and support during the permit application process and throughout your master’s program is a critical part of successful Canadian immigration experience. To help its student loan customers, MPOWER Financing partnered with BorderPass, a digital platform that offers access to Canadian immigration experts.

How BorderPass helps you get a study permit 

BorderPass makes the study permit application process a more efficient experience, and helps you improve the likelihood of getting your study permit approved. The platform has more than a 90% success rate for study permits, globally. 

The platform guides you through every immigration step toward your permit, including sending due date reminders, alerts, application status updates and professional legal advice from Canadian lawyers.

You’ll also receive key information for a smooth arrival to Canada, like what to expect at the Canadian border and the documents you should have ready. If you need to extend your study permit, BorderPass also guides you through the extension process. 

Additional BorderPass perks 

BorderPass members can get support with services to get settled in, like housing, opening a Canadian bank account, getting mobile phone and internet access and more. As a member you can access exclusive discounts from top providers that are only available through a BorderPass membership.   

It also supports students’ ongoing needs, whether that’s add-on visa services, post-graduation work permits, Social Insurance registration or path toward permanent residency.

How much does BorderPass cost? 

Students who have an MPOWER Financing international student loan can access BorderPass at an exclusive rate. You can get Canadian study permit help through the platform at a discounted cost of CAD$350. 

 

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This membership provides one-year access to streamlined assistance and resources, not just for your study permit but also for other immigration support you might need during and after your master’s program.  

Get ongoing support for your study permit today 

If you plan on getting a master’s degree in Canada, there are specific steps you must take to secure a Canadian study permit. Although you can go through the process yourself, having access to professional Canadian study permit help offers greater peace of mind.

Take advantage of MPOWER’s exclusive reduced BorderPass rate, and get guidance for your Canadian study permit today.

How do you justify job-hopping on your resume?

If you’ve switched jobs several times in a short period of time, you might be worried that a future employer thinks you can’t commit. Although job-hopping is a lot more common than it used to be, some employers still raise an eyebrow at frequent changes. Fortunately, there are ways to explain your job-hopping and allay an employer’s concerns that you’ll “jump ship” in the near future. From highlighting your skills on your resume to talking up your enthusiasm for the new job, here are some tips for explaining job-hopping on your resume. 

What is job-hopping? 

Job-hopping refers to changing jobs often in a relatively short period of time. If you haven’t held a position for longer than a year or two, you might be considered a job-hopper. 

Switching companies isn’t nearly as uncommon as it used to be, though. While workers aged 55 to 64 stay with their employer for a median of 9.8 years, according to the Bureau of Labor Statistics, the median tenure for workers aged 25 to 34 is only 2.8 years. 

Plus, nearly half of employers (47%) in Monster’s 2021 Future of Work survey said job-hopping wasn’t as much of a red flag as it once was. Job-hopping also isn’t unusual if you’re a recent graduate and are figuring out your career path. 

If you’re an international student or graduate, your work experience might also have been restricted by visa requirements. Or, you might have worked several short-term jobs while you earned your degree, such as an internship or university assistantship. 

All that said, employers still generally want to hire someone who’s committed for the long haul. They put a lot of time, money and effort into the hiring process, so it’s up to you to prove you’re worth the investment. 

How to explain job-hopping on your resume 

Although job-hopping has become more common, it could still be a cause for concern in your job hunt. To put a hiring manager’s mind at ease, here are some ways to explain your history of job-hopping. 

1. Highlight your skills on your resume 

When you write your resume, craft a strong summary statement at the top that highlights your skills and achievements. Focus on your overall experience in a field, even if you’ve switched employers a few times. Incorporate keywords from the job description, too, to show you’ve done your homework. 

Keep in mind that you don’t have to list every job you’ve ever had on your resume. Feel free to leave out positions that were particularly short-term (unless they were meant to be that way, like an internship or university job). You could also leave out months when listing your jobs and only include the years you were in a role. 

Finally, consider combining positions if it makes sense to do so. Let’s say you had several short-term gigs or clients as a software engineer that spanned two years. You could highlight that you have two years of software engineering experience for a variety of accounts. This approach makes sense if you’re a freelancer, have worked at several startups or are part of a field with a high turnover rate. 

With these approaches in mind, you can craft a resume that emphasizes your skills and overall experience, rather than calling attention to a history of short-term jobs. 

2. Address your work experience in your cover letter 

Your cover letter is an opportunity to introduce yourself to a hiring manager and make your case for getting the job. It can also be a chance to explain a history of job-hopping. 

Give concise but honest explanations about why you left certain roles. For instance, you could explain you were laid off due to company downsizing or took on temporary projects during the coronavirus pandemic. 

If the company simply wasn’t a good fit, you could emphasize why the new job would be a better match for your skills and career goals. You could conclude the letter by saying you’re happy to answer any questions the hiring manager has about your work history. 

3. Be honest, but keep it positive 

If you score a job interview, prepare yourself for questions about your job-hopping history. This is another opportunity to give context to your work experiences and discuss them in a positive way. 

For instance, you could explain that your varied work experience has made you adaptable, willing to take risks and confident that this next job is what you’re looking for long-term. Emphasize your transferable skills or the skills you’ve acquired that you could bring with you into this next role. 

As you explain your job history, avoid bad-mouthing a former employer. Even if you had to leave a toxic environment, keep your focus on the positive so you don’t appear difficult to work with. 

4. Show your enthusiasm for the new job 

Hiring managers are looking for someone who’s going to commit to the company and help it achieve its short- and long-term goals. To prove you’re that candidate, speak about what excites you about the role. 

Show that you’ve done your research on the company and have a clear understanding of the job description. Prepare thoughtful questions for the interviewer that demonstrate your interest in the position. 

Interviewing, hiring and onboarding a new employee is a time-consuming and expensive process, so hiring managers want to invest in someone who’s ready to commit. By showing that you’re knowledgeable and excited about the job, you can reassure them you’d be a good long-term hire. 

Job-hopping doesn’t have to be an obstacle in your job hunt 

Job-hopping doesn’t have to get in the way of you and your dream job. It’s more common than it used to be, especially in the last few years of the pandemic and the market uncertainty that came with it. 

If you’ve held a bunch of positions in the last few years, use the above strategies to put your best foot forward on the job hunt. Optimize your resume, provide context in your cover letter and be prepared to speak honestly and positively during job interviews. 

As long as you do your homework on your target job, you can prove to a hiring manager you’re an excellent candidate who’s ready for a long-term professional commitment. If you’re working on your resume, check out these resume tips for international students.

How to write a resume that passes through Applicant Tracking Systems (ATS)

Before a hiring manager looks at your job application, your resume may have to pass through an Applicant Tracking System, or ATS. According to Jobscan, nearly 99% of Fortune 500 companies use ATS software to screen resumes before they ever reach human eyes. That’s why it’s so important to write a resume that’s optimized to pass an ATS scan. With the following ATS resume tips, you can create a resume that sails through this screening and gets you a big step closer to landing your dream job in the United States. 

What’s an ATS? 

An ATS is a type of software some companies use to streamline their hiring processes. It scans and processes job applications so hiring managers don’t have to sort through thousands of resumes on their own. 

The ATS may sort, rank or even disqualify resumes that don’t fulfill the requirements for a position. In fact, TopResume says that 75% of resumes don’t make it past the ATS to a human reader. 

Don’t feel discouraged by this stat, though – there are easy ways to write and design your resume so it’s ATS-friendly. 

How to write an ATS resume: 7 tips  

When crafting your ATS resume, your goal is for a hiring manager to read it. That’s why it’s important to craft a resume that will impress both an ATS scan and a human reader. These tips can help. 

1. Write an optimized headline 

Your resume headline gives a quick summary of who you are as a professional. It appears at the top of your resume and can help an ATS quickly determine whether you’re a good fit for the target job. 

Let’s say, for instance, that you’re applying for a job as a software engineer. Your headline should use the target job title whenever possible. Some examples could be: 

• Highly competent software engineer with demonstrated success designing and maintaining large-scale software solutions 
• Detail-oriented software engineer with proven capabilities in cloud architecture 
• Motivated and hardworking software engineer with a passion for innovating technology 

If you’re an entry level candidate, you could use the target job title in your headline and then succinctly describe your relevant experience below that. Using the job title at the top of your resume will help show the ATS you’re a good fit for the role.

If you’re applying for a job as a software engineer and your resume headline says you’re a dentist, the ATS will probably discard your resume right away. 

2. Use simple formatting 

Although you may be tempted to add charts, tables and graphics to your resume, these elements could confuse an ATS. Applicant Tracking Systems have an easier time reading resumes with a simple design. 

That means ignoring graphics in favor of straightforward text, headers and bullet points. Use a tried-and-true font like Arial or Times New Roman, and ditch special characters or images that would be tough for an ATS to read. 

3. Stick to straightforward headers 

You’ll also want to stick to straightforward headers and a clear hierarchy when crafting your ATS-compliant resume. Although it may be fun to mix it up with creative headers like “Scholarly Pursuits” and “Where I’ve Been,” these out-of-the-box ideas could hurt your chances of making it through the ATS scan. Instead, use traditional section headers like “Education” and “Work Experience.”

Follow a traditional resume structure, too, which generally involves a headline, summary statement, education and work experience in reverse chronological order. Using a clear hierarchy divided into sections will be easier for both an ATS and a hiring manager to read. 

4. Include keywords from the job description  

With the rise of artificial intelligence, ATS software is getting more sophisticated at reading through resumes. However, it still looks for relevant keywords to determine whether you’re a strong candidate. 

You can find these keywords directly in the job description. A company may list hard and soft skills that it’s looking for, as well as specific qualifications, certifications and experiences needed for the role. 

You don’t want to repeat the same keywords over and over, but make sure to incorporate the most important ones in your summary of skills and work experience sections so the ATS understands you fit the job criteria. 

5. Take advantage of ATS resume templates 

When crafting your ATS resume, you’re not on your own. You can find various ATS resume templates and tailor them to your experience. Here are a few resources to get you started: 

• Jobscan 
• Resume Worded
• Novoresume 
• Rezi 

6. Try a free ATS scan before you submit 

There are a number of free online resources you can use to check whether your resume will make it through an ATS. Here are a few websites that offer ATS resume checkers: 

• Jobscan
• Resume Worded
• Skillroads
• TopResume

 

After uploading your resume, these sites will tell you whether your resume is ready for an ATS and may give you suggestions for improvement. 

7. Save your resume in the right format 

Read over the job application instructions to find out what format to submit your resume in. Some ATS software can process both PDFs and .docx files, whereas others have trouble processing PDFs. If you can’t find any guidelines, either format should work. 

Beat the bots with a well-crafted resume 

As an international graduate in the competitive U.S. job market, crafting an ATS-optimized resume is crucial. By following the tips above – such as using relevant keywords, sticking to a simple and clean format and clearly highlighting your qualifications and experiences – you can enhance your chances of passing an ATS screen. 

If you borrowed a student loan from MPOWER Financing, you can also take advantage of MPOWER’s career support services through its Path2Success program. These services include a resume builder, job application support, and a directory of F-1-eligible positions.

 

Learn more

 

Customize your resume to each job you apply for, and make it clear for both an ATS and a human reader to understand. Your unique experiences as an international applicant will be an asset to any company. 

International master’s students day one in the U.S. checklist

You’re moving to the U.S. for your master’s studies! To make sure you start things off in a positive way, here’s a handy checklist for your first day in the U.S., covering everything from settling into your new place to making social connections.

Check into your accommodations 

When checking into your accommodations, ensure you understand all the terms and facilities. Inspect the premises and clarify any doubts regarding utilities, rules or emergency procedures.

Setup communication

Before you start exploring the area and visiting your campus, stop by a phone store or a carrier to purchase a SIM card. Make sure to include data in your plan so you always have access to the internet and can use navigation apps while you’re getting accustomed to your new city. MPOWER Financing partners with a SIM card provider, allowing all MPOWER customers to get a free SIM card and the first month of service for free. 

Visit your university 

Head to your university and locate key departments like the international student office, student health services, the registrar and the library. You probably will have school-led tours around your campus, but familiarizing yourself with locations early on can ease a lot of stress and confusion.

Opening a U.S. bank account 

Setting up a U.S. bank account as soon as you arrive is important for managing your finances smoothly. This allows you to securely manage your tuition and living expenses, and it helps build your credit history right from the start. Be sure to bring necessary documents like your passport and I-20 to the bank to simplify the account opening process. If you’re an MPOWER Financing customer, you’re able to open a bank account and a credit card at no cost and without visiting a financial institution. 

Shopping for essentials 

For a one-stop-shop solution to furnish your new living space, head to a nearby big-box store like Walmart or Target. These stores enable you to set up your new home comfortably without breaking the bank. Here are some of the must-have essentials to settle in quickly:

• • Food
  • Kitchenware
  • Cleaning supplies
  • Silverware
  • Office supplies
  • Toiletries

Connect with fellow students 

Join student groups or forums at your university. Connecting with peers, especially those from similar cultural backgrounds, can provide support and enhance your social life. Keep an eye out for clubs focused on students from your country and pre-class gatherings at residential halls to meet and bond with other students.

Explore local transportation options 

If you’re in a metropolitan area, check out the public transportation options and consider getting a transit pass. Some universities include a small fee for a transit card in the tuition, which grants you unlimited access to public transport. Get to know the local transit so you’re ready to commute on your first day of classes.

Discover local eateries and cultural sites 

Take some time to explore local eateries and cultural sites around your university. You’ll often find international markets and restaurants serving cuisine from around the world. Maybe you can ever locate a place with a favorite dish from your country! 

Wrapping up your first day

Your first day in the U.S. as an international master’s student is packed with activities and new experiences. By following this checklist, you ensure a great start to your studies. Remember, the key is to be prepared and keep an open mind.

U.S. health insurance for international students: what to know

Many international students get confused about shopping for health insurance abroad. Don’t worry! We’re here to help. 

The U.S. healthcare system differs from other countries around the world. Let’s break down the basics of student health insurance so international students studying in the U.S. can understand it more easily.

Are international students required to have health insurance?

In the United States, international students on an F or M visa aren’t required by federal law to have health insurance, but many schools require students to have some type of insurance plan. Some schools in the U.S. offer predetermined plans to make the process easier. While it might be convenient, it’s not always the most cost-efficient option or might not meet your health coverage needs.

There are four common insurance requirement categories at U.S. universities. These options vary greatly from one university to the next and are set by your institution:

• • Mandatory: You must take the school’s insurance policy.
  • Mandatory with waiver: You must purchase the school’s plan unless you find an alternative that meets specific requirements set by your school. 
  • Mandatory choice: You must have an insurance plan, but you can choose any plan that meets your school’s requirements.
  • Optional: You can choose any plan you qualify for, and your school might not even require you to have a plan. 

If your school doesn’t require health insurance for international students, it’s still best to have a plan. Having a policy provides peace of mind so if you become ill or injured, you have coverage. 

Understanding the U.S. health insurance system

Unlike other counties, like Australia, Canada and Germany, the United States doesn’t have a universal health care system. Depending on your school’s insurance requirements, you can choose to enroll in your school-sponsored health services plan or opt for a private health insurance plan from a third-party provider.

Although some health service networks are government-owned and operated, many U.S. health facilities and providers are run by private institutions. The health insurance system typically follows a fee-for-service (FFS) system. This means you’ll pay for each medical visit or service you receive.

Without a health insurance plan, you’re 100% responsible for paying health care services out of your own pocket. A health insurance plan shares some of the costs you might encounter from doctor visits, in-patient hospital stays, prescriptions and laboratory tests.

Health insurance terms to know

• • Premium: Your insurance premium is the upfront cost for your health insurance plan. You might pay this amount in one lump sum annually, or in monthly or quarterly installments. If enrolled in your school’s health plan, you might pay this cost annually or per session.
  • Deductible: This is the minimum amount you must pay out-of-pocket, before your health insurance plan shares the cost of your services. For example, if your deductible is US$500, you’ll need to meet this minimum expense before your plan helps pay for health service charges.
  • Co-payment: This is a fixed payment that’s due upfront when services are provided, such as visiting a doctor’s office.
  • Co-insurance: Co-insurance is a percentage of a service cost that you’re responsible for. This is in addition to deductibles you must meet. Let’s say your co-insurance is 30% and you’ve already met your US$500 deductible. If you receive a US$100 health bill, you’re responsible for US$30 of co-insurance, and your insurance plan will pay US$70 toward the health service. 
  • In-network: An in-network provider or facility has a contract with your health insurance company. Your insurance company will typically have a list of “in-network” providers for you to explore. 
  • Out-of-network: An out-of-network provider or facility isn’t contracted under your health insurance company or plan. Although they might be willing to provide you service, you’ll typically pay more by using an out-of-network provider. 
  • Claim: You or your health service provider submits a claim to your health insurance company. A claim is a full or partial reimbursement request for the cost of services you received.

Key benefits of an insurance plan

There are a wide array of insurance plans available offering different coverage. First, verify your school’s requirements to understand the type of coverage your plan must include.

Insurance coverage requirements might vary between schools, but here are some key benefits your plan should cover: 

• • Doctor visits
  • Hospitalization
  • Prescriptions 
  • Mental health 
  • Repatriation 
  • Emergency medical evacuation 

Without good coverage for basic medical needs, you may find yourself in financial trouble in the long run. 

It’s also crucial to identify hidden limits. Some insurance companies offer plans with sub-limits that limit the amount they’ll pay for treatment, even if your total plan limit is higher. For example, you might have US$100,000 coverage per hospitalization, but in the fine print, insurance only covers US$500 per day.

Non-essential, but beneficial insurance benefits

If you want or need more than just basic health insurance coverage, there are options. Some companies offer plans for international students that cover organized sports injuries, maternity and preexisting conditions. 

Most health insurance policies for international students focus on assisting with accidents and illnesses – not providing preventative treatments. That’s why dental, vision, wellness, congenital disorders, and self-inflicted and sport-related injuries are commonly excluded from student health insurance plans. These exclusions help keep the cost of insurance affordable.

Cost of health insurance for international students

According to a 2022 survey by Hodgkins Beckley & Lyon, a higher education healthcare management firm, undergraduate students at public colleges and universities spent US$226 per month for health insurance. For those attending a private institution, the cost increased to US$295 per month. 

Factors that might affect your health insurance costs include whether you enroll in a university-sponsored plan or private plan. Your age, coverage level, and coverage duration can also influence your total health insurance costs in the U.S.

Each insurance provider and plan is different. Make sure the insurance you’re selecting fits not only your budget but also provides good coverage for your medical needs.

5 U.S. health insurance tips for international students

1. Start looking for a health insurance plan ASAP:  Although it’s not federally required for international students to have a health insurance plan, some schools may require proof of insurance for admission purposes. For this reason, it’s best to double-check with your school about its health coverage requirements and research plans in advance.
2. Determine your insurance coverage start date: Most students choose to start their coverage the same month they begin classes. Make sure your insurance begins the day you arrive in the U.S. Some schools have specific date requirements you need to take into account as well.
3. Verify your network providers: Receiving services from preferred providers in your insurance plan’s network can help keep your costs low. Out-of-network providers not contracted under your health insurance company result in a higher copayment and coinsurance.
4. Keep office visit costs in your monthly budget: Speaking of copayments and coinsurance, include these possible expenses in your monthly budget. Having funds set aside for health-related visits can help you get the care you need if you become ill or injured.
5. Leverage on-campus services: If you need additional support, reach out to on-campus resources like your university’s health or wellness centers and international student service office. Also, sign up for university-sponsored informational health workshops, if offered.

Finding health insurance that’s right for you

International students should prioritize health insurance for a worry-free academic journey abroad. Whether required by a school or not, having coverage is essential. When shopping for health insurance plans, focus on understanding plan benefits and matching them to your needs.

Having a choice when it comes to selecting health insurance is valuable. Fortunately, there are a wide array of plans available for foreign students. 

MPOWER Financing partners with qualified insurance providers to deliver comprehensive health insurance for you. Start exploring student health insurance plans today.

 

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International master’s student travel tips for fall study abroad

Congratulations on starting a master’s degree in the U.S. or Canada. Traveling internationally can be life-changing, but also requires you to take many things into account. This blog offers handy tips to help you prepare for your international trip, ensuring a seamless and unforgettable adventure.

Pre-departure preparation 

Thorough preparation before departure is important to ensure a smooth journey and stay abroad. Addressing key aspects such as documentation, health and finances will help you avoid last-minute stress and potential pitfalls.

Documentation and visas

• Passport: Make sure your passport remains valid for the entirety of your stay, plus a couple additional months. This extra time ensures you’re covered if you choose to extend your visit in the U.S. or Canada.
• Visa: Apply for any required visa well in advance to avoid any last-minute hassles. Each country has different requirements, so consult the embassy’s website for detailed instructions.
• Copies: Keep physical and digital copies of important documents like your passport, visa, I-20, study permit and health insurance. These can be lifesavers in case of loss or theft.

Health and insurance

• Check-ups and vaccinations: Schedule a health check-up and receive any necessary vaccinations. Be sure to bring a supply of any prescription medications you’ll need for at least the first month or two – if not the first year.
• Student insurance: Purchase comprehensive student health insurance that covers health, accidents and trip interruptions. This not only provides peace of mind but also ensures you get the care you need without paying out of pocket.

Financial planning 

• Budgeting: Calculate a realistic budget that includes tuition fees, living expenses, travel costs and an emergency fund. 
• Bank notifications: Inform your bank and credit card about your travel plans to prevent your account from being frozen due to suspicious activity. Inquire about international transaction fees and consider getting a travel-friendly credit card. If you have an MPOWER Financing international student loan, make sure your bank has the needed information to ensure seamless monthly payments. Also, every approved MPOWER Financing customer is eligible to receive a bank account and credit card in the U.S. or Canada through MPOWER’s Path2Success program. Want to know what other benefits are available to you as an MPOWER customer?

 

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At the airport 

Heading to the airport is where your adventure really starts. Here are some simple tips to help you navigate everything smoothly and kick off your journey with ease.

Study your airport 

• Know your gates: Familiarize yourself with the layout of your departure and arrival airports. Most airlines have maps of airports available in their app, which can help you find your gates, restrooms, dining options and other facilities before you even get there.
• Connection time: When booking flights with layovers, allow enough time to navigate between gates. A two to three-hour layover is generally optimal, giving you enough leeway to go through security checks and locate your next gate without feeling rushed.

Security checks and customs 

• Arrive early: Arriving at the airport at least three hours before an international flight allows ample time for security checks, especially during peak travel seasons.
• Prepare for security: Have your passport, boarding pass and any necessary documents readily accessible. Be prepared to remove laptops, liquids and shoes if required by security protocols.
• Customs forms: Be sure to accurately fill out any customs forms given to you on the flight and keep them handy. These will be needed upon arrival.

Carry cash 

• Currency exchange: While debit and credit cards offer convenience, it’s wise to carry some cash in the local currency of your destination. Exchange a small amount of cash before you leave or use airport exchange services upon arrival.
• Emergency funds: Keep some emergency cash in a safe place in case your cards don’t work or get lost. A small amount can go a long way in helping you cover unexpected expenses.

Stay connected and comfortable 

• Wi-Fi: Some airports provide limited internet access. Check for Wi-Fi availability at the airport in advance of your departure to ensure you have all essential files downloaded or physically printed with you. Staying connected will help you navigate and stay in touch with friends or family.
• Charger and converter: Carry a portable charger and a plug converter with you. Plugs in the U.S., Canada and Mexico differ from the rest of the world, so having one on you will prevent you from losing access to your devices.
• Comfort items: Keep a travel pillow, a light blanket and snacks in your carry-on. These can make delays or long layovers more bearable.

 

Upon arrival 

Once you’ve landed, it’s all about going through the new airport. Here are a few pointers to help you find your way, handle official procedures quickly and safely get to your next stop.

Navigating the airport 

• Follow signs: Airports typically have clear signs indicating where to go for immigration, baggage claim and customs. Follow these signs carefully.
• Have documents ready: Be prepared to show your passport, visa and customs forms multiple times. Having them easily accessible will speed up the process.

Immigration and customs 

• Patiently wait your turn: Immigration lines can be long. Stay patient and keep your documents ready for verification.
• Declare items honestly: If you’re carrying items that need to be declared, do so honestly to avoid fines or confiscation.

Post-arrival essentials 

• SIM card and transport: Consider buying a SIM card at the airport to ensure you have mobile connectivity. On the other hand, every approved MPOWER customer can get a SIM card at no cost prior to arrival to the U.S.
• Transport: Arrange or understand transportation options to your accommodations in advance.
• Safety first: Only use official taxis or ride-shares recommended by the airport. Avoid unlicensed drivers offering services in the terminal.

Packing essentials 

Efficient packing not only helps you stay organized but also ensures you have everything you need for the first couple days in the new country. Here are some tips that will help you to prepare for the transition:

• Study materials: Pack essential academic materials and gadgets such as your laptop, chargers, textbooks or even office supplies. Ensure you have access to any online resources you might need.
• Resource access: Plan how you’ll access your university’s online portals and libraries abroad, noting any potential restrictions or VPN requirements.

• Clothing: Pack versatile, climate-appropriate clothing that can be layered. Consider the cultural norms of your destination to ensure respectful dressing.
• Space-saving techniques: Use packing cubes, vacuum bags and thoughtful folding techniques to maximize space.
• Toiletries and first-aid: Bring travel-size toiletries and a basic first-aid kit that includes essentials like band-aids, antiseptic wipes and any medications you regularly use.

Final thoughts 

As you get ready for your master’s degree in the U.S. or Canada, remember that being well-prepared is your key to a lifelong experience. By taking care of your documentation, health, finances and essential needs, you’re paving the way for a successful time abroad. Whether it’s immersing yourself in new academic challenges, soaking up diverse cultures or building a global network, these tips will help you navigate your journey with confidence.

Guide to Canadian university admission requirements for international students

Navigating the admissions process for Canadian universities as an international student can seem daunting, but with a clear understanding of the requirements and a bit of preparation, it can be a smooth experience! This guide will provide an in-depth breakdown of everything you need to know to apply to Canadian universities: 

1. Let’s start with the basics

Canadian universities typically require the following from international applicants:

• • A completed application form: Most universities have online application portals where you can fill out and submit your application.
  • Your academic transcripts: Official transcripts from your undergraduate studies or previous educational institutions are required. These should be translated into English if they’re in another language.
  • Proof of language proficiency: If English or French is not your first language, you will need to provide proof of language proficiency. Commonly accepted tests include IELTS, TOEFL for English, and TEF or TCF for French. Check out our tips for non-native English speakers studying in Canada.

2. Program-specific requirements

In addition to the general university application outlined above, different academic programs might have specific requirements. Here’s an example of what those requirements might look like: 

• • Prerequisite courses: Some programs, especially in fields like engineering, science or business, may require you to have completed and passed certain courses during your undergraduate program.
  • Additional materials: Depending on your planned course of study, you might be asked to upload a portfolio (for art or design programs) or to answer specific essay questions (for liberal arts, business or law programs). 

3. Application deadlines

Make sure you know the application deadlines! These deadlines can vary a lot from one university to the next, so it’s a good idea to add them to your calendar so you don’t forget. 

In general, application deadlines for programs that start in September range from January to April of the same year. Remember – it’s always a good idea to submit your applications early to avoid the stress of missing deadlines!

4. Financial planning

It’s no secret that studying abroad can be costly. Make sure you account for tuition and other travel and living costs when you’re applying to your dream schools – and have a plan in mind for how you’ll fund your studies! Keep in mind that schools will require you to show proof you have enough funds to pay for your program in Canada. For many students, international scholarships and student loans are a great way to fund their education. Learn more about MPOWER Financing’s no-cosigner student loans and check if you’re eligible for any of our scholarships.

5. Study permits

When you receive an acceptance letter from a Canadian university, it might feel like time to celebrate! And while you should feel proud of your achievement, there’s still one more important element of studying abroad in Canada to get sorted – your study permit. 

You can apply for your study permit directly with the Canadian government. The process isn’t as complicated as the U.S. immigration process, but you should still plan ahead as Canadian study permits can take up to three months to be approved. You’ll need your school’s acceptance letter, as well as other required documents like a valid passport to apply. If you elect to use a Canadian Immigration Advisor to assist you, they must be licensed by the Canadian government.

If you’re an international student looking to meet the Canadian government’s Student Direct Stream Program (“the SDS Program”), the TD International Student Guaranteed Investment Certificate (GIC) Program can help you meet the requirements for an expedited study permit.*

Prepare yourself for a smooth education in Canada

Applying to Canadian universities can be a time consuming process, but with preparation and a clear understanding of your school and program requirements, you’ll be on your way to studying in Canada in no time! If you’re unsure where to apply and want to learn more about schools that support MPOWER student loans, check MPOWER-eligible schools page. Make sure to research specific program requirements, mark down important deadlines, secure financing, and apply for your study permit ahead of time.

* TD Bank is an official partner of MPOWER Financing.

 

Navigating language barriers: tips for non-native English speakers studying in Canada

Studying abroad is an exciting and enriching experience, but it also brings some challenges – particularly when it comes to language barriers. For non-native English speakers studying in Canada, overcoming these language barriers is key to succeeding in school, learning about the local culture, and meeting new friends. But don’t panic! We’ve collected some tips and strategies to help you navigate language barriers while studying abroad in Canada. 

1. Know what to expect

The first thing to know about studying in Canada is that Canada has two official languages – English and French. Although English will likely be the primary language of your academic studies, students who speak French will be able to communicate throughout most of the country too. But even students who speak French will benefit from improving their English skills in Canada as these skills will come in handy academically, professionally and when looking for a job. 

2. Take advantage of your school’s language resources

Many universities in Canada provide language support services, so be sure to ask about these resources with your school’s international student office. These resources are one of your best options when it comes to improving your English skills on campus. Most schools will offer a combination of one-on-one tutoring, workshops and even classes to enhance your language skills and build confidence. If you’re struggling with your English coursework, don’t be afraid to reach out to your professors for additional support.

3. Engage with your classmates

Participating in social activities, like joining campus clubs or sports teams provides a great opportunity to organically improve your language skills. In these settings, you’ll become familiar with slang, idioms, accents and other nuances within the language that you wouldn’t learn by reading a textbook. Connecting with your Canadian classmates on campus is another great way to learn English – your new friends might even offer to help you improve!

4. Use technology for extra support

Language learning apps like Duolingo, Babbel and Rosetta Stone are a great way to expand on the English skills you’re learning on campus. Ask your school’s international student office if they offer student subscriptions or discounts to these platforms.

5. Find products catered to your needs

While you’re working to improve your English skills, it’s good to find reliable products and services that are accommodating to non-English speakers, especially when managing your finances. Many international students find it helpful to open a local bank account while studying in Canada. TD Bank* is a great option for non-native English speakers, as their advisors collectively speak over 80 languages, which many students find valuable when managing finances.

6. Practice and be patient!

Learning a new language is a gradual process requiring patience and persistence. It’s normal to make mistakes, so be patient with yourself! The most important thing is that you practice your new English skills whenever you have the chance – in class, with friends and even when engaging in your local community. Listen to music in English, read the news in English, and watch your favorite movies and TV shows in English! Before you know it, you’ll be communicating with confidence.  

Final thoughts

Studying in Canada and speaking English as a second language can be challenging for international students. But with persistence and regular practice, you’ll see your English skills improve significantly in no time.

If you’re just starting your journey abroad and considering studying in Canada, explore MPOWER-eligible schools where MPOWER Financing can help cover your tuition.

 * TD Bank is an official partner of MPOWER Financing.

Studying abroad in Canada: Your essential pre-departure checklist

In 2023, more than one million international students chose to study abroad in Canada, according to data from International Consultants for Education and Fairs (ICEF). That’s a record high! If you’re preparing to pursue your studies in Canada, you have a lot to be excited about  – from excellent universities and a booming job market to beautiful natural scenery and a welcoming culture. But there’s also a lot to prepare for! That’s why we created this essential pre-departure checklist for international students heading to Canada. 

Read on to make sure you’re on track for your international studies. 

Secure your Canadian study permit

While the immigration process to study abroad in Canada is typically simpler than that of the United States, most international students will still be required to have a Canadian study permit to pursue their academic program. The study permit is a document issued to foreign nationals who wish to study at designated learning institutions in Canada. Don’t worry – all primary and secondary schools in Canada are designated learning institutions! 

How do you apply for your study permit? You’ll need a specific set of documents to apply, including an acceptance letter from your school. You can learn more about how to apply for your study permit on the Canadian government’s website. Approvals for study permits typically take around three months, so plan accordingly. 

For some students, it’s also possible to expedite the process of obtaining your study permit. Students from specific countries may be eligible for the Student Direct Stream (SDS) program, which speeds up the permit approval process! Initiatives like TD Bank’s* International Student Guaranteed Investment Certificate Program can help ensure you meet the requirements of the SDS program.

Confirm housing arrangements

It might sound like common sense, but make sure to confirm your housing arrangements in Canada before you go abroad. While many schools will offer on-campus housing  (included in your tuition payments) it’s not uncommon for international students to live off campus in a house, apartment or homestay. On-campus housing is typically dormitory style, and you’ll be living with a roommate. Off-campus housing may afford you the opportunity to live alone, or with multiple roommates to cut down on your rent payments. Homestays, in which you live with a host family close to your school, also offer an interesting option for students who want to enmesh themselves in the local culture and make connections to real Canadian families while abroad. All these housing options have their own pros and cons, so make sure you pick one that best suits your needs.

Find student loans and scholarships

Student loans and scholarships to study in Canada are great ways to offset the high cost of tuition. If you haven’t already secured funding for your academic program, look into student loans that cater specifically to international students. Our no-collateral student loans at MPOWER Financing, for example, don’t require a cosigner or a credit history.

Learn more

 

Scholarships are another great way to fund your education in Canada. There are countless partial and full scholarship options available for international students – but keep in mind that scholarships are usually very competitive. Check out MPOWER’s international student scholarships to see if you qualify for any of ours. 

Prepare for travel and other expenses

Of course, to travel to Canada from your home country, you’ll need a plane ticket. Make sure to book your flight ahead of time to ensure you get the best deal. Explore deals on sites like StudentUniverse, which offer exclusive travel discounts for college students. 

In addition, prepare for upcoming and unexpected expenses when you arrive in Canada. Things like textbooks, food and even furniture can catch students by surprise and add up. The more you can anticipate these expenses, the better prepared you’ll be when you arrive on campus. 

Sign up for a Canadian bank account

Finally, one often overlooked element of studying abroad is banking. You probably already have a bank account in your home country, but it’s a good idea to sign up for one in Canada too. Why? Doing so ensures you’ll be able to make purchases easily in Canada, use ATMs to access your money, and avoid extensive foreign transfer fees. Plus, many banks offer exclusive deals and savings for international students. For example, TD Bank offers an International Student Banking Package with unlimited transactions and no transfer or transaction fees. 

Final thoughts: getting ready for Canada

There’s so much to do when preparing to study abroad in Canada! But with a little bit of hard work and advanced planning, you’ll be ready to start your education journey with confidence. With your study permit, housing, funding, travel plans and bank account in place, you can start the most important part of your preparation: getting excited to study in Canada!

*TD is a partner of MPOWER Financing

U.S. Visa 101 with Immigration Experts

Join our discussion with expert immigration guests to learn about visas, study permits, and other documents. We’ll answer common questions about immigration, visa interviews, financing, and the overall U.S. visa process.