Choosing the right major for your master’s can set the foundation for your future success. If you’re an international student navigating a new education system, MPOWER-eligible universities offer a diverse array of spring intake programs that not only escalate your academic potential but also enhance your career prospects. These universities offer postgraduate programs that are designed to advance your knowledge and streamline your financial approval process, ensuring quicker access to funds and bolstering your employability postgraduation.
MPOWER evaluates the current and future job market demands to ensure the eligibility of these majors for its loan program.
Here’s a snapshot of programs and schools where your academic journey can take flight this spring:
In a business analytics program, master’s students develop robust analytical skills that form the backbone of strategic decision-making across industries. The curriculum delves into advanced statistical methods, machine learning and big data analytics, preparing you to lead in tech-driven marketplaces.
A few universities offering spring intake for this program:
A computer science curriculum offers a comprehensive blend of theory and practical application in software development, algorithms and systems analysis. Master’s students gain a deep understanding of critical areas like artificial intelligence, cybersecurity and software engineering, enabling them to address and solve complex technological challenges.
A few universities offering spring intake for this program:
Master’s students in a data science program tackle complex data challenges through an intensive curriculum featuring statistical analysis, predictive analytics and machine learning. This program emphasizes practical skills in programming and data manipulation using software like Python and R, preparing graduates for high-demand roles in data-driven sectors.
A few universities offering spring intake for this program:
This program equips master’s students with the essentials of accounting and auditing, stressing the importance of accurate financial reporting and analysis. Courses cover a range of topics from international accounting standards to advanced auditing techniques, enabling graduates to pursue careers in both public and private sectors.
A few universities offering spring intake for this program:
This program trains master’s students to become experts in digital forensics and cyberterrorism, providing the skills needed to analyze, defend and prevent sophisticated cyber threats. The curriculum covers digital forensics, network security, and ethical hacking, crucial for careers in national security and law enforcement agencies.
A few universities offering spring intake for this program:
MPOWER-eligible schools are not just educational institutions – they’re the starting point to thriving careers, equipped with curricula that reflect the best options available.
If you’re wondering whether your preferred university makes the cut for spring, remember our list is continually updated to reflect the most competitive programs. All the schools listed above are on our MPOWER-eligible schools list and offer spring intake programs.
Check your eligibility
Click below to view and verify if your dream school is listed for the next spring intake.
Schools mentioned in this post do not endorse MPOWER’s loans and MPOWER is not affiliated with the schools noted in this message.
Studying abroad in Canada is an academically enriching and culturally exciting experience – but let’s not forget it can sometimes be an expensive experience, too! The good news is, there are plenty of opportunities for Canadian students to find part-time work and earn a paycheck while they’re in classes. In this article, we describe what to expect from part-time jobs in Canada, how to find them, and how to manage your time and money once you’re hired.
Know your permit requirements
If you’re studying abroad in Canada, chances are you already have a valid study permit. Before you start looking for and applying to part-time jobs, though, you’ll want to make sure you’re eligible to work in Canada according to your permit. Don’t worry! Most full-time international students in Canada can work up to 20 hours per week during the academic year. Still, you’ll want to double check your specific requirements before looking for work.
Apply for a Canadian Social Insurance Number (SIN)
SIN numbers are required for any paid work in Canada, so make sure to apply for one before you start working. The process is relatively simple and can be completed online or at a Service Canada office.
Understand on-campus versus off-campus work
International students in Canada often have the option of working on campus or off campus. The decision is up to you and depends on a number of factors. On-campus work typically involves working for an academic office, professor, or other on-campus group or club. You typically won’t have to commute for an on-campus job, and these roles are often a great way to connect to your campus community.
Good news! International students in Canada who are eligible to work on campus are also eligible to work off campus. So, if you’re okay with a potential commute off campus, you can look for roles in your school’s wider community. These roles might be harder to find, but you may be able to find work that better aligns with your future career goals. The choice is yours! But it’s good to know the differences before looking for work.
Keep in mind that on- and off-campus roles may have different permit requirements, so always check your study permit before making a decision.
Update your resume and cover letter
Before hitting the job boards, make sure your resume and cover letter are up to date. It’s a good idea to highlight previous roles, even if they were in your home country, in addition to academic experiences and on-campus leadership roles. Don’t forget to explore our top resume tips.
Explore school job boards and networking resources
The first place to look for on- or off-campus jobs should be your school’s student job board. Ask your school’s career development office to point you in the right direction if you aren’t sure where to find this. Often, student job boards include on-campus opportunities as well as off-campus roles with employers the school has a relationship with.
Also, keep an eye out for school sponsored job fairs or networking events. These are another great way to meet employers and start building professional connections.
Use other online job boards
There are plenty of other online job boards, so if you aren’t having any luck finding roles on your school’s student job board, these can be a great resource. Make sure to look for employers who are willing to hire international students.
Prepare for the application process
Applying to jobs can be stressful, but with a little bit of preparation, you can confidently handle the process. Check out the career development section of our resources hub to learn more about how to ace your application, cover letter and interview – and get a job offer!
Okay, so you got your part-time job offer – congratulations! You’re on your way to earning a paycheck and becoming more financially independent. But first, you’ll have to figure out how to manage your new job with your academic schedule, and how to manage your budget.
Managing your time
The good news is, employers who hire international students are often very aware of your academic demands – especially on-campus employers. As long as you communicate your schedule with them when you’re first hired, you shouldn’t run into many issues. Just remember: Balancing a job with a full class load can take time to get used to. Be patient with yourself!
Managing your money
Now that you’re earning a paycheck, you’ll want to make sure you’re being smart about how the money you earn is used. Creating a budget is a great way to understand your expenses and save up for longer-term goals. You’ll also want to make sure you sign up for a Canadian bank account. This will make getting paid even easier, since your paychecks can be directly deposited into your new bank account. In-country bank accounts also offer other benefits to international students, like minimizing the need for international transfer fees. Our partner TD Bank* offers an exclusive International Student Banking package designed specifically for your needs while you’re abroad.
*MPOWER has referral agreements with TD Bank and may earn referral fees from this relationship.
So you decided to study abroad in Canada – congratulations! Now you’ve got another important choice to make: which universities to apply to? Similar to the U.S., Canada is home to some of the world’s top universities. We’ve put together a guide to help you narrow down your options and apply to the right schools for your academic, professional and personal needs.
Before you pick what schools to apply to, it’s helpful to have an idea of what you want to study in your postgraduate program. Don’t worry – you don’t need to know your exact major quite yet. But you should have an idea of the direction you want to go academically. Health sciences, engineering or maybe another field of study? Knowing your academic interests helps you research schools specializing in those postgraduate degree programs. Knowing your career goals helps too. Some schools may offer specialized internship, research opportunities or co-op programs to help you start making professional connections while you’re in school.
While university ranking shouldn’t be the only factor in deciding which schools to apply to, they can be a helpful part of the decision process. Rankings can give you a clearer idea of a school’s reputation in your preferred degree program.
While your primary focus on campus should be academics, studying abroad is also a time to have fun and connect with other students. When you’re comparing schools, be sure to check out their student clubs, sports and other on-campus facilities. Larger universities may even have clubs for students from your home country, which can be a great way to feel at home in a new country.
Let’s be real: Studying abroad can be expensive. Tuition costs vary significantly between different Canadian universities and provinces. Be sure to research the cost of your program and the cost of living in the area your school is located. Housing, food and transportation costs can all add up. Financial aid can help in these situations, so be sure to check out MPOWER’s international student scholarships and no-cosigner student loans. MPOWER loans can cover up to US$100,000 total in tuition fees at schools in Canada..
Studying abroad in a new country is exciting – and it might also be challenging at times. For those challenging moments, it’s helpful to be enrolled at a school with a robust support system for international students. Check to see if the school you’re researching has a dedicated international student office to support your needs on campus.
Canada hosts hundreds of thousands of international students every year. As a result, many businesses offer special international student promotions that can go a long way toward helping you feel supported in your new home. Our trusted partners at TD Bank, for example, offer an exclusive International Student Banking Package designed to help you get your start in Canada.*
Another factor that’s important to consider when picking schools is location. Do you prefer the hustle and bustle of a big city or the local charm of a small town? Or perhaps you’re looking for something in between. Major cities like Toronto, Vancouver and Montreal are great choices for students looking to study in an urban setting. Also remember to consider climate. While Canada is known for its colder winters, the actual climate varies a bit throughout the country. Do your research on milder settings in the country if you’re not ready to face a Canadian winter!
Finally, you’ll want to consider each university’s application requirements, which can vary significantly from school to school. Some might have specific test requirements, and most will require a language proficiency test. You’ll want to make sure to take any required tests for your potential schools before applying, so note down the different requirements while you’re doing your research.
Choosing the right Canadian university for your academic, professional and personal needs requires a decent amount of research. But rest assured that whichever schools you decide to apply to, Canada’s welcoming and inclusive environment makes it a great place for all international students to thrive both academically and personally.
*MPOWER has referral agreements with TD Bank and may earn referral fees from this relationship.
Choosing the right major is important for your future success, especially if you’re an international student navigating a new education system. At MPOWER-eligible universities, we focus on primarily postgraduate programs that not only advance your knowledge, but also streamline the financial approval process.
This approach ensures quicker access to funds, enhancing your employability and financial stability after graduation. MPOWER evaluates current and future job market demand to ensure that these majors are eligible for its loan program. For example Business Analytics, Computer Science, Data Science Accounting and a host of Engineering programs.
Business analytics equips students with essential skills in data analysis and predictive analytics. Students in this program learn to use advanced tools for interpreting complex data sets, enabling strategic decision-making across various industries. The program’s curriculum includes courses in machine learning and data visualization, tailored to prepare you for leadership roles in any sector. For international students, a master’s in business analytics offers a practical pathway to understanding and addressing global business challenges, enhancing employability in technology-driven markets.
According to the 2023 Open Doors report, 3.6% of international students chose to specialize in business and management.
Computer science provides a strong foundation in software development, algorithms and systems analysis. A master’s in Computer Science includes programming languages and complex computing systems to tackle real-world problems. The curriculum covers key areas such as artificial intelligence, cybersecurity and cloud computing, equipping you for various roles in the tech industry. For international students, studying computer science offers valuable skills applicable in global technology markets, enhancing job prospects in rapidly evolving sectors.
According to the 2023 Open Doors report, 5.9% of international students chose to specialize in math and computer science.
Data science emphasizes skills in statistical analysis, machine learning and data modeling. Master’s students delve into techniques for extracting meaningful insights from big data sets and use programming tools like Python and R to manipulate and analyze data. The curriculum includes courses on data visualization and predictive analytics, preparing you for roles that require making data-driven decisions. For international students, a master’s degree in data science provides competencies highly sought after in industries worldwide, improving career opportunities in various fields.
Accounting equips students with the fundamentals of financial reporting, auditing and taxation. As a master’s student you’ll learn to prepare detailed financial statements and understand complex financial regulations. Courses include managerial accounting, corporate finance and international accounting standards, which prepare you for a range of roles in the accounting field. For international students, a master’s in accounting provides skills valued in financial markets around the world, enhancing employment opportunities across various economies.
Cyber master’s degrees provide a solid grounding in digital forensic science and anti-terrorism techniques. Students learn to use advanced software tools to investigate cybercrimes and understand the tactics used by terrorists, both online and offline. The program delves into areas like data recovery, network security and ethical hacking, equipping students to protect and analyze digital information in the context of global security threats. For international students, a master’s in this field of study offers skills in high demand for roles dedicated to maintaining cybersecurity and preventing terrorism on a worldwide scale.
Electrical and computer engineering integrate the principles of electrical engineering with the complexities of computer science. Master’s students explore how to design, develop and test electrical systems as well as computer hardware and software. The program focuses on key areas such as circuit design, embedded systems and signal processing, preparing students for innovative roles in industries like telecommunications, robotics and consumer electronics. For international students, a master’s in electrical and computer engineering offers the technical expertise required to excel in rapidly advancing technological markets, enhancing career prospects globally.
According to the 2023 Open Doors report, 15% of international students chose to specialize in engineering.
Civil engineering dives into the design, construction and maintenance of infrastructure projects. Students engage in practical and theoretical aspects of creating durable and sustainable structures. The curriculum addresses foundational topics such as structural analysis, fluid mechanics and environmental engineering, equipping students to tackle engineering challenges in urban and rural settings. For international students, a master’s degree in civil engineering opens opportunities in construction and development sectors globally, providing skills crucial for shaping modern landscapes.
According to the 2023 Open Doors report, 15% of international students chose to specialize in engineering.
MPOWER-eligible universities are more than just educational institutions; they’re the first steps to creating a thriving career. If you’re wondering whether your preferred university makes the cut, remember this list isn’t static. We constantly update our eligible universities to reflect the best options available.
The schools listed above do not endorse MPOWER, and MPOWER is not affiliated with any of the schools listed in this article.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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:
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.
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.
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.
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.
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:
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:
After uploading your resume, these sites will tell you whether your resume is ready for an ATS and may give you suggestions for improvement.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
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!
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.
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.
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:
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.
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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