How to avoid racking up personal debt as an international student

Study International | March 05, 2019

While student loan debt is inevitable in many cases, there are other forms of debt that international students can easily avoid.It may be difficult to manage your personal finances initially. Many international students are leaving home for the first time and having to manage a large amount of funds they aren’t at all used to handling.How do you avoid falling into traps and racking up a huge amount of personal debt during your time abroad? Here are some tips: In countries where your credit score is important like the US, you may be advised to get a credit card to ‘build your credit’.However, while building your credit is important for getting loans later on, it can just as easily damage your credit score if you don’t make payments on time.If you plan on getting a credit card for the sole reason of building up your credit, compare cards from different banks to determine which has the lowest interest rate, annual fee waivers and so on.Once you get it, create an automatic payment for the minimum due each month so it won’t affect your credit score. Use your credit card only to make payments for daily purchases (groceries, books, toiletries), or for bill payments like your mobile phone plan, that you know you can pay off as soon as possible.As tempting as it might be, do not use your credit card to pay for items that are out of your budget, or you’ll likely find yourself deep in debt before you know it. What are store cards? They are credit cards you receive from a specific store or chain instead of a bank, such as Boots, Kohl’s or Victoria’s Secret.

Spotlight

This white paper is a road map for ensuring success in your UCC (unified communications and collaboration) spaces. We’ll discuss five key ways you can maximize operations and reduce tech trouble in these environments. By the end, you’ll feel confident that you can empower even the most introverted person to contribute. Otherwise, you’re missing out on the incredible minds who are too shy — or just don’t know how — to join in.

Spotlight

This white paper is a road map for ensuring success in your UCC (unified communications and collaboration) spaces. We’ll discuss five key ways you can maximize operations and reduce tech trouble in these environments. By the end, you’ll feel confident that you can empower even the most introverted person to contribute. Otherwise, you’re missing out on the incredible minds who are too shy — or just don’t know how — to join in.

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EDUCATION TECHNOLOGY

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TalentSprint | July 25, 2022

TalentSprint, a global edtech company and a market leader in transformational deeptech programs, today announced a multi-year and multi-program partnership with Carnegie Mellon University’s (CMU) School of Computer Science (SCS), Executive & Professional Education – World’s #1 Computer Science School. The Advanced Certificate Program in DevOps, first to be launched under this partnership, aims at fulfilling a growing need for new-age DevOps professionals in the APAC region. Most impacted by digital transformation, industries like BFSI, IT, Healthcare, Retail, Media and Entertainment are creating enormous opportunities for DevOps specialists globally. These market dynamics positions CMU’s well-researched Advanced Certificate Program in DevOps as a significant addition in the upskilling journey of the aspirants. “This partnership has further strengthened our presence in the United States. CMU’s School of Computer Science is iconic and this association is a validation of our success in path-breaking programs with leading institutes and global tech organizations in India and the US. Our first program with CMU aims at creating world-class DevOps specialists.” Santanu Paul, CEO of TalentSprint. Commenting on the launch, Ram Konduru, Director of Executive Education at the CMU-SCS said, “We were exploring international markets like India, Middle East and Southeast Asian markets that have a growing demand for tech professionals. We wanted to collaborate with a serious edtech company that could align with our core competencies and help us reach out to new geographies. We are happy to announce our association with TalentSprint and launch our first program in DevOps.” The Advanced Certificate Program in DevOps will help participants with in-depth knowledge of various new-age DevOps tools. The 6-month high-impact program, designed and taught by the expert faculty of CMU-SCS, who are globally renowned thought leaders in DevOps such as Professor Len Bass, and research scientists Hasan Yassar and Joseph Yankel. On successful completion, participants will receive CMU’s globally recognized certificate. The program will be delivered on TalentSprint’s digital platform ipearl.ai. Applications for this program are open.

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CORPORATE EDUCATION AND TRAINING, TALENT DEVELOPMENT

Prescient Launches Its Learning and Development Platform

Prescient | September 16, 2022

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ONLINE EDUCATION

Verizon Innovative Learning STEM Achievers offers free enrichment program

Verizon | July 07, 2022

Verizon Innovative Learning, the company’s signature education initiative focused on addressing barriers to digital inclusion for over a decade, is rebranding and expanding its free project-based enrichment program to Verizon Innovative Learning STEM Achievers. Previously known as two separate programs, Young Men of Color and Young Rural Women, the new Verizon Innovative Learning STEM Achievers program, in partnership with the National Association for Community College Entrepreneurship (NACCE), will offer a more inclusive learning environment while still providing middle school students in under-resourced communities with the opportunity to discover new problem-solving skills and gain exposure to career opportunities in STEM fields. Verizon Innovative Learning STEM Achievers will continue to offer an engaging, hands-on experience developed to enrich learning through design thinking, 3D printing, augmented reality, social entrepreneurship and mentorship. Developed by Arizona State University's Edson Entrepreneurship + Innovation Institute, the program’s interactive curriculum centers around four educational tracks: immersive media, smart solutions, digital product innovations and artificial intelligence. The year-round program, which begins with a summer immersion experience and then hosts one STEM Enrichment day in the fall and spring for new and returning students, is held in partnership with a total of 44 Historically Black Colleges and Universities (HBCUs), Hispanic-Serving Institutions (HSIs) and community colleges across the country. “One of the core tenets of Verizon Innovative Learning STEM Achievers is to expose students to emerging technologies and teach students to think broadly about how technology can make the world a better place. “Since the program launched in 2017, we’ve been able to reach thousands of students, not only through hands-on learning, but through mentorships that help to deepen their connection to STEM, as well as build their confidence and leadership skills outside of the classroom.” Alex Servello, Director of Corporate Social Responsibility at Verizon “Being a part of Verizon Innovative Learning STEM Achievers gave me access to amazing technology, which allowed me to enhance my skills in STEM and build upon my innate design capabilities,” said Christopher, a 16-year-old student who previously participated in the program at Tuskegee University. “Through the program I also met great new friends and mentors and learned about the latest trends in technology. I enjoyed each day of the program and was always excited to see what new experiences we would engage in next.” Verizon Innovative Learning HQ, next-gen learning for all Students and teachers can also take advantage of Verizon Innovative Learning HQ, Verizon’s new, freely available open access education portal that scales the resources of Verizon Innovative Learning and its decade-long proven approach to integrating technology into the classroom. The portal enables any K-12 educator in the country to access innovative learning apps, professional development and tailored lesson plans to empower students to be social innovators and to create solutions using emerging tech. Citizen Verizon: Goal to 10 million youths with digital skills training These efforts are all part of Citizen Verizon, the company’s responsible business plan for economic, environmental, and social advancement. Citizen Verizon empowers Verizon to deliver on its mission to move the world forward through action by expanding digital access and resources, protecting the climate, and ensuring people have the skills needed for jobs of the future. Through Citizen Verizon, and the key pillar of Digital Inclusion, the company's responsible business goals include providing 10 million youths with digital skills training by 2030. To learn more about Verizon's digital inclusion efforts, visit CitizenVerizon.com. To sign up for Verizon Innovative Learning STEM Achievers, visit https://naccemeets.nacce.com/vil/home. Verizon Communications Inc. was formed on June 30, 2000 and is one of the world’s leading providers of technology and communications services. Headquartered in New York City and with a presence around the world, Verizon generated revenues of $133.6 billion in 2021. The company offers data, video and voice services and solutions on its award-winning networks and platforms, delivering on customers’ demand for mobility, reliable network connectivity, security and control.

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