Health Insurance

We can resume health insurance terminology as the 'provider' as we can say it may be clinic, doctor, hospital, laboratory, pharmacy or health care practitioner.  The person with the health insurance coverage's, 'insured' is the owner of the health insurance policy.

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses.  Besides that, depending on the type of health insurance coverage either the insured pays costs out-of-pocket and is then reimbursed or the insurer makes payments directly to the provider. Health insurance is commonly included in employer benefit packages and seen as an employment perk in USA.

In some countries, health care coverage is provided by the state and is seen as every citizen's right, such as Canada and United Kingdom. It is classed along with public education, firefighters, street lighting, public road networks, and police as a part of a public service for the nation.

In country like USA, we can see health insurance coverage is somewhat different from the others country.  Health insurance is done by everyone, with the exception of some groups, such as veterans, elderly and/or disabled people. It is the individual's responsibility to be insured. Most recently, Obama Administration has introduced laws making it mandatory for everybody to have health insurance, obviously there are penalties for those who fail to have a policy of some kind.

Everybody at some time in their life and often on many occasions surely will need some kind of medical attention and treatment. Whenever medical care is required, mostly the patient should be able to concentrate on getting better with their health, rather than wondering whether he/she has got the resources to pay for all the bills. Most recently, This view is becoming more commonly held in nearly all the developed nations.

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Best Insurance Company

Today, everyone wants theirs future to be secured. There are many financial companies which provide a variety of services to the customers. Nonetheless, some of the biggest financial services which individuals seek is insurance for their families, life and even for their property.

 Based on the market capitalization Zurich is a global Swiss insurance company which is located in headquartered Zurich, Switzerland. The company is Switzerland’s largest insurer with minimum three core business segments:

 General Insurance

, Global Life and

 Farmers Management Services.

 Through General Insurance the group is providing motor, home and commercial products and services for individuals. And, Global Life provides wide range of protection and savings propositions to individual and corporate customers.  Additionally, Farmers provide non-claims administrative and management services for the Farmers Exchanges. This company was ranked 84 in the Global 2000 list for 2015.

It is employing around 57000 people, in more than 170 countries and territories across the globe. It has global network of subsidiaries and offices in Europe, Asia, North America, Asian pacific and Latin America, and Middle East and other markets. Its strategy for 2014-16 is designed to deliver profitable, sustainable growth in a changing and more competitive business environment. Zurich Group is focusing more closely on the markets and consumer segments where the group has competitive edge.

 Till date Net Profit (FY): $4 Billion

 Till date Revenues (FY): $72 Billion

 Till date Market Cap : $45.4 Billion

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Binghamton University

Binghamton University opened its doors as Triple Cities College in 1946 to serve the needs of local veterans returning from service in World War II. It was originally located in Endicott, which was five miles west of the present campus, and the fledgling school was a branch of Syracuse University. Finally, in 1965, it was formally designated the State University of New York at Binghamton. It was adopted as our informal name in 1992.

 Today, people all over the world are learning what New Yorkers have known for decades and the Binghamton University is one of America's premier public universities

 Flow of the international students is from  various locations as varied as Turkey, Nepal, Australia, France, Morocco, Germany and Italy. The school offers support for incoming exchange and dual-diploma students. It provides special academic advising for international students. Along a number of study abroad opportunities and a number of study abroad opportunities. It is Listed among the elite public universities in the US even the out-of-state tuition without scholarships isn’t too expensive. It has lot of exchange agreements with overseas universities and offers a special orientation session for these students.

Tuition: $8,144 (In-state) $18,464 (Out-of-state)

Average tuition minus institutional grants/scholarships: $11,535

Flow Percentage of International Students: 11%

Undergraduate: 13,412

Graduate students: 3,283

Average SAT scores range: 1773-205

Average ACT scores range: 27-30

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Types of Life Insurance Policies

Insurance companies have present different levels of policies to suit different needs of public. At the time of confirming to buy a policy, a person must know firstly the amount of premium he will have to pay, secondly time span of insurance, and thirdly.sum insured with or without bonus. The following are the types of life insurance policies:

1) Whole life policy

2) Endowment policy

3) Term policy

4) Other life policies

Types Of Life Insurance Policies

1) Whole Life policy

           In this type of policy the insured have to pay premium throughout his life or up to limited years. The amount is paid to the nominee of the insured on his death. This done for the protection of nominee's family. The rate of premium in the policy is low as compared to other policies of life insurance because amount is payable in the whole life. This type of policy has no financial gain to insured. It can be further classified into following types:

Ordinary whole life policy

 Limited Premium whole life policy

 Single Premium whole life policy

2) Endowment Policy

This type of policy is issued for a fixed specific period of time. Insured is payable to the policyholder on the maturity of the policy. Endowment policy is very popular because it makes provision for the security of the family. The following are the types of this policy:

•  Ordinary endowment policy
• Pure endowment policy
•  Double Endowment policy
•  Deferred endowment policy.

3) Term Policy

     It's a very old policy which is for 1, 2, 5 or 10 years. The money is paid back only after the death of the nominee. If the nominee survives more than the insured time than company will not pay back the amount. We have to make knowledge that it's neither saving nor investment. It has following types:

•  Straight Term policy
• Convertible Term Policy
• Decreasing Term Policy
• Renewal Term Policy

4) Other Life Policies

Some of the types of life insurance are as follows:

•  Single Premium Insurance
• Joint Life Policy
• Group Life Insurance
• Multipurpose Insurance Policy

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Concept of insurance

Human beings are exposed to different kinds of risks, Such as loss of property by fire, untimely death, and loss in accidents. They are uncertain. It is impossible to eliminate financial loss arising from an uncertain event with the help of insurance. Thus, insurance is a financial mechanism to reduce or eliminate the financial loss due to risk .However, it can neither eliminate nor reduce the risk, but only provides protection against them .Insurance is a way of sharing a risk among the peoples.

                     The nature of insurance can be expressed clearly by an example. Suppose there are 20,000 houses in a village each values Rs: 200000. On the basis of experience it is ascertained that four houses are destroyed by fire each year. Thus, it is clear that fire will catch in four houses next year. But, it cannot be ascertained as to which house will catch house. Nobody knows who those unfortunate individuals will be. One cannot foretell when and who would suffer loss. But everyone is afraid of the risk to which they are exposed. That is, everyone is likely to suffer from a loss of Rs: 200000 which is a big burden for an individual. They can find a method of providing protection against this risk by establishing a common fund to which each contributes Rs: 80 very years. The four unfortunate householders can be compensated by the created fund. It is in this cooperative measures that insurance originated. In fact, the most important from of risk transfer is insurance.

               Insurance protects a person and his dependents from loss arising from future uncertain events such as fire, flood, accidents, early death, etc. It should be remembered that the loss cannot be eliminated by insurance but it spreads over a large number of persons. The function of insurance is to distribute the loss of few persons into many persons. We have to make the idea that the insurance is a process of sharing risks.

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University of Cambridge

The University of Cambridge was founded in 1209 and is a collegiate public research university in Cambridge, The Great Britain (England). .It is the second-oldest university in the English-speaking world and the world's fourth-oldest surviving university. After the dispute with townsfolk, it grew out of an association of scholars who left the University of Oxford.

Including 31 constituent colleges and over 100 academic departments Cambridge was formed. The colleges are self-governing institutions founded as integral parts of the university. Its university occupies buildings throughout the town, and many of which are of historical importance. The university is closely linked with the development of the high-tech business cluster known as silicon fen. The central university and colleges have a combined aptitude of around £4.9 billion which is the largest of any university outside the United States

Beside academic studies approximately student life is centered on the colleges and numerous pan-university artistic activities and in different sports clubs and societies. Students learning involve lectures and laboratory sessions organized by departments and by college supervisions provided. Cambridge University operates scientific museums, Arts, and culture including the botanic garden and Fitzwilliam Museum. It holds around 15 million books out of which 8 million books are in its library which is a legal deposit library. Its printing press is the oldest publishing house and second largest university printing press.

 According to University Ranking 2014-15 by Academic Performance (URAP), it is the 2nd university in UK and coming second to Oxford, and listed as 5th top university in the world. It has many notable alumni, politicians, economists, actors including several eminent mathematicians, scientists, writers, philosophers, and 90 Nobel laureates who have been affiliated with it.

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New England College of Business and Finance

 With the Motto of Integrity, Leadership and knowledge, The New England College of Business (NECB) was established in 1909 Boston, Massachusetts.  The NECB is a private and for-benefit online school. NECB is associates with undergrad and graduate degrees in International business, science related field, Business Administration and Digital Marketing. Thousands of students are joining the distance learning program. The platform of distance learning has made NECB a special college.

NECB was later incorporated by the Commonwealth of Massachusetts in 1914 but at first it was originally founded as the American Banking Institute (ABI) in 1909. With the view to offer a degree associate’s in business administration ABI received their degree-granting authority in 1979 from the Board of Regents of Higher Education in Massachusetts. From the New England Association of Schools and College In 1985, ABI received full college accreditation – the only bank sponsored educational institution in America to become accredited as a degree granting college.  At last with the association of bank members in 1988, and finally ABI expanded throughout New England and later voted to change the name to the New England Banking Institute.

Awards and honors

•  It is their honor to achieve U.S. News and World Report: Best online programs in MBA programs 2015
•  It is NECB honor to achieve 2014 Gold Awards for Best practices for Distance learning programming honored by U.S. Distance learning association
• It will always be Glad of NECB to achieve creative use of technology award, handled by Association for continuing Higher education.
• t is their pride to achieve Brandon hall group silver award for excellence in the best learning team category 2014

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University of Toronto

University of Toronto was established in 1827, and it is one of the strongest research and teaching faculties in North America and presenting top students at all levels with an intellectual environment unmatched in depth and breadth on any other Canadian campus. It has been committed to be an internationally significant public research university along with undergraduate, professional programs of excellent quality and graduate programs. All in all, it is determined to build on its past achievements and so enhance its research and teaching in many various field. The University anticipates that it will remain a large university throughout the country. It will continue to exploit the advantages of size by encouraging scholarship in a wide range of disciplines. Most of the fields include like, arts, humanities, social science and sciences fields. It will continue to value its inheritance of colleges and federated universities that will give many students an institutional home within its university. Additionally, it will strive to make its campuses attractive settings for scholarly activity. The University of Toronto is dedicated to fostering an academic community in which the learning and scholarship of every member may flourish and bloom with vigilant protection for individual human rights, equity and justice and a resolute commitment to the principles of equal opportunity.Admission qualification

If you are an international student under the age of 18 then you may be asked by Immigration Canada to find a Canadian citizen to act as a guardian. It is your family who is responsible for satisfying this requirement. Additionally, all applicants who are competitive for admission to the University of Toronto are among the top third of their class who are Canadian undergraduate. For all international students whose native language is not English they should submit the proof of English language proficiency i.e. TOEFL score no less than 80.

Scholarship and financial aid

The University of Toronto has comprehensive scholarship and financial aid programs that provide financial support and recognition for outstanding academic achievement at different levels of study.  University of Toronto with its faculties and colleges offers more than 3000 admission scholarship and more than 4800 course scholarship each financial year.  Along with, it has been providing you with two assurances regarding financial support based on; one's need and the other primarily based on academic merit. Its Policy on Student Financial Support states that no student admitted to a program at the University of Toronto will be unable to enroll or complete the program because they do not have sufficient funds. This commitment to students who are Canadian citizens and permanent residents or being protected persons means that the University will supplement the funding provided by government sources. It has been a great support for Canadian students to graduate.

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Duke University

Duke University is a personal analysis university placed in Durham in North geographical region. It is supported by Methodists and Quakers at intervals the modern town of Trinity in 1838 and the varsity rapt to Durham in 1892. Additionally, in 1924, with tobacco and power man of affairs James B. Duke established and The Duke Endowment at that amount the institution changed its name to honor his deceased father as Washington Duke.

Academic excellence: academically rigorous and strongly supportive.

84% of its graduate goes on to pursue advanced degree

47% of its students earn two or more than two degrees.

85 % of medical student's acceptance rate, more than twice the national average.

2000 comfy seats in its library.

The university’s field spans over eight  region, widespread in 600 acres (35 km^2) on three contiguous campuses in Durham in addition as a marine research laboratory in Beaufort. Its main field designed principally by African yank designer politician white aspen incorporates style of design with the 210-foot (64 m) Duke Chapel at the campus’ center and highest purpose of elevation. Additionally, the freshmen-populated East field contains Georgian-style style, and while the foremost Gothic-style West field.5 miles way are adjacent to the center.

 Duke utilizes a semester-based academic calendar. It is ranking in the 2015 edition of Best Colleges is National Universities, 8. Its tuition and fees are $47,488 (2014-15).

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University of California- Los angles

With the motto of "let light be there" University of California Los Angeles was founded in 1919. It is a public research university located in the Westwood neighborhood of Los angles California. It became the University of California Southern Branch in 1927, which it lead to makes the second oldest undergraduate campus of the ten campus system after original University of California campus at Berkeley.

For nearly 100 years, it has been a pioneer, and preserving through impossibility and turning the futile into the attainable. It is their pride that it has received and awarded in following;

13 Novel laureates

12 Rhodes scholars

112 NCCA title

250 Olympic medals

12 MacArthur fellows

3 Pulitzer prize winner.

With more than 5,000 courses in 109 academic departments, it offers 125 majors, and 70 percent of undergraduate classes have 30 or fewer students, maximizing personal engagement with internationally renowned faculty. Its faculty includes Nobel Prize winners along with Fulbright scholars and a fields Medal recipient. Classes are stimulating and coursework is challenging.

   

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California Institute of Technology (Caltech)

  California Institute of technology was founded as Throop University in 1891 in Pasadena, CA, and renamed the California Institute of Technology (Caltech) in 1920.It is education institution highly focused in science and engineering research. It is home to approximately 2,300 students and 300 faculties. It has boasts 31 Nobel laureates among its past and current faculty and alumni.  It has awarded National Medal of Science recipients58, National Medal of Technology recipients 13 and additionally, it has Memberships in the National Academies 111. It manages the Jet Propulsion Laboratory (JPL) for NASA. Additionally, it owns and operates a global network of astronomical observatories and research facilities. It has ranked in the 1st position marking it as world top universities (2014-15).

                       

 The main mission of the California Institute of Technology is to expand human knowledge and benefit to the society through research integrated with education. It investigates the most challenging, interdisciplinary atmosphere, and fundamental problems in science and technology and in a singularly collegian. It has been educating outstanding students to become creative members of society.

Academic divisions

• Biology & Biological Engineering
• Chemistry & Chemical Engineering
• Engineering & Applied Science
• Geological & Planetary Sciences
• Humanities & Social Sciences Physics
• Mathematics & Astronomy

GLOBAL FACILITIES

•  It has 19 spacecraft and eight instruments employed in active missions
• The recently launched missions include the Mars Science Laboratory, Aquarius and Juno.
• Now, more than 100 research and mission collaborations with Cal-tech faculty
• It has been internationally recognized for excellence in geophysical research.
• It is providing research centers for seismic studies, high-performance computing, and mineral physics.
•  It has been providing as a source for earthquake information in Southern California and around the world.

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New York University (NYU)

New York University (NYU) is the largest private and nonsectarian yank analysis school placed in Empire State city.  Its basic grounds are found at Village in Lower Manhattan it is established in 1831, it is one in each of the biggest personal charitable foundations of American advanced education located at top of the New York City. New York University academic reputation is very special in the legal, business, commerce, economics, arts and film. The Faculty of law has been ranked as the country's 5 1 in consecutive yearly by the U.S. New York University is very famous especially in law, business, commerce, economics, computer science, acting and film. NYU is the largest private research university in America and now a university with a global influence like no other. There are three degree-granting portal campuses comprise NYU's global network the first is one in the heart of New York City, and  second in Abu Dhabi, finally third in Shanghai.

More than 4,000 courses are offered in hundreds of degree and non-degree programs. Exploring to find information on undergraduate or graduate admissions, and as well as information on non-degree programs for visiting students who may simply want to spend may it be a spring, summer, fall, or winter on NYU universities.

INTERNATIONAL STUDENTS


NYU warmly welcomes applications for admission from all over the world. International students is  defined by NYU as students who do not hold citizenship or permanent residency status in the United States, and comprise roughly 16% of the most recent entering class on our New York campus. Additionally however, there are important notes for international students to consider when applying for admission:
• Financial aid to international students New York campus is only available for incoming freshmen. In case, If offered admission, the international students will be required to submit a certification of finances demonstrating that they will be able to fund their four years of study through a combination of their own funds and any financial assistance we may provide. International Students should not submit a certification of finances or bank statements until after they are offered admission.
• All applicants regardless of citizenship should must apply online. International Students outside the U.S. who must send application documents (e.g. transcripts ,diplomas, etc.) in hardcopy form are strongly encouraged to do so well in advance of our stated application deadlines.
• NYU does not consider undergraduate admissions applications from students who already possess a bachelor's degree in any academic area, and with the exception of Nursing and all majors offered through the School of Engineering
• International students should required to submit TOEFL,  PTE or IELTS  and Academic results as proof of English language proficiency

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Princeton University

Princeton University was founded in 1746 and is really exclusive institution. It has an overall total basic enrolment associated with 8014(2013) and its establishing will be suburban and along with the campus dimensions will be approximately 1000 acres. Its ranking inside the 2014 version associated with Ideal Institutions will be Nation's Universities, ranking 1stposition.Its tuition charges is$40, 170 (2013-14).

Princeton University's is the fourth-oldest college or university in the states which is located in NJ-new jersey your sounds community associated with Princeton. Inside the walls associated with it is historical ivy-covered campus, it delivers numerous activities.  Additionally, the actual Princeton Tigers, students from the Ivy League, always are popular because of their consistently sturdy men's and also females' lacrosse teams. Princeton's unofficial slogan has been recorded as 'In the nation's Assistance and also inside the Assistance of most International locations and inches articulates for the university's responsibility to be able to group services'. 

It has an excellence overflow of international students.

Application requirement for international students to enroll,

 Must have a completed application form. 

 Must have Princeton's writing supplement to the Common Application

 Must have Princeton’s Supplement to the Universal College Application

 Must have two teacher recommendations.

 Must have aSchool Report (SR) and transcript

 Must have a mid-year school report.

 Must have SAT Reasoning Test or ACT.

 Must have SAT Subject Tests.

 Must have TOEFL scores but  You are not required to take the TOEFL if English is your native language.  Additionally, if you have spent at least three years at a secondary school where English is the primary language of instruction.

Cost and financial aids:

 Princeton provides approximately 60% of students receive financial aid

 Princeton provides No Loans

 Princeton provides an average grant of over $40,000

 Princeton provides 75% of student's graduate debt free

 Princeton provides $131 million grants to student in 2014-15.

Princeton provides a reasonable expected contribution from students and their parents

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Massachusetts Institute of Technology(MIT)

The soul of Massachusetts Institute of Technology is research, impelling information and teaches understudies in science, designing and art. For more than 150 years, it has brought together teaching, scientific studies to produce a series of advancement and engineering. Those, many of advancement are world class challenge and it has marked its advanced study in technology such as, genetic engineering and arts. It seeks to develop each member of MIT community the ability and passion to work wisely, effectively and creatively for the betterment of humankind.

Since after its incorporation in 1861, it has upheld its abiding commitment to advanced knowledge and educates students in technology, science and other related areas of scholarship. Along with it has culture of inclusion that supports and learns from the diverse skill and perspectives that exist in its community and in society. Massachusetts supports student growth by providing opportunities to bond, expand and grow and along with step outside a given worldview in order to appreciate diverse life experience.

Application Deadlines

	U.S.	International
Fall Semester	May 1	May 1
Spring Semester	November 1	November 1

Note:  Always Spring semesters start in February and fall semesters start in September.

Tuition and Fees

At first $75.00 non-refundable application fee should be deposit. It can be either send through check or money order payable to MIT Advanced Study Program

 - It has full-time tuition of $25,164 (covering between 36-48 units/credits) for each semester for 2014-2015

 - If you are accepted into the program, then tuition is due upon receipt of your invoice

It provides the following degree,

Bachelor of Science (SB)
Master of Architecture (MArch)
Master of Business Administration (MBA)
Master in City Planning (MCP) 
Master of Engineering (MEng)
Master of Finance (MFin)
Master of Science (SM)
Engineer (each degree designates the field in which it is awarded)
Doctor of Philosophy (PhD)
Doctor of Science (ScD)

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Harvard University

It is the first intuition of higher learning established in the united stated in 1636.It has Founded in 1636.Harvard University celebrates its  375th anniversary through a year-long celebration featuring a range  of activities. Such as, academic events, lectures, symposia and exhibits from 2011-2012 and it is looking toward the future. Harvard University is on the cutting edge of exploring new educational platforms with the foundation of the MOOC and is co-founded with the Massachusetts Institute of Technology. It offers university-level classes online with no charge and is free of cost. Harvard University  has pioneered everything from organ transplant surgery to the catcher’s mask.
 It invests $166 million in financial aid per year and 70% increased from 2007.It it the pride of the colleges because in total, Harvard’s faculty and alumni have won 46 Nobel Prizes .Harvard University's list of notable attendees includes U.S. President Barrack Obama, along with Microsoft founder Bill Gates and Facebook cofounder Mark Zuckerberg,. Additionally,actress Natalie Portman along with U.N. Secretary General Ban Ki-Moon and NBA star Jeremy LinIt is true that,currently, Harvard has around 10,300 undergraduate students and approximately 17,000 graduate students. Its teams are known as The Crimson as itcompetes in NCAA Division I-AA athletics. Power Woman Drew Gilpin Faust was FORBES No. 43 current president of the university.
Let's have a glance at once about Harvard University;
• Current Student Population: 27,400
• Current Undergraduate Population:10,300
• Current Student to Faculty Ratioa: 7
• Current Total Annual Costc:$57,070
• Current In-State Tuitionc: $40,000
• Current Out-of-State Tuitionc:$40,000
• Current Percent on Financial Aidd:81.0%
• Current Percent Admittede:6.0%
• Current SAT Composite Rangef: 1400-1600
• Current Forbes Financial Grade: A+

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northeast Wisconsin Technical college (greenway, Wisconsin)

It is a public Institution/ Non-Profit NWTC  and is a 2-year technical/community college located in green Bay, Wisconsin and is the third largest member of the Wisconsin Technical College System. Approximately 42,000 individuals come to NWTC annually to take advantage of over 100 degree, diploma, and apprenticeship programs, as well as more than 80 certificate options. Approximately 9,900 undergraduate students take courses in Business & information technology, health Studies, public Safety, and Trades & Engineering Technologies. Students can also transfer credits to University of Wisconsin institutions and other four-year colleges and universities. The College is accredited by the higher Learning Commission north Central Association. Each year, NWTC enrolls numerous international students from countries around the world. At NWtC’s main campus in green Bay, international students enjoy a balance between city living and scenic natural resources. They enjoy 4-seasons, outdoor activities in the beautiful Midwest region, surrounded by lakes, forests, and farmland. They experience real American culture and are welcome members of the community. With international students paying the same tuition rates as American students from outside the state of Wisconsin, NWTC is one of the more affordable options for international students studying in the United States. Full-time tuition for one year is less that $4,900 per year. Additionally, F-1 students are eligible for the NWTC Foundation Scholarship Awards, generally ranging from $500 - $1500 per semester.

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Shoreline community college (Shoreline, Washington)

It is a Public Institution/ Non-Profit Established in 1964, Shoreline Community College offers over 100 excellent academic and professional/technical programs to meet the lifelong learning needs of the community, dedicated faculty and staff is committed to the educational success of all students. It is almost Located 10 miles north of downtown Seattle, Shoreline. It is one of the most strikingly beautiful college campuses in Washington. Comparing among those native colleges, the campus has a brilliant of sea colors almost any season but especially during spring, summer and fall, when many flowering plants are in bloom. It has a strong reputation of providing excellence in education, quality student services and an affordable two-year degree program that allows for easy transfer to a four-year university. Every year, our graduates transfer to top universities across the United States including the University of Washington, University of Indiana, Michigan University, and University of Purdue, California University Berkeley University, California University, University of Los Angeles, Southern California University, York University of New York and many more.

At Shoreline, we provide each student with a high degree of personal attention. From the moment you step on campus, we have International Education staff and student leaders available to welcome you. Our award-winning International Student Orientation Program is designed to help answer your questions, as well as acclimate you to college and the beautiful city of Seattle.

Many students earn a two-year associate’s degree at Shoreline and then transfer directly to a four-year university to complete their remaining two years of study (2 years at Shoreline + 2 years at a university = bachelor’s degree). We also offer the option to complete your high school degree in America while you are getting your first two years of university. There are many advantages to attending Shoreline Community College, especially for international students include the following:

 • A comprehensive ESL program with six levels,

 • Individual assistance with academic and career planning,

 • Workshops with detailed information specifically designed for international students,

 • Expert help with immigration information and procedures, and

 • Social activities designed to help you make friends and have fun!

Nearly 10,000 students attend Shoreline Community College. Of this number, about 900 are international students representing over 40 different countries.

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State University of new york college. (Plattsburgh, new york)

State University of new york college at Plattsburgh (Plattsburgh, new york), it is a  public Institution/ Non-Profit The State University of New York (SUNY) College at Plattsburgh is a public, nationally accredited institution in northern New York State. SUNY Plattsburgh provides a hands-on education in a collaborative and friendly environment to students from over 60 countries. The university’s commitment to academic excellence is evident in its diverse academic programs, distinguished faculty, and cutting-edge research facilities. SUNY Plattsburgh offers bachelor’s degrees in more than 60 academic majors.

 Many of our international students are enrolled in one or more of the 11 programs offered in our AACSB-accredited School of Business and Economics. Programs in biology, chemistry, communication, the arts, and computer science are also popular. A distinguishing feature of SUNY Plattsburgh is the importance we place on practical-learning opportunities such as internships, clinical service, practicum placements, and on/off campus research. To complement these academic opportunities, our campus offers a vibrant array of student-run clubs and organizations, all of which foster a culture of inclusion, involvement, and exploration among our students. 

The setting of the SUNY Plattsburgh experience is the beautiful Lake Champlain region of New York, which features rugged mountains, beautiful waterways, and easy access to diverse and thriving cities such as Montreal, Canada and Burlington, Vermont. however, the college’s learning opportunities are certainly not limited to this region. Plattsburgh students can fulfill their degree requirements on every continent in the world through hundreds of different study abroad and exchange programs. All of these features make a SUNY Plattsburgh degree an exceptionally valuable one, particularly for international students, who are eligible for both need-based and merit-based scholarships that can cover up to one third of total enrollment costs. This affordable excellence has helped SUNY Plattsburgh become known around the world as a top choice for students seeking a high-value education

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North Dakota State University (Fargo, north dakota)

North Dakota State University (Fargo, north dakota)

Public Institution Emporia State University (ESU) was founded in 1863 as the first Teachers College of Kansas. More than 150 years later, ESU is an accredited, comprehensive university with over 6,000 students. Through the School of Business, Liberal Arts & Sciences, the Teachers College, and the School of Library and Information Management students can choose from over 100 academic programs. By studying in the “heart of America” international students are culturally immersed through interactions with American students and community members who enjoy providing support to international students. We are proud to provide international students with opportunities for merit, talent, country based, and athletic scholarships. Currently we have students from 53 countries represented on our campus. North Dakota State University has approximately 14,747 students in more than 100 undergraduate programs, 86 master’s degree programs, and 50 doctoral programs. As a land-grant institution, the university’s educational mission combines academic experiences in the field of arts,  social sciences with professional preparation in the sciences, humanities, mathematics, Agricultural science, engineering, architecture, business, photography,education, pharmacy, and human development and family science.

NDSU also offers the Intensive English Language Program (IELP) each fall, spring, and summer term to students who have completed a minimum of secondary school and wish to pursue higher education or improve English proficiency. Features of the IELP include: native English- speaking instructors, individual classroom instruction, and one- on-one tutoring program, access to all university activities and facilities, and option for conditional admission to an academic program.

NDSU is proud to offer over 15 cultural associations, 300 student organizations, individual academic advising and tutoring, career planning services, and a fitness center for all students as well. Global outreach (go) Ambassadors— current NDSU international and U.S. students—are also available to answer any non-admission related questions for prospective and current international students. Ambassadors share their experiences at NDSU online through travel journals and live video chats about activities and organizations, campus life and briefing how hard is to adjust to life in the U.S. and American culture and traditions.

NDSU is located in Fargo, North Dakota—a community of approximately 200,000 people. The community is a regional hub for arts, culture and recreation. Fargo combines the amenities of an urban area—a vibrant multicultural atmosphere, thriving arts community, numerous sporting events and concerts, many places to visit and shop—with the benefits of a small town—low crime and family-friendly neighborhoods.

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Luther College (Decorah, Iowa)

 It is a private Institution / Non-Profit and was Founded in 1861. It is four-year, university- level, and residential institution of 2,400 students. It is one of the most outstanding nationally-ranked colleges in the American Midwest. More than 60 majors, minors, and pre-professional programs leading to the Bachelor of Arts degree it provides.  It provides A Phi Beta Kappa chapter which is the most prestigious academic honors society found on only 10 percent of American college and university campuses—attests the academic excellence of the college. It was originally founded by Norwegian immigrants—and named for the 16th-century reformer, a Great Martin Luther—the college is affiliated with the Lutheran Church and welcomes students of all beliefs and backgrounds to its 1,000-acre (405-hectare) campus. Currently Luther welcomes nearly 150 international students (6 percent of the student population) from over 60 different countries to campus each year.  The Luther College is located in the Iowa state, Decorah a picturesque community of nearly energetic   8,500 people situated in the American heartland. Decorah is a true college town—friendly, cultured, eclectic, and safe. It’s the perfect place to spend four years.

At Luther, the liberal arts are the foundation on which students build their education. Following a tradition that dates back to the earliest universities, students broaden their knowledge of the world by studying the social and natural sciences, languages and literature, religion and philosophy, mathematics, and the fine arts. Luther students develop a breadth of knowledge through the college’s general requirements and a depth of knowledge through a chosen major. It mostly includes accounting, computer science, environmental studies business management, biology, chemistry, mathematics, nursing, physics and international studies.

Each year, hundreds of Luther students expand their worldviews—literally—through international study. Over 65 percent of students study abroad on yearlong, semester, January-term, or summer study experiences prior to graduation, ranking Luther among the top baccalaureate colleges and universities in the nation.

Life in the classroom is coupled with a very active life outside the classroom. Additionally, Students can choose to participate in one or more of over 120 different student organizations including music ensembles, athletic teams, volunteer service groups, political and advocacy associations, academic honors societies, and cultural and social groups.

In terms of athletics, over 20 percent of students participate in varsity athletics in 10 different sports for men and 9 for women. Luther athletes compete and win in one of the most competitive NCAA Division III conferences in the nation.

Each year, Luther awards a significant amount of scholarships and financial aid to international students. A typical academic award usually combines scholarships and grant money (which does not have to be repaid) with on-campus work (guaranteed to any international student who wishes to work on campus). The average amount of scholarships/financial aid awarded in 2014 was $27,000; the average work stipend for 12-13 hours of work per week was $3,000.

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