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Scared of Student Loans 😱💰 

Parth Vijayvergiya
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Learn everything about Studying in the United States 🇺🇸 in India’s biggest study tour. I am coming to the following cities.
Hyderabad - April 15
Bengaluru - April 16
Pune - April 22
Mumbai - April 23
Register here; seats are limited! - linktr.ee/part...
P.S. We are also welcoming parents this time. Please register for your parent if they plan to join you 💵Money is the biggest hurdle and the motivation when it comes to studying abroad. Here are my few tips from the mistakes I made when I accrued $50,000 in debt. ⬇️
1️⃣ Follow @parthvijayvergiya because I post a lot of content about studying abroad.
2️⃣ Taking loan is not a bad thing if you understand how to pay the loan back. Understand all the loan terms like interest rates, moratorium period, APR etc. Understanding these will help you get the best deal.
3️⃣ A lot of times students focus on part time jobs more than studying. Even though part time jobs are great they shouldn’t affect your education. You are paying a lot and you want to make sure that you make the best use of it. Focus on studies and getting an internship. Working 10hrs a week is the ideal if you can manage more than that, there is no harm but there should be a balance.
4️⃣ Once you graduate, don’t send money right after. Save atleast 2 months of rent and living expense and then start paying back your loan. Most bank have 6 months extra payment free period after your graduation. Use atleast 2-3 months of it to save money and then start sending. The money you saved will help cover some unexpected expenses during your stay in the US.
5️⃣ Stressing about debt will not help you at all. Having a plan will. When you are getting a job, see how much your paycheck will be after taxes, have a plan and then go at it. Put your bonuses in your loan as well.
📸 Instagram - / parthvijayvergiya
If you need any help, I have made a Facebook group, if you’d like to join feel free.
MS in US Fall/spring 2021 bit.ly/3rE1guS
Register for the mailing list here 📥 - groups.google....
I send out an email every few weeks about important updates on visa changes, resources which will be useful etc.
Books you will need for GRE & TOEFL 📚 📄
ETS Verbal amzn.to/2q01tHr
ETS mail Guide with CD's amzn.to/2qwldqj
Barron Vocab amzn.to/2ruGBu3
Manhattan 5lb for Quant/maths amzn.to/2qwm4as
Kaplan Power Prep amzn.to/2thKJOA
Official Guide for TOEFL amzn.to/2ueaClq
Princeton Review amzn.to/2thTzfm
All my social media 🗣
📸 Instagram - / parthvijayvergiya
🐤 Twitter - / p_vijayvergiya
💻 Facebook - / parthpopo
🧑‍💻 Linkedin - / parthvijayvergiya
Gear I Use 💻 📸
📷
Canon DSLR -750D/T6I - amzn.to/2md4fuy
Canon G7X - amzn.to/2KBP9O7
GoPro Hero Action Cam - amzn.to/2WHXthQ
Current 📱
Iphone 12 128gb - amzn.to/34MabR7
Other Filming Equipment 🎬
Gorillapad amzn.to/2h6JVGD
Big tripod amzn.to/2h6M4C6
Small tripod amzn.to/2h6IWGp
gradicle.com

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8 сен 2024

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Комментарии : 105   
@sarthaksinha9340
@sarthaksinha9340 Год назад
I took a loan of $36k (including interest), and paid it in 9 months.
@Ben-my1tk
@Ben-my1tk Год назад
Which course?
@Ben-my1tk
@Ben-my1tk Год назад
Was your loan collateral based?
@theadityadeshpande
@theadityadeshpande Год назад
when did you graduate ?
@sarthaksinha9340
@sarthaksinha9340 Год назад
@@Ben-my1tk ms in data science, yes collateral based
@sarthaksinha9340
@sarthaksinha9340 Год назад
@@theadityadeshpande in 2021 april
@rearview8026
@rearview8026 Год назад
No one talks about this, That Competition for H1b has increased and students are going to MS without an idea of what does the lottery and quota means, these days everyone wants to settle in the USA,
@ParthPohankar
@ParthPohankar Год назад
Herd mentality and sharmaji ka beta gaya toh hum bhi jaenge
@chaitanyacssambhara9714
@chaitanyacssambhara9714 Год назад
and did RU-vidrs claim 3 years of optional practical training opt you can pay off your student loan. this is just nonsense. if Americans can't live on 100k why do you think you will? do you want to live in guest house with 20 other Indians 12 Indians sleeping in bedroom eight Indian sleeping in living room? no chance to use the toilet?
@debanikgoswami4834
@debanikgoswami4834 Год назад
​@@chaitanyacssambhara9714 That's why I am thinking about studying in Germany.
@livinghope1561
@livinghope1561 Год назад
​​@@chaitanyacssambhara9714with 100k you can really have a good life in US.. I am in the US and if you think you can't live on 100k then you must be overspending your credit cards... There is so much in US that you have to take care off... Most Americans are smokers, weeds, alcoholics. And no one can save money like that. Not even if you get 200k . .... Don't compare American lifestyle with other Asian or African countries lifestyle. It's totally different. Come to America and you will understand most are after luxurious cars and the more luxury you want the more you gonna spend. People spend here like crazy and they don't even keep a note of any money where it's coming and where it's going..
@livinghope1561
@livinghope1561 Год назад
​​@@debanikgoswami4834you can study in Germany but most Germans have migrated to the US for better opportunities..
@rips14
@rips14 Год назад
Thanks it motivates me. You’re an inspiration. Sometimes all we need is a little encouragement from someone who has experience it. Living proof.
@vivekbamnelkar8068
@vivekbamnelkar8068 Год назад
Hi Parth, You make a valid point Given the current situation there are two main concerns I have: 1. Visa appointment times of 300+ days 2. Sky-high interest rates How should we navigate this?
@tejasparse9053
@tejasparse9053 Месяц назад
Visa appointment is not an issue
@vrushtishah
@vrushtishah Год назад
You are a Great inspiration for a lot of students ! Thanks for the motivation!!
@theadityadeshpande
@theadityadeshpande Год назад
NOT in this economy
@tastyfeast1779
@tastyfeast1779 Год назад
Wow , this is exactly what I wanna hear ❤ I'm so worried abt the loan n being a non-tech too , ur words really motivated me.Thanks😊
@nightowl3x
@nightowl3x Год назад
Thanks man really needed this, i was so anxious about taking a 50lakh loan but now I'm more confident about that
@JMaxx
@JMaxx 6 месяцев назад
were u able to take a 50lakh loan?
@Nipun_Chauhan
@Nipun_Chauhan Год назад
Thanks parth
@poojayadav4793
@poojayadav4793 Год назад
Thanks parth , for motivating me
@freakshow6611
@freakshow6611 Год назад
You are my inspiration ❤❤
@santhireddy1704
@santhireddy1704 Год назад
Thanq for the content😊
@vikaskumarsahni7213
@vikaskumarsahni7213 Год назад
Wish and hope to be continue Sir 💐🙏
@MedicusVishalus
@MedicusVishalus Год назад
That's why Indian VISA are rejected more compared to others
@sumukh007
@sumukh007 Год назад
What?
@MedicusVishalus
@MedicusVishalus Год назад
@@sumukh007 Because Indians after completing education Settle in America That's why the education VISA are also rejected
@sumukh007
@sumukh007 Год назад
@@MedicusVishalus basically every person who studies in the usa does that Indian, Mexican, Chinese etc
@livinghope1561
@livinghope1561 Год назад
​@@MedicusVishaluswhere did you found this information?? Most Indians got student visa in seconds. America issued about 80% plus visas from last two years.. you think that is rejection... You must be out of your mind.
@thecerebrum.
@thecerebrum. Год назад
Pay back loan in yearssss? I thought students pay off loan in after a year since graduation
@Prekal
@Prekal Год назад
I am often motivated by your video sir ❤
@n2201
@n2201 Год назад
If you choose a major like music, drama, or English literature, it may or may not be difficult.
@chaitanyacssambhara9714
@chaitanyacssambhara9714 Год назад
are you claiming if you choose major like computer science you will easily get h-1b? yes or no?
@n2201
@n2201 Год назад
@@chaitanyacssambhara9714 Generally Yes, easier to get H1B for the job that the future employer can prove that they cannot find suitable US citizen
@chaitanyacssambhara9714
@chaitanyacssambhara9714 Год назад
@@n2201 wrong! The employer does not have to prove they can't find an American. That's the loophole. If the Indian has a master's degree from America or the Indian is making over $60,000 a year, American employer doesn't have to prove anything. That's why all the Indians work for 61,000 a year but claim they are highly skilled highly paid but in reality America is littered with cheap Indian labor making $62,750 per year
@n2201
@n2201 Год назад
@@chaitanyacssambhara9714 easy solution is to lookup information about H1B visa
@chaitanyacssambhara9714
@chaitanyacssambhara9714 Год назад
@@n2201 Who are these scientific experts that blame the British for India's problems today? How are you blaming the British Raj for India's poor diet today. How are you blaming the British East India Company for 50 famines in India. There were famines in India before the british. This is all nonsense It's always somebody else's problem for causing diabetes but it's your diet that's high in starch low in protein high in vegetables without protein low in protein and meat. It's your diet that causes diabetes small brain small penis small muscles small heart muscles heart attacks cardiovascular disease dementia it's your diet. Protein is brain food what do you expect you've got the lowest IQ in the world the smallest brains in the world they've even shown that there's a slight correlation, that's probably bigger than we can measure I saw w i o n Palki Sharma udahay reporting on diabetes crisis in india, India ranks at the top of the world for diabetes and she is blaming the British for causing 50 famines in India and blaming the British for the diabetes problem in India today. They can't blame that soil nutrients is down 50% in the last 10 years. Indians can't blame that vegetable protein is down 50% in the last 10 years. Indians can't blame lack of crap rotation for soil nutrients down? Indians can't blame lack of nitrogen replenishment in soil for nutrients down in soil. Indian poor farming techniques is the cause of Indian farming problems and cause of diabetes. Indians don't get enough protein and they will argue argue argue that veg is more healthy diet then meat and protein Rich diet. Indians are so f** ignorant I just can't believe I've just everywhere you turn they say nonsense believe nonsense and any discussion ends up with benchod machod your sister's p** your mother's a**** they just repeat vulgar nasty words nonsensical together. Let me see if I can find that w i o n Palki Sharma nonsense about diabetes
@Mavryck_Tha_Myghty
@Mavryck_Tha_Myghty Год назад
Did he say “most people” are able to pay back their student debt within 5 years. LOL 😂 Thats’s simply not true.
@35mm_DREAM
@35mm_DREAM Год назад
Why ? What's the truth
@neham1378
@neham1378 Год назад
Why?
@souya20
@souya20 3 месяца назад
Indians who aren't able to pay back the loan or find the job, return back to India with no other option.
@las7411
@las7411 3 месяца назад
People just make random videos based on what they hear in other videos for views and clicks but don’t really provide a solution. Take a loan and you can pay it off is not a solution. How is the real question! What are the options and smart moves anyone in high debt and on international visa can take.
@uthinkuknowmeeeme1040
@uthinkuknowmeeeme1040 5 месяцев назад
What if we dont get college placement..?
@vaishanvisogalad
@vaishanvisogalad Год назад
I'm soo scared cause I have seen soo many websites which state that there is no opportunity for the Aerospace students , can u please explain whether an international students can get in into space or Aero industries
@YashM1234
@YashM1234 Год назад
You have to do your own research. Some fields are difficult to find jobs than others. See its always good idea to give GRE 3 times and going to Ambi uni or Mod uni with scholarship, this increases chances of getting job and cutting expenses
@abhinavs4326
@abhinavs4326 2 месяца назад
American Aviation sector doesn't hire foreign graduates because of Security clearance issue so it is better to stay away if I have to be very honest .
@shubhadadomb1617
@shubhadadomb1617 Месяц назад
Hello Parth, would like to connect with you regarding Fall'25 intake. Letme know how we can connect
@drashtisolanki5315
@drashtisolanki5315 5 месяцев назад
Hii parth, Who does wants to pay their laon super quick! But what about lack of job opportunities! In Canada they get part time contract bases jobs and after that contract completion we are sitting idea for months how will we repay loan faster Can you guide us where and how to look for job opportunities
@FeelPheelz
@FeelPheelz 10 месяцев назад
Please I'm interested in looking out for support letter to get my I-20 and pof for visa approval
@saviourjoseph907
@saviourjoseph907 Год назад
Is applying in January for fall batch too late?? Please someone fill me up on this asap 🙏
@nishantsarang9884
@nishantsarang9884 Год назад
Is taking a loan much higher that $50k like around 80k or more for a CS degree is it manageable? Or is it way too much debt
@YashM1234
@YashM1234 Год назад
For CS and ambi/mod Universities, Yes. Rather than taking huge loans, give GRE 3 times and increase chances of Ambi or Mod universities with scholarships. PS: I graduated from ASU May’22 luckily i got into aws and paid off 50k debt.
@portalofpeace_
@portalofpeace_ Год назад
Bro,when did you secure an h1b visa after graduation?
@VijitkSharma
@VijitkSharma 3 месяца назад
Bro if someone don't want to use parents as co applicant, then can he get loan just on his name without any collateral??
@ParthVijayvergiya
@ParthVijayvergiya 3 месяца назад
Yess through prodigy finance.
@technicaldimag8776
@technicaldimag8776 Год назад
Did you face any racism in usa
@hudaibahmed385
@hudaibahmed385 10 месяцев назад
form where i can get loan as a student
@benhurdsouza2890
@benhurdsouza2890 Год назад
Which is a better option? Loan or Self?
@YashM1234
@YashM1234 Год назад
Loan always. I took 36L loan in Spring 2021 at 75rs dollar rate. I got job and started paying off when dollar rate is 81rs so basically i paid no interest on my loan. Dollar rate is subject change but it increases mostly. Use cash for living expenses. Its a hassle but take loan from sbi they offer around 8.8% and 8.3% for female
@benhurdsouza2890
@benhurdsouza2890 Год назад
@@YashM1234 Thanks for your reply. how much time did it take in total to pay off the loan amount? Did you get any on campus jobs ? Or worked off campus during your master's?
@YashM1234
@YashM1234 Год назад
@@benhurdsouza2890 This totally depends on your major and Salary. I completed my masters in 1.5 year and started working for Amazon. Amazon pay’s really well 130k base 30k bonus for 1st year. Ideally i should have paid of loan in first 6 months, but i had other family commitments to take care of. Still 11L remaining. Let me add this, I was very lucky with my job timing. Some other people from my batch are still looking for job after graduating last dec, due to economic downturn i suppose.
@benhurdsouza2890
@benhurdsouza2890 Год назад
@@YashM1234 Amazon!! That's great man. I'll be pursuing MS finance. Which course did you pursue and university? (If you don't mind). Can we be connections on LinkedIn?
@YashM1234
@YashM1234 Год назад
@@benhurdsouza2890 See, off campus jobs are very laborious. Its just not those 20 hours of work, when you come back home tired you cant study at all, affects your gpa. I initially worked in dining, I wish i had not. I worked hard on a subject and got a grader position there, lack of physical exertion gave me enough time to work on job search. If you make stay jobless for first semester and end up getting desk job at campus, grader, TA or RA thats more than worth it. Before starting masters, at least few 1.5 month before start writing to professors asking for job, apply on campus jobs. This puts you ahead of curve. I am not very smart guy, but i surrounded myself with really smart and nice peeps. Also this part time salaries are peanuts compared to job. This advice was given by senior which helped me alot. ♥️ hope it helps.
@simranahluwalia6084
@simranahluwalia6084 Год назад
I am scared of ielts :'(
@mahathiee
@mahathiee 9 месяцев назад
How to get loan- with out co-signer and collateral
@Sheikish03
@Sheikish03 6 месяцев назад
Try M Power Financing or Prodigy
@mahathiee
@mahathiee 6 месяцев назад
@Sheikish03 actually I got the loan from MPower. I'm happy but I'm concerned about the interests. They don't offer intrest free moratorium
@mehulkumar6504
@mehulkumar6504 Год назад
Bhaiyaa why did you Choose USA over Canada? Despite the PR issues in USA?
@mehulkumar6504
@mehulkumar6504 Год назад
Please reply this time. I have been asking you this question everytime. Plz reply🙏
@nandi7772
@nandi7772 Год назад
Better education and salaries
@neiljohn2637
@neiljohn2637 Год назад
I will reply to u my friend... If you are stuck in the dilemma of US or Canada. To any blind man, Canada is for sure the only option if you are going abroad with a plan to settle. In US its like a gamble in a casino, you may hit the jackpot or else return back home, but with the experience of 5 years staying in US. Also, if you don't mind working your ass off in USA it may help you in ways such as companies might offer you remote job roles where you can have multiple income streams. In case you don't wanna come back to India and are wanting to settle, I would advise Canada and also note that Toronto, Vancouver are cities that even give most US cities a run for their money in terms of lifestyle. Choose wisely my friend
@mehulkumar6504
@mehulkumar6504 Год назад
@@neiljohn2637 thank You Neil! I can truly comprehend through what you said. ❤️
@yosecretsquirrel
@yosecretsquirrel Год назад
WTF is lakhs?
@nandi7772
@nandi7772 Год назад
100 thousand is equal to 1 lakh.
@livinghope1561
@livinghope1561 Год назад
​@@nandi7772its not equal it's called lakhs
@Saud4793
@Saud4793 6 месяцев назад
Better enrich your knowledge and stop being a racist Karen
@Sanyu-Tumusiime
@Sanyu-Tumusiime Год назад
china is better. :P
@theadityadeshpande
@theadityadeshpande Год назад
How? China doesn't much more
@theadityadeshpande
@theadityadeshpande Год назад
pay*
@Sanyu-Tumusiime
@Sanyu-Tumusiime Год назад
@@theadityadeshpande In China your full tuition and living cost for 1 year is $10,000. China is a far superior country than USA. China is the future, they have much better infrastructure and opportunties. They don't waste time on drag queen story hour and LGBTQ.
@livinghope1561
@livinghope1561 Год назад
​@@Sanyu-Tumusiimelol most Chinese are studying in US. You must have gone out of your mind 50% of population in America are chinese mostly.
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