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We work across 29 destinations. English-speaking: UK, USA, Canada, Australia, New Zealand, Ireland. Europe: Germany, Netherlands, Finland, Sweden, Norway, Denmark, France, Italy, Spain, Switzerland, Austria. Asia: Singapore, Malaysia, South Korea, Japan. Also: Dubai (UAE), Cyprus, Malta. Which one suits you depends on your marks, your budget, whether you need to work alongside study, and whether you intend to stay on afterwards. Those four pull in different directions, so we go through them on the first call rather than starting from a country you have already picked.

Three charters, all structured so the large payment follows a result rather than preceding it. Global Admissions Charter, ₹9,999: a refundable onboarding deposit for paid-tuition universities. It is returned in full once your visa is granted, you have arrived and your tuition is paid, so a placed student pays Axelis nothing. It is also refunded if you receive zero offers. Europe Public Charter, ₹19,999 plus a ₹1,80,000 success fee, ₹1,99,999 in total: the route to tuition-free public universities. The success fee is payable only if and when you accept an offer. Tuition-free study in Europe is what makes it worth paying, and it saves ₹80+ lakhs in tuition fees. Ivy League Charter, ₹19,999 plus a ₹1,80,000 success fee, ₹1,99,999 in total: the same model for Master's and MBA applications to the Ivy League, Ivy Plus, Public Ivies and Little Ivies (49 universities). The ₹19,999 is refunded if no university on your list makes an offer, and the success fee is payable only if you accept an offer from one of those 49. Free either way: the first consultation and profile assessment, university shortlisting, and general guidance on how the process works. Structured this way, the risk of paying for nothing sits with us rather than with you. Zero Tuition Fee Universities - Complete Guide Our Student Plan Programs | Success Stories

Over 2000+ scholarship opportunities are searchable through us: merit awards, need-based aid, government schemes, university-specific awards, field-specific funding in STEM, arts and business, and diversity scholarships. Agent-channel scholarships at 1600+ universities. We match against your actual profile, help with the applications, and track the deadlines, which are usually months earlier than the application deadline and are the most common reason students miss out. 85% of our students receive some form of financial aid, typically $8,000 to $25,000 a year. A few get full funding covering tuition and living costs. Canada Scholarships Guide | UK Scholarship Opportunities | All Scholarship Resources

Yes. We work with University Living, Amber Student and This is Fresh, and directly with university housing offices. We shortlist properties, arrange virtual tours, read the lease before you sign it, and handle the deposit and booking so the confirmation is in your hand before you fly. Options run from university halls to private studios, shared houses and homestays. Two things worth knowing. Book early for a September intake, because the affordable rooms near campus go first. And never pay a deposit to a landlord you found outside these platforms without showing us the paperwork, because that is where most accommodation fraud against Indian students happens.

We work with 25+ lenders: public banks (SBI, Bank of Baroda, Canara), private banks (HDFC, ICICI, Axis), NBFCs (Avanse, Credila, InCred, Auxilo) and international lenders (Prodigy Finance, MPOWER). What that market currently offers: up to 100% of costs, ₹10 lakh to ₹1.5 crore, interest from around 8.5% a year, repayment up to 15 years, and a moratorium covering the course plus six months to a year. We check your eligibility before you apply anywhere, compare offers side by side, prepare the file, and follow the sanction through to disbursement. We will also show you where Section 80E applies to the interest. If your co-applicant's credit history is going to sink the application, you will hear it from us at the start rather than after three rejections.

It depends on the destination and the level. Typical time from first call to decision: UK 3 to 6 months, with the main UCAS deadline on 15 January. USA 6 to 12 months, Early Decision in November and Regular from January to March. Canada 4 to 8 months, varying by province. Australia 2 to 6 months, with several intakes a year. Germany 4 to 8 months, depending on uni-assist. When to start: 12 to 18 months ahead for an undergraduate place, 8 to 12 months for a postgraduate one, and 12 to 24 months for a PhD. Inside that, profile assessment and shortlisting take 2 to 4 weeks, preparing documents and submitting applications 4 to 8 weeks, university decisions 4 to 12 weeks, the visa 4 to 8 weeks, and pre-departure 2 to 4 weeks. The deadlines that actually catch people out are the ones that sit early and move backwards: entrance tests, apostille and document attestation, and scholarship rounds that close months before the application itself.

Requirements vary by country, university and level, but the usual bands are these. Academic: 60 to 75% in Class 12 for an undergraduate place, 65 to 75% in your bachelor's for a postgraduate one, and a master's with research experience for a PhD. English: IELTS 6.0 to 7.5 overall, TOEFL 80 to 100 iBT, PTE 58 to 65, or Duolingo 105 to 120 where it is accepted. Entrance tests where the programme asks for one: SAT 1200+ for undergraduate, GRE 300+ for graduate, GMAT 600+ for an MBA, and MCAT or LSAT for medicine and law. You will also need a statement of purpose, two or three letters of recommendation, a CV, a portfolio for creative programmes, and work experience for most MBAs. Financially: proof of funds covering tuition and living costs, six months of bank statements, and any scholarship or loan documentation. Missing one of these rarely rules you out on its own. We look at the whole profile and shortlist universities where it actually stands up, and we will say so when it does not.

Yes, with a 90% success rate. We prepare the document checklist, complete the forms, book the appointment, run mock interviews, and track the application through to decision. By destination that means the UK Student Visa, the US F-1, the Canadian Study Permit, the Australian Subclass 500, and Schengen student visas for Europe. The file itself is financial evidence and bank statements, transcripts and certificates, English test results, medicals and health insurance, and your accommodation and travel arrangements. For the interview we work through the questions that are actually asked, then run it as a mock so the answers are yours rather than memorised. What decides most refusals is not a missing document. It is an inconsistency between what you say and what the file shows, so we check the two against each other before anything is submitted. UK Student Visa Guide | US F-1 Visa Process

Yes. Most student visas allow part-time work, and the limits differ. UK: 20 hours a week in term, full-time in holidays. Canada: 20 hours a week in term, full-time in breaks. Australia: 48 hours a fortnight in term. Germany: 120 full days or 240 half days a year. USA: on-campus work is allowed from the start, off-campus needs separate authorisation. Typical rates are £10 to £15 an hour in the UK, CAD 15 to 20 in Canada, AUD 20 to 25 in Australia, and USD 10 to 15 in the USA. Campus jobs, retail, hospitality, tutoring and freelance work are where most students start. We rewrite your CV for the local market, run interview practice, and help with the work permit and tax number once you arrive. Be careful with the limits. Exceeding them breaches your visa, and it is one of the few mistakes on this list that can end your course rather than delay it.

Pricing first, because it is the part that differs most. You pay after an offer, not before: the ZCF and ZTF Student Plans both work that way, so the risk of paying for nothing sits with us rather than you. The scope is 29+ destination countries, 35,000+ universities, 2000+ scholarship opportunities and 25+ loan provider partnerships, with support running from the first application through to settling in. What that has produced: • 5,000+ students placed • 4,500+ visas approved • ₹3+ Cr in scholarships won • ₹30+ Cr in education loans facilitated • 90% visa approval rate, which is the 4,500 approvals against the 5,000 placements above • 85% scholarship success rate • ₹80+ lakhs saved through tuition-free programs We commit to these: • Agent-channel scholarships at 1600+ universities • A written refund on concierge programmes if we miss the outcome • Post-arrival support commitment • Transparent pricing with no hidden costs The counselling is done by people with international education backgrounds and country specialists, supported by an application tracking platform, document management, and an alumni network you can actually talk to. Behind that sit direct university partnerships, accommodation providers and lender relationships. The practical difference is that one counsellor stays with you from shortlist to arrival, and every fee is published before you pay it.

Yes, through the first year, and for the parts that actually go wrong. Before you fly: orientation, a packing checklist, travel and airport transfer, and emergency contacts. On arrival: airport pickup where we can arrange it, temporary accommodation if your housing starts late, and getting you oriented locally. In the first fortnight, which is when most of it happens: opening a bank account, a local SIM and broadband, registering with healthcare, applying for the tax or social security number, and completing university registration. After that: course selection, introductions to your academic advisor, and later the visa extension, work permit, family visit visas and post-study work route when you need them. There is a helpline for emergencies and we check in through the first year. The two things students call about most are healthcare registration and the bank account, because both need proof of address and the address often is not ready yet.

Book a free first call at overseeducation.com/bookings, phone +91 9098522711, or message us on WhatsApp. The office is at No. 224, 3rd Floor, WorkFlo Ranka Junction Property, 80/3, KR Puram Bridge, Krishna Reddy Industrial Estate, Dooravani Nagar, Bengaluru, Karnataka 560016. Bring your transcripts and certificates, any English test scores you already have, your passport copy, a CV, and details of any applications you have made before. On the call we go through your academic record, what you want to do afterwards, your budget and your timeline, and what scholarships you might be eligible for. You leave with a shortlist, a dated timeline, the tests you still need to sit, a document checklist and a cost breakdown. Only then do you decide whether to work with us and on which plan. The first call is free and there is nothing to sign at the end of it. If what you want is not realistic on your marks, your budget or your timeline, we will say so on that call rather than take a fee and tell you later.

Tuition, per year: undergraduate £10,000 to £38,000, postgraduate £11,000 to £32,000, MBA £15,000 to £87,000, and medicine or dentistry £38,000 to £67,000. Living costs, per month: about £1,400 to £1,800 in London and £900 to £1,300 elsewhere. Within that, accommodation runs £400 to £800, food £200 to £300, transport £50 to £150 and personal spending £100 to £200. The fixed extras people forget: the visa at £363, the Immigration Health Surcharge at £624 a year for the whole length of your course, IELTS at £170 and the UCAS fee at £22 to £27. The Health Surcharge is the one that catches families out, because it is charged upfront for every year at once. What genuinely reduces the total: studying outside London, sharing accommodation, applying for university bursaries early, and the 20 hours a week of term-time work your visa allows. We build the full budget with you before you commit to a university, not after.

You need a Confirmation of Acceptance for Studies from a licensed sponsor, proof of funds, English proficiency, your academic qualifications, and a TB test if you are applying from India. On money: first-year tuition plus living costs of £1,334 a month outside London or £1,023 in London. That money has to sit in the account for 28 consecutive days, in your name or a parent's with a consent letter. The 28 days is where most applications come unstuck, because a balance that dips even once resets the clock. The application is online. You pay the £363 fee and the Immigration Health Surcharge, book biometrics, submit the documents and attend an interview if asked. Standard processing takes three weeks. Priority is five working days for another £500, super priority is 24 hours for another £1,000. Once granted, the visa ties you to that institution, allows 20 hours of work a week in term, gives no access to public funds, and requires you to keep up academic progress. Our visa specialists guide you through each step, ensuring 90% approval success rate.

The universities Indian students most often apply to are Toronto, McGill, British Columbia, Alberta, McMaster and Waterloo, which runs the best-known co-op programme in the country. The usual entry bar: 75 to 85% in Class 12 for undergraduate, a 3.0 to 3.7 GPA for postgraduate, IELTS 6.5 to 7.5 or TOEFL 90 to 100, and GRE or GMAT where the programme asks. Tuition, per year: undergraduate CAD 20,000 to 40,000, graduate CAD 15,000 to 35,000, MBA CAD 30,000 to 80,000. Cheaper than comparable places in the USA or UK. Funding comes from the Vanier and Canada Graduate Scholarships, university merit awards and provincial schemes. What draws most students is what happens afterwards: a post-graduation work permit of up to three years, and a clearer route to permanent residency than the other major destinations offer. The length of that permit depends on the length of your course, so it is worth settling before you choose the programme rather than after.

Once a SEVIS-approved university admits you, it issues your I-20. You then pay the SEVIS fee of $350, complete the DS-160 online, pay the $160 visa fee and book your interview. Take to the interview: a passport valid at least six months, the I-20, the SEVIS receipt, your DS-160 confirmation, the fee receipt, transcripts and test scores, financial documents and bank statements covering three to six months, and evidence of your ties to India. The interview is short and it is mostly about four things: why this university and this course, how you are paying for it, what you will do after graduating, and what brings you back. Answer those clearly and consistently with your paperwork. Processing usually takes three to five weeks, emergency appointments exist, and administrative processing can add time without warning. The most common reason Indian applicants are refused is not money. It is an answer about post-graduation plans that does not match the course on the I-20.

Tuition, per year: undergraduate AUD 20,000 to 45,000, postgraduate AUD 22,000 to 50,000, MBA AUD 40,000 to 80,000, and vocational courses AUD 4,000 to 22,000. Living costs, per year: AUD 21,000 to 27,000 in Sydney or Melbourne, 18,000 to 24,000 in Brisbane or Perth, 16,000 to 22,000 in Adelaide or Hobart, and 15,000 to 20,000 regionally. Monthly, that is roughly AUD 800 to 1,500 on accommodation, 400 to 600 on food, 100 to 200 on transport, 100 to 150 on utilities and 300 to 500 on everything else. Overseas Student Health Cover is compulsory for the whole length of your visa and costs AUD 500 to 700 a year. You can work 48 hours a fortnight in term and unlimited hours in holidays, at a minimum wage of AUD 21.38 an hour. Studying regionally is the single biggest lever on the total, and it also affects post-study work rights, so it is worth deciding early rather than late.

Public universities in Germany charge no tuition, to Germans and international students alike. You pay a semester contribution of €150 to €350, which covers student services and usually a local transport pass. That applies at Technical University of Munich, Heidelberg, Humboldt Berlin, RWTH Aachen, Freiburg and Karlsruhe Institute of Technology, among others, at both bachelor's and master's level. Living costs run €800 to €1,300 a month: €300 to €700 on accommodation, €200 to €300 on food, €80 to €100 on transport, about €110 on health insurance and €100 to €200 on everything else. To get in you need a strong academic record, roughly a German 2.5 or better. German-taught programmes want DSH-2 or TestDaF 4; English-taught ones want IELTS 6.5 or TOEFL 90. Funding beyond the free tuition comes from DAAD, university scholarships, research assistantships and the Heinrich Böll Foundation. You can work 120 full days or 240 half days a year, earning €450 to €850 a month, with no limit on research or teaching assistantships. The part that decides most German applications is not tuition or marks. It is the blocked account and the APS certificate, both of which take longer than people expect, so they set your real deadline.

Most universities accept any of the main four, and the score they want varies more by programme than by country. IELTS: usually 6.0 to 7.5 overall. UK 6.0 to 7.0, Canada 6.5 to 7.5, Australia 6.5 to 7.0, New Zealand 6.0 to 7.0. TOEFL iBT: usually 80 to 100. USA 80 to 100, Canada 90 to 100, Germany 80 to 90. PTE Academic: Australia 58 to 65, UK 59 to 69, Canada 60 to 70. Duolingo: 105 to 120. Widely accepted in the USA, less so in Canada, and cheaper and quicker than the rest. Cambridge C1 Advanced at grade B or C2 Proficiency at grade C is accepted in the UK, Australia and some US universities, and unlike the others it does not expire. The first four are valid for two years. Sit the test two to three months before your deadlines. That leaves room to retake it, which is common and not a problem, but only if the calendar allows it. Check the per-section minimum as well as the overall score, because a band shortfall in one skill fails an application that the overall score would have passed.

Start from what you want to be doing three years after you graduate, then work backwards. Most people do it the other way round, pick a country first, and end up on a course that does not lead anywhere they wanted. For the course, the things that actually matter are whether the curriculum contains the subjects you need, whether it includes a placement, internship or co-op, and whether it is accredited by the professional body in your field. An unaccredited degree in engineering, architecture, law, medicine, accounting or psychology can leave you unable to practise, whatever the university's ranking. For the university, weigh subject-level ranking over the overall one, the cost of living in that city, and whether the region's job market employs graduates of that course. Overall rankings mostly measure research output, which will not affect your teaching or your employment. On money, compare the total cost of the whole degree rather than the annual fee, since course lengths differ, and check what scholarships you are eligible for before you apply rather than after. We shortlist against your actual marks and budget, and we will tell you when a course you are set on does not lead to the job you described.

It depends on the level and the destination, but the core set is consistent. Academic: transcripts from every institution you have attended, degree and graduation certificates, a grade conversion or equivalency where the university asks for one, academic references from professors or teachers, and provisional certificates if your final results are still pending. Tests: your English score from IELTS, TOEFL, PTE or Duolingo, plus SAT or ACT for undergraduate, GRE or GMAT for graduate, and MCAT or LSAT where relevant. Official reports must come from the testing agency, not from you. Personal: a passport valid at least six months, recent photographs to the university's specification, a certified birth certificate and photo identity. Written: a statement of purpose, a personal statement, any university-specific essays, and a research proposal for research programmes. Professional, where it applies: a CV, employment verification letters, references from employers, a portfolio for creative or technical courses, and publications. The two that cause the most delay are attestation and apostille of Indian documents, which runs through the Regional Authentication Centre in your issuing state before the MEA, and transcripts from universities that are slow to release them. Both take weeks. Start them before you start the applications.

Axelis Overseas counsels Bangalore students from WorkFlo Ranka Junction, KR Puram. Our Google rating is 4.9 out of 5 from 75 reviews of the Bilaspur office; the Bengaluru office has no Google reviews yet. Why students pick us here: you pay only after results, we cover 29+ countries with direct university partnerships, 2000+ scholarships are accessible through the network, we have a 90% Visa Approval Rate, and support runs from application through to post-arrival. We do not charge a consultation fee, which most Bangalore consultants do. You get a named counsellor rather than a call centre, an in-house employability analysis, alumni you can contact in 29+ countries, and pricing published before you pay. The office is at WorkFlo Ranka Junction, 3rd Floor, Old Madras Road, KR Puram, Bengaluru 560016. Call +91 9098522711 or email axelisoverseas@overseeducation.com. The first consultation is free, at the office or online.

It varies more by country than by course. Cheapest, ₹5 to 15 lakh a year all in: Germany, where public university tuition is free and living costs ₹6 to 8 lakh. France at ₹2 to 5 lakh tuition plus ₹6 to 8 lakh living. Finland and Norway, tuition-free on some programmes. Malaysia at ₹3 to 6 lakh tuition plus ₹3 to 5 lakh living. Middle, ₹15 to 30 lakh a year: Canada at ₹12 to 25 lakh tuition plus ₹8 to 12 lakh living. Ireland at ₹10 to 20 lakh plus ₹8 to 10 lakh. New Zealand at ₹12 to 22 lakh plus ₹8 to 10 lakh. Highest, ₹25 to 60 lakh a year: the UK at ₹12 to 35 lakh tuition plus ₹10 to 15 lakh living. The USA at ₹15 to 45 lakh plus ₹10 to 18 lakh. Australia at ₹15 to 40 lakh plus ₹10 to 15 lakh. What actually moves the number: scholarships, studying outside the capital cities, an education loan from 8.5% through our 25+ loan partners (₹30+ Cr facilitated), and term-time work, which brings in ₹5 to 12 lakh a year depending on the country. Compare the cost of the whole degree rather than the yearly figure. A two-year master's in Germany and a one-year master's in the UK are closer than the annual numbers suggest.

Often yes, though it narrows your options. Germany accepts Duolingo or a medium-of-instruction letter for many English-taught programmes, and French-taught courses in France need no English test at all. Several Italian, Malaysian and Singaporean universities accept Class 12 English marks or their own assessment. In the UK, some universities take the Duolingo English Test, an MOI letter from an English-medium institution, their own internal test, or Password Solo. In the USA, Duolingo is accepted at a large number of institutions, and conditional admission through an ESL pathway is an option if your English is not yet there. Canada is the strictest of the four. Most programmes want IELTS or TOEFL, and the SDS visa stream requires IELTS 6.0 or better in every band, so skipping the test usually means skipping SDS. Two things to weigh. Higher-ranked universities are the least likely to waive it, and a waiver that gets you admitted can still leave you short at the visa stage, where the rules are set by the government rather than the university. If your shortlist is open, sitting IELTS or PTE keeps every door open.

United Kingdom, Graduate Route: two years after any degree at an approved institution, three after a PhD. Any job, any skill level, no employer sponsorship needed, and it can be converted to a Skilled Worker visa afterwards. Canada, Post-Graduation Work Permit: length follows the course. A programme under eight months earns nothing, a one-year course earns one year, and two years or more earns three. It is the strongest route to permanent residency of the four, through Express Entry and the provincial programmes. USA, Optional Practical Training: twelve months for any graduate, plus a further twenty-four for STEM graduates, so thirty-six in total. Staying beyond that needs an employer to sponsor an H-1B, which is capped and allocated by lottery. Australia, Post-Study Work stream: two years for a bachelor's, three for a master's by coursework or research, four for a PhD, with one to two extra years for studying regionally. If staying on matters to you, decide this before you choose the course, not after. Course length in Canada and course level in Australia change the outcome directly, and both are fixed once you enrol.

The courses Indian students most often ask us about, and that currently have the widest intake, fall into five groups. Technology and data: artificial intelligence and machine learning, data science and analytics, cybersecurity, cloud computing and DevOps, and full-stack development. Business: an MBA, particularly with a technology specialisation, business analytics, supply chain management and digital marketing. Healthcare and sciences: public health, biotechnology, pharmaceutical sciences, and nursing, which is in unusually strong demand in Australia, Canada and the UK. Engineering: mechanical and automotive, which Germany is strongest in, renewable energy, and biomedical engineering. Creative and design: UX and UI design, animation and game design, and architecture. We have deliberately not put salary figures against these. The numbers circulating online are averages across whole countries and job levels, and they will not tell you what you would earn. What we can do is show you the graduate employment data the university itself publishes for that specific course, which is the figure worth deciding on.

We work with 25+ lenders, and the process is the same whichever you end up with. We assess your eligibility across all of them first, then apply to three to five at once rather than one at a time, prepare the paperwork, and coordinate the sanction and disbursement against your university's fee deadline. Public banks: SBI from around 8.5% a year up to ₹1.5 crore, Bank of Baroda, and Canara Bank, which is headquartered in Bengaluru. Private banks and NBFCs: HDFC Credila up to ₹45 lakh without collateral, ICICI, Axis, Avanse up to ₹40 lakh without collateral, InCred, and Prodigy Finance, which needs no co-signer for students at selected universities. Broadly: up to ₹40 to 45 lakh without collateral, up to ₹1.5 crore with it, interest between 8.5% and 13.5% a year, a moratorium covering the course plus six to twelve months, and tax relief on the interest under Section 80E. We charge nothing for any of this. Apply in parallel rather than sequentially, because a rejection is recorded and makes the next application harder.

Yes, at the Bengaluru office and online. It covers a full profile and career assessment, country and university shortlisting, course selection, a scholarship eligibility check across 2000+ options, budget and loan guidance, an honest read on your visa chances, and a timeline for the intake you are targeting. Book through Calendly at overseeducation.com/bookings, call +91 9098522711, message us on WhatsApp, or walk into the office at WorkFlo Ranka Junction, KR Puram. We are open Monday to Friday 9am to 6pm and Saturday 10am to 4pm. It is free because of how we are paid. Other Bangalore consultancies charge ₹5,000 to ₹50,000 for a consultation; we earn a commission from universities instead. Worth knowing what that means in practice: it removes the incentive to bill you for advice, and it is why we publish which universities we hold commission arrangements with, so you can weigh any recommendation yourself. Axelis has supported 5,000+ students across both offices. The free consultation in Bengaluru is the same one we run everywhere.

Yes. Public universities in Germany charge no tuition for bachelor's or master's programmes, to Indian students on the same terms as German ones. You pay a semester contribution of €150 to €350, which covers student services and a transport pass. Courses are taught in both English and German. This applies at TUM, RWTH Aachen, Heidelberg, Humboldt Berlin, Freiburg and KIT, among others. Living costs run €300 to €700 for rent, cheaper in Berlin than Munich, €200 to €300 for food and €110 for compulsory health insurance, with transport already covered by the semester ticket. In rupees that is roughly ₹65,000 to ₹1,10,000 a month. What you need: B2 German for German-taught courses or IELTS 6.5 for English-taught ones, good academic marks, and a blocked account holding €11,904 for the year, which the visa requires before it is granted. The blocked account is the real barrier, not the tuition. Free tuition does not mean a free degree, and that sum has to be shown as available and untouched before you travel.

Government scholarships, the largest awards available: Chevening in the UK, fully funded for a master's including living costs. Fulbright-Nehru in the USA, fully funded for master's and PhD. DAAD in Germany at €934 a month plus travel. Australia Awards, full tuition plus a living allowance. Vanier in Canada at CAD 50,000 a year for a PhD. Erasmus Mundus across Europe at €1,400 a month plus tuition. University merit awards are smaller but far easier to win: £2,000 to £10,000 off tuition in the UK, $5,000 to $30,000 a year in the USA, CAD 3,000 to 15,000 in Canada, AUD 5,000 to 25,000 in Australia. There are also field-specific awards, with the largest amounts in STEM, alongside women in engineering and technology scholarships, sports scholarships mostly in the USA, and arts funding. Through our 1600+ university partners we hold agent-channel scholarships and discounts that are not offered to direct applicants, averaging ₹3 to 8 lakh. Apply six to twelve months before the intake, because the big government awards close long before university applications do. Apply to several at once, and align your statement of purpose to what each one is actually funding rather than sending the same one everywhere. Our Bengaluru team has helped students secure ₹3+ crores in total scholarships to date.

Week 1: a free first call, at the Bengaluru office or online. We go through your academic record, what you want to do afterwards, your budget and where you are considering. Weeks 2 to 3: we shortlist five to ten universities across one to three countries, against your marks and budget rather than against rankings. Months 1 to 3: tests. IELTS, TOEFL or PTE, and GRE or GMAT where the programme wants one, with target scores set by the universities on your shortlist. Months 3 to 5: your statement of purpose and recommendation letters get drafted and reviewed, your CV is rewritten for international applications, and documents are collected and verified. Months 5 to 6: applications go in, and we track and chase each one. Months 6 to 8: offers arrive. We compare them, ask about scholarships where there is room to ask, and you decide. Months 7 to 8: the loan and any scholarships are processed against the university's fee deadline. Then the visa file, and pre-departure. The timeline slips in two places: document attestation and the test you have to retake. Both are avoidable by starting them earlier than feels necessary.