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Required Financial Documents for International Students

International Students are required to file financial documents along with their admission applications.

Here are some tips on Financial Documents which may help you.

1.Financial Statements what they are?

Financial statements are meant to show to the universities that you or your sponsor have enough liquidity to finance your study and living expenses while you are a student in the American University.

This is a requirement by law and you have to provide it . There is no waiver on this score.

2.What does liquidity imply?

Cash in the saving bank account,Fixed deposits in the bank,savings in the post office accounts. I call these as “Pure Liquid Assets” and if you have these then there is no hassle with the universities.

People who do not have enough funds in the above do group some allied items in their Financial Statements. These I call as “Allied Liquid Assets”. Demat accounts, PF, Life Insurance Policies are normally mentioned here.

Some Universities do accept the Allied Assets and some do not. It is a matter of convincing the univs.

3.How much funds need to be shown?

You have to show two semesters cost comprising of Fees,living and miscellaneous expenses.

Check the universities requirements on these and show the funds accordingly.Each university has it’s own cost structure.Select the universities you want to apply and prepare the documents showing the highest expenses. This is done in order that you use the same Financial statement for all your Universities.

Note Read below “What if you I target for assistantship”

4.How to prepare the affidavit?

The affidavit of support should be on a stamp paper and attested by a Notary Public after your sponsor signs it.

This is done to impress the university otherwise it has no legal standing in USA.

The affidavit should carry supporting documents from your(sponsors) bank certifying the amount you are having in your account. For FDs get another certificate. Similarly for other items.

Remember that you are targeting several universities This implies that all your affidavits and bank certificates should be sent in original to each univ. So prepare as many as you intend applying plus one or two more. Preferably send the University’s financial forms along with your affidavit

5. When should the financial affidavit be sent?

It is best to send it along with the application. This helps the university. Sending it later some times causes hassles to coordinate the documents.

However if you are not prepared with them you can send these documents later when the univ asks for them. This will not affect your admission decision.

6.What if I target for assistantship?

If you are targeting for assistantship and are confident that you will get it and have decided not to go to a particular university unless the assistantship is granted you need not send the financial documents initially.

If any assistantship is granted you can reduce the amount of grant from the required finances and prepare the document accordingly.

7. I do not have funds so how should I go about?

People propagate several unethical ways do this. I do not.

Maybe with experience I have mellowed down .

Enough to say that I know some universities do verify with the banks about your documents. If you are caught on the wrong foot then there is no one to save you. The adviser shall not come forward nor the person who prepared the documents for you.

I can only comment that there are legal ways to overcome this difficulty. Use your ingenuity.

To this I will add that over 50% of persons who aspire to study abroad face this difficulty and your are not unique in this.

Think and you will find a correct and legal way out.

8.What is the period of validity of these documents?

About 4-6 months.

9. Can I use these financial documents for Visa purpose?

Yes and No.

While you must carry these documents while going for visa however it will be prudent to prepare separate documents when you go for visa.

More on this later.

Good Luck


Technology Alert List (TAL)

 International Students if you are applying for any of these programs? Think again or reallign your profile. It is difficult to get a visa for these fields.

I said difficult not impossible


A. CONVENTIONAL MUNITIONS: Technologies associated with:
— Warheads and other large caliber projectiles
— Reactive armor and warhead defeat systems
— Fusing and arming systems.
— Electronic countermeasures and systems
— New or novel explosives and formulations
— Automated explosive detection methods and equipment

B. NUCLEAR TECHNOLOGY: Technologies associated with production and use of nuclear material for both peaceful and military applications. Included are technologies for:
— Enrichment of fissile material
— Reprocessing irradiated nuclear fuel to recover produced plutonium
— Production of heavy water for moderator material
— Plutonium and tritium handling
Also, certain associated technologies related to nuclear physics and/or nuclear engineering. Includes materials, equipment or technology associated with:
— Power reactors, breeder and production reactors
— Fissile or special nuclear materials
— Uranium enrichment, including gaseous diffusion, centrifuge, aerodynamic, chemical, Electromagnetic Isotopic Separation (EMIS), Laser Isotope Separation (LIS)
— Spent fuel reprocessing, plutonium, mixed oxide nuclear research Inertial Confinement Fusion (ICF)
— Magnetic confinement fusion
— Laser fusion, high power lasers, plasma,
— Nuclear fuel fabrication including Mixed Oxide (uranium-plutonium) fuels (MOX)
— Heavy water production
— Tritium production and use
— Hardening technology

C. ROCKET SYSTEMS (including ballistic missile systems, space launch vehicles and sounding rockets) and Unmanned Air Vehicles (UAV) (including cruise missiles, target drones, and reconnaissance drones): Technologies associated with rocket systems and UAV systems. The
technology needed to develop a satellite launch vehicle is virtually identical to that needed to build a ballistic missile.

Propulsion technologies include solid rocket motor stages, and liquid propellant engines. Other critical subsystems include re-entry vehicles, guidance sets, thrust vector controls and warhead safing, arming and fusing. Many of these technologies are dual-use. Technologies include:
— Liquid and solid rocket propulsion systems
— Missile propulsion and systems integration
— Individual rocket stages or staging/separation mechanism
— Aerospace thermal (such as superalloys) and high-performance structures
— Propulsion systems test facilities

E. NAVIGATION, AVIONICS AND FLIGHT CONTROL USEABLE IN ROCKET SYSTEMS AND UNMANNED AIR VEHICLES (UAV): These capabilities directly determine the delivery accuracy and lethality of both unguided and guided weapons. The long-term costs to design, build and apply these technologies have been a limiting proliferation factor. Technologies include those associated with:
— Internal navigation systems
— Tracking and terminal homing devices
— Accelerometers and gyroscopes
— Rocket and UAV and flight control systems.
— Global Positioning System (GPS)

F. CHEMICAL, BIOTECHNOLOGY AND BIOMEDICAL ENGINEERING: The technology used to produce chemical and biological weapons is inherently dual-use. The same technologies that could be applied to develop and produce chemical and biological weapons are used widely by civilian research laboratories and industry; these technologies are relatively common in many countries. Advanced biotechnology has the potential to support biological weapons research. In the biological area, look for interest in technologies associated with:
— Aerobiology (study of microorganisms found in the air or in aerosol form)
— Biochemistry
— Pharmacology
— Immunology
— Virology
— Bacteriology
— Mycology
— Microbiology
— Growth and culturing of microorganisms
— Pathology (study of diseases)
— Toxicology
— Study of toxins
— Virulence factors
— Genetic engineering, recombinant DNA technology
— Identification of nucleic acid sequences associated with pathogenecity
— Freeze-drying (lyophilization)
— Fermentation technology
— Cross-filtration equipment
— High “DOP-rated filters” (e.g., HEPA filters, ULPA filters)
— Microencapsulation
— Aerosol sprayers and technology, aerosol and aerosolization technology
— Spray or drum drying technology
— Milling equipment or technology intended for the production of micron-sized particles
— Technology for eliminating electrostatic charges of small particles
— Flight training
— Crop-dusting, aerosol dissemination
— Unmanned aerial vehicle (UAV) technology
— Fuses, detonators, and other munitions technology
— Submunitions technology
— Computer modeling of dissemination or contagion
— Chemical absorption (nuclear-biological-chemical (NBC) protection)
In the chemical area, look for:
— Organo-phosphate chemistry
— Neurochemistry
— Chemical engineering
— Chemical separation technology
— Pesticide production technology
— Pharmaceutical production technology
— Chemical separation technology
— Toxicology
— Pharmacology
— Neurology
— Immunology
— Detection of toxic chemical aerosols
— Chemical absorption (Nuclear-Biological-Chemical (NBC) protection)
— Production of glass-lined steel reactors/vessels, pipes, flanges, and other equipment
— Aerosol sprayers and technology
— Flight training
— Crop-dusting, aerosol dissemination
— Unmanned Aerial Vehicle (UAV) technology
— Fuses, detonators, and other munitions technology
— Submunitions technology
— Computer modeling of dissemination

G. REMOTE SENSING, IMAGING AND RECONNAISSANCE: Satellite and aircraft remote sensing technologies are inherently dual-use; increasingly sophisticated technologies can be used for civilian imagery projects or for military and intelligence reconnaissance activities. Drones and remotely piloted vehicles also augment satellite capabilities. Key-word associated technologies are:
— Remote sensing satellites
— High resolution multi-spectral, electro-optical and radar data/imagery
— Imagery instruments, cameras, optics, and synthetic aperture radar systems
— Ground receiving stations and data/image processing systems
— Photogrammetry
— Imagery data and information products
— Piloted aircraft
— Unmanned Air Vehicles (UAV)
— Remotely-piloted vehicles; and drones

H. ADVANCED COMPUTER/MICROELECTRONIC TECHNOLOGY: Advanced computers and software play a useful (but not necessarily critical) role in the development and deployment of missiles and missile systems, and in the development and production of nuclear weapons. Advanced computer capabilities are also used in over-the-horizon targeting, airborne early warning targeting, Electronic Countermeasures (ECM) processors. These technologies are associated with:
— Supercomputing, hybrid computing
— Speech processing/recognition systems
— Neural networks
— Data fusion
— Quantum wells, resonant tunneling
— Superconductivity
— Advance optoelectronics
— Acoustic wave devices,
— Superconducting electron devices
— Flash discharge type x-ray systems
— Frequency synthesizers
— Microcomputer compensated crystal oscillators

I. MATERIALS TECHNOLOGY: The metallic, ceramic and composite materials are primarily related to structural functions in aircraft, spacecraft, missiles, undersea vehicles, and propulsion devices. Polymers provide seals and sealants for containment of identified fluids and lubricants for various vehicles and devices. High density graphite is used in missile nosetips, jet vanes and nozzle throats. Selected specialty materials (i.e., stealth and the performance of these materials) provide critical capabilities that exploit electromagnetic absorption, magnetic, or superconductivity characteristics. These technologies are associated with:
— Advanced metals and alloys
— Non-composite ceramic materials
— Ceramic, cermet, organic and carbon materials
— Polymeric materials
— Synthetics fluids
— Hot isostatic
— Densifications
— Intermetallic
— Organometals
— Liquid and solid lubricant
— Magnetic metals and superconductive conductors

J. INFORMATION SECURITY: Technologies associated with cryptography and cryptographic systems to ensure secrecy for communications, video, data and related software.

K. LASER AND DIRECTED ENERGY SYSTEMS TECHNOLOGY: Lasers have critical military applications, including incorporation in guided ordinance such as laser guided bombs and ranging devices. Directed energy technologies are used to generate electromagnetic radiation or particle beams and to project that energy on a specific target. Kinetic energy technologies are those used to impart a high velocity to a mass and direct it to a target. Directed energy and kinetic energy technologies have potential utility in countering missiles and other applications. Look for technologies associated with:
— Atomic Vapor Laser Isotope Separation (AVLIS)
— Molecular Laser Isotope Separation (MLIS)
— High Energy Lasers (HEL) (i.e., laser welders)
— Low Energy Lasers (LEL)
— Semiconductor lasers
— Free electron lasers
— Directed Energy (DE) systems
— Kinetic Energy (KE) systems
— Particle beam, beam rider, electromagnetic guns, Optoelectronics/electro-optics (Europe)
— Optical tracking (i.e., target designators)
— High energy density
— High-speed pulse generation, pulsed power
— Hypersonic and/or hypervelocity
— Magnetohydrodynamics

L. SENSORS AND SENSOR TECHNOLOGY: Sensors provide real-time information and data, and could provide a significant military advantage in a conflict. Marine acoustics is critical in anti-submarine warfare; gravity meters are essential for missile launch calibration. Look for technologies associated with:
— Marine acoustics
— Optical sensors
— Night vision devices, image intensification devices
— Gravity meters
— High speed photographic equipment
— Magnetometers

M. MARINE TECHNOLOGY: Marine technologies are often associated with submarines and other deep submersible vessels; propulsion systems designed for undersea use and navigation and quieting systems are associated with reducing detectability and enhancing operations survivability. Look for technologies connected with:
— Submarines and submersibles
— Undersea robots
— Marine propulsion systems
— Signature recognition
— Acoustic and non-acoustic detection
— Acoustic, wake, radar and magnetic signature reduction
— Magnetohydrodynamics
_ Stirling engines and other air independent propulsion systems

N. ROBOTICS: Technologies associated with:
— Artificial intelligence
— Automation
— Computer-controlled machine tools
— Pattern recognition technologies.

O. URBAN PLANNING: Expertise in construction or design of systems or technologies necessary to sustain modern urban societies. (PLEASE NOTE: Urban Planning may not fall under the purview of INA section 212 (a)(3)(a), U.S. technology transfer laws, or any other U.S. law or regulation. However, Urban Planning is a special interest item and posts are requested to refer such visa application requests to CA/VO/L/C for further review.) Look for technologies/skills associated with:
— Architecture
— Civil engineering
— Community development
— Environmental planning
Landscape architecture
Land use and comprehensive planning
— Urban design

Questions asked by the Visa Counselors – Step 1

Why do you want to go to USA?

Why particularly USA

Which University have you applied for

Why particularly this University?

How did you come to know about this University

Where is it situated?

Which course are you going for?

Why did you choose this particular course?

What was your previous field of study?

Is this course related to your previous field of study? If no why is this varying interest

Which institution did you attended last

Is there a gap in your studies? If yes give reasons.

Will Continue—–

About Visa

Whats the basic fact that one should know about Visa?
The most important fact is, that a visa is a privilege and not ones right. The Consular Officer at the respective consulate / embassy decides whether one can be granted the visa or not after an objective analysis of your profile.

What is the basic criterion for securing a student visa?
The consular officer will objectively take into consideration your entire profile. The profile compromises: a)Academic Qualifications b)Financial Capabilities and c)Ones intentionsIf the consular officer is convinced about all three, only then he may grant you the visa.

What sort of financial support is expected?
If and only if need be, the consular officer may call for evidences supporting your a)Ability to meet the expenses (Bank Loan sanction letter, Bank savings either SB or FD balances proof and other cash assets), b)Proof that additional funds are available to the family, c)Proof of annual income and /or d)Other documents as the consular officer may deem fit.

Are bank loans accepted?
Yes, Bank loans are accepted as sources of funds for your study abroad purposes. However, the same to be in accordance to the annual income of the sponsor.

Who all can be my sponsors?
Generally parents are considered to be the natural sponsors of a student. Grandparents being part and parcel of the Indian family system can also sponsor a student. If one has enough work experience, then the company with that has employed the applicant can also sponsor.

Can my relative, friend or close associate sponsor me?
Parents being the natural sponsors, it is generally advised that they should sponsor you. However if any of the above is sponsoring, you may have to provide strong evidences in favor of them.

Is it all right, if a company sponsors me?
Yes. A Company can rightfully sponsor you for further studies provided it is permitted to do so by its Memorandum or Articles of association. Such sponsorship is deemed to be meaningful, only if one has gained enough work experience. The company on its part will have to provide documents about its financials and the reason behind sponsoring the student.

Does academic performance and test scores matter?
Yes. As the consular officer is going to evaluate your potential for further studies, through your academic background, it may influence the officers decision to a large extent. Likewise the test scores are also viewed quite seriously as they are supposed to demonstrate your ability to successfully pursue higher studies.

If my academic records/test scores are bad, will my visa application be refused?
Although the academic records and test scores do play an important role in the visa process, the officer at the consulate may still look at your application holistically and may review your profile, due to which you may be granted the visa.

Does the university I am going to important?
Generally the consulate officers are not biased on the universities. However, the consulate officer may want to know the reasons behind your choice of universities. Hence as long as you can convincingly defend your choice it should not be a problem.

Do I need to have a specific career objective?
Yes, you need to have made plans about your long-term career prospects. Only when you now what you want, you would be able to convince the visa officer about your intentions to return and that its a worthwhile investment for you.

Does my program of choice affect my visa prospects?
The program you have opted for should be in accordance with what you have studied and also enhance your career prospects here. You may have to be prepared to convince them, as to how will this program benefit you & the career prospects here.After Sept 11, certain programs are under the alert list warranting a background check. Hence if you have not applied well ahead, your visa application may not be cleared by the time your semester starts.

Can I file my visa application with any consulate in India?
No, for student visa you must either be a permanent resident of the area governed by the consulate where you are applying or should have been a resident of that area at least for the past one year. Currently, the US embassy allows residents of certain consulate offices to apply at other designated consulates/embassy, if getting an appointment in the respective territory is a problem. However one is advised to cross verify on the same, as the rules are subject to change.

How can I convince the VISA officer about my intentions to return to India?
Frankly speaking, theres no pre-defined methods / documents / profiles for success. Your strong communication skills should be oriented towards presenting the true picture about your career prospects, your intentions and the ties to your country, such that the same convinces the consulate officer.

Do I need to have liquid cash for the entire period of study?
No. Liquid assets for the first year of study and access to funds for the rest of your study period would be sufficient. Also kindly remember that the educational loan you would have availed is accepted as sources of funds

Does the source of funding affect my visa?
The Consulate officer may want to know the quantum of money at your disposal for higher studies and hence any source rightfully accumulated should be fine. However one may have to be prepared to explain the same in detail, if queried, and convince the consulate officer.

Would a scholarship help me in the visa process?
To a very large extent, scholarships are considered to be an asset as it demonstrates your worth as a highly qualified applicant. If you have been admitted with a scholarship / financial aid, you need to provide evidence that you have secured the same.

What is the most common ground on which student visas may be refused?
Even though there is no specific reason as to why ones application may be refused, over the years we have observed that when an applicant fails to communicate confidently either about the purpose of studying abroad or the intentions of returning to the home country, the consulate officer may not consider the application favorably.

What does refusal under sec 214(B) indicate?
If ones application for student visa is refused under the above clause, then it could mean that the student was not able to convince the consulate officer on the following: a)that the student intends to return home after the completion of the program b)that the student has sufficient funds to meet his expenses and/or c)the travel is for legitimate purposes.

What does refusal under sec 221(g) indicate?
A refusal for student visa under this category, commonly means that the student did not provide sufficient documents to convince the visa officer or that certain procedure will have to be completed before the consulate officer can take the final decision.

Can I reapply, if my student visa application is refused?
If your application for the student visa is refused, you can definitely reapply, after the elapse of the minimum number of days as prescribed by the consulate office at which you applied.
However, kindly note that, if theres no substantial change in your profile, a reapplication is generally advised.

How many number of times, can I appear for a personal interview?
It depends on which consulate office you have applied to. Certain consulates allow you to appear any number of times and certain consulates restrict the same. Please visit the web site of that particular consulate or check with us personally for details about the same.

If I am granted a visa, does it guarantee entry into the USA?
No. The Directorate of Border and Transportation security has the authority to deny admission to you at the port of entry, if he decides so.Also the Directorate of Border and Transportation Security officials initially determines the period for which you are authorized to remain in the US. The Form 1-94 issued to you at the port of entry notes the length of stay permitted.

I came to know lately, that fewer students are granted visa? Is it due to the change in the immigration rules?
It is not true, in fact visa issuance have gone up. According to an annual report on International students in US (open Doors Report 2003 (IIE). About 74,603 Indian students accounted for 13 percent of the total of 586,323 international students. China was second with 64,757 students.

14 Steps To Get A Student Visa















Will Continue —–

Canadian Visa Checklist

The # 1 requirement is unconditional offer of acceptance from a Canadian college or university


Affidavit of support from sponsors – This should cover the following points:
1. Sponsor’s relationship with the student,
2. Program of study & duration of program to be taken up by the student
3. Amount of money the sponsor is willing to provide the student
4. Sponsor’s source of income and details of family (how many dependants does the sponsor have etc)
Proof of income of Sponsor if he/she is salaried professional:
Appointment letter from company
Salary certificate
Income Tax Returns for the last three years
Chartered Accountant’s valuation of assets
Bank savings should be documented by the following papers:
1. Letter from bank manager stating the account number, name of person operating the
account and account balance as of date.
2. Detailed statements/passbooks showing transactions for at least a year (any large deposits/debits will need to be explained by supporting documentation)
Details of any other investments/stocks/shares/bonds/fixed deposits
Fixed assets – property (land deed, valuation certificate) and car (insurance papers)
Proof of Income of Sponsor if he/she is in Business
Proof of business – registration papers of the company or partnership agreement
Chartered Accountant’s valuation of assets
Balance sheets of the company for the last three years
IT Returns for the last three years
Statement of current account in the bank. Statement should go back at least a year, if not more.
Proof of liquid assets like shares, stocks, other investment
Proof of fixed assets – property (land deed, valuation certificate) car (car insurance papers).
Funds must show that there is enough money for the first year’s tuition fees (amount as specified by the institution) + 1 Year’s living costs (approx. 10,000 CD$). Together with this, the sponsor should show a consistent source of income to support the subsequent year (s) of the student’s education in Canada

English Skill,Tests and other requirements

TOEFL scores UNLESS the student has a letter from the university saying the candidate’s application has been reviewed and he does not need to take the TOEFL
GMAT/Any other test that he is required to do
Marksheets/Academic Transcripts
Copies of his/her marksheets of board/university examinations
Statement of purpose – this document should list out student’s reasons (in a clear, concise manner) for choosing to study in Canada and future plans in India after he/she
completes their education in Canada.
Optional Documents (only for candidates who already have them)
Work experience certificates
Letter from his/her employer granting leave,
If student has arranged employment with any company on his/her return, then they could show the letter of employment.

New Option for Foreign Interns

After years of lobbying on the part of international education leaders, the Department of State posted a proposed change to its J-1 exchange visitor regulations Tuesday that would create a new subcategory specifically for student interns.

“The question is, what happens if a student who is enrolled in a foreign institution of higher education wants to pursue an internship at a U.S. institution of higher education or an affiliated organization like a research institute as part of their studies,” said Victor C. Johnson, associate executive director for public policy at NAFSA: Association of International Educators, which has advocated for such a change for six or seven years now.

“At the current time, it’s not that it’s impossible to do that, but there’s no category in the regulations that applies to those people. So they’ve had to be shoehorned in under other regulatory categories that weren’t created to apply to interns.”

Under the proposed change, foreign students enrolled in accredited postsecondary institutions outside of the United States, or graduates who have completed a program of study within 12 months of starting an exchange, would be eligible to participate in one year-long internship program per degree level. Potential international interns must be able to describe how the internship — which can be paid or unpaid — would enhance their educational programs in their home institutions. The regulations prohibit sponsoring institutions from placing interns in unskilled or casual labor positions, or in those that involve aviation, child or elder care, and patient care or contact (including dentistry, early childhood education, nursing, psychological counseling, social work, speech therapy, sports or physical therapy, and veterinary medicine).

Several international educators said they were still reviewing the proposed rules Tuesday. But overall they were pleased to see that a proposal — long delayed after September 11, Johnson said — was finally in play. “[I]n general this is an extremely positive and significant addition to the college and university student category of the J1 exchange visitor program,” Ann Kuhlman, director of Yale University’s Office of International Students and Scholars, said via e-mail Tuesday. “U.S. institutions of higher education have suggested this addition for the past few years — as we began to see an increase in requests from students, particularly from Europe and Asia, who were seeking internships in their fields at U.S. colleges and universities.”

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