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S T U D Y A B R O A D

Manuel

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Faq

FAQ

Frequently Asked
Questions

Study Abroad Manuel is an international student recruitment agency, and what we do is help process admission into partner colleges and universities in top tier 1 countries in the Schengen area. We provide career counseling, Admission Formalities, and visa-processing services.

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Admission takes between 2-4 weeks. Study Visa Processing takes between 6-8 weeks

Consider cost, language, safety, work options.

Contact your school, embassy, or local legal aid.

No limit but age or gap may affect your options.

Yes. Conditional or full admission is required.

Combines study with paid work experience.

Thesis if you want research or PhD later.

If you have a valid admission and meet the academic criteria, you likely are.

Check the country’s visa rules and your course level.

Many top schools offer partial or full scholarships.

Colleges often offer diplomas/certificates; universities offer full degrees.

-No need for upfront proof of funds
-Easy monthly repayment plans
-Covers tuition + living costs
-No co-signer (for MPOWER)

Mostly for Bachelor's and Master's. PhD options are more limited.

It’s a financial aid option that helps cover your tuition and living expenses while studying abroad. You borrow money now and repay it later, typically after graduation.

Mostly for Bachelor's and Master's. PhD options are more limited.

If required, a close family member or trusted contact with financial stability.

It depends on the school and course you’re applying for. Some banks might require a higher GPA.

Usually 10–15 years.

Often no. The loan replaces the need for large financial proof.

After approval, and once your school confirms enrollment.

Explain the benefits, costs, and safety plans.

Yes, if you meet admission and visa requirements.

Usually 18–35 but older students can apply too.

Canada, UK, Australia, Germany, Ireland.

Some schools accept lower GPAs with strong supporting documents.

Check the official government or school websites.

A scholarship is free money—you don’t repay it. A loan must be repaid after your studies.

Yes, if you meet transfer conditions.

Usually transcripts, passport, SOP, recommendation letters.

Varies by country — most have September and January intakes.

Any student accepted into an eligible institution and program. With MPOWER, you don’t need a co-signer or collateral. Study Abroad Manuel loans usually require proof of admission.

Yes, many schools allow deferment.

MPOWER: USA & Canada
StudyAbroadManuel: USA, UK, Canada, Australia, more (based on school partnerships)

MPOWER: No
StudyAbroadManuel: May require a co-signer depending on the partner bank.

No. You need at least a conditional offer to begin the loan application.

Generally, no, unless you receive extra funds as a disbursement.

You can cancel the loan with no penalty.

Yes, before disbursement.

Canada, UK, USA, Australia, Ireland, Germany.

Use student health insurance or national health plans.

Yes, you can. Officially, you are allowed a maximum of 16 working hours per week. However, you are allowed to create a business as a Freelancer and work unlimited hours.

Canada, Finland, Ireland, New Zealand are safe choices.

MRes = research-focused; MSc = taught with some research.

Yes, Your dependant is allowed the same working hours as you

Options include Germany, Norway, Sweden, some parts of Europe.

Some UK, Canadian, and European schools accept lower grades.

Often yes, unless you meet exemption criteria.

MPOWER: No collateral
StudyAbroadManuel: Varies, most options don’t need collateral.

Yes, especially if only English proficiency or transcripts are pending.

- Admission letter
- Passport
- Academic transcripts
- Proof of income or sponsor (if required)

No. You can pay off early without penalty.

MPOWER: Fixed
StudyAbroadManuel: Depends on lender

Degree with a work placement year.

Yes. Only partner schools are eligible. We’ll help you check before applying.

Typically, undergraduate and postgraduate programs in business, tech, health, etc. Some short or unaccredited programs may not qualify.

Generally speaking you cannot, you need to pay your tuition fees all at once, However, Bachelor students can pay their first year fees at once, and the remaining years can be paid on installments

Use campus support, report issues, know your rights.

Undergraduate = Bachelor’s; Postgraduate = Master’s/PhD; Diplomas/Certificates = shorter focused courses.

Good if you have a diploma/HND and want a Bachelor’s.

Finish your degree faster with intensive study.

Conversion Master’s or Postgraduate Diploma.

Study two degrees at once or split between schools.

Yes, many accept students from other fields.

Yes, if the university offers it.

Yes, for experience and employability.

Yes, part-time jobs are allowed.

Usually 20 hours/week during study; full-time during breaks.

Yes, but they are highly competitive.

A bank statement showing you or your sponsors have a minimum of 11,800 euros is sufficient for the proof of funds. There is no need to keep the money in bank for a month

Public universities in Germany, Norway, some EU countries.

Follow each scholarship’s specific guidelines.

Average cost ranges from $10,000–$40,000 per year.

Tuition, living expenses, books, insurance, and sometimes travel costs like flights—depending on the loan provider and approval.

Yes, it can, depending on how much you're approved for. You can request full or partial coverage.

Depends on country/program — often $8,000–$20,000 yearly.

Based on your total loan and terms—calculated after approval.

Typically first-year deposit is 20–50% of total tuition.

An upfront payment to secure your place.

Search school websites, government sites, and scholarship portals.

Not if the lender issues a loan certificate or letter.

Answer: Usually $1,000–$5,000 or a percentage of tuition.

It helps, but plan to have savings too.

Up to $100,000 (USD or equivalent) depending on your program and provider.

Minimums vary. Maximums can reach full tuition + living cost.

Many schools offer instalment plans.

Transcripts, SOP, recommendation letters, proof of income

Average $800–$1,500 per month depending on location.

Some students use family or sponsors for proof of funds.

Directly to the school, with any extra balance sent to you.

MPOWER: Fixed rate from 12–13.99% APR
StudyAbroadManuel partners: Varies, often competitive.

MPOWER: Interest-only while in school, full payment 6 months after graduation.
StudyAbroadManuel: Usually starts after graduation or a short grace period.