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APPLY: Australia 2021-2022 Postgraduate Research Award Scholarship For African Students


Scholarship Description:

Peter Zelas Postgraduate Research Awards in Australia, 2021-22 is open for Domestic Students, International Students . The scholarship allows Masters, PhD level programm(s) in the field of Medicine taught at Western Sydney University. The deadline of the scholarship is 30 Apr 2021.

Degree Level:

Peter Zelas Postgraduate Research Awards in Australia, 2021-22 is available to undertake Masters, PhD level programs at .

Available Subjects:

Following subject are available to study under this scholarship program.


Scholarship Benefits:
Western Sydney University will cover all study expenses in the following manner:

Domestic candidates will receive a tax-free stipend of $30,000(AUD) per annum for up to 3 years to support living costs, supported by the Research Training Program (RTP) Fee Offset.
International candidates will receive a tax-free stipend of $30,000(AUD) per annum for up to 3 years to support living costs. Those with a strong track record will be eligible for a tuition fee waiver.
Support for conference attendance, fieldwork, and additional costs as approved by the School.
Eligible Nationalities:
Domestic & International Students can apply for this scholarship program.

Eligibility Criteria:

To be eligible, applicants must meet all the following criteria:

Hold qualifications and experience equal to one of the following (i) an Australian First Class Bachelor (Honours) degree, (ii) coursework Masters with at least 25% research component, (iii) a Research Masters degree, or (iv) equivalent overseas qualifications.
Demonstrate strong academic performance in disciplines relevant to medical education and training.
Be willing to travel in Western Sydney and potentially rural Western New South Wales (NSW), Australia.
Be enthusiastic and highly motivated to undertake further study at an advanced level.

Application Procedure:

Awards are issued periodically throughout the year, and each release contains specific application dates and eligibility criteria. For taking this opportunity as a new applicant, you need to submit your application in two steps as the following:

Step 1: Candidates must take admission in the masters or doctoral degree at the university
Step2: Follow the step-by-step instructions on how to apply for a project scholarship page and follow the steps to apply for admission via the Online Application Portal.

APPLY: Oswego Scholarship In USA 2021-2022 For International Students


Scholarship Description:

Destination Oswego Scholarships in USA, 2021-22 for International Students is open for International Students . The scholarship allows Undergraduate level programm(s) in the field of All Subjects taught at State University of New York. The deadline of the scholarship is Open.

Degree Level:
Destination Oswego Scholarships in USA, 2021-22 for International Students is available to undertake Undergraduate level programs at .

Available Subjects:
Following subject are available to study under this scholarship program.

All Subjects

Scholarship Benefits:

The State University of New York at Oswego is providing $6,000 – $9,000 per year, renewable for 4 years, to all international undergraduate students who are accepted by the university.

Eligible Nationalities:

International Students are eligible for this scholarship Program.

Eligibility Criteria:

To be eligible, the applicants must meet all the following/given criteria:

The applicant must be an international student.
The applicant must be enrolled in an undergraduate degree course or subject at SUNY Oswego.
The applicants must be accepted by the university.

Application Procedure:

The applicants must enrol in any undergraduate course of their choice offered by SUNY Oswego through either registering on Common Application or on SUNY Application.

APPLY: Law Scholarship In Architectural Studies In Canada 2021-2022 For African Students


Scholarship Description:

Law Scholarship in Architectural Studies at Carleton University, Canada 2021-22 is open for Selected Countries . The scholarship allows Undergraduate level programm(s) in the field of Architectural Studies taught at Carleton University . The deadline of the scholarship is 01 Jun 2021.

Degree Level:

Law Scholarship in Architectural Studies at Carleton University, Canada 2021-22 is available to undertake Undergraduate level programs at Carleton University.

Available Subjects:

Following subject are available to study under this scholarship program.

Scholarship Benefits:
Each successful scholar will receive the award amount of $10,000 to complete their studies in Canada.

Eligible Nationalities:

China & Hong Kong Students can apply for this scholarship Program.

Eligibility Criteria:

To be eligible, the applicants must meet all the following/given criteria:

The candidate must be a full-time undergraduate international student entering the Bachelor of Architectural Studies.
Eligible students must be admitted from a high school in China/Hong Kong.

Application Procedure:

The candidates must apply through either Carleton University’s official online portal or Ontario University’s Application Centre by registering there.
The candidates must then follow the procedure given by the university to further complete the application until accepted.

How To Pay Bills With Instant Personal Loans

Loans App are very popular among the borrowers, as it is a great solution that helps them to reduce the burden of their loan. Nowadays there are a number of lending companies who have launched their online presence and are providing the loans. The borrower can simply log in to the online application form and with the help of the collateral, he can easily get the desired loans. This type of app is a convenient way for an individual to apply for the loans as compared to physically going to the lender’s place and requesting for the loans.

Loans App can be known as a one stop shop where borrower can fill the online application form for instant loans and the application can be done easily through the Internet. There are various options available with these types of applications. It is necessary for the borrower to keep in mind that the interest rates, the terms and conditions will vary from one lender to another. Therefore it is necessary to compare the interest rates and other charges available with various lending companies so that the choice can be made as per the repayment capacity and other requirements.

Loans App provides the ease of applying for the loans, it gives the borrower an easy time by preparing all the relevant documents required and then just uploading them on the website. It also provides the borrower a complete guide to prepare the loan agreement so that he can make an accurate and transparent document. In addition to this the loans app provides the option to negotiate with the lender for the best deal. Once you enter the key details like the repayment duration, the interest rate, the balance amount etc.

Loans App helps the individuals to choose the appropriate amount of money and pay back the borrowed amount in the easiest way. It is a short term solution which enables the people to meet their urgent financial needs without any complications. These apps are available at a nominal fee and helps borrowers to get rid of the hassle of collecting the loans or making payments. For availing these loans the borrower should have a checking account that has a zero balance and a regular source of income. The amount of the loan depends upon the value of your selected home equity, if you have planned to use the house as collateral for borrowing the loans. The repayment term of the loan depends on the type of agreement entered between you and the lender.

The interest rates charged on the instant personal loan vary according to the lender, as there are numerous lenders available in the real market who specialize in providing the instant personal loan. You should check the rate quotes of different lenders before applying for the loan amount. It is better to go for the loans that have a longer tenure period. There are many websites on the internet which offers information about the lenders who provide the instant personal loans. The interest rates vary from lender to lender, thus it is advisable to compare the rate quotes and choose a loan amount that suits your needs and finances.

It is now possible to apply for the instant loans online by filling up the online application form. The loan amount can be withdrawn from your bank account, though you will still need to pay the customary loan payment dues like any other normal type of loan. The charges and fees that you will incur while making use of the paybook number of your bank will not be applicable. If you are using your mobile phone to pay for the m-pesa app, then you can simply make a payment through your mobile phone using a verified electronic payment or credit card. If you do not possess a paybook number, then you will have to visit the nearest ATM to withdraw the money. It is important to know that the m-pesa app does not require you to have a bank account for availing its services.

How To Get Loans in Business

Loans in business loans given to people for their own purposes. In business, a business loan is the borrowing of money from one or more financial institutions, private individuals, or even other businesses etc to fund a particular business venture.

The debtor is usually obligated to pay back the principal amount as well as the interest rate on that loan as long as it is paid back and until the debt is paid off. The debtor can either choose to take out an unsecured loan, like a personal loan, or a secured loan, like a business loan. Secured loans typically require collateral, such as your home or car, to protect you from getting into trouble when you do not make your payments.

While these loans are used extensively in business, they can be obtained by people in many different ways. For example, a personal loan may be used for a family vacation, personal investments, home improvement, and any other purpose for which you may need money.

There are many advantages to obtaining personal loans. These include fast cash and convenience; you do not have to wait for weeks or months for a bank account to open and deposit funds. You can get money quick and it does not matter where you want to receive it; the money can be deposited in the account of the person giving the loan or the account of the lender of your choice. When you are going to borrow the money from a financial institution, they may charge high interest rates, but when you get personal loans, they are much less expensive.

The same holds true for business loans. You can obtain loans quickly and easily in the business world, especially if you are starting a new business or are expanding an existing business. You also have a lot more options when it comes to the type of loan you obtain. Many banks require the applicant to own the company, or at least control a large percentage of the company. Many lenders will require you to purchase stock in the company, meaning that you have to pay dividends to them as well as keeping up with your business expenses.

In most cases, however, you can obtain business and personal loans from any number of lenders who can provide you with both. The only thing that you need to know is what kind of loans you need for your needs and how much you are willing to borrow.

Can You Get Loans Even With Bad Credit?


For those who are not sure what kind of loan they need, a personal loan is an option to consider. There are many different types of loans that can help with many different needs. If you are looking to purchase a car or home, a home equity loan might be a good choice. If you are interested in buying a home but don’t want to put up collateral, personal loans may be a better fit.

Personal loans can be used for any purpose, large or small. You can finance a home improvement, debt consolidation, medical bills or any other purpose. They are also helpful for those who are starting out and need some assistance in getting their finances together. Since these loans come without collateral, they are even riskier for banks.

An important consideration when applying for a personal loan is to make sure that you understand the terms and conditions associated with the financing. A good lending company will offer reasonable interest rates and payment plans. It’s a good idea to ask about the repayment options from your potential lender. Most lenders have a variety of repayment plans, including monthly payments, grace periods and interest only payments. A financial decision should never be taken lightly; make sure you understand your rights and don’t sign any documents without fully understanding them.

When you go through a bank to apply for a loan, they will take into account your credit rating when deciding whether or not to give you a loan. If your credit rating is poor, this can be a factor in whether or not you receive financing. Poor credit ratings usually stem from missed mortgage payments, default accounts and bankruptcy filings. Banks use these factors to determine the risk of loaning money to you. As such, they charge very high interest rates.

Bad credit scores are a major factor in determining interest rates. However, if you meet specific requirements lenders may be willing to work with you to fix your score. For instance, loan applicants with bad credit can try to negotiate for payment arrangements that lower the overall monthly payment amount. Interest rates also vary between different lenders so shop around for the best deal. Payday loans, cash advance loans and private short-term loans can help you save money quickly without using your credit score to qualify.

Private short-term loans carry a higher interest rate than most other types of loans because they are considered to be high-risk investments. As such, the interest rates are typically higher. However, many borrowers have been able to take advantage of low interest rates by securing their collateral – in other words, by putting their home up for collateral. If you are unable to come up with the necessary down payment, you’ll likely have to pay higher interest rates, but there’s no way you’ll be denied a loan because of bad credit. Lenders understand that these high-risk loans carry a higher risk so it is common for them to be more flexible with terms.

Using the Loans App Properly


If you are thinking of applying for a personal loan, the next step is to ensure that the personal loan you are going to apply for will be approved by a bank. If you are in need of instant cash, you will need to apply for an instant personal loan. Most banks offer instant payday loans. In order to ensure that the personal loan you are going to apply for will be approved, you will need to follow these steps:

Before beginning your loan application, check with your bank or credit union. These institutions hold all the information about your past banking history and should have the necessary information to make a decision about your loan application. In addition to this, they will require you to provide them with proof of income, like pay stubs or current bank statements. The details you provide to your bank may affect your loan application. It is best that you review the details provided to you by the lender before submitting your application.

Before beginning your search for the right instant payday loans app, it is best that you know what your exact needs are. This way, you will know exactly what to expect when searching for a particular kind of loan app. These needs can include things such as instant cash to help you with bills or expenses, pay for unexpected medical emergencies, emergency travel expenses, or even help cover the cost of tuition for your child’s college.

If you are not familiar with the concept of instant loans, the next step is to read through the guidelines offered by the company offering you the instant loan app case. To find a legitimate company, you will also need to check if the company is licensed in the state in which you live. Next, you must carefully research and compare the different companies available in your area. There are several factors that you must consider in choosing a lending company. First, you must determine if the company is able to meet the requirements set forth by your state and if the company will be able to provide you with fast and reliable service.

Another thing that you will want to do in order to make certain that you get approved for the instant loan amount is by carefully reading the terms of agreement. The contract that you are going to sign will be very important because this is where the lending company will outline their policies and procedures on how they will provide you with the money that you requested in the first place. It is important to know and understand all of the details in this contract before you agree to receive the cash. In addition to that, you should also ask for the application fee so that you can be assured that you are getting an affordable price on the instant loan. Lastly, make sure that you completely understand the time frame that you will have to repay the amount that you borrowed.

It is important that you use these techniques every time you need to borrow money from the bank. In addition to that, you should never accept any loan offers that come your way without first understanding all the conditions that they have set for it. If you think that you have an instant approval loan available, make sure to read the terms and conditions attached with it carefully. Once you do this, you will know how to use the loans app properly in order to make the most out of it.

Loan To Friends: The do’s and don’t’s

If your friend is in a tight situation, helping them out with a loan could seem like the right thing to do.

But before you agree to loan out that money to your friend, below are things you should consider.

Is lending money to friends advisable?

No matter how much money you’re lending, a loan between friends could result in serious trouble. Without proper protection, you could lose out on both your money and your friendship you must have built for years.

However, if you consider the right precautions, it could be a really nice and cost-effective way to lend your friend that helping hand they need.

Lending money to friends: do’s

• Agree on the loan terms

Sit down with your friend and agree on both a time span and the monthly payments. That way, you will both have a clear idea of what you are both getting into without any discrepancy.

• Write up a contract with signatures

A contract will help you avoid any conflict or discrepancy down the line. It could be worth getting an independent witness to get involved by signing the contract too.

• Set up a standing order

A standing order will immediately shift the payment from their account to yours on a particular date each month. This will reduce lots of unwanted communication, and it’ll save your friend from ever forgetting the payments too.

• Charge interest

 If you’ve got into your savings or you’re having to save little each month, it’s worth adding a fee to help you increase the costs.

Lending money to friends: the don’ts

• Lend without a backup plan

You should only go into an agreement if you’re confident you can still manage should you not get paid due to extreme situations.

• Assume they can repay you especially without proof

Before getting out the checkbook, it’s worth making sure your friend can repay your loan. Just like a bank checks your financial history, you shouldn’t definitely take your friend’s words without getting some tangible proof to back up their claims.

• Lend to someone without a stable income

If your friend doesn’t have a stable income, there’s likely no guarantee he or she will be able to make pay back the loan. It might seem unfair, but if their financial life looks unstable, your own finances could be at risk by helping with that loan.

What happens if my friend doesn’t repay my loan?

First things first, you should communicate with your friend in case of any difficulties that may arise. Between you two, you could simply figure out what the best solution is if it is becoming a struggle to repay the loan.

Whether your friend needs to take a payment holiday or reduce their monthly payment rate, there should be a way out. Just make sure you update the contract with any changes that occur.

But if they’re totally not willing to pay your money back, you might need to take legal actions against them. If you’ve lent your friend a small amount in thousands, you could take the issue in a small magistrate court. If you’ve lent more in millions, you should seek legal advice from your lawyers on what legal actions you should take.

Using Loan To Pay For A Wedding


Weddings are really some amazing moments in our life. If your personal savings can’t carry the total cost, we examine whether a loan is a good idea for you or not.

If you’re looking into getting married, you won’t be stunned to find that weddings can be really expensive. In fact, the average wedding now stands at around N14,000,000.

While you can find ways to reduce the cost, many couples want it to be extravagant, which can be expensive to afford, factoring in just your monthly income savings.

Can I use a loan for my wedding?

Yes, couples can use a loan to pay for their wedding cost. There isn’t one particular type of loan which is suited for weddings, it largely depends on your situation and financial stability. You could apply for a personal loan, a secured loan, or a guarantor loan to help pay for the cost of your wedding.

It perhaps could happen that you’ve almost reached your wedding budget and you need a little money to help you reach the desired height. Or perhaps you might be looking for a loan that covers the cost of your total wedding cost.

Take a genuine look at what your savings can cover with your own and what it can not cover. Is there a way you can reduce the entire cost? Once you have concluded exactly how much money you’ll need, you can start to look for wedding loan lenders that would agree to give you their money.

Disadvantages of using a loan for a wedding

While using a loan for your wedding can be the only possible option available, there are things you should consider. For example:

• Longer repayment terms

While the loan will make your wedding cost more affordable at the moment, have you thought about how it will be after your big day? Make sure you’re totally fine with the period of your loan contract before you apply for one. And also determine how it might affect your other plans for the period.

• Fixed repayments

Unlike a credit card, you’ll need to repay the same amount monthly. While this can aid with budgeting, it can be stressful if you’re hit by other costs during repayment month.

Advantages of using a loan for your wedding

On the other hand, many advantages come with applying for a wedding loan:

• A fixed interest rate

As you’ll have fixed repayments, the amount of interest you pay won’t change for the period of your loan. That means you won’t be caught out by rising interest payments as well as with a credit card.

• Easy to budget

With the fixed payments rate, you’ll be able to easily plan the costs of your wedding. With a credit card, on the other hand, you might be tempted to spend beyond your available budget cost – which can mean you will have to pay off your wedding cost for longer than you would expect.

• Receive the cost upfront

With a loan, you’ll get the total money you need for your wedding cost upfront – so you can get to start planning and executing your wedding plans.

Can you be denied a Home Equity Loan?


No one likes being turned away even when it comes to financial matters where your hope has been raised as the only alternative to get you out of a situation. That is why it may be unappealing if you are denied a loan from a bank or private lender. So, can you be denied a home equity loan? Definitely, the same goes for business loans, personal loans, and auto loans.

If your application has been denied, then the first thing you need to do is find out why it wasn’t approved. The next is to go ahead and retrace your steps and try to fix what was wrong before reapplying. Finally, you need to avoid doing what must have warranted such in order to wade off denials in the near future if there’s ever a need for a loan.

What is a Home Equity Loan?

A home equity loan is a second mortgage which you obtain from a lender by using the equity in your property as collateral. Equity, in this case, is the share that you actually own in your home if you have relied on a loan to obtain it.

For instance, if you were lent $50,000 to purchase your $100,000 home, then your equity is 50 percent since the lender owns the other half. Since you have an equity of $50,000, you can take that out to be offered as collateral in your second mortgage loan. At this point, it means you no longer have any equity unless the value of your home increments or you start paying the capital of either loan.

A home equity loan has a fixed rate and it can be offered to people with excellent or bad credit score. The interest rate will be higher in comparison to the first loan since the primary lender has more stake and the secondary lender will like to find a way to take less risk. Nonetheless, the rates are much cheaper compared to taking an unsecured loan or a secured loan.

Some benefits of home equity loans are:

  • Tax benefits
  • Low home equity rates
  • Monthly payments are stable
  • Home equity loan is amortizing

Reasons Why Your Home Loan Was Denied

There are several reasons that can be attributed to the denial of a loan and while some have been listed below, it is better to find out from your lender. They will be in a better position to tell you why you were turned down and give advice on how to make the situation. These aside, take a look at the following major reasons.

  • Credit score
  • Income
  • Collateral
  • Too many Debts

1. Credit score:

Private lenders whether online or offline use your credit score to judge if you are credible enough to be entrusted with a certain amount of money. A look is taken at high credit card debts and defaulting on previous loans which is calculated to arrive at a score. Depending on the lender, the minimum score they might require before they lend to you is 580 to even 700.

If your application was rejected because of your credit, then it is your lender’s duty to provide you with a notice of adverse action. In it, the reason will be pointed out whether it is due to your credit from having defaulted. Nevertheless, this might not be the case, given that some of the best home loans companies offer loans to people with poor or bad credits. The only problem is, their interest is usually higher.

2. Income:

The ability of lenders to earn will come from the interest you’ll be paying on  a monthly basis, that is why lenders of a mortgage, personal loans, secured loans, and what have you take a look at your income. Lenders use the debt to income ratio to ascertain if you’re making enough to be able to spend monthly on interest without defaulting.

3. Collateral:

Lenders know that one of the best ways to reduce the risks in their business is to receive collateral. That way, if the borrower defaults, there can be a way to make amends. In such a case, a secured loan will be issued even though most people may require an unsecured one where their property is not tied to it. If your collateral is not equivalent to the amount you’re going to borrow, then your application can be rejected.

Likewise, if you’ve opted for a small business loan, you may be required to run your business for at least 1 year before your loan can be granted. This and many more are what Federal and private lenders take a look out before finally giving you some money.

4. Too Many Debts:

If you’ve taken a Federal loan, private loan, and still looking for another, your lender might think twice. Likewise, if over 43 percent of your income is spent on debt, then the lender will be less than willing to oblige to your request because the higher your financial responsibility, the harder it is to manage. On the other hand, there are lenders that offer consolidation where your debts can be merged to form a new one on a different interest rate.


Now that you know that you can be denied a home equity loan and the reasons why that could be, you can be better positioned before applying. Alternatively, if your application has been rejected, then improve your credit score while you source around for some of the best lenders that approve people with bad or fair credits.