The idea of studying a course in another country is an exciting one which gives you many more prospects and a broader view of the world than you would get by simply studying in your own country.

But it is important to make sure that you research the steps required thoroughly when you are considering the option, so that you make sure you take all the right actions at the right times. If you are accepted into a foreign study program you will need to have the time to arrange where you will live and how you will fund your studies and day to day living expenses while you are there, so it makes sense to get all the proper steps in place as soon as you can.

If you are interested in studying abroad you should ask at your local college or university to see whether they already have a foreign study program in place for students to take advantage of. Many do, and they will be able to take you through what is required and how to apply. Some programs are longer than others, and local schemes may allow for you to study in another country and incur no extra course costs by doing so – ask at your individual university to find out.

Every college or university will have its own requirements which you must meet to be considered for inclusion in their foreign study program. You also need to find out when the deadlines are to apply for such a program; you might find you have to apply twelve months before the program actually begins. If you don’t plan ahead and decide a couple of months beforehand that you’d like to apply, it may be way too late.

There are two main ways in which applications will be received, and it’s important to find out which one applies in the case of the foreign university or college you wish to go to. Some may accept applications directly, in which case it’s a good idea to visit their website and download the appropriate papers to read and fill out.

The second method is to apply through Education Agents who already have good connections and agreements with specific foreign institutions in certain countries, and if they do this is by far the best way to proceed.

The most important point to remember in any case is to check whether or not you are eligible to apply for the course you want to study. There are sometimes fees to pay for applying and they are not always fully refundable, so to make sure your money is well placed before you take the time to fill in any kind of application. Your tutors can also help and advise you on the best courses and locations to apply for.

Studying abroad is certainly a thrilling experience, but you must make sure you follow the correct procedures in order for it to become a reality

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In the last few years the number of Indian students going abroad for higher education is increasing day by day. A large chunk of students travel overseas to get a degree in an array of educational streams, management, engineering, medicine, fine arts, information technology, among others. The charm of getting a foreign degree assumes significance as it not only equips a student with the relevant skills and training but it also enriches one’s experience by exposing these students to a global culture. And getting a foreign degree or a diploma is becoming far more accessible today. This is because many countries have opened up special departments and cells in India itself to provide full assistance to the budding professionals in fulfilling their educational dream. These departments – many of them working under the aegis of their respective embassies – are providing invaluable assistance regarding admission, visa and living. Not only this, the number of foreign destinations where students can go in for higher studies have increased manifolds in the last five years or so. And with educational loans readily available students are making a beeline to study at the college and university of their choice.

Although, the US and the UK are still the favourites followed by Australia, France and Ger many, many more destinations have joined the ranks. We provide you with a list of some sought after education destinations.

The US
Students can source information regarding education in the USA from the United States Educational Foundation in India commonly called USEFI. Admission Tests for the US: Most American colleges and universities require scores from one or more of the standardised admission tests. Students may visit individual college websites for information on admission requirements. International students whose native language is not English are required to take the Test of English as Foreign Language (TOEFL). A few institutions may accept scores from other English language examinations.

Students aspiring to pursue undergraduate studies in the United States will be required by the universities to take the SAT Reasoning Test and the SAT Subject Tests. Most graduate departments require students to take one or more of the following: GRE – Graduate Record Examination (general test); GRE – Graduate Record Examination (subject test); GMAT – Graduate Management Admission Test; and TSE – Test of Spoken English Programmes in law, medicine, dentistry, and veterinary medicine require: LSAT – Law School Admission Test; MCAT – Medical College Admission Test; DAT – Dental Admission Test; PCAT – Pharmacy College Admissions Test and VCAT – Veterinary Aptitude Test.

In addition, there are a few other tests that students can take, depending on their requirement. These are: USMLE – United States Medical Licensing Examination; CGFNS – Council for Graduate of Foreign Nursing Schools; CPA- Certified Public Account Accountant Examination.

The United Kingdom
The most popular undergraduate qualifications are the Bachelor’s degrees (also called undergraduate or first degrees), which are now required for entry into a wide range of careers in the UK and other countries. British degree programmes incorporate the most up-to-date subject developments. Many universities and colleges now co-operate to deliver degree courses, and this has further increased the number and variety of courses and study environments. For English proficiency one has to take IELTS or International English Language Testing System.

Undergraduate and postgraduate applications are processed through the UCAS (Universities and Colleges Admissions Service), a centralised clearing agency. UCAS forms are available on UCAS website. UCAS is working towards a 100% electronic application system, called ucasapply. UCAS Apply is a secure web-based online application system for all students (UK and International). The key message from UCAS is for all international students to move as rapidly as possible from the traditional paper-based method of application to UCAS Apply electronic application.

Australia
The latest enrolment data for year to date (YTD), August 2008 shows that over 80,000 Indian students had enrolled to undertake an Australian qualification in 2008. India is now the second top source country for Australia’s international education industry. Many Indian students are studying mainly in the fields of postgraduate studies. This contrasts with less than 500 Indian students in the early 1990s and the 10,000 Indian student enrolments in 2001.

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There is quite a selection of top notch schools from which to choose to attend university abroad. Australia, New Zealand and Fiji, in particular, offer some of the finest programs for students interested in both a quality education and rich cultural experience. There is a wealth of programs from which students may select the ideal school, degree and scheduling to meet their needs.

Why Attend University in New Zealand, Fiji or Australia?

Globally recognized for outstanding curriculum and teaching standards, these institutions offer challenging and engaging programs that allow students to fulfill their academic goals through active learning. Rather than focus on rote memorization, students are encouraged to think independently and explore subjects in depth.

Students interested in pursuing a full degree will be happy to learn that unlike many North American institutions, degree programs in Australia and New Zealand are focused and do not require completion of un-related electives. With these electives absent from programs of study, it typically takes less time to earn a degree from a university in Australia or New Zealand than from a school in North America.

Whether seeking a degree or short term study, there are also long term benefits to attending university abroad. New Zealand, Australia and Fiji programs are recognized for academic excellence. In addition, the experience of studying abroad in these nations provides students with a global perspective greatly desirable to potential employers.

For those desiring extended academic careers, there are long term benefits as well. A degree earned from a University in New Zealand or Australia is easily transferred and recognized by institutions in a student’s home country. The process of integrating a degree earned from a university abroad; Australia or New Zealand, is not overly complex. Students can pursue their academic goals and work towards post-graduate degrees confident that their experience at a university in New Zealand or Australia furthers their knowledge and academic careers.

Finding the Right School

For students choosing to attend university abroad, New Zealand, Austalia and Fiji offer many choices. The key to finding the right school in any of these nations involves matching your schedule, interests, and academic goals to what is offered. By matching your needs and goals to the programs and culture of a school, the experience of attending university in Australia or the other countries else is more likely to be a good fit.

Those seeking a semester-long experience can choose from programs offered at a university in Fiji, Australia or New Zealand. Students preferring a longer period of study or those that wish to earn a degree have many options available from a university in New Zealand or Australia. It’s a matter of researching the available programs to identify your best fit.
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Many people around the world are trying to find the answer to the question: “How do I find a sponsored job in Australia?”.

Finding an Australian employer to sponsor you can be the most difficult part in emigrating to Australia. Most people search for a sponsor by applying to adverts on job search websites or in newspapers. Did you know that only an estimated 30% of all jobs are advertised here? There are theories that around 70% of all jobs in Australia are found in the ‘hidden job market’, meaning they are not advertised through the usual media channels.

This article will give you a plan, using several steps, of how to tap into the hidden job market in Australia, and to help to make your dream of emigrating to Australia become a reality.

1. Do Your Research.

You will not often find Australian employers advertising that they are looking for someone to sponsor from overseas. The main reason being, if there is someone with the required skill set in Australia, it is easier for the Australian employer to offer a job to someone who is already established in Australia and can start work immediately – in comparison with employing a foreign national and going through the sponsorship process, the cost involved and the time delay for the sponsored individual to commence employment in Australia.

You are also unlikely to find an Australian employer to sponsor you through the use of a recruitment agency,unless that recruitment agency specifically mentions in their job advertisement that the Australian employer is willing to sponsor the right candidate.

Search out companies in Australia whom you would like to work for. In general, larger companies in Australia are more likely to sponsor people from overseas than the smaller companies (due to budgets and business scope), however you should not strike out the smaller companies, as some are still willing to sponsor the right person. Wikipedia provides a list of Australian companies. You can also research the Yahoo Companies Directory to find companies in Australia to approach for sponsorship. The advantage of Yahoo is that they have categorised the companies for you to make it easier to find what kind of company you are looking for.

Contact these companies that interest you, sending them your resume / CV and enquire as to whether they have any opportunities available. Many of the larger companies tend to have a “Careers” section on their website, where they enable job seekers to search for their current vacancies, and also to submit their resume and cover letter into their database. This way, if they do not have a current vacancy that is suitable to your experience, they can call upon their database when a position does become available, and contact you.

2. Global Companies

Search out global companies who are based in both your home country and in Australia, and find out whether they offer transfer opportunities – quite often global companies do. Even though it might mean working in your home country for a period of time before an opportunity arises in Australia, it is worth it in the long run, if it means you can emigrate to Australia through that company. Global organisations also tend to look impressive on your CV / resume.

3. Keep a Record

Keep a list of the companies that interest you, and contact them all. I recommend phoning to speak to the manager of the department you would like to work in. If that fails, speak with the Human Resources department. Find out whether they are a company who are willing to sponsor someone from another country with the right skill set. Find out how often they destroy applications /resumes / CVs as well – most companies in Australia hang on to applications for 3-6 months, so to be safe, you should follow up your applications every three months. Keep a record of all of the dates you apply for jobs and speak with the company, for ease of keeping on top of your Australian job applications.

4. Plan a Trip to Australia

Once you have quite a healthy list of companies you would like to work for (no list is too long), and have applied and spoken to all of them, you should plan a trip to Australia where you can meet with each of the employers. If you are unable to set an appointment with every employer, make a plan to visit the company anyway, dropping off your updated resume, and try to get in front of either the department manager, or a Human Resources Manager.

Through making this vital connection with the Australian employers, you reach them on a personal level, and if they like you, they are more inclined to consider sponsorship than if they had not met you at all.

5. Volunteer Work Experience

If you are able to, when you visit Australia, try to line up some volunteering work with some organisations in Australia. Companies that are most likely to accept volunteers are charitable and non-profit organisations. Approach them and set it up before arriving in Australia so you can build it into your plan for your trip to Australia. Also ensure that you are volunteering in the area of your profession. It will be to your advantage if you have experience working in Australia when you are looking for a sponsor, even if it is volunteer employment. “Non Profit Organisations Australia”, has a comprehensive listing of non-profit organisations in Australia by state / region / city or town, and is a great place to search for possible companies to approach for volunteer work.

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Studying Law in the professional environment of Australia provides a lot many opportunities to students. The biggest temptation for students to join law courses is the bright future of law students. These courses bring along status, prestige and wonderful employment opportunities.

Law schools in Australia provide legal training across many areas so open doors of variety of sectors like politics, business, international law, intellectual property law, banking and legal studies related to sports, health, and the media. If you have already graduated in any other discipline then your law degree would be of three years. After secondary schooling degree would probably take four to five years for completion.

Many schools allow you to take ‘double degree’: that is, in a five years period a student undertakes two degrees in parallel – one of them law and the other might be Arts, Commerce or Science. In that case, you would finish your tertiary education in Australia with two degrees. Main universities and schools of Law are following:

Monash university- Victoria-Melbourne: Monash University is among the top three universities of Australia. Studying law at Monash offers a lot of flexibility to students. Monash provides in-depth coverage of all sectors related to law. The impressive resources and reputation of Monash University is bound to escalate the career growth of all students. The staff at Monash helps in developing critical thinking and skills for research and analysis. Monash Law is a high quality, innovative course for a changing world and produces graduates for Australian and international employers.

Murdoch University- Perth: Murdoch University has a progressive outlook and is totally committed to quality. These factors make Murdoch’s Law School the natural choice for students from whole world interested in a career in the Law. The curriculum of law school has been moulded to meet the needs of our modern society. Course is having a strong international perspective so offers opportunities across the world. Many of the ex-students of this university work with organisations such as the United Nations, in places such as Kosovo and the Gaza Strip with the United Nations Peace Keeping Force, and in New York at the United Nations.

University of New South Wales-Sydney: UNSW Law School graduates are held in the highest regard in Australia and overseas. UNSW has got international recognition due to large number of its students getting Rhodes, Fulbright and other prestigious scholarships every year. The Law School has had 5 Rhodes Scholars in the last 7 years – an achievement which is not matched by any other university in Australia. University offers various courses like Law in information age, Sport and law in western world, Cyberspace law, Criminal law, Children and law, commercial law, Disability rights and law, Industrial law, Insurance law, Media law, Public interest litigation, Laws of banking, Social security law and Sports law.

University of Sydney: University of Sydney has one of the world’s finest Law Schools. Sydney Law School is famous for its commitment to excellence in legal education. This was the first Law School to be established in Australia. University concentrates on small group teaching of its undergraduate programs and the extensive range of postgraduate programs. Special emphasis is given on international and comparative law.

Bond University: One of the Top-Ranked Australian Law Schools, it was the first private university of Australia. The Bond Law School provides a wide range of undergraduate and postgraduate degrees which will surely equip you for careers in the legal profession, business and government. The School has expertise in all major areas of law. Faculty of law is in Queensland. Bond was listed by Forbes as one of the most expensive universities of world and the most expensive university of Australia for 2008.

Other important law schools include- University of New England- Law School, University of New Castle- School of Law, James cook University and Flinders University. All the universities specialize in one or more disciplines with in Law. So Australia is the best choice if you are interested in making a career in the field of Law.

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It is difficult to compare the rewards one can gain from studying abroad with anything else. The experience can change your perspective from being local to global and your attitudes to international. Not only that but you will likely gain memories and friendships to last a lifetime.

Interestingly though, one of the biggest barriers causing students to decide not to study abroad, is that they believe it would be too expensive and or too difficult. The overseas students who do decide to study abroad and utilise the services of an education agent are often very surprised at how easy it was to organize, and also at how affordable it can be.

The following information is a useful and will likely provide some good tips and advice for prospective overseas students looking to study abroad. Although the following information can be useful, it is recommended that students see a qualified education agent to ensure they receive up-to-date and current study abroad advice tailored to their specific needs and circumstances.

Why study abroad?

There are many reasons people choose to study abroad:

• Language acquisition – The world market place is shrinking and many companies now look for or require staff that can speak a second language. For students in Thailand or Asia where English is a second language, being able to speak English can be a significant advantage in the competitive labor market. Not only is being able to speak a second language such as English important from a career perspective, but it is also invaluable from a real world perspective.

• Practical experience – Study coupled with work experience can be an ideal way to gain some real world experience. Many students are surprised to find out that in many countries such as Australia they are free to work and gain an income while studying (currently at the time of this article being written it is 20 hours per week with a student visa). When this is factored into the cost of studying abroad it can significantly reduce the expense and studying and working overseas can be very affordable.

• Career Advancement – International experience is much sort after by many employers as a critical asset for prospective employees. Study abroad shows that you are resourceful, adventurous, internationally minded, and diverse. In addition, in many countries such as Thailand it is extremely competitive and expensive to gain selection to a highly respected university. By not gaining selection to a top university you may be limiting your career potential unnecessarily. Study abroad is another option however which will allow you to studying overseas in a country such as Australia and gain English language skills and once completed will see you just as attractive or more so to potential employers not only in Thailand but around the world.

• Experience of a lifetime – In a couple years you may forget a lot of what you have studied in high school and university but if you study abroad you will never forget the friends you made or the incredible experiences you shared.

How do I find the right Education Agent for me?

Once you have made the decision to study abroad you may then want to find an education agent to guide you through the process. But what should you look for in finding the right education agent for you? There are many education agents and this task is not as easy as it sounds, but if you follow the tips below you will be on the right track to finding an agent for you:

1) Look for an education agent that are members of peak body organizations in not only your home country but also the country you intend to study. By doing this you can be more confident the agent you have selected is professional and trustworthy. For example, students from Thailand wishing to study in Australia should select an agent registered with the Thai International Education Consultants Association (TIECA) in Thailand and the Qualified Education Agent Counsellor Database (QEACP) in the destination country Australia.

2) Prospective international students should also look for education agents which have registered business’ and offices in both their home country and the destination country. In the example used above this would require the agent to have a fixed business address and offices in both Thailand and Australia. By ensuring your education agent has an office in your home country it will be far easier, and probably quicker, to organise the necessary paperwork before you are able to study, including visas and school enrolment. In addition, by checking your education agent has an office in the country you intend to study, for example Australia, you can be assured that when you require support or assistance, with such things as visa renewal, you will be able to access this a lot more easily. More education agents should provide such support services free of charge if you have enrolled with them prior to coming to Australia. It is important to check this however or you may be charged for basic support requirements, such as writing to your school or government departments in relation to visa issues.

3) When looking for a good education agent students should also ensure that the agent they select provides accurate advice regarding educational institutions and does not simply refer you to schools or universities which they receive the largest commission from. For example, some agent have been known to push their students to a small number of schools so as they can receive a larger commission from the schools in question. The best way to ensure this does not occur and that you go to the best school for you, rather than the agent, is to follow Point 1 above and ensure the agent is registered with appropriate authorities. The education agent you select should work with you to discuss your own personal interests and circumstances and from this develop a tailored and individualized study plan for you. For the majority of people this should mean the agent is able to give you a number of alternative study options for you to choose from, rather than just one or two.
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Once you have decided to have an Australian holiday, the next thing to consider is to get your Australia visa. Before you could even think about scuba diving, outback tours, and lying in the pristine beaches, you should first consider getting an Australian visa. Listed below are some helpful guidelines regarding Australia visa:

Who Needs an Australian Visa?

For your Australia holiday, you and your company would be required to have a visa so that you could enter into Australia. Some exceptions to this are if you are holding a New Zealand passport or if you are simply continuing your trip within 8 hours of your arrival while in possession of a valid onward plane ticket and if you are not departing from the transit lounge. You also need to remember that each Australian visa has to be acquired before your actual departure towards your Australian holiday. You would not be permitted to board your plane without presenting a valid visa or ETA as well as your passport and other travel documents.

Which Australian Visa is Required?

Due to the country’s natural beauty, unique charm, warm climate and its fast growing economy make Australia one of the most ideal places on earth to establish a business, work, live or simply visit.

Suffice it to say that there are plenty of Australian visas that could allow you to enter Australia. It is absolutely vital that you have obtained the right visa for yourself and your company, which would cover your intended stay as well as the purpose of your visit to Australia.

Tourists in Australia are required to have a travel visa. If you want to go to Australia with the intention of sightseeing, visiting friends or relatives, as well as other non-working activities, what you would specifically need is either an ETA Short-Stay Tourist Visa or a Long-Stay Tourist Visa. But then, if you also want to travel to Australia for business purposes, you would need an ETA Short-Stay Business Visa or a Long-Validity Business Visa, depending on the length of your stay.

Because you are planning to have a fantastic Australian holiday, you could apply via the internet for an Electronic Travel Authority visa, otherwise known as the ETA visa, before you embark on your Australia holiday. This Australian ETA is an electronic visa for visitors who are going to Australia for either tourism or business purposes for a visit that will not last longer than three months. This is an electronically stored authorization for travel to the country and therefore, you would not need any paper documentation, labels or even a stamp issued in your passport. This would be digitally assigned to the passport number that you supplied during your application.

Similarly, if you are planning to work and live in the country on a permanent basis, you could also apply as an immigrant to Australia via the Australian General Skilled Migration Program. This program intends to match some skills shortages in the country by luring skilled migrants who would be able to create an immediate contribution to the economy of Australia. Or if you are planning on studying in Australia, you could also obtain a Student Visa.

An Australian holiday is undoubtedly a hit for most people because it offers some spectacular sights and great adventures. You could anticipate a fun-filled and relaxing Australia holiday. Prior to your Australia holiday though, you need to process your Australia visa first. The type of your visa would still depend on your purpose in visiting Australia. If you truly want an Australian holiday, get a travel visa real fast so that you could finally step foot and roam around this beautiful continent.

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Just ask yourself: Why would anyone want to study in Australia? The answer is simple: Australia is one of the most beautiful and distinctively unique countries in the world and the quality of the educational facilities are second to none. So, what more could you possibly ask for?

Australia is the largest island in the world and all the major cities are located on the coastline, from Perth in Western Australia to Adelaide in South Australia, with Melbourne, Sydney and Brisbane all located on the eastern seaboard.

Not only is Australia world renowned for its pristine white beaches, temperate climate, friendly and welcoming locals and vast array of unique flora and fauna, it is also well known for the high standard of educational opportunities.

Over 130 nationalities call Australia home, making it one of the most multicultural countries in the world, with a rich blend of languages, architecture and cuisine adding to the cultural diversity.

For the hundreds of thousands of international students who have chosen to study in Australia, there is an abundance of experiences to explore – from the tropical wetlands of North Queensland or the Barrier Reef to the natural majesty of Uluru (Ayers Rock) or the man-made architectural icon that is the Sydney Opera House.

Why Study in Australia?

The predominant language spoken in Australia is English, so students who want to study English in Australia have the perfect testing ground. Besides, Australia also offers a wide range of educational institutions where overseas students can learn English in a friendly and open learning environment.

Over 12,000 courses are offered by the Australian educational system, all of which are of world class standards and recognized internationally.

It’s hardly surprising that Australia is the first choice for many international students, especially those from South East Asian nations who wish to study English in Australia.

Australia has one of the highest standards of living in the world, and the tuition fees and living costs are cheaper than in comparable countries like the US, UK and Canada. In addition, Australia offers a safe and student-friendly environment with a cultural diversity that is rich enough to enable students to integrate comfortably into the Australian way of life.

The Australian tertiary education system is standardized across the country and all educational institutions, from Australian English Colleges to Vocational Training Centres to Universities must be registered and adhere to strict guidelines set by the Australian Education Board, which ensures the highest standards, ethics and quality across a broad range of internationally-recognised education.

Living and Learning in Australia

The living costs to study in Australia differ from student to student, based on their lifestyle and accommodation choices.

While the standard of living in Australia is relatively high, the cost of living can be very economical if you make the right choices. Students who want to study in Australia can choose from any number of accommodation options – from living on-campus with all meals catered for, to shared student accommodation to Homestay (where the student lives with a sponsored family), or budget guesthouses and boarding houses.

The tuition costs for choosing to study in Australia also vary across a broad range, depending on where you study and which courses you undertake. Tuition fees for international students who study in Australia are GST (tax) free and the majority of tuition fees are charged up-front, so you know in advance what you are up for.

Students who want to study English in Australia can pay as little as a few hundred dollars for a short course via one of the many English Language Colleges up to AU$14,500.00 for a University level Australian language course.

Vocational courses range in price depending on the number of years it takes to complete the course and whether your goal is a Certificate, Diploma or Advanced Diploma. The same applies for University courses.

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It pays to know how much higher education costs abroad when you are considering a semester or year of college overseas in Australia or New Zealand. Just like attending college or university in the United States or Canada, New Zealand and Australian college costs will include tuition, books and living expenses, but there are a few additional costs that are special to study abroad programs of which you will want to be aware.

As in the United States or Canada, the tuition that you will pay for a study abroad in Australia or New Zealand program will vary by university and the program you will study. In general, a bachelors degree in Australia or New Zealand will run from $11,000 to $23,000 in United States dollars, depending on the area of study selected. Specialized degrees such as a Bachelors degree in Veterinary Science will cost from $19,000 to $40,000, while a law degree will average from $17,500 to $36,000. Masters degrees, as is the case in the United States and Canada, are more expensive, ranging from $13,000 to $27,000 for the two years course of study, with an additional two years of PhD level study costing between $2,500 to $25,000. A medical degree from Australia or New Zealand can average anywhere from $35,000 to $50,000, whereas an MBA comes at a cost of $17,000 to $50,000.

There are other costs involved with college in Australia or New Zealand that you would not ordinarily have at a home college or university. Prominent in this category is the student visa. The student visa allows you to legally study in the foreign country, and may also allow other privileges such as working in the host country and access to health care, but this varies by country. Student visas are less expensive for New Zealand than Australia, with the Kiwi visa available from zero to $170 United States dollars, and the Australian visa ranging from $450 to $515. The good news is that with a student visa in Australia or New Zealand, you are allowed to work up to twenty hours per week during the academic year and can even work full time during breaks between semesters, to help defray costs.

Other ordinary costs for books and living expenses should be added in when you consider the cost of study abroad new zealand, according to a 2007 cost comparison, was the least expensive country for student living expenses, coming in at $8,958 United States dollars per academic year. Students studying in Australia can expect to pay $11,322 annually, while American students pay the most at $12,362 per year. If you plan on additional travel or take part in entertainment, you will want to allocate additional funds for this purpose. Books in both countries range approximately $500 per year. Roundtrip airfare will run around $2,000.

For additional help in finding funding for your study abroad in Australia or New Zealand, contact your college financial aid office.

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