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PG through distance mode

PG through distance mode
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I want to pursue post graduation abroad and I need 16 years of education, but I just have 10+2+3 years of education. I want to do a PG diploma in...

pg2I want to pursue post graduation abroad and I need 16 years of education, but I just have 10+2+3 years of education. I want to do a PG diploma in Journalism for a year so that I can fulfill the criteria. I work and want to continue to work. Can you please suggest an open university from where I can get diploma without quitting my job?

- Preeti Paramesh, Vizag

It's good that you want to upgrade your media skills to meet the requirement of 16 years of undergraduate education. There are quite a number of colleges offering a PG diploma in Journalism, they are

- School of Journalism and New Media Studies (SOJNMS) established by IGNOU, this school mainly emphasises on the application part of the curriculum and its electronic media production centre (EMPC) is built with technical and financial aid of the Government of Japan. The fees for this course is Rs 3,500 and the course requires two years of experience in media/communication organisations in positions such as script writer, reporter, sub editor, photographer, technical Assistant, PRO etc. http://www.dec.ac.in

- Acharya Nagarjuna University Centre for distance education, Guntur (http://www.anucde.com/). It is accredited to NAAC and is UGC recognised. Fees is Rs 4595

pg3- Madurai Kamaraj University, recognised by DEC, http://mkudde.org /courses_pgdip.php

- Amity School of Distance Learning, has been ranked the top institute for distance learning by the prestigious B-School Ranking Survey, fee is Rs 13,000.

- Dibrugurh University, Assam, dibru.ac.in

- Nalanda Open University, Patna, Bihar, http://www.nalandaopenuniversity.com

- Fakir Mohan University Directorate of Distance and Continuing � Balasore

- Bharitiya Shiksha Parishad, Lucknow, http://www.bspuplko.org

- BBK DAV College for Women, Amritsar Allahabad Agriculture Institute Distance Education.A aaidudec@aaidudec.org

- Kurukshetra University, Kurukshetra,Haryana

- Allahabad Agriculture Institute Distance Education, aaidudec@ aaidudec.org

How do I avail of edn loan?

I am a brilliant student who hails from a middle class family. I have got an admission in UK university and am keen on pursuing it. However, who can I approach for a study loan? My parents are not highly qualified and are scared of going for education loans. Can you please tell me to what extent I can get a loan, the kind of interest rates it takes, etc - Prajay Reddy, Karimnagar

pg4If you have succeeded in getting an admission in the UK, then without a second thought apply for a study loan, convince your parents by assuring and taking the responsibility to repay it once you finish your course.

- To start with, calculate precisely all your expenses, say, your tuition fees, number of years of study, boarding and lodging, travel expenses, etc. and decide upon the exact amount of loan to be applied, to meet your requirements.

- Next, choose a bank. Decide whether you should choose a Government bank or a private bank for taking the loan, as both have their advantages and disadvantages. Usually Government loans comparatively have a lesser rate of interest and also Government banks are more trustworthy as the interest rate and terms are decided by the Reserve Bank. On the other hand, the private sector banks offer loans with different features and they process the loan hassle free, as the employees are customer friendly. Therefore a thorough research on all the terms and conditions regarding the payback etc should be done before going for such loans. Log on to http://www.successcds.net/Educationloan/Education_loan_Banks.htm, to get an overview of banks providing study loans in India for overseas education.

- Third step is to find out how much loan you can get for overseas studies, on an average, banks lend a maximum of Rs 20 lakh for studies abroad. Loans are usually sanctioned against fixed deposits, NSC certificates, property worth the loan amount and a margin amount of 15 per cent. Generally, the interest charged is tied to the Prime Lending Rate (PLR). This rate is applicable for certain amounts of loans. If it is higher than this amount, you may be required to pay one per cent more or less.

- Last step is the repayment of the loan. Repayment of the principal portion of the education loan is done on an EMI, six months to a year after finishing the course, or when you get a job, whichever is earlier.

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