#gpa insurance

[orcelito]

Oh yeah, so turns out I DIDNT flunk my 2 classes my last semester I took (spring 2023). I got a C and a D. Which normally a D wouldn't be passing, but bc it's not a prerequisite for anything, my advisor is making an exception for it. WHICH MEANS I only have 8 classes left to take before I graduate. Since my life insurance money will cover all my living expenses for A While, I'm not gonna look for another job and instead will just focus on studying and finishing my degree. 1 class in the summer, 3 classes in fall, and 4 classes in spring. Assuming I don't crash and burn again (which I'm going to do everything in my power to prevent), I should be able to graduate college by spring 2025.

10 years after I first started college. I should've graduated in 2019. But better late than never. So long as I do finish, it will be okay.

[daddy-socrates]

still waiting on my last professor to get the letters of recommendation in. the due date for all 4 is in 5 days. if i get auto-rejected from programs because he doesn't get those letters in that he said over a month ago that he would do, ill be devastated.

[doberbutts]

I’m kinda new to tumblr so idk if this is like, improper, but that recent shit about your folks sucking was rough. just like, to read. I can’t even imagine how hard it sucks to be there right now. but idk I wanted to shoot an anonymous ask and just be like “hey you’re gonna make it” which I know you already know but figured it would be nice to hear from someone else too, so. hang in there fellow trans person and fuck your family’s behavior

Oh I never did really fully explain what was happening did I?

My great aunt died on December 1 and it wasn't particularly unexpected (she was very old, and her husband died a few years ago on Dec 3) but it was quite sudden and without much warning. I drove to my parents' house to mourn and help with funeral arrangements and it was my first time visiting since right before covid and also since starting medical transition. I figured I'd be enduring a lot of misgendering and the like but wanted to be there for my aunt because I had a lot of wonderful memories of celebrating Christmas at her house with her and my uncle.

An assortment of little comments added up over the next 24 hours until my mother effectively called me stupid unprompted to my face as I drove her from my sister's house back to her own, because I'd said that my niece and nephew were quite smart and that wasn't an abnormality within our family. This is referring to my graduating at 16 and testing well into genius for my IQ, my sister winning several national awards for her poetry and essays, my adult nephew graduating at 17 and only because of an August birthday, both of my parents having masters degrees they earned on scholarships they were given due to their own strong writing, etc and now my niece is skipping a grade and my nephew is averaging well above his grade level and likely will skip a grade too. So I said something about being a family of smart kids and my mom more or less went "well one of my kids isn't very bright" and then looked hard at me.

I'm the only college drop out of my siblings, and with a worse gpa. It's also not the first time she's called me stupid but normally not in so many words or out of left field like that so it cut pretty deep especially considering all the other bs I'd been putting up with since arriving.

I voiced discomfort with what I had (correctly) assumed she meant as a joke, which turned into an argument, which made me have the realization that this is not my home and has not been my home in some time and in fact the reason my mental health improved rapidly when I left is because I got away from her and all of her nasty little comments she doesn't think are a big deal and now I'm having a panic attack and oh- this is a trauma response. I am back in the same house, the same bedroom, the same situation, and I am being triggered, and I am having a trauma freak out, and it has been a very long time since this place and these people have been anything but detrimental to me.

TO HER CREDIT she did come into my bedroom late that night and stated that she couldn't sleep because she felt awful because clearly she seriously misstepped and did not actually mean to hurt me this badly but at that point the damage was done. We talked it out and then we both cried ourselves to sleep in our respective bedrooms and then I woke up with covid the next day and drove the 5 hours back home so I could access healthcare in my state with my state insurance.

And I don't think I will ever go back there willingly, at least not to stay overnight. I'll come up with a reason that I have to stay at a hotel or something.

So anyway long story short the issue was relatively shortlived and I am now back to normal but WOW that was a BAD night. I have not had a night like that in a very long time.

[fletchingbrilliant]

🌙some wildly cheap commissions!🌙

🙃 for some even wilder reasons 🙃

hey y'all. long post thingie but it's got cute pictures so please check it out

TRANSCRIPT OF POST

hey frens got something kinda somber to talk about. most of you are very aware of the existence of my beautiful fiance and co-creator of basically everything i do. zae and i are getting handfasted (marriage for pagans) in october, and have been living together for about 10 years. in 2021, zae got really fucking sick, and after a few false starts, was diagnosed with a rare for of vasculitis called granulomatosis with polyangiitis, GPA for short. it’s an autoimmune disease that causes inflammation in blood vessels and other tissues, ultimately stopping blood from getting to the parts of the body that need it, affecting many areas, but primarily the respiratory system. while the cause isn’t known, it usually presents in people in their 50’s or 60’s, but complications from a third bout of covid-19 appears to have made it emerge way earlier for our boy. at least, that’s what we think. his case is extremely aggressive, advancing faster than anyone could have expected. in zae’s case, it actually attacked his kidneys first, and then went after his lungs, causing both to threaten shutting down for good. he was extremely anemic and needed a ton of transfusions, narrowly avoiding dialysis, and we spent weeks in the hospital keeping him alive. he was placed on two different kinds of chemotherapy to combat the disorder. he lost his hair, went through even more fatigue and pain on top of what the disease had already put him through, and had to accept a plethora of changes to his life that will last forever. a lot of you out there have harrowing experiences of your own when it comes to chronic and potentially terminal conditions, too, I’m certain. “it’s not fun” is an understatement. though there were a couple of really fucking close calls, zae’s GPA went into remission. his hair grew back fuller and more luscious than it had ever been before. (i later learned these are affectionately referred to as “chemo curls.”) remission for gpa is usually expected to last at least 5 years, potentially up to 20, before any symptoms resurface. but zae’s case was particularly aggressive, so of course he’s not so lucky. he’s relapsing now. his symptoms have been slowly returning, and it’s been decided that he’s going back on chemo. it’s no surprise that this shit is expensive, even with insurance. we’re still paying off the care he received last time because ‘murca. being disabled myself, work has been… let’s call it inconsistent, yeah? yeah, that’s a nice and comfortable thing to call it. no one’s doing well financially these days, so we of course have to get creative. long story short(er), i’m doing a commission special! for the next MONTH, i am offering fast commissions at crazy-low prices to try and help us create a cushion to keep us afloat and relatively comfortable while we begin the chemo process again. there’s several options for a variety of budgets, because i really hate the idea of seeking something for nothing, and i absolutely abhor having to reach out in this way. it makes me feel vulnerable and icky and… i’m sure you all understand that, too. i can’t thank you all enough just for following me, and engaging with mine and zae’s work. it may sound trite, but that really makes a difference to us, especially when we’re dealing with something so painful. so if you can’t or don’t want to partake of the sale, please know that you are still a huge help to us, and we seriously appreciate each and every one of you. like, so fucking much. thanks y’all love, fletch

END TRANSCRIPT

Commission Options:

Flash Sketches: $5USD/character

Comics: $5USD/panel - flat color

Comics: $10USD/panel - shaded color

Screenshot Redraws - $15USD/character (complex bgs, add $20)

all of this is posted with @zaebeecee's knowledge and blessing

please DM me if you're interested in something, and thank you again

more Hungry Games, fic fanart, and Persona stuff coming soon too

[dreamyshifts]

Yuuei Academy of Advanced Heroics | Pro Hero Pop Star

*Under construction. Ideas welcome.

UA Academy for Advanced Heroics is Japan's premier institution for hero education, offering both undergraduate and graduate programs in heroics and related fields.

The academy features the following below.

- State-of-the-art training facilities

- Combat simulation rooms

- Disaster response centers

- Medical training wings

- Distinguished faculty of pro heroes

- Active heroes teaching specialized courses

- Industry experts providing real-world insights

- Comprehensive curriculum structure

- Theory and practical application balance

- Focus on field experience

- Emphasis on ethical hero work

The Advanced Heroics program is a rigorous 5-year course that combines intensive classroom learning with extensive field training, and guarantees students graduate with a high school diploma and associates degree. Students work closely with established agencies while completing their studies, ensuring they graduate with both theoretical knowledge and practical experience.

The academy maintains strong partnerships with hero agencies worldwide, facilitating international training opportunities and exchange programs for students showing exceptional promise.

Core Requirements (60 credits)

Hero Studies Foundation (9 credits)

- Advanced Combat Training

- Quirk Theory and Applications

- Emergency Response Systems

- Hero Law and Ethics

- International Hero Law

Specialized Training (20 credits)

- Crisis Management & Leadership

- Crisis Response Training

- Advanced Rescue Operations

- Psychological First Aid

- Emergency Medical Response for Heroes

- Advanced Stealth and Reconnaissance

Field Experience (20 credits)

- Agency Internships

- Supervised Patrol Hours

- Public Relations and Media Management

- Media Relations & Public Speaking

- Agency Management & Leadership

Research and Development (9 credits)

- Advanced Quirk Analysis

- Hero Strategy Development

- Quirk Enhancement & Control

- Hero Psychology and Counseling

Graduation Requirements

- Maintain minimum 3.0 GPA

- Complete 1000 supervised field hours

- Pass Hero License Advanced Certification

- Complete Field Case Project demonstrating mastery of hero skills

International Hero Law - Class Session Example

Topic: Cross-Border Hero Operations

Professor begins with a real-world case study of the Moscow Mall incident where heroes from 5 different countries had to coordinate rescue efforts

Key points covered:

- Jurisdiction protocols when crossing international borders during emergencies

- Required documentation and emergency clearance procedures

- Chain of command in multinational hero operations

- Legal liability and insurance considerations

Practical Exercise: Students split into teams representing different countries' hero agencies to simulate coordinating a response to a natural disaster affecting multiple nations.

Homework Assignment: Draft a proper cross-border operation request form and outline the step-by-step protocol for emergency hero deployment to a neighboring country.

[rival-rook]

Oh and I found out yesterday that I didn't get into my second choice school. Still waiting to hear from my first choice school. I'm pretty conflicted about all of it

--second choice school is not a good vet school, but it's nearby and accessible and would be cheaper and I'd be able to keep all my doctors. They make their initial decisions solely on GPA as far as anyone can tell so I never stood much of a chance but it was worth a try.

--first choice school is a very good vet school but it's several states away. I would need new doctors and it will be very expensive to attend but cheaper to live there, like my partner could probably support both our living expenses on one salary. I think I might have a chance of getting in still bc they make it clear that they actually evaluate the entire application before making admission decisions.

--third choice school accepted me but they're still a shit show. They are in the Caribbean, so I will have difficulty accessing prescriptions and limited access to specialty care. I don't know for sure how accessible their campus is but based on video tours, not particularly. I previously tried to give them a seat deposit and it was just a comedy of errors so I didn't give them money. Currently I cannot experience temperatures over 75 without losing consciousness so tropical climate may not be great.

And that's without spiralling about my current physical abilities and whether or not this is even an achievable goal under ideal conditions, let alone in another country. And is it even worth this amount of debt if I don't have a typical career or I can't do the work I want to do. But if I'm likely to be off and on disabled then I think I need to get a degree that will let me get a less physical job that I won't hate and will make money and have insurance. But maybe I could do that with an MPH? I don't know I just wish I could have been figuring this out earlier or in like, a year

[kingofangst]

Facts of Seraph Kingfisher

1. Has a GPA of 4.75, just under Lydia Martin

2. Has earned a title in the school named "Icy Enigmatic King" due to roasting an entire grade of seniors when he was a freshman

3. He is biracial and bisexual, has a few preferences but nothing too serious. He's 5'11 1/2 feet

4. He likes to wear preppy and dark academia fashion. He dislikes sporty wear.

5. He hates asparagus and vinegar.

6. He plays violin, piano, and flute. He can also create art.

7. He wants to be a Life and Health Insurance Broker

8. His childhood friends were Isaac Lahey and Matt Daehler. (They used to be childhood friends😔)

And that's all folks

(For now)

[scottandrewhutchins]

Post-College Timeline

1999: graduate from college with a 3.46 GPA in my major, struggle to get interviewed except by temp services, which provide me with only sporadic work. It becomes increasingly difficult to get responses because of the Bush recession and 9/11. By 2003, unemployment insurance benefits have run out without getting so much a temp job. Get a work from home job scoring tests for Educational Testing…

[scrabbleknight]

I've been thinking about continuing my studies in my Master's and I found a degree I'm quite interested in. Unfortunately, I run into problems:

It's expensive. If I take a chance in Germany, it'll cost me roughly €22k for the next 2 years, on account of living expenses and rent and insurance. That's about RM110k and well, that's not an insignificant amount.

I'm 0.1 GPA short the minimum. I'll have to do an appeal and stuff, and probably get recommendation letters from my professors, even though I'm not that close to them.

I'm scared. Like, literally freaking out of my mind. I haven't been mentally right for a while and it's left me an anxiety-riddled mess. Despite the support I have, I'm not in the best place mentally and emotionally.

I'm only posting this online because I need a way to vent it out. Getting a Master's could change my life but I don't want to go to debt for it.

Damn, why am I such a panicky mole?

[adolins-heart]

(TW(?) For general doomsday talk and fear of my personal future)

I'm staying at my grandparents this week. And while they're not like Millionaires wealthy by any means, they are well off enough that they both have expensive hobbies (my gpa buys and repairs cars from scratch, and as such owns several cars, at least three of which are Nice Vintage cars, and that doesn't even include his nice truck. My gma owns horses, currently she has four and has over an acre of land (most of that is a large pond but nonetheless) for the horses to roam during the day), they also have enough money that they are helping me afford college and will throw a few hundred dollars my way just bc to cover gas and groceries and stuff (which I am SO incredibly grateful and lucky for).

My whole reason for pointing this out is that. They have money! The cost of living going up and up and up doesn't affect them, just their family members (they're well off but not so much they could support my uncle and his family or me Fully Forever). And yet they still see how horrible it is. They recognize that I probably won't be able to support myself with my passion for writing, and that it's very possible I'll have to work a job that drains me just to live, and they don't really know how to help with that. And that's assuming that this theoretical draining job Does pay enough to truly cover the cost of living.

I just. If they as prolly somewhere in the Upper middle class area of wealth can look at the cost of living and see how it's gonna be nigh-impossible for me to live as an adult.

I'm just so scared. Once I graduate college I have to change my health insurance, I'll have to live on non-campus housing. I'll have to have a full time job that might just totally destroy me just to make ends meet. I'm doing what I love right now and I can barely keep my head above water with my depression! How am I supposed to survive life of I end up having to work a miserable job and STILL struggle to make ends meet?

[docnomore]

I was not academically inclined. Growing up in Michigan in the 1960’s and 1970’s, if you weren’t moving into higher education, you were moving to work on the farm or in the factory. PBB in the feed killed the farmers, and the unions shut down Detroit - everything in the tristate area is premised on Detroit. I graduated high school to nothing but less than minimum wage jobs - if a restaurant makes less than a minimum established profit, they can legally pay less than minimum wage. I graduated at the bottom of my class. I floundered a few years and ended up in the military. I became a Navy Hospital Corpsman and in that, specialized in combat medicine so I served with the Marine Corps. I attended the Naval School of Health Sciences and became an Independent Duty Corpsman. It was a four year medical school program condensed to 56 weeks - accredited by George Washington U. School of Medicine. That program was designed to be a real pressure cooker and had an attrition rate of nearly 30%. Midway through that program, the folks in DC decided to not pay to continue the accreditation. In my class of 27 starters, we had Maurine set the all time high in the history of the school with a perfect score, having never gotten a wrong answer on an exam. We also had Clint who had up to the bitter end, tied Maurine but then got one wrong answer. Me? I graduated dead last in that class with a GPA of 90.63.

Maurine was relieved for cause within three months of graduation. She cracked under pressure. Clint was relieved a little over a year after graduation, hooked on pain killers. During our school year, due to failures in exams and also due to cheating, we were whittled down to 14 and boosted up again to 25. At the end of the first three years of duty, only 5 of us remained as IDC’s.

My final tour had me in line to head up the clinic at Camp David. I refused the orders and was then informed that I’d been asked for by name by the President. Again, I turned down those orders and retired out of Camp Pendleton, where I worked out of three different clinics and was responsible for all of 3d Marine Air Wing.

With the exception of performing surgery and doing the paperwork shuffle, I truly enjoyed practicing medicine without benefit of an actual doctor staring over my shoulder. I did 20 years and then retired. I was delusional in believing that I would be welcomed with open arms at the university where I could take my 146 credit hours mostly in upper level sciences and could step into a civilian program. I was not and instead had to take a basic first aid course where we all learned that I was more qualified than the “doctor” instructing that course. Frustrated by the greed and stupidity, I graduated with a degree in History.

A worthless degree, absolutely no one would hire me. Not the county school system, not the air museum, not a local construction firm. Not any of the big box hardware stores and certainly not any of the four major hospitals or even a company doing insurance physicals. With a wife, 3 children and a mortgage for a 4 bedroom house on 10 acres, I was fast running out of money.

When no one else would hire me, I hired myself. We opened a dog grooming business. We started that business with less than $5,000 in the bank. I was accustom to working 16-18 hour days and that’s about what it took. We busted our butts, my wife and I, and after the 1st 5 years, we were able to be competitive. We shut down every other groomer in the north end of the county and found ourselves under cutting the big box pet stores that also offer grooming at premium prices. Literally, I went from being an elite (less than 1,000 in the entire Navy and Marine Corps) healthcare provider to petting dogs for a living.

With a whole lot of sweat equity, we were able to build our business into a 6 figure income and had to hire outside help to keep pace with the demand. We hire unskilled, untrained labor and we start at $14 an hour. We train, starting with the basic life skill of negotiation. I blame public “education” for the mess this country is in. At best, they teach you to sign your name on the bottom line. They do very little to prepare any of us for the world. They certainly do nothing to prepare us for making responsible, informed decisions of consent.

I own the business meaning, I own outright, the means of production. As an employee, you agree to do a specified job for a given amount of money. These things, you, the employee, agreed to. Now, the beautiful thing about the free labor market as opposed to the left’s slave labor market, is that if at any time you are dissatisfied with the terms of your employment, you have options. You can either step up your game and try to negotiate a better position for yourself. Or, you can serve notice of intent to terminate and then seek your fortune elsewhere.

Personally, given my history with experience in both public and military education, I recommend being a forward thinker. Start by studying fact based history and learn to exercise critical thinking skills. Learn politically who you can rely on as a “friend” and who is in it purely for themselves at your expense - it’s not whom you were told all of your life. Vote accordingly and work to change the education system. At present even those sho graduate at the highest levels of the upper stratosphere, slave for someone above them. Read the last 128 pages of de Tocqueville’s Democracy In America”. Understand that he published this in 1833 when race based slavery was still legal.

[kayandthegoldendays]

there’s the oddest feeling lingering around me and it’s taking a sincere amount of effort to ground my energy. I have always been easily able to find the lightness and joy in the everyday, but lately it takes sincere effort and I am reminding myself that the ebb and flow of a good life is steady.

When I was in undergrad we used to hold these circles of get togethers with my friends. We would throw in a rose (a good thing) and throw out a thorn (a difficult thing) of the week.

my roses lately —

- I graduated another program. (Whoa) and I did it with a 3.8 GPA (last semesters) while working full time.

- Vera. I won’t lie, it is so difficult adjusting to her in my space, she is such a curious kitten and often times I have to pick and choose my battles but she’s recently been spayed. I successfully added insurance for her. We’ve gotten into a semi-rhythm and I do love her. It feels so…odd to think she’ll bear witness to this next decade of my life.

- I have closed more contracts in this past six weeks than nearly any in my pod. I have truly been the luckiest and there’s no amount of words that can explain how provided for I’ve felt lately.

My thorns lately —

- I am struggling reconciling where I am and where I thought I would be. As I peek around my family, I recognize I’m one of the last girls standing without a family of my own. This is silly, considering I am also the only girl to have pursued as much as I have because I chose to not marry young. But it’s something that swirls around me, and I have to remind myself of the goodness that exists in this season with this freedom.

- I miss my family. I phone, I video chat. But it doesn’t give the same comfort as a hug.

- I have been too busy, by my own doing but my schedule scared me the last several weeks.

- I have felt very physically shaky and there’s not much I can do since I’m doing all the things already.

[tc-global]

Eligibility Criteria for Indian Students to Study in Ireland 2025

Eligibility to Study in Ireland

Ireland is becoming an increasingly popular destination for Indian students due to its high-quality education system, globally recognized degrees, and thriving job market. If you are planning to study in Ireland in 2025, it is important to understand the eligibility criteria and application process to ensure a smooth transition.

Study in Ireland: Eligibility Requirements

To qualify for admission to Irish universities and colleges, Indian students must meet specific eligibility criteria. These requirements vary based on the level of education (undergraduate, postgraduate, or diploma programs) and the institution's policies. Below is a detailed list of the eligibility criteria:

1. Academic Qualifications

For undergraduate programs: Completion of 12 years of schooling (10+2) from a recognized board with at least 60% marks.

For postgraduate programs: A bachelor's degree from a recognized university with a minimum GPA requirement (typically 55-60%).

For diploma/certificate courses: Completion of high school or relevant work experience as required by the institution.

2. English Language Proficiency

As Ireland is an English-speaking country, proof of language proficiency is mandatory for non-native speakers.

Accepted English Proficiency Tests:

IELTS (International English Language Testing System): Minimum score of 6.0-6.5 for undergraduate and 6.5-7.0 for postgraduate programs.

TOEFL (Test of English as a Foreign Language): Minimum 80-90 (iBT) depending on the institution.

PTE (Pearson Test of English): Minimum score of 58-65.

Some universities may waive this requirement if the student has completed their previous education in English.

3. Student Visa Requirements

A valid Letter of Acceptance (LOA) from a recognized Irish institution.

Proof of financial support to cover tuition fees and living expenses (at least €10,000 per year in addition to tuition fees).

A valid passport with at least six months' validity beyond the intended stay.

Medical insurance coverage for the duration of the stay.

Immigration clearance and visa documentation as per Irish government guidelines.

4. Statement of Purpose (SOP)

A well-written SOP detailing academic background, career goals, and reasons for choosing Ireland and a particular course.

5. Letters of Recommendation (LORs)

Required for postgraduate courses, typically two or three recommendation letters from professors or employers.

6. Proof of Work Experience (If Applicable)

Some postgraduate and MBA programs require 1-3 years of work experience. Experience letters and a detailed resume should be submitted.

7. Medical Examination and Health Insurance

A mandatory health insurance policy is required for the entire duration of the stay in Ireland.

Medical examination proof may be needed for visa applications.

8. Financial Proof

Bank statements showing sufficient funds for tuition and living expenses.

Scholarship or sponsorship letters (if applicable).

An education loan sanction letter can also be considered.

9. Entrance Exams (if required by institution)

GMAT/GRE for business or engineering postgraduate programs.

SAT/ACT for some undergraduate programs.

List of Required Documents to Study in Ireland

Here is a checklist of the necessary documents required to apply for a study program in Ireland:

Valid passport

Letter of Acceptance (LOA) from a recognized Irish institution

Proof of English language proficiency (IELTS, TOEFL, PTE, etc.)

Academic transcripts (high school/college/university certificates)

Statement of Purpose (SOP)

Letters of Recommendation (LORs)

Proof of financial support (bank statements, scholarship letters, or education loan sanction letter)

Medical insurance policy

Visa application form and fee receipt

Work experience certificates (if applicable)

When to Apply?

Application Deadlines

Irish universities have two major intakes:

Autumn Intake (September): The primary intake for most courses. Application deadlines are typically between December and April.

Spring Intake (January/February): Limited programs available. Application deadlines fall between September and November.

It is advisable to start preparing at least 12-18 months in advance to meet deadlines and secure necessary documents.

Conclusion: TC Global (The Chopras)

Understanding and fulfilling the eligibility criteria for studying in Ireland can be complex. At TC Global (The Chopras), we offer expert guidance to Indian students in choosing the right university, preparing applications, and obtaining student visas. Our dedicated team ensures that students meet all eligibility requirements and transition smoothly to their studies in Ireland. Get in touch with us today to make your dream of studying in Ireland a reality!

[rmceliteservice]

Germany is one of the best study destinations for Indian students because most public universities offer tuition-free education. But how can you apply? What are the requirements? And what steps do you need to follow? Let’s break it down in simple language!

🔹 Step 1: Understand How Free Education Works in Germany

Unlike many other countries, Germany believes education should be accessible to all. That’s why most public universities do not charge tuition fees, even for international students. The German government funds these universities, making higher education affordable for everyone.

📌 Exceptions: ✔ Private universities charge tuition fees. ✔ The state of Baden-Württemberg charges €1,500 per semester for non-EU students. ✔ A semester contribution (€200-€400) is required, which covers student services and public transport.

🔹 Step 2: Choose a Tuition-Free Public University

There are over 400 public universities in Germany that provide tuition-free education. Some of the best ones include:

🏛 Ludwig Maximilian University of Munich (LMU) 🏛 Humboldt University of Berlin 🏛 RWTH Aachen University 🏛 University of Cologne 🏛 University of Hamburg

📌 Tip: Always check the university’s website to confirm if your course is tuition-free.

🔹 Step 3: Check the Eligibility Criteria

To study in Germany for free, you need to meet academic and language requirements.

✔ For a Bachelor’s Degree:

✅ 12th-grade certificate (Indian students may need a foundation course or 1 year of university study in India.) ✅ Good academic record (minimum 60-70% recommended) ✅ Language proficiency:

IELTS/TOEFL (for English-taught courses)

TestDaF/DSH (for German-taught courses)

✔ For a Master’s Degree:

✅ A recognized bachelor’s degree (minimum 3-4 years of study) ✅ Required GPA (varies by university, but 7.0+ CGPA is preferred) ✅ Language proficiency: IELTS, TOEFL, or German test scores (depending on the course)

📌 Tip: Some universities require entrance exams, so check their admission process.

🔹 Step 4: Prepare Your Documents

To apply to a German university, you need the following documents:

📌 Academic certificates & transcripts 📌 Valid passport 📌 Statement of Purpose (SOP) 📌 Letters of Recommendation (LORs) 📌 CV/Resume 📌 Language proficiency test scores (IELTS, TOEFL, or TestDaF)

📌 Tip: Start preparing your documents at least 6 months before the application deadline.

🔹 Step 5: Apply to German Universities

You can apply for German universities through:

✅ Uni-Assist (a central application portal for many universities) ✅ Direct university websites

📌 Tip: Apply to multiple universities to increase your chances of admission.

🔹 Step 6: Open a Blocked Account for Your Living Expenses

Even though tuition is free, you must show proof of financial stability for your student visa. Germany requires international students to have €11,208 per year in a blocked account to cover their living expenses.

📌 Where to open a blocked account? ✔ Expatrio ✔ Fintiba ✔ Kotak Mahindra Bank (Germany-approved)

🔹 Step 7: Apply for a Student Visa

If you get admission, the next step is to apply for a German student visa at the German Embassy or Consulate in India.

✅ Required Documents for Student Visa: 📌 University admission letter 📌 Proof of €11,208 in a blocked account 📌 Valid passport 📌 Health insurance proof 📌 Visa application form 📌 Academic certificates 📌 Language proficiency proof 📌 SOP & LORs

📌 Tip: Start the visa process at least 3 months before your course begins.

🔹 Step 8: Arrange Accommodation & Travel

Once your visa is approved, book your flight tickets and arrange accommodation in Germany.

✔ Student dormitories – Most affordable (€200-€300 per month) ✔ Shared apartments – €350-€500 per month ✔ Private apartments – More expensive (€600+ per month)

📌 Tip: Apply for student dormitories early, as they fill up fast.

🔹 Step 9: Arrive in Germany & Complete Formalities

Once you reach Germany, complete these steps:

✅ Register your address at the local city office. ✅ Get health insurance (mandatory for all students). ✅ Activate your blocked account to access funds. ✅ Apply for a residence permit at the Foreigners’ Office.

📌 Tip: Do this within 2 weeks of arrival to avoid penalties.

🔹 Step 10: Manage Your Living Expenses & Work Part-Time

While tuition is free, you still have to manage your living costs. Here's an approximate monthly budget:

💰 Rent & Utilities: €400-€600 🍽 Food & Groceries: €200-€300 🩺 Health Insurance: €100 📱 Phone & Internet: €30 🚆 Transport & Leisure: €50-€100

📌 Part-Time Work for Students: 👨‍💻 Allowed Work Limit: 120 full days or 240 half days per year 💶 Average Salary: €12-€15 per hour 💼 Popular Jobs: Tutoring, Research Assistant, Retail, Hospitality

🎓 Bonus: Scholarships for Indian Students in Germany

Even though tuition is free, scholarships can help with living expenses. Some top scholarships include:

🎓 DAAD Scholarships – Germany’s largest scholarship provider 🎓 Deutschlandstipendium – Merit-based scholarship 🎓 Erasmus+ – For students studying in Europe

📌 Tip: Apply for scholarships early, as competition is high.

🚀 Career Opportunities After Studying in Germany

Germany has a strong job market and offers many benefits for international graduates:

✔ 18-month Job Seeker Visa after graduation ✔ Work permits & EU Blue Card for long-term jobs ✔ Permanent Residency (PR) after 5 years of working in Germany

📌 Top Hiring Industries: 🔹 Engineering & Manufacturing 🔹 IT & Software Development 🔹 Healthcare & Medicine 🔹 Business & Finance

🎯 Final Thoughts: Is Studying in Germany Worth It?

✅ World-class education with NO tuition fees ✅ Affordable cost of living compared to other countries ✅ Part-time work opportunities for students ✅ Strong job market & work visas after graduation ✅ Globally recognized degrees

Studying in Germany for free is a golden opportunity for Indian students. If you plan well, meet the requirements, and follow these steps, you can study in Germany without paying tuition fees!

[jobskenyaplace]

PROVISION OF GROUP PERSONAL ACCIDENT (GPA) AND WORK INJURY  BENEFITS (WIBA) INSURANCE COVER.

WATER RESOURCES AUTHORITY TENDER MARCH 2025  INVITATION TO TENDER The Water Resources Authority invites sealed tenders for ; TENDER No: Tender Name WRA/T/06/2024-2025 Provision of Group Personal Accident (GPA) And Work Injury  Benefits (WIBA) Insurance Cover. Qualified and interested tenderers may obtain further information and inspect the Tender Documents during office hours 0800 to 1700…