The Lent Season: A closer Look

The Lent Season: A closer Look

YEMI OLAKITAN

The Lent season is a period of fasting, prayers, alms giving, repentance and sober reflections. Its origin is traced to the Roman Catholic Church reputed to be the earliest denomination in Christendom today. It is also said to be one of the oldest Christian practices, particularly among the orthodox denominations. Many orthodox churches such as the Catholic Church, Methodist Church, and the Anglican Church observe the Lent season. However, the Pentecostal and some Protestant churches do not observe the Lent season. Yemi Olakitan, Senior Correspondent goes on a fact-finding mission to unravel the significance of the Lent season in a Christian life. Is it still relevant today?  Should we observe it and much more importantly does it have a biblical backing?

The lent season is a solemn period of fasting, sanctification, rededication and prayer in which Christians spend time in supplications and religious devotions.  According to the Encyclopedia Britannica, ‘‘it is a time of penitential preparation for Easter. In Western churches it begins on Ash Wednesday, 6¹/₂ weeks before Easter, and provides for a 40-day fast in imitation of Jesus Christ’s fasting in the wilderness. In Eastern churches Lent begins on the Monday of the seventh week before Easter and ends on the Friday that is 9 days before Easter. This 40-day “Great Lent” includes Saturdays and Sundays as relaxed fast days. Since apostolic times a period of preparation and fasting has been observed before the Easter festival. During Lent, many of the faithful commit to fasting or give up certain types of luxuries as a form of atonement.’’  

In a chat with Father Julius Olaitan of our Lady Mother of Perpetual Help Catholic Church, Lekki, Ajah, Lagos, he said, the Lent season was introduced during the 4^th century. According to him, before that time, the Christian church was practicing their faith in hiding as they were under very heavy persecution from the Roman Empire. Christians were being thrown to the lions, and burnt at the stake for professing Christianity. However, a time came when the Lord answered the prayer of the saints and granted freedom of worship in Rome. This gave the early Church the opportunity to practice Christianity publicly without persecution or fear of harassment. It was also a time of great revelations and growth for the body of Christ.  It was during this period that the Lent season began.  He said, ‘‘Jesus himself fasted for 40-days and 40 nights and in many instances, he commanded us to fast, saying, this goeth not out except by prayer and fasting.  The Lent season is a way of following his example. We followed Jesus example by fasting the same number of days he fasted, which was 40 days.  The number 40 is also very significant from the stand point of the scriptures. The number forty has many Biblical references,’’ he said.

Speaking further, Father Olaitan gave many references to the importance of forty days in scriptures, namely:   the forty days Moses spent on Mount Sinai with God (Exodus 24:18); the forty days and nights Elijah spent walking to Mount (1 Kings 19:8); the forty days and nights God sent rain in the great flood of Noah (Genesis 7:4); the forty years the Hebrew people wandered in the desert while traveling to the Promised Land (Numbers 14:33); the forty days Jonah gave in his prophecy of judgment to the city of Nineveh in which to repent or be destroyed (Jonah 3:4).  Jesus retreated into the wilderness, where He fasted for forty days, and was tempted by the devil (Matthew 4:1–2, Mark 1:12–13, Luke 4:1–2). He overcame all three of Satan's temptations by citing scripture to the devil, at which point the devil left him, angels ministered to Jesus, and He began His ministry. Jesus further said that His disciples should fast "when the bridegroom shall be taken from them" (Matthew 9:15) since, presumably, the Apostles fasted as they mourned the death of Jesus; Christians have traditionally fasted during the annual commemoration of his burial.

Father Olaitan further said that this period prepares the body of Christ for the resurrection of our Lord Jesus. It commemorates it and allows the believer to know him more intimately therefore deepening his or her spiritual experience. ‘‘The Ash Wednesday which was observed on March 5^th, this year is a reminder that we were created from dust and we will one day return to dust. This a symbolic reminder of the vanity of materialism and the love of money that pervades our society today, If we will just remember that we will one day return to dust. This will help our relationship with God,’’ he said.

Reacting to other Christian denominations who do not observe the Lent season, Father Olaitan says that Christianity is not by compulsion.  ‘‘We also fast throughout the year as they do but in addition, the Catholic Church sets this period aside to help believers get closer to their creator. We observe four cardinal points closely during this period; fasting, prayer, abstinence and alms giving, ’’ he said.

Throughout Christendom, some adherents mark the season with an abstention from meat. In some Catholic countries, grand religious processions and cultural customs are observed, and the faithful attempt to visit seven churches during the Holy Week in honor of Jesus Christ heading to Calvary. This event is also observed by Christians in the Anglican, Lutheran and Methodist Churches.

In another chat with Anyahun Flaviana, a Catholic school teacher, she said, I grew up as a Catholic and from childhood I knew the significance of Lent season. It is a period of fasting and prayers. The Lent season is a very important one because it is a period of sober reflections where you get closer to God.’’ Speaking further, she said, When Jonah was called by God to preach to the people of Nineveh, he initially refused. However, when he finally agreed and did the will of God, The people repented and pour ashes on themselves and wore sack clothes as a sign of repentance. This is the origin of the Ash Wednesday; it is a sign of repentance and sober reflections. The priest use burnt palm leaves to make the sign of the cross on the believers’ foreheads. It is a reminder that we will all one day return to dust. Dust to Dust is the destiny of every human being. This should keep us focused on God and eternity with him who is far more important than our earthly pursuits,’’ she said.  

She further explained that the Lent season follows the example of Jesus in the Gospels of Matthew, Mark and Luke and John, when Jesus spent fourty days and fourty nights fasting in the desert before the beginning of his public ministry, where he was tempted by the Devil.   The traditional purpose of Lent is for the believer to get close to God through prayer,  repentance of sins, almsgiving, atonement and self-denial. Its institutional purpose is heightened in the annual commemoration of the Holy Week, marking the death, burial and resurrection of Jesus, which recalls the tradition which includes  Jesus' crucifixion on Good Friday, and the  joyful celebration on  Easter Sunday of the Resurrection of Jesus Christ. ‘‘It’s so important because if the Church does not declare it, many Christians will not even bother to fast,’’ she said.

 In current Western societies the practice is considerably relaxed, though in the Eastern Orthodox, Oriental Orthodox and Eastern Catholic Churches abstinence from all animal products including fish, eggs, fowl and milk sourced from animal. In the Roman Catholic Church for the duration of Lent, on Ash Wednesday and Good Friday it is required to eat less than is customary for the day.

However the Pentecostal expressed a different opinion, in a chat with a Pentecostal cleric, Pastor Emmanuel Onoja of Hope of Life Evangelical Church, he said, the lent season is good. ‘in my own opinion, the person we are following is our Lord Jesus Christ  did not made it mandatory for Christians to observe the Lent season. He made the communion compulsory, saying do this in remembrance of me. He did not however declare a Lent season although our Lord Jesus commanded us to fast and pray. We cannot condemn or discourage those who observe the Lent season. Today, some churches fast for 100 days, some for 20 days, some 50 days and so on. The importance thing is to fast and pray, the duration does not matter.  The duration as declared by the Catholic Church in the Lent season should not be binding on all Christian denominations.’’ He said.

A deaconess of the Christ Embassy, Ms Uche Ikej said the aim of fasting is to develop ourselves spiritually and not just for our prayers to be answered. We do not need to put a time for fasting. We should fast all the time since Christ commanded us to fast. He did not fix a particular time. This is the way Christians should go about it. They should fast regularly and not just when the Pastor tells them to or when the church declares a season for it.’’ She said.   
A cleric of the Celestial Church of Christ, Superior Evangelist Peters Gandao said fasting is meant to strengthen the believers. According to him, the Celestial church of Christ fast for seven days during the Lent season; during the period of Easter. ‘‘There is no place from Genesis to revelation where the Bible commanded us to fast for forty days.  We in the Celestial Church of Christ fast all the time, not only during the Lent season. I started the work of the Lord at the age of 19 and I can tell you that the Lord has been answering our prayers. Any Pastor or Christian who want to develop himself spiritually must fast and pray regularly not only during the Lent season otherwise he will become a powerless Christian. Those who are doing it, do it as a sign of empathy to our Lord and we cannot condemn them. They are also developing themselves ‘’ he said. 

Insurgency: Should Christians defend themselves?

Insurgency: Should Christians defend themselves?

YEMI OLAKITAN

The wave of killings in the North eastern part of the country has been worrisome to the body Christ, particularly because Christians have been the worst target of incessant attacks by Islamic fanatics who burn churches and kill Christians in large numbers with gross disregard for human lives.

The leader of the Boko Haram sect, Abubakar Shekau, in one of his internet messages said his group was after Christians and will kill them anywhere they find them. Yemi Olakitan, Senior Correspondent goes on a fact finding mission on what Christians should do in the face of insurgency. Should Christians defend themselves or turn the other cheek as recorded in the Bible?

Boko Haram attacks against the Christian community and the nation in general have become difficult for the security agencies to tackle. As a result, hundreds of unarmed Christians have been murdered and continue to be murdered.  

President of Christian Association of Nigeria (CAN), Pastor Ayo Oritsejafor, while receiving delegates of the Hausa, Fulani, and Kanuri Christians Association of Nigeria recently, said “Boko Haram is a disgrace to Africa as a whole and their activities have affected everybody. My prayer is that very soon, the sponsors of Boko Haram and anyone who supports them would be brought to book so that the law would take its course and they too would face the judgement of not God alone, but also of men.”

However, Christians have continued to die. Only recently, Boko Haram Islamists burnt churches and massacred more than forty people, including students at a Christian seminary in Adamawa State. Also, a pastor, his pregnant wife and children were reportedly murdered in Borno State. Recent statistics from the National Emergency Management Agency (NEMA) revealed that three million people were displaced by insurgency in the North-East between January and March alone.  

In a chat with Reverend Father Julius Olaitan of Our Mother Lady of Perpetual Help Catholic Church, Lekki, Ajah, Lagos, he said, ‘Christians are not going to fight.’

“The Bishops of the Catholic Church have spoken on the matter. We are not going to fight. The battle belongs to the Lord. That is Christianity for you. It is not for us to defend ourselves. It is the Government and the security agencies that must do the right thing by ensuring safety of lives and property as well as freedom of worship for all,’’ he said.

According to the Bible, our Lord Jesus Christ forbade Christians to use violence in any way even in self defense.  When armed soldiers came to arrest him in order to kill him, he instructed his disciples not to fight or defend him, saying those who live by the sword, shall die by the swords.  Jesus said ‘‘do unto others as you want them to do to you. Love your neighbor as yourselves.’’  When Peter cut off the ear of one of the soldiers who came to arrest and kill him, he took the ear and placed it back, healing the soldier.  He told his disciples that when they hit them on one cheek, they should turn the other cheek.

Jesus would not fight even in self-defense; rather he willingly gave up his life for mankind. He predicted that Christians will be persecuted, thrown into prisons, killed or hunted down by those who think they are doing the right thing.

He said: “Do not be afraid of those who can kill the body but cannot kill the soul; rather fear one who can kill both the body and the soul in hell”. He advised his followers to resist evil with good.  

Consequently, many Christians in the early churches were killed; many were beheaded, thrown to the lions, burnt at the stakes or stoned to death for merely professing to be Christians or owning Bibles. However, the Christian faith has continued to spread despite these persecutions, becoming the greatest religion known to mankind.

The questions here are; is Jesus Christ’s approach still practical today?  Should Christians continue to turn the other cheeks? Shouldn’t Christians organize armed defense for the church so that when terrorists stage an attack on them, they will be able to resist by force of arms.  

In a chat with Pastor Benn Itua of Royal Harvest Christian Ministry, he said ‘‘it is difficult for Christians to defend themselves. Even those who are trained to defend the nation have found it difficult to defend it. Is it Christians that will now defend themselves against people they cannot see, people that live among them, who all of sudden will turn against them when they are off guard, killing everybody and looting the people? It is a difficult thing to ask Christians to defend themselves. They are not trained soldiers, besides; all these things have been predicted by Jesus in the Bible. He already said, Christians will be persecuted,’’ Itua said.

He called on the Pentecostal Fellowship of Nigeria (PFN) and the Christians Association of Nigeria (CAN) to immediately call a stakeholders forum of Christian leaders where these issues can be discussed.

Speaking further, Pastor Itua said “such forum should give us the opportunity to seek the face of the Lord concerning this matter. There is always a solution from God if we seek him. If God fights in the matter, we will all hold our peace. The weapons of our warfare are not carnal; so we need to invite God into the situation,’’ the cleric said.

In another chat with Pastor Favoured Abu of the Living Faith Church, Badore, he said Christians should defend themselves.  When asked whether this is Biblical, he said: “Why did God command Israel to go to war?  If God can command the people of Israel to go to war against their enemies, then Christians can and should defend themselves in any way they can. If war is recognized in the scriptures, then Christians do not need to fold their hands against insurgents who come to kill, steal and destroy them. We will not go on the offensive but if people come to attack us, we have every right to defend ourselves. When Jesus asked us to turn the other cheek when we are hit on one, he was talking about forgiveness. It does not mean that we should turn the other cheek so that the fellow can slap us the second time. It means we will not retaliate. We are to be peaceful people.  It’s like asking whether a Christian can own a gun.  A Christian can own a gun. He will not attack you first.  If you come to my house to do me bodily harm and I have a gun, I will kill you first. So, Christians have every right to defend themselves against insurgents and they should.’’

   

Pastor Tolu Fowotade of Mountain of Fire and Miracles Ministry, in his own response said ‘‘that he would rather advise Christians to flee.  According to him, wherever such insurgents are spreading violence, Christians should not be there.’’

“They should flee such places because the weapons of our warfare are not carnal but spiritual towards the pulling down of strongholds. Christians cannot be taking up arms. Christianity is a religion of love and not of war,’’ he added.

Deacon Chinedu Chima of Global Church of the Living God said Christians should pray. According to him, prayers works wonders.   

His words: “Love is the basis of Christianity. Jesus displayed love in his life and he is our emblem. If Jesus did not fight his enemies with violence, how then can we fight them with violence?

Speaking further, he said if God fights for you, the fight can be terrible. “He does not fight with weapons that we can see. Christianity is about peace and love. Jesus laid a great foundation. He never fought his battles with physical weapons and he won. In the history of Christianity, more Christians have laid down their lives rather than take up arms against their enemies and you can see the spread of the religion” he stated.

Taiwo Ajoke of the Redeemed Christian Church, RCCG, opined that Christians must learn to defend themselves.  According to her, what is happening in the North cannot happen in the developed world because nearly everyone has a gun in his house. 

“Take the United States for example. They have the State Police, Community Police, Federal Police and nearly everyone has access to a gun, and so if the government fails to defend you, you can defend yourself. We must defend ourselves. It’s our responsibility. The Bible says prayer without works is dead. We must back up our prayers with actions. The Christian Association of Nigeria and other stakeholders should immediately set up a Christian vigilante group that will liaise with the government in order to defend Christian communities, and churches that are being attacked by Islamic insurgents in the North. We cannot leave our destiny in the hands of government alone. We must take our safety in our hands, with prayers and with action,’’ she said.

Wonderful beauty

God is good

Lovely beauty

Denominationalism: Goodwill or Illwind by Yemi Olakitan

Denominationalism: For good or ill

 

 Pope Francis

YEMI OLAKITAN

      Christendom today has experienced denominationalism more than any other religion in the world.  According to the World English Dictionary, denominationalism is a sectarian spirit or policy or the division into denominations or sects. Denominationalism is the inclination of religious groups to experience schisms and separate into different groups over disagreements about doctrinal matters. In the Bible, it was the will of the Lord Jesus Christ that Christians should remain a united, indivisible unit, operating in love since love is the basis of the Christian faith.  Jesus prayed, ‘‘Holy Father; keep through your name those whom, you have given me that they may be one as we are. John 17:11. ‘‘I do not pray for these alone, but also for those who will believe in me through their word; that they all may be one, as You, Father, are in Me, and I in You; that they also may be one in us , that the world may believe that You sent Me.’’ John 17:20,21.  However, over the years, Christianity has been divided into numerous denominations.  The questions arise; how beneficial is this to the body of Christ? Is the denominationalism the path of the Lord?  Shouldn’t all Christian denominations come together? What are the causes of denominationalism in a religion of love?

History revealed that in the first century, there was only one church, the Roman Catholic Church which was the earliest.  After the fall of Jerusalem in 70 AD, the Jewish Christian movement was scattered and under heavy persecution.  The Roman Empire legally recognized Pauline Christianity as a valid religion in 313 AD. Later in that century, in 380 AD, Roman Catholicism became the official religion of the Roman Empire. During the following 1000 years, Catholics were the only people recognized as Christians. Roman Catholicism was then, the only Christian denomination on earth.  

In 1054 AD, a formal split occurred between the Roman Catholic and other Orthodox churches. This division remains in effect till today. The next major division occurred in the 16th century with the Protestant Reformation under Martin Luther. Protestantism is one of the three major branches of Christianity, along with Roman Catholicism and Eastern Orthodoxy. It shares with all other Christians’ core beliefs in the doctrines of Trinity and the divinity of Jesus, the necessity salvation and the centrality of Jesus' death and resurrection.  Protestantism came from the split with Roman Catholicism during the Reformation in the 16^th century.  Led by Martin Luther, John Calvin and others, the reformers broke from the Roman Catholic Church due to abusive ecclesiological structures and theological differences. Protestants share an adherence to the centrality of scripture as well as a doctrine of salivation in Christ Jesus.

Different Protestant denominations have to varying degrees maintained or rejected Roman Catholic forms of worship. Anglican and Lutheran churches have maintained liturgies and rituals similar to those of the Roman Catholic Church, whereas other denominations, such as Baptists, Presbyterians, Pentecostals, and United Church of Christ, have developed less liturgical forms of worship. Most Protestants practice baptism and communion as key rites of Christian initiation and ongoing devotion. Though originating in Europe, Protestant Christianity has spread all over the world through missionary activity and has members from nearly every country, race, and ethnicity.

 Those who remained faithful to Roman Catholicism believed that the central regulation of doctrine by church leaders was necessary to prevent confusion and division within the church and corruption of its beliefs.  However under the leadership of Martin Luther, the protestant movement also had disagreements on issues of doctrines and different denomination began to emerge as well. Today, Christianity has seen an outpouring of countless churches and denominations with different doctrines and practices though all believe in the Lordship of the Lord Jesus and the infallibility of the Gospel.  

In Nigeria alone, there are hundreds denominations as there are different faces of human beings. Every day, there is a massive proliferation of churches and denominations. People receive callings and set up their own churches in their living rooms, church movements had been created in shops. Why does this happen?  Why are there so many denominations? Why can't Christian groups simply agree to disagree and remain part of a single organization? Is this good for the body of Christ? Does it help the advancement of the kingdom of God?

      

In a chat with Pastor Dimeji Isaac of the Christ Temple, Lekki, Lagos, he said, social forces: class, racial and ethnic groups, regional divisions, and nationalism often lead to split in Christendom. According to him, it is good for churches to remain under one denomination, however, the differences in human outlook, the difficulty in administration and the stubbornness of people will make it difficult for Christianity to operate under one denomination. Speaking further, he said, ‘‘the main thing is that we are all followers of our Lord Jesus and we believe that the Bible is the word of God. These are the things that qualify one to be Christian. If we all obey the word of God and follow the commandments of our Lord Jesus, then it does not matter the denomination as long as Christ is preached’’ he said.

        Deaconess Shola Abimbola of the Global Church of the Living God does not share this opinion. According to her denominationalism is from the devil.  ‘‘We are serving the same God. Why should we be separated into different denominations?  Jesus preached love. It is clear from the scriptures that he wanted his followers to remain united as one. It is greed, individual ambitions, rather than the love of God that lead the Churches into various denominations, It is clearly not of God,’’ She said and she marveled at the number of denominations in Christendom today.   Deacon Ola Philip opined that denomination is not a barrier as far as we are serving the living God.   ‘‘When you look at it from the beginning, prophet- hood started from Noah, to Abraham  and the same God that called Moses, also called Samuel and they never  said the God that called them was different. They all came with harmonious teachings and that’s why the word of God is the same. In that sense denominationalism is not bad at all.

On the cause of denominationalism, he said, ‘‘Jesus said that in the last days, there will be many false prophets. They are all in town today. Each one of them called themselves Founder or General Overseer and brings up doctrines that suits them, that is why we have different denominations. Fake prophets contribute to denominationalism. Christ says that, there is one body and one Spirit, just as you were called in one hope of your calling; one Lord, one faith, one baptism; one God and Father of all, who is above all, and through all, and in you all.’’ Ephesians 4:4-6

In another chat with Pastor Tolu Fowotade of the Mountain and Fire and Miracles Ministry, he said that denominationalism can be beneficial. It is not a problem at all. According to him, the word of God is a mystery and it speaks differently to people with different meanings. According to what God wants to say to them and their level of relationship with him.  One denomination cannot help the advancement of Christianity.  Jesus had twelve disciples, they do not reason the same way. When the apostles received the baptism of the Holy Ghost at Pentecost, they were given diverse gifts and callings by the same spirit.  The Holy Spirit operates in different dimensions to different people and gives different gifts, different focus, and diverse operations by the same God.  This is why there are different denominations.  The word of God is so deep and full of meanings so denomination is not a problem at all. It is a reflection of the diversity of the gifts and callings of God’’ he said.

Speaking further, pastor Tolu said, ‘‘if a man of God is teaching a topic from the Bible, let’s say, he is speaking about the story of the woman with the issue of blood. He teaches the word according to the way the Holy Spirit lead him to teach it. Another man of God will pick the same topic and the same scripture and teach it from a different perspective and the congregation will still be blessed. Therefore, though the spirit is one there are diverse operations. It is not possible to operate under one denomination,’’ he said.   

Funmilola Jacobs of the Redeemed Christian Church of God, RCCG, said, ‘‘denomination is unavoidable because Christianity has become the greatest religion in the world. It has spread farther than any other religion known to mankind. This spread could not have been possible without the efforts of different denominations, ministry, callings and missions in the body of Christ which are all working towards the same goal which is to spread the gospel and bring humanity into repentance. If we remove denominationalism from the history of Christianity, I do not think that we could have gone this far. Take Africa for example, it was the efforts of missionaries from various denominations such as the Catholic Church, the Methodist Church and the Anglican Church, the Lutheran Church all working in various fields that brought the light of Christianity to Africa. I don’t even think that one denomination is capable of taking the gospel to the whole world as Christ commanded. Denominationalism in my own opinion is the will of God as long as we all preach the Bible undiluted and stand under the Lordship of our lord Jesus. If we all follow is teachings and obey his commandments, then denominationalism is a blessing and not a course,’’ she said.

Student Loans for International Students

February 27, 2014

Financing an education to study abroad can be difficult for international students. Paying for college education in UK, USA, Australia and Canada is rather harder for them.If you are unable to obtain any scholarship or grant for your studies abroad, another option may be to take a loan to meet your costs. As the loan funding is dependent on the applicant’s country so international students may not qualify for them outside their home country.

Thousands of

students go abroad to join private universities to take undergraduate and masters degree courses. Although local students can receive loans in their country, but these valuable loans are not available for international students.

In USA, the citizen students can get government loans such as Stafford Loans which are not available for international students. However there are private bank loans and these can be available with the US cosigner.

In European Union, most full-time and part-time undergraduate students from the EU will receive a Tuition Fee Loan to pay for their college courses fee. There are maintenance grants and loans also available to help local students.

For international non-EU students the eligibility to get government loans can be complicated.

In UK, the majority of funding is derived from Government funds which is restricted to home (UK) students. This means international students are not eligible for UK Student Loans.

Bank Loans in USA for International Students

In USA, for international students that do not have the personal capital available to pay for the university degree programs, student loans may be obtained by banks.

Types of Loans for International Students

For international students, there are generally two types of loans you may apply for:

1. Loans from U.S. banks that require a U.S. based cosigner to guarantee the loan,
2. Loans from U.S. and international banks that do not require a U.S. based cosigner.

Loans from U.S. banks that require a U.S. based cosigner to guarantee the loan
Several US banks offer loans to international students who have a family member, relative or friend who is willing to cosign the loan. The cosigner (citizen or permanent resident) guarantees that the loan will be paid after you return to your home country.

The Guarantor must have a good Credit history and have to have a certain level of income.

Loans from U.S. and international banks that do not require a cosigner

Since the number of international students increasing in USA every year, there are companies who are offering student loans to international students without a US based cosigner. However these loans may require some sort of collateral to secure the loan.

There are some companies offering private loans for international and distance learning students that does not require a co-signer from another country. You should be careful here because they might charge much higher interest rates.

Popular Loans for International Students

International Student Loan Program (ISLP) and Study Abroad Loan Progam (SALP) is an alternative loan program for international students to study at approved US colleges and universities.

Global Student Loan Corporation (GSLC) offers student loans for international students. It do not require a US citizen or permanent resident to co-sign the loan.

Canadian Higher Education Loan Program (CanHELP) is an alternative loan program for Canadian college and university students to study in the USA and approved schools throughout the world.

Credila Financial Services offers private education loans to students from India. Credila is a subsidiary of the Housing Development Finance Corporation (HDFC), the largest mortgage lender in India.

In the UK, the UK Council for International Student Affairs provides advice on fees, fees status, funding and student support for international students.

Home Country Study Loans

Easiest way to get student loan for studying abroad is to apply for loan in home country. It is easy to satisfy home country loan requirements on your own sold, however, no cosigner will be required.

Scholarships Alternatives

Whatever your means, there’s no need to fall into the student loans. Students can take their time, focus on their grades and test scores, and apply for several scholarships available for international students.

Cheaper Study Destinations Alternatives

Cost of studying in countries like UK, USA, Australia and Canada can go up to £10,000 to £40,000 per year for courses which may be studied cheaper in other countries.

Students should chose least expansive study destinations such as Germany and France where annual cost can be just £ 4200 per year.

Wishing you success!

Indu Dager

Read more: Student Loans for International Students : Blog Scholarships for International Students 2014
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