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Do you want to play Field Hockey Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play field hockey overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Our representatives are expert career and guidance counsellors and are eager to help talk you through potential opportunities and how we may be of service to you and your career. Each person’s experiences are entirely unique and we cater bespoke education and career advisory services, free of charge. Sign up now!
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Do you want to compete in your track and field event Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and compete in track and field at the collegiate level overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Our representatives are expert career and guidance counsellors and are eager to help talk you through potential opportunities and how we may be of service to you and your career. Each person’s experiences are entirely unique and we cater bespoke education and career advisory services, free of charge. Sign up now! Do you want to Swim Competitively Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and swim at the collegiate level overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Our representatives are expert career and guidance counsellors and are eager to help talk you through potential opportunities and how we may be of service to you and your career. Each person’s experiences are entirely unique and we cater bespoke education and career advisory services, free of charge. Sign up now! Do you want to play Water Polo Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play Water Polo overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Sign up now! Do you want to play Ultimate Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play Ultimate overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Sign up now! Do you want to play Lacrosse Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play Lacrosse overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Sign up now! Do you want to play Soccer Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play soccer overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Sign up now! Do you want to play American Football Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play American Football overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Sign up now! Do you want to play Basketball Overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play basketball overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Sign up now! Do you want to play Volleyball overseas?
At GVG we help NCAA, NAIA, USPORTS, International and Club athletes earn master’s degrees and play volleyball overseas on partial scholarships. Our network of partner universities can offer scholarships even to professional, ex-professional, semi-pro athletes even athletes who have exhausted all of their remaining eligibility. The best part? Our services are completely free for prospects, you have nothing to lose and everything to gain if you schedule a free consultation with one of GVG’s representatives. Our mission is to revolutionize what it means to be a student-athlete by resetting the clock for student-athletes who have exhausted their opportunities in sport and are looking to leverage their sporting talents to advance their careers in and out of sport. We understand not everyone wants to take on more debt, but many student-athletes can rely on FAFSA loans in the USA, or national and provincial student-finance in their country of origin. If you are an athlete who meets any of the following criteria please sign up so we can advise you on potential opportunities:
Sign up now! In this article we are going to explore some of the day-to-day aspects of personal finance for student-athletes. Let’s assume a couple of variables: A. we expect everybody to have a local domestic bank account and B. we expect everyone reading this has some basic budgeting knowledge, C. few people will have a bank with international operations or services, and if they do, it is usually through a third party or partner. On a side note, you ought to do as much research into your own personal situation as possible to determine what is the best possible option for you, so please utilize this article as a starting point for further exploration.
International Banking Local banking is easy but international banking can be a huge hassle. You must be conscious of several extenuating factors such as foreign-transaction fees and exchange rates. Depending on your bank, they might charge you for making transactions abroad and they may or may not give you a good exchange rate on those purchases (usually though you get a better bank exchange rate than money changers or card machines abroad). I suggest you contact a representative at your local branch or search online to see if your bank has a debit or credit card with “no foreign transaction fees” as many debit or credit cards will charge you a fee between 1-5% for spending money abroad. If you have a card with no foreign transaction fees, that’s good, always choose to pay in the local currency, as any Visa or credit card machine will give you a bad exchange rate. To reiterate, if while abroad they ask you “do you want to pay in euros” (or whatever the local currency is) or “do you want to pay in dollars” it’s usually best to pay in the local currency. Likewise, there will be fees assessed for taking money out at a local ATM using your domestic card in a foreign country. Some banks will provide a service where there are no fees, you can also open up a bank account at a bank in the country you will be moving to - however, putting money into this account will cost you money in service fees or transfer fees. So it is usually good to set up a foreign account in the country where you are traveling to and transfer money to that account. Money Transfers Transferring money from one bank to another costs money and that’s just a bummer we all have to accept. TransferWise is an excellent low-cost money transfer service. TransferWise provides a good exchange rate and also charges very low fees. It is the best way to transfer money internationally from one account to another and they also provide some personal banking services as well. PayPal can do money transfers but they charge hefty fees. There are additional low-cost options available, so always do your research or ask a friend before using a new service. Do some research and find the best option for you. Cash or Card Is cash really necessary anymore? In most countries and at some venues, yes it is, so it is always a good idea to have some cash on you and to be patient when it comes to exchange rates. However, at most places and especially in the U.K. or USA you will be able to use a card or other digital payment options. Make sure to maintain a relative awareness of the Google rate, that will allow you to be more informed regarding rates you might be charged. Sometimes, knowing the difference will enable you to make the right decision. When exchanging currencies, are you willing to pay a commission or are you better off using your card? If you have a card with no foreign transaction fee, that will always be better than exchanging cash at a local or international place. In Europe, Revolut is a great option for digital balance transfers and micropayments and it even offers investing opportunities and Crypto while American counterparts such as cash app and Venmo allow you to transfer cash easily, and they connect directly with your bank account. Most brick and mortar banks are no longer adequate when it comes to handling your international finance needs. You are better off having a domestic and digital bank, and potentially a third bank in your international “home” at least whilst you’re there. Debt Depending on your situation, you may or may not want to take on debt to finance your education. It’s always your choice. While it is good to aim for the highest scholarship you can get, taking on debt is okay as long as the value derived from the debt will create a positive overall opportunity for you. You can literally make an objective calculation based on data by making a decision algorithm. Some things to consider when making the decision about incurring additional debt can be found here. If you’d like to discuss this with people who have been in the same or a similar position as yourself, please reach out to discuss. Conclusion I hope that you were able to learn something from this, or that we were able to provide you with some helpful tips regarding your student finance. We’re always available to answer any more detailed questions you might have so please reach out! Please reach out and make sure to follow us on Facebook, Instagram, and LinkedIn if you have any questions. *DISCLAIMER* None of the above information constituents professional, financial or legal advice. We are not pretending or assuming to be financial professionals in any context. This article is merely an opinion piece that reflects “anecdotal wisdom” from a student-athlete’s POV who has attended university abroad in the U.K. The majority of our student-athletes compete for national league teams in conjunction with their university obligations. Every league and sport will have their own unique guidelines and rules. We again advise all of our student-athletes to speak directly with us or with their coach about their individual National League Obligations and rules.
GVG will continue to update and inform as we obtain more information. Make sure to send us an enquiry if you have any questions or require more information. One strong indication for other sports is that Volleyball England has announced that 6-6 indoor and 2-2 beach volleyball can commence immediately, read the full story here: https://www.volleyballengland.org/news/article/6125/government-gives-green-light-for?fbclid=IwAR3YEgl_jcoFGqEdZ8c5u7-sBZgfOL_EsZn-zebiETqKns_33X6J-qaXQWw We are excited that the U.K. and BUCS are committed to supporting students and student-athletes and their pursuit of excellence for the upcoming year in accordance with health and safety policies. It's a great bit of news in an otherwise difficult time. BUCS, the governing body of sport in the U.K. (it's their version of the NCAA or NAIA) has issued the following statement regarding playing university sport this upcoming year:
“Next season, the majority of BUCS leagues will take place between January and April 2021. The decision to focus on Term 2 is a result of feedback from our members, who want to be able to support students in their preparation for returning to competitive team sport. The 2020-21 season will be considered a ‘bridging season’ with no promotion or relegation at the conclusion of competition. League standings from 2019-20 will be used to create the 2021-22 league structures for those institutions who maintain affiliation to BUCS in 2020-21. Please note, the size of leagues, and the inclusion of cup knockout competitions alongside the league programme, is still under review.” Read the full story here: https://www.bucs.org.uk/return-to-play.html The U.K. Government recently announced a new route enabling international students to remain in the u.K. for two years post-graduation of studies.
“Key Points: ● The Graduate Immigration Route will be available to international students who have completed a degree at undergraduate level or above at a Higher Education Provider with a track record of compliance and who have a valid Tier 4 visa at the time of application.
“Source: https://homeofficemedia.blog.gov.uk/2019/10/14/fact-sheet-graduate-immigration-route/ More InformationThis means that any student who successfully completes their degree-level course at an undergraduate or postgraduate level from a qualifying institution (all of our partner universities are qualified) by the summer of 2021 or after will be eligible. Those whose Tier 4 visas expire before the route is introduced will not be eligible for it. These students can still benefit from the provisions available which allow them to switch in the skilled work route on favourable terms, more information in the link below. What comes after the Initial 2-years? Graduates who find an appropriate job and meet the requirements will be able to switch into skilled work, which is a route to settlement. This will require obtaining work from an employer who is able to sponsor an international worker via a Tier-2 skilled worker visa (although there are a few other routes available). More information about this option can be found on the uk.gov website here: https://www.gov.uk/browse/visas-immigration/work-visas Individuals applying for the Graduate Immigration Route will not need a sponsor. Tier 4 sponsors will not need to fulfil any sponsorship duties for their students if they switch onto the Graduate Immigration Route and students will not need a Certificate of Sponsorship (CoS) to apply under this route. Tier 4 sponsors, however, will continue to be responsible for their students while they are studying. |
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