3 Grads Share How Studying Abroad Helped Them Be Successful

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Speaking Spanish in Chile. Studying Renaissance art in Italy. Learning about international business in Singapore.

Whatever and wherever you choose to study abroad, you’re bound to have an unforgettable experience.

Not only will you grow on a personal level, but you might even discover your professional calling. Even though they didn’t expect it, studying abroad helped these three graduates discover their dream careers. See what they learned below.

1. My international experience helped me land jobs and start a business

Before she was the founder and CEO of Mavens & Moguls, a global marketing and branding firm, Paige Arnof-Fenn was an economics student in Florence, Italy. It was her second time living in Europe, as she’d spent several months as a high schooler living with family in southeast France.

“These experiences were both incredibly special, and started my lifelong love affair with both France and Italy, and my desire to pursue a career in international business,” says Paige.

Once she started her job search, she impressed interviewers with her foreign language skills. “Speaking foreign languages is a way to differentiate yourself in interviews,” Paige says.

After getting hired, Paige continued to put her travel experiences to good use, especially during meetings with international clients. “My experience overseas made me more culturally sensitive and relevant,” she says. “I believe I got better assignments, faster promotions, and more interesting projects because of it.”

These days, Paige leads her own global firm, where she works with clients like Microsoft, Virgin, The New York Times, and Colgate, along with nonprofits and startups.

She attributes much of her success to the benefits of studying abroad and the people she met overseas. “My global contacts have been instrumental in my career with local intelligence, product launch support, [and] referrals,” she says.

She remains grateful for the study abroad benefits she enjoyed as a student and how they have impacted her today as a global entrepreneur. “Travel enriches your life by exposing you to new people, sights, sounds, smells, and flavors,” says Paige. “To travel is to learn, to grow, to appreciate.”

2. I learned I’m a born storyteller

Shelby Rogers wasn’t sure what her future career would look like when she packed her bags for England during the spring semester of 2013. Once the semester started though, she discovered her affinity for writing and research.

“I noticed that I would typically get major research papers and projects done well in advance of their deadlines,” says Shelby. “Because I was tired of waiting for my friends to hurry up and finish their essays, I would help with planning, writing, and editing their research papers.”

When the faculty learned about her informal role as a writing tutor, they started recommending her help to other students. Shelby couldn’t formally get paid for her work, but she did “amass a small fortune in free beer and pub meals.”

Perhaps even more valuable than the pub food was her realization that she could turn her passion for writing into a career. “I realized that I was not only an effective academic editor; I also had a knack for storytelling in places where one wouldn’t expect,” she says.

Shelby was skilled with sifting through ideas and using effective language to make her points. “Strangely enough, those exact skills are what I use as a content marketer,” Shelby says. “I look for the story, help my company determine the story we’re trying to tell our readership (aka potential clients), and then I help them tell that story with effective language.”

Her study abroad experience helped her in job interviews, too. “When I applied for marketing and copywriting jobs, I made sure to talk about my international travel experience,” she says.

Besides learning how to craft good stories, Shelby also developed valuable “soft skills” from traveling. “It taught me to be independent and intrinsically motivated,” she says. “I know how to put myself out there and appropriately communicate with people of different backgrounds.”

At the same time, she acknowledges that she was in a privileged financial position to enjoy her experience abroad. She earned a number of scholarships, and her university also helped offset the costs. When she was traveling, she also kept costs down by tracking her budget and staying in hostels.

She encourages anyone looking to study abroad to apply for scholarships and speak with your school’s financial aid office about funding opportunities.

3. Learning another language helped me get my dream job

Studying abroad isn’t just for undergraduates. When she was studying for her master’s in corporate communications at Seneca College, Melissa Andrade sought out a four-month internship in Italy.

“In order to successfully complete my post-grad program, I had to take part in a mandatory four-month internship,” says Melissa. “Studying abroad was always something I wanted to do but never had the chance to while completing my undergrad. I figured this was the perfect semester and opportunity to do just that.”

Melissa landed a gig at a public relations firm in Milan, Italy where she helped out on press days and during Milan Fashion Week. Not only did the internship give her hands-on experience in the industry, but it also helped her add a valuable skill to her resume: fluency in Italian.

“It made me extremely marketable upon my return home,” says Melissa. “I now had a third language to add to my resume and was able to boast about my international work experience — something that was extremely valued at some of the larger companies I interviewed with while job hunting.”

For Melissa, the professional benefits of studying abroad were not short-lived. “Little did I know this experience would also help me land my next big dream job a few years later,” says Melissa.

“I’ve recently secured a new journalist position in Lisbon, Portugal as a celebrity and entertainment news writer,” she adds. “My new employer liked the fact that I was already well traveled across Europe from my previous time abroad, had knowledge of several languages, and understood how to assimilate myself within different cultures while getting a job done.”

Melissa is excited to return to Europe, and she credits her study abroad experience with giving her the qualifications she needed to land her dream job.

Don’t underestimate the benefits of studying abroad

From learning a new language to making friends across cultures, studying abroad gives you invaluable skills for your future career.

Many colleges offer study abroad programs, plus independent organizations host students in other countries, too. Often, your financial aid will transfer, and you can apply for study abroad scholarships.

You might even find a part-time job in another country to support yourself during a semester abroad. If you go this route, you’ll have one more experience to impress hiring managers with in your future job interviews.

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* The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

1 = Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.

2 Important Disclosures for Earnest.

Earnest Disclosures

  1. Rates include 0.25% Auto Pay Discount
  2. Explanation of Rates “With Autopay” (APD)
    Rates shown include 0.25% APR discount when client agrees to make monthly principal and interest payments by automatic electronic payment. Use of autopay is not required to receive an Earnest loan.

    Available Terms
    For Cosigned loans – 5, 7, 10, 12, 15 years. 
    Primary Only – 10, 12, 15 years

    In school deferred payment is not available in AL, AZ, CA, FL, MA, MD, MI, ND, NY, PA, and WA).


3 Important Disclosures for College Ave.

CollegeAve Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1)All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

(2)This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(3)As certified by your school and less any other financial aid you might receive. Minimum $1,000.

Information advertised valid as of 7/1/2019. Variable interest rates may increase after consummation.


4 Important Disclosures for Discover.

Discover Disclosures

  1. Students who get at least a 3.0 GPA (or equivalent) qualify for a one-time cash reward on each new Discover undergraduate and graduate student loan. Reward redemption period is limited. Please visit DiscoverStudentLoans.com/Reward for any applicable reward terms and conditions.
  2. View Auto Reward Debit Reward Terms and Conditions at DiscoverStudentLoans.com/AutoDebitReward.
  3. Aggregate loan limits apply.
  4. The interest rate ranges represent the lowest and highest interest rates offered on Discover student loans, including Undergraduate, Graduate, Health Professions, Law and MBA Loans. The fixed interest rate is set at the time of application and does not change during the life of the loan. The variable interest rate is calculated based on the 3-Month LIBOR index plus the applicable Margin percentage. The margin is based on your credit evaluation at the time of application and does not change. For variable interest rate loans, the 3-Month LIBOR is 2.50% as of July 1, 2019. Discover Student Loans will adjust the rate quarterly on each January 1, April 1, July 1 and October 1 (the “interest rate change date”), based on the 3-Month LIBOR Index, published in the Money Rates section of the Wall Street Journal 15 days prior to the interest rate change date, rounded up to the nearest one-eighth of one percent (0.125% or 0.00125). This may cause the monthly payments to increase, the number of payments to increase or both. Please click https://www.discover.com/student-loans/interest-rates.html
    for more information about interest rates

5 Important Disclosures for CommonBond.

CommonBond Disclosures

A government loan is made according to rules set by the U.S. Department of Education. Government loans have fixed interest rates, meaning that the interest rate on a government loan will never go up or down.

Government loans also permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.

Depending on what type of government loan that you have, you may be eligible for loan forgiveness in exchange for performing certain types of public service. If you are an active-duty service member and you obtained your government loan before you were called to active duty, you are entitled to interest rate and repayment benefits for your loan.
If you are unable to pay your government loan, the government can refer your loan to a collection agency or sue you for the unpaid amount. In addition, the government has special powers to collect the loan, such as taking your tax refund and applying it to your loan balance.

A private student loan is not a government loan and is not regulated by the Department of Education. A private student loan is instead regulated like other consumer loans under both state and federal law and by the terms of the promissory note with your lender.
If you refinance your government loan, your new lender will use the proceeds of your new loan to pay off your government loan. Private student loan lenders do not have to honor any of the benefits that apply to government loans. Because your government loan will be gone after refinancing, you will lose any benefits that apply to that loan. If you are an active-duty service member, your new loan will not be eligible for service member benefits. Most importantly, once you refinance your government loan, you will not able to reinstate your government loan if you become dissatisfied with the terms of your private student loan.

If your private student loan has a fixed interest rate, then that rate will never go up or down. If your private student loan has a variable interest rate, then that rate will vary depending on an index rate disclosed in your application. If the interest rate on the new private student loan is less than the interest rate on your government loans, your payments will be less if you refinance.
If you are a borrower with a secure job, emergency savings, strong credit and are unlikely to need any of the options available to distressed borrowers of government loans, a refinance of your government loans into a private student loan may be attractive to you. You should consider the costs and benefits of refinancing carefully before you refinance.

If you don’t pay a private student loan as agreed, the lender can refer your loan to a collection agency or sue you for the unpaid amount.

Remember also that like government loans, most private loans cannot be discharged if you file bankruptcy unless you can demonstrate that repayment of the loan would cause you an undue hardship. In most bankruptcy courts, proving undue hardship is very difficult for most borrowers.


6 Important Disclosures for PNC.

PNC Disclosures

  1. Annual Percentage Rates (APRs): APRs from 4.52% to 11.11% are for the fully deferred repayment option, include the 0.50% interest rate discount for automatic payment and encompass the full range of APRs for the three repayment term options (5, 10 and 15 year). APRs within this range may vary based on the repayment term chosen. See break down of APR ranges by repayment terms below.
  2.  

  3. Fixed Annual Percentage Rates (APRs): APRs range from 4.52% to 9.58% for a 5-year term. APRs range from 5.05% to 10.26% for a 10-year term. APRs range from 5.55% to 10.84% for a 15-year term. Fixed rates are based on the creditworthiness of the borrower and co-signer, if any. Loan Payment Example: The monthly payment per $10,000 borrowed at a fixed rate range of 5.05% APR to 10.26% APR for 10 years means you would make 120 payments which may range from $131.94 to $207.24. For the fixed rate loan, the monthly payment will remain fixed for the term of the loan. Payments may vary for other repayment term options.

    Variable Annual Percentage Rates (APRs): APRs range from 4.90% to 9.92% for a 5-year term. APRs range from 5.38% to 10.57% for a 10-year term. APRs range from 5.85% to 11.11% for a 15-year term. Variable rates are based on the London Interbank Offered Rate (LIBOR) index plus a margin depending on the creditworthiness of the borrower and co-signer, if any. The LIBOR index, adjusted quarterly, is equal to the average of the one-month LIBOR rates as published in the “Money Rates” section of the Wall Street Journal on the first business day of each of the three (3) calendar months immediately preceding each quarterly adjustment date. The LIBOR index is currently 2.47%. If the index increases or decreases, your rate will increase or decrease accordingly. Loan Payment Example: The monthly payment per $10,000 borrowed at a variable rate range of 5.38% APR to 10.57% APR for 10 years means you would make 120 payments which may range from $135.93 to $212.65. For the variable rate loan, the monthly payment may increase or decrease if the interest rate increases or decreases. Payments may vary for other repayment term options.

    APRs and loan payment examples are for the fully deferred repayment option for the Undergraduate & Graduate loan programs and include the 0.50% interest rate discount for automatic payments. The lowest APR is available to well qualified applicants. Your actual APR will be based on your credit qualifications, selection of fixed or variable rate option, loan program, repayment term, repayment option and whether you elect the automatic payment feature. Loan payment examples assume 30 days to first payment after the deferment period (45 months in school and 6 month grace period). Payments vary for other rates, repayment terms and repayment options.

    In addition to Undergraduate and Graduate loans, PNC offers loans for Health & Medical Professions, Health Professions Residency and Bar Study. Rates may vary by loan program and are subject to change at any time. Visit pnconcampus.com for current rates, additional loan payment examples and more details about the Solution loan products.

  4. Automatic Payment Discount: During repayment, an interest rate discount of 0.50% is available for automatic payments. Borrower must be making scheduled payments that include both principal and interest. Interest only payments do not qualify for the 0.50% interest rate discount. Automatic payment can be established through the loan servicer American Education Services (AES). Advertised rates include the 0.50% automatic payment interest rate discount. The rate discount will be applied at the time automatic payment is established. If automatic payment is not established, the available rates will be 0.50% higher than the advertised rates. If automatic payment is established and discontinued at any time during repayment, the borrower will no longer receive an automatic payment discount and the rate will increase by 0.50%. Discount may also be suspended during periods of forbearance or deferment. Payments may be made from a checking or savings account. A federal regulation limits the number of transfers that may be made from a savings or money market account. Please contact your financial institution for more information on transfer limitations on savings accounts.
  5. Repayment Options: Immediate, interest only payments while in school and full deferment of principal and interest options available. Interest will continue to accrue during periods of deferment. You will receive quarterly interest statements during this deferment period. Paying the interest as it accrues each quarter will save you money over the repayment term of the loan because any accrued interest that you do not pay will be added to the principal balance at the end of the deferment.
  6. Co-Signer Release: A request to release a co-signer requires that, as of the date of the request, you have made at least forty-eight (48) consecutive timely payments of principal and interest with no periods of forbearance or deferment within the forty-eight (48) month timeframe. “Timely payment” means each payment is made no later than the 15th day after the scheduled due date of the payment. “Consecutive payment” means the minimum monthly payment must be made for the most recent forty-eight (48) months straight without any interruption. To qualify for a co-signer release, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.
  7. Tax Deductibility: Interest may be tax deductible. Consult a tax advisor.

Please note: PNC reserves the right to modify or discontinue the terms of these program at any time without notice. You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan. Private loans are subject to credit approval.

PNC is a registered service mark of The PNC Financial Services Group, Inc.
© 2019 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.

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