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Education Loan/EMI for Online PhD in USA
Apart from being economical from the On-Campus PhD, Online PhD/DBA also offers numerous EMI options to make the fee payment easier. With the EMI facility in fee payment, students can pay the fees in very easy installments. As this online doctoral program offers flexibility to manage professional journeys and academic learning, the students can easily pay the installments from their monthly salary.
There is no EMI facility in On-Campus PhD programs in the USA and the fees are so immense that most of the students cannot even think of paying it. However, the US government offers scholarships to students but a small chunk of students who are doing exceptionally well can only avail of it.
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FAQ's
Let's clear up some doubts
An On-Campus PhD in USA may last from 4 years to 7 years. This is a very long duration to complete a doctorate. Students can pursue an Online PhD/DBA from a prestigious university in only 3 years. The Online PhD/DBA is equivalent to the On-Campus PhD.
To pursue an On-Campus PhD in the USA, students are required to apply for an F-1 or M-1 student visa in the US Embassy or Consulate. The visa process is very long and takes too much time to approve. Students can now pursue PhD in the USA without any requirement for Visa approvals. They can enroll in Online PhD/DBA at some of the top US universities.
This depends on the type of PhD you are enrolling in the USA. If you are enrolling in an On-Campus PhD in the USA, you have no option but to leave your job and join the university. On the other hand, if you are enrolling in an Online PhD/DBA you can continue with your job. The program offers significant flexibility to manage academic learning and professional commitments. Continuing your job while pursuing an Online PhD/DBA will also help you finance your doctoral degree.
Students who wish to pursue an On-Campus PhD in the USA have to fulfill a long list of eligibility criteria. A student with a bachelor's degree with strong academic record is eligible for an On-Campus PhD in the USA. US universities demand transcript evaluation from services like WES (World Education Services) which converts the marks of students according to the grading system of the USA. Students may also be required to appear for standardized tests such as GRE and GATE. Qualifying the English Proficiency Tests such as TOEFL (Test of English as a Foreign Language) or IELTS (International English Language Testing System) is a must for students who wish to apply for an On-Campus PhD in the USA. The minimum marks in these tests may depend on the university and the field of research. The letter of recommendation, statement of Purpose, and visa requirements also constitute a major part of the eligibility for PhD in the USA.
Students applying for the Online PhD/DBA are not required to fulfill this long list of eligibility criteria. A student with a bachelor's degree with relevant work experience of 3 to 5 years is eligible for an Online PhD/DBA in the USA. There is no requirement for a visa, language proficiency tests, transcript evaluation, or standardized tests to enroll in an Online PhD/DBA in the USA.
The Universities offering PhD in the USA are categorized into three types. The fee structure of PhD depends on these categories of the universities in the USA. The categories are Ivy League Universities, Public Universities, and Private universities. A PhD from an Ivy League university can cost between $45,000 to $65000 per year, a Public University in the USA can cost between $9,000 to $15000 per year, a Private University in the USA can cost between $14,000 to $45000 per year for PhD program. This fee structure is very high and is more intensified by the high cost of living in the USA.
Students can choose a cost-effective yet great option to pursue their doctorate in the USA by opting Online PhD/DBA program. The free structure of this program is very pocket-friendly and many times less than the On-campus PhD. The fees for Online PhD/DBA are INR 7,00,000 (without immersion) and INR 9,75,000 (with Immersion). The EMI options offered in this program make it more affordable. Also, students are excluded from the high cost of living in the USA if they choose to pursue an Online DBA/PhD.
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