In this episode of the Thrifty Titans Podcast, we connect with Kavita Parikh, the founder-director of Disha Consultants, a prominent education overseas consultants firm specializing in education counseling for study abroad. They have successfully assisted over 10,000 students in gaining admission to top-tier universities like Stanford, Harvard, and Columbia University, among others.
During our conversation with one of the leading study abroad consultants, we delve into topics such as the ideal time for upskilling, determining ROI on university acceptances, financing your international education journey, and much more.
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Saikat Pyne: Hello. I'm sa marketer, creative and all around Alpha nerd.
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Saikat Pyne: Welcome to the you incorporated podcast On this show, I
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Saikat Pyne: catch up with some truly bad ass entrepreneurs, business leaders,
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Saikat Pyne: marketers and content creators to discuss thoughts, stories and ideas
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Saikat Pyne: at the intersection of business influence and design. If you
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Saikat Pyne: want to stay ahead of the curve and build your
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Saikat Pyne: brand your voice your way, you're in the right place.
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Saikat Pyne: Hello. Hello. Welcome to the you Incorporated podcast. Please join
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Saikat Pyne: me in welcoming Kavitha Pari, the founder director of Tisha Consultants,
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Saikat Pyne: a leading overseas education consulting firm that acts as an
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Saikat Pyne: enabler for students who aim to pursue higher education abroad.
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Saikat Pyne: Over the past two decades, Miss Pari has helped over
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Saikat Pyne: 10 students secure admission to top universities such as Stanford, Harvard, Columbia,
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Saikat Pyne: John Hopkins and other leading US universities, as well as
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Saikat Pyne: top Canadian universities, including the likes of University of Toronto,
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Saikat Pyne: the University of Waterloo, among others.
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Saikat Pyne: Welcome to the podcast up.
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Kavitha Parikh: Thank you so very much. I'm looking forward to having
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Kavitha Parikh: this conversation.
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Saikat Pyne: So, Kavitha, during the course of our conversation, we are
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Saikat Pyne: primarily going to speak about upskilling. You see a majority
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Saikat Pyne: of our audience around 40% of our audience is between
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Saikat Pyne: 28 to 35 years old,
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Saikat Pyne: and when you are in that age group, you're primarily
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Saikat Pyne: in your second or third or maybe even fourth job.
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Saikat Pyne: You you're expectedly doing quite well in in your profession.
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Saikat Pyne: Or maybe you aren't and you are in that zone
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Saikat Pyne: where you feel the need to upskill. When is the
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Saikat Pyne: right time for us to consider upskilling ourselves?
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Kavitha Parikh: The one thing that we all need to understand as
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Kavitha Parikh: we pursue our careers over the next couple of decades
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Kavitha Parikh: is that we constantly need to pay attention to upscaling.
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Kavitha Parikh: We have to keep an eye
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Kavitha Parikh: eye out on what are the changes happening in our
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Kavitha Parikh: realm and be conscious of upskilling. I would like to
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Kavitha Parikh: make a slight differentiation in understanding what we mean. There
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Kavitha Parikh: is something called Re Skilling where your skill set is
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Kavitha Parikh: redundant and you need to learn something new.
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Kavitha Parikh: There's something where you pick up an entirely new skill,
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Kavitha Parikh: and there's something which is just upskilling, which is becoming
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Kavitha Parikh: better at what you want to do and what you're doing.
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Kavitha Parikh: I think the entire package needs to enable you to
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Kavitha Parikh: upscale
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Kavitha Parikh: so when you become conscious professionally and personally, that you
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Kavitha Parikh: are looking for more is when you have to start
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Kavitha Parikh: thinking about what you need to do in order to
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Kavitha Parikh: rise or
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Kavitha Parikh: change or favour or tweak where you are at and
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Kavitha Parikh: where you are.
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Saikat Pyne: And what are some of the indicators that point out
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Saikat Pyne: that it's time for you to upskill? I
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Kavitha Parikh: think that the way to go about and it's just
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Kavitha Parikh: the grind of daily life sometimes doesn't allow you to
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Kavitha Parikh: spend time to think about
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Kavitha Parikh: or what you're doing and where you're headed. So I
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Kavitha Parikh: think professionally, Uh,
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Kavitha Parikh: every quarter as you get your reviews in your organisations,
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Kavitha Parikh: you also have to do an internal review yourself and
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Kavitha Parikh: think about with what I'm doing. Where am I headed
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Kavitha Parikh: in five years, and is this where I want to be?
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Kavitha Parikh: Assuming everything goes well, I do what I do. Is
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Kavitha Parikh: this the What is the trajectory that my career path
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Kavitha Parikh: will take?
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Kavitha Parikh: And is this enough? Is this what I want? And
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Kavitha Parikh: because
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Kavitha Parikh: experiences the and and we evolve as we experience and
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Kavitha Parikh: as we we go about doing our daily life, you'll
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Kavitha Parikh: find that this can change and perhaps not enough water,
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Kavitha Parikh: perhaps not in two quarters, but over a year, maybe
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Kavitha Parikh: over a year and a half. You realise that while
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Kavitha Parikh: this is where I'm headed and this is very comfortable,
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Kavitha Parikh: this is not what I want. I want to do
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Kavitha Parikh: something more and I want to do something
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Kavitha Parikh: different. When
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Saikat Pyne: we first conceive of the prospect of higher education, there
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Saikat Pyne: are two primary considerations. I feel one is what do
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Saikat Pyne: I want to study and the second being the monetary
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Saikat Pyne: aspect of it.
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Saikat Pyne: And when I am going about creating a blueprint for
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Saikat Pyne: myself in terms of in terms of the Montri commitment
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Saikat Pyne: for a certain course, how do I look at this
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Saikat Pyne: one term that gets abused a lot, which is the R.
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Saikat Pyne: O I. How do I look at what the course
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Saikat Pyne: is going to deliver to me? And how do I
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Saikat Pyne: go about calculating
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Saikat Pyne: the r. O. Y on education
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Kavitha Parikh: for me? Any investment that you make, you have to
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Kavitha Parikh: constantly sort of nurture and keep checking on that investment.
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Kavitha Parikh: And as you make this commitment of an investment, you
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Kavitha Parikh: have to I think, uh, check on three things. Uh,
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Kavitha Parikh: the first is the base level return that you're going
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Kavitha Parikh: to get. So
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Kavitha Parikh: as you consider the cost of the education, you have
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Kavitha Parikh: to think, What is it that what is the kind
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Kavitha Parikh: of job or what is the kind of earning that
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Kavitha Parikh: I will get over the next five years after graduating
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Kavitha Parikh: from
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Kavitha Parikh: this This sort of education that I'm planning to get?
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Kavitha Parikh: And those numbers are easy to find from class doors
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Kavitha Parikh: and from talking to colleagues from talking to people in industry,
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Kavitha Parikh: it's easy to find an assessment of what that's going
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Kavitha Parikh: to be.
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Kavitha Parikh: The second thing you do when you are making a
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Kavitha Parikh: commitment and investment. And it's not just the money that
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Kavitha Parikh: the cost of the education, I think it's the cost of, uh,
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Kavitha Parikh: of the opportunity cost of losing whatever one year,
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Kavitha Parikh: two years that you decide to spend after this is
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Kavitha Parikh: the risk. What if you don't find the kind of
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Kavitha Parikh: job uh, you're looking for What if you find the
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Kavitha Parikh: kind of job that you're looking for or the kind
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Kavitha Parikh: of opportunity that you're looking for? But it's not, uh
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Kavitha Parikh: uh as high paying as you perceive,
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Kavitha Parikh: and uh, particularly when you're looking at, uh, countries outside
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Kavitha Parikh: of India. You look at what happens if I am
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Kavitha Parikh: unable for whatever reason to stay back in that country.
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Kavitha Parikh: So you look at return, you look at risk, and
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Kavitha Parikh: then you also look at what is the upside?
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Kavitha Parikh: This is what I'm likely to get. But what if
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Kavitha Parikh: I get something more? What is the kind of network
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Kavitha Parikh: I can develop out of this? What is the speed
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Kavitha Parikh: at which I can climb back? What is the highest
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Kavitha Parikh: height that I can possibly climb up to with this
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Kavitha Parikh: possible degree? And you put that all together personally for
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Kavitha Parikh: you because each one of us
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Kavitha Parikh: is different. Our ability to make the most of this
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Kavitha Parikh: opportunity that we are deciding or considering about is different,
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Kavitha Parikh: and you factor in your individuality before you make the
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Kavitha Parikh: decision to make this commitment.
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Saikat Pyne: Most of our listeners are in the domain of management, technology,
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Saikat Pyne: marketing or design. If we were to
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Saikat Pyne: likely funnel it down to these four primary domains, if
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Saikat Pyne: I am somebody in my mid-twenties or early thirties, how
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Saikat Pyne: can I go about selecting a university that's more aligned
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Saikat Pyne: with my career goals? And how will shortlist universities and
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Saikat Pyne: courses that would be more relevant for my career
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Kavitha Parikh: goals.
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Kavitha Parikh: Absolutely. I think that is a very key aspect of
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Kavitha Parikh: this whole whole process. But as Alice would ask that,
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Kavitha Parikh: where should I go? And the Cheshire cat would reply.
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Kavitha Parikh: That depends on where you want to end up. So
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Kavitha Parikh: the first thing that you do as you are making, uh,
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Kavitha Parikh: this decision or even considering this what is the right
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Kavitha Parikh: university or what is the right programme really depends on
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Kavitha Parikh: what is it that you want to achieve. And that's
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Kavitha Parikh: why that that check the indicators that whether or not
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Kavitha Parikh: it's time for you to
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Kavitha Parikh: make this choice to not really upscale, but to upscale
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Kavitha Parikh: to where you're at when you have done the test
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Kavitha Parikh: of the indicators you sort of would have arrived at.
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Kavitha Parikh: What is it that you want? Do you assume seek
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Kavitha Parikh: depth in a particular say technology? A.
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Kavitha Parikh: Do you seek to combine technology and management? Are you
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Kavitha Parikh: seeking to transition into senior managerial positions? Are you Are
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Kavitha Parikh: you seeking to add a particular domain? Say marketing that
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Kavitha Parikh: you did not truly understand? Maybe you want to combine
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Kavitha Parikh: marketing
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Kavitha Parikh: and analytics because of the way the digital world is
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Kavitha Parikh: on us and around us and where we are in
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Kavitha Parikh: the middle of where it is that you want, you
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Kavitha Parikh: want to specialise? Where is it that you want to
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Kavitha Parikh: focus to? Where is it that you want to expand?
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Kavitha Parikh: The The first thing you do as you grew about uh,
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Kavitha Parikh: considering universities is you understand the better
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Kavitha Parikh: Too clear as to these shortlisting process, one is the
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Kavitha Parikh: academic consideration
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Kavitha Parikh: and the second other practical consideration. Once you and academic
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Kavitha Parikh: considerations would include first and foremost as you apply. You
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Kavitha Parikh: would look at what are the Accra Dictions that in
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Kavitha Parikh: every country there are a set of Accra Dictions that
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Kavitha Parikh: are awarded to programmes or universities and you would do
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Kavitha Parikh: the base check on that,
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Kavitha Parikh: Then you would check. How good is that university in
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Kavitha Parikh: your particular area of interest? And if you're doing a
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Kavitha Parikh: tech sort of understanding, what you would do is you
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Kavitha Parikh: would check professors in the great kind of track record
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Kavitha Parikh: in what you're doing. Uh, the how wide is the
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Kavitha Parikh: selection of courses in the domain that you're looking to
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Kavitha Parikh: sort of specialise in
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Kavitha Parikh: what other kind of facilities and
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Kavitha Parikh: what is the kind of funding that the department has
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Kavitha Parikh: not just because you want the funding, but because that
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Kavitha Parikh: is a mark of how others who are funnelling that
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Kavitha Parikh: funding into that department or that programme, uh, it or
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Kavitha Parikh: how reputed it is. And, uh, one more thing you
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Kavitha Parikh: would consider is what is the kind of rat that
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Kavitha Parikh: that particular university programme
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Kavitha Parikh: department had checking or look at? Look at. Talk to
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Kavitha Parikh: people who reach out to department a reach out to
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Kavitha Parikh: placement heads and engage in conversations which will help you
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Kavitha Parikh: decide whether this is a university and a programme right
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Kavitha Parikh: for you. In terms of the prac practical aspects, I
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Kavitha Parikh: think
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Kavitha Parikh: what you need to look at is location as you
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Kavitha Parikh: consider return on investment. And I understand we are discussing
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Kavitha Parikh: the Sino linear fashion. But as you go about making
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Kavitha Parikh: these decisions, you're you're evaluating things,
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Kavitha Parikh: things on the multiple level and then combining and ting
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Kavitha Parikh: everything that you're considering and all information, uh, to think
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Kavitha Parikh: and ponder and decide. So I think the cost of
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Kavitha Parikh: the programme and the location of the university and then
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Kavitha Parikh: the sort of opportunities that the university can provide are
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Kavitha Parikh: combined to decide whether that is the
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Kavitha Parikh: right. How
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Saikat Pyne: do you go about evaluating these regions and what are
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Saikat Pyne: some of the more common factors between universities primarily in
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Saikat Pyne: these regions?
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Kavitha Parikh: I find that when people are considering management, education and
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Kavitha Parikh: particularly people who are considering this like our audience, which
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Kavitha Parikh: is medical professionals, I find that 12 things are primary
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Kavitha Parikh: One is the reputation and reputation in terms of the
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Kavitha Parikh: ranking that the programme has a worldwide, and second, that
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Kavitha Parikh: thing that people factor in is the length of the programme.
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Kavitha Parikh: I find that when considering management programmes, because most of
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Kavitha Parikh: the continental Europe programmes are shorter term either one year
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Kavitha Parikh: or 16 months, people get tempted because of that. And
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Kavitha Parikh: I think that is just the opportunity cost of uh
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Kavitha Parikh: of the career that you had. But the UK the
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Kavitha Parikh: top programmes in the UK or in US tend to
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Kavitha Parikh: be two year programmes, particularly the flagship M B A
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Kavitha Parikh: programmes and there are people consider what is the opportunity
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Kavitha Parikh: to stay back for a few years to round off
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Kavitha Parikh: that education in the context that you received it
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Kavitha Parikh: and also to to, uh, get some return on the
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Kavitha Parikh: investment that you already need. Uh uh So those I
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Kavitha Parikh: think tend to be reputation and and length of programme
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Kavitha Parikh: tend to be key considerations that people make in management programmes.
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Kavitha Parikh: In that programme, I find that people look at
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Kavitha Parikh: where is it that technology is evolving out of the
00:15:28
Kavitha Parikh: technology that they particularly are interested in? Is it? Is
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Kavitha Parikh: it a i n m l? Then perhaps US is
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Kavitha Parikh: the place to go to. Is it biotechnology? Then perhaps
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Kavitha Parikh: I should be also considering UK Is it the mechanical
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Kavitha Parikh: automobile that maybe I should consider Germany? That's how those
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Kavitha Parikh: decisions get taken.
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Kavitha Parikh: And I think when it comes to Canada, which is
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Kavitha Parikh: very popular and honestly, I don't see a lot of
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Kavitha Parikh: mid career professionals trying to get to Canada. Currently, Canada
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Kavitha Parikh: is the most popular overseas destination for students from India.
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Kavitha Parikh: But that is because students are moving
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Kavitha Parikh: out immediately after their bachelors and Canada is very popular
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Kavitha Parikh: because they have a great system in place for how
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Kavitha Parikh: you become permanent residents of that country. So I have
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Kavitha Parikh: had people who have done their education in the US
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Kavitha Parikh: had great careers in the US come back and settled
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Kavitha Parikh: in India doing very well in India and then
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Kavitha Parikh: decide that I want to go to Canada because I
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Kavitha Parikh: have a young child. I have two Children and their
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Kavitha Parikh: education will be great in Canada and then they transition
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Kavitha Parikh: into management education and to try and make a life
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Kavitha Parikh: in Canada in
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Saikat Pyne: terms of what you said about universities in these specific
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Saikat Pyne: destinations US,
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Saikat Pyne: Europe, Canada and Australia. What I understood from our conversation
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Saikat Pyne: is that it's primarily a a younger demographic that's moving
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Saikat Pyne: to Canada and US in search of a of A
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Saikat Pyne: the life in terms of purely the age factor in
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Saikat Pyne: terms of Europe. It's slightly an older demographic because they
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Saikat Pyne: are also looking at their opportunity cost, which is slightly
00:17:25
Saikat Pyne: on the higher side if you have certain numbers of
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Saikat Pyne: years of experience and people who are moving to Canada
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Saikat Pyne: for education are primarily looking to settle down in Canada.
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Kavitha Parikh: So I find that in management programmes, particularly to the
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Kavitha Parikh: top sort of 25 schools in the USA, fundamental requirement
00:17:48
Kavitha Parikh: for admission is that you have anywhere between 3 to
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Kavitha Parikh: 5 years of work experience in the management programmes. I
00:17:54
Kavitha Parikh: find that the people are slightly 27 28 even 30.
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Kavitha Parikh: Sometimes as they
00:18:02
Kavitha Parikh: in in technology, I find that there are, of course,
00:18:06
Kavitha Parikh: the absolutely fresh out of bachelor students. But there also
00:18:11
Kavitha Parikh: are these other students who have spent three, maybe four
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Kavitha Parikh: years at large multinationals in India and as they compare
00:18:22
Kavitha Parikh: the the kind of work they do, not just the
00:18:24
Kavitha Parikh: money they make, because purchase
00:18:26
Kavitha Parikh: power parity might be something that I know of, but
00:18:30
Kavitha Parikh: even the kind of work that they do cure and
00:18:33
Kavitha Parikh: the kind of opportunities that could come up if they
00:18:36
Kavitha Parikh: had this education. I find that increasingly in the tech
00:18:40
Kavitha Parikh: space also, these considerations are actually being made as in management.
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Kavitha Parikh: So in the U SI, do find in the
00:18:50
Kavitha Parikh: tech space, which is essentially the and the computer engineering
00:18:55
Kavitha Parikh: space and the management space that people with who are
00:18:58
Kavitha Parikh: closer to 26 27 28 are also considering this area.
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Kavitha Parikh: So let's
00:19:04
Saikat Pyne: look at each of these domains management, technology, marketing and design.
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Saikat Pyne: How does the domain and courses fundamentally differ between US, Europe,
00:19:15
Saikat Pyne: Canada and let's say, Singapore or other destinations?
00:19:20
Saikat Pyne: And what are the consideration for each of these domains
00:19:23
Saikat Pyne: when you're exploring these different geographies in the initial stage
00:19:28
Saikat Pyne: of your research.
00:19:30
Kavitha Parikh: So so the fundamental thing, I I think the way
00:19:35
Kavitha Parikh: you need to go about doing this is you need
00:19:38
Kavitha Parikh: to clearly, And we while we discuss this, we discuss
00:19:43
Kavitha Parikh: first off the indicators that are telling you that you
00:19:47
Kavitha Parikh: need to upscale
00:19:49
Kavitha Parikh: and we discuss that professionally. You want to change the
00:19:53
Kavitha Parikh: trajectory of where you are at You know what the
00:19:56
Kavitha Parikh: the the path on which you are. You want to, uh,
00:20:01
Kavitha Parikh: you want to go to a higher height, you want
00:20:03
Kavitha Parikh: to speed up that, or you're looking to completely change
00:20:07
Kavitha Parikh: what you're doing and you and you want you. What
00:20:11
Kavitha Parikh: is your What is it that you aspire of once
00:20:13
Kavitha Parikh: you know that
00:20:15
Kavitha Parikh: you and the field that you're in once you combine,
00:20:20
Kavitha Parikh: you look at, which is the country that will give
00:20:26
Kavitha Parikh: you the opportunities in order not just to learn,
00:20:32
Kavitha Parikh: but to apply that learning. And if you so desire
00:20:37
Kavitha Parikh: to resign and use that learning in that country to
00:20:42
Kavitha Parikh: achieve the trajectory or the pivot or the upscaling that
00:20:46
Kavitha Parikh: you see, So that is the first test and that's
00:20:50
Kavitha Parikh: what when you ask what is popular for which country.
00:20:53
Kavitha Parikh: The reason the US comes out on top is because
00:20:58
Kavitha Parikh: of the size of the economy and the ability to
00:21:03
Kavitha Parikh: absorb high cost talent. And when you're looking at this
00:21:08
Kavitha Parikh: as you look at
00:21:09
Kavitha Parikh: of tech companies, heads of bank heads of multinationals, you
00:21:14
Kavitha Parikh: will find that first generation Indians have made it to
00:21:18
Kavitha Parikh: the top. And if that is something you're aspiring for,
00:21:21
Kavitha Parikh: then that is something to to consider. And that's why
00:21:24
Kavitha Parikh: you were from south on top, Canada from south on top.
00:21:28
Kavitha Parikh: When you're looking for a change of geography, you are
00:21:32
Kavitha Parikh: quite sure that you want to change the country that
00:21:37
Kavitha Parikh: you reside in.
00:21:39
Kavitha Parikh: You can come out and talk when
00:21:42
Kavitha Parikh: you are only interested in getting great education and then
00:21:51
Kavitha Parikh: actually taking it and applying it straight away in in India.
00:21:56
Kavitha Parikh: And the reason for that is the path to getting
00:22:00
Kavitha Parikh: any opportunity. For example, Germany is a great place to study,
00:22:04
Kavitha Parikh: but and they offer programmes in English but to assimilate
00:22:10
Kavitha Parikh: in the German workplace or in any other continental European
00:22:15
Kavitha Parikh: country workplace. Your ability not just to understand the language
00:22:20
Kavitha Parikh: but to communicate, and to be native speaker in the
00:22:24
Kavitha Parikh: language is very important.
00:22:25
Kavitha Parikh: So unless you have, that is a better for you
00:22:28
Kavitha Parikh: to apply that knowledge in that country or have a
00:22:31
Kavitha Parikh: few years of work experience in the context. And so Europe.
00:22:35
Kavitha Parikh: Continental Europe is very clearly you study there and you
00:22:39
Kavitha Parikh: are absolutely certain you want to bring it back to
00:22:42
Kavitha Parikh: India and apply it in India. That's when continental Europe
00:22:47
Kavitha Parikh: actually comes up. Australia and New Zealand were very
00:22:50
Kavitha Parikh: popular. They lost their charm a bit, and with covid
00:22:54
Kavitha Parikh: and the way they were in protecting their voters, I
00:22:57
Kavitha Parikh: think it will be a while. They all sort of interest.
00:23:00
Saikat Pyne: Let's not speak about financing education because we touched upon
00:23:07
Saikat Pyne: r O. I likely early. Let's now discuss financing education
00:23:12
Saikat Pyne: and the topic of scholarships in greater detail.
00:23:16
Saikat Pyne: How do you go about researching scholarships beyond your beyond
00:23:21
Saikat Pyne: those offered by the university? Sure,
00:23:24
Kavitha Parikh: a couple of things in terms of financing. I think
00:23:27
Kavitha Parikh: the one thing that you need to be aware of, uh,
00:23:31
Kavitha Parikh: particularly in the US, which tends to be the big ticket, uh,
00:23:35
Kavitha Parikh: cost is that loan long term loans are amply available
00:23:40
Kavitha Parikh: both in India and in the US. Interest rates in India,
00:23:46
Kavitha Parikh: for example, currently can range from 7% all the way
00:23:49
Kavitha Parikh: up to 14% depending on whether or not you have
00:23:52
Kavitha Parikh: a collateral and the quality of the school that you're
00:23:56
Kavitha Parikh: you're going to. The second thing is that in the
00:23:59
Kavitha Parikh: US you can
00:24:01
Kavitha Parikh: actually access loan, which can be as little 3 to 6.
00:24:07
Kavitha Parikh: Of course, when you're taking a loan in the US,
00:24:09
Kavitha Parikh: you need a sort of guarantor who is either a
00:24:12
Kavitha Parikh: citizen or a US permanent president. But
00:24:16
Kavitha Parikh: I find that a lot of people who are in
00:24:20
Kavitha Parikh: the US and who were first generation are very open
00:24:24
Kavitha Parikh: and helpful in considering these options. So that, I think,
00:24:28
Kavitha Parikh: is something that you have to consider a A as
00:24:33
Kavitha Parikh: you plan, uh, to get education at this stage in life.
00:24:38
Kavitha Parikh: The reason I think you have to plan for that
00:24:41
Kavitha Parikh: first is because
00:24:43
Kavitha Parikh: scholarships are extremely and it's about at that point in time,
00:24:51
Kavitha Parikh: what is right, uh, person. And this evolves what used
00:24:56
Kavitha Parikh: to be a right kind of person three years perhaps
00:24:59
Kavitha Parikh: may not be the right person right now. There there
00:25:03
Kavitha Parikh: are
00:25:04
Kavitha Parikh: when they're when scholarships are being awarded, they're awarded to
00:25:08
Kavitha Parikh: recruit a student into the school and what is into
00:25:13
Kavitha Parikh: the university or the programme. And what is if they were,
00:25:16
Kavitha Parikh: for example, looking at hiring, recruiting students who were from
00:25:21
Kavitha Parikh: a particular background? Now that might have changed. So you
00:25:24
Kavitha Parikh: cannot look at the past and think that I will
00:25:27
Kavitha Parikh: get this scholarship because five people in the past got it.
00:25:30
Kavitha Parikh: So
00:25:31
Kavitha Parikh: you have to consider your own resources and you have
00:25:36
Kavitha Parikh: to consider the laws that are available and fortunately, the
00:25:40
Kavitha Parikh: last 45 years. Those are just amply available.
00:25:45
Kavitha Parikh: You apply for scholarships, which the school the programme offers
00:25:51
Kavitha Parikh: you e scholarships that give up some scholarship, the the
00:25:56
Kavitha Parikh: and the she give out some scholarship, the the give
00:26:01
Kavitha Parikh: out some scholarship. The guerrillas have a programme which is
00:26:05
Kavitha Parikh: connected to, uh to some particular programmes and have scholarships.
00:26:10
Kavitha Parikh: So those are definitely sources that you you can have,
00:26:15
Kavitha Parikh: but but
00:26:17
Kavitha Parikh: those are processes that actually you will find out only
00:26:22
Kavitha Parikh: at the end. Once you're admitted, whether you actually and
00:26:27
Kavitha Parikh: have gone down the entire path, whether or not you
00:26:30
Kavitha Parikh: will get it as you consider making the the applications
00:26:34
Kavitha Parikh: or whether or not you have to do it. You
00:26:36
Kavitha Parikh: have to plan with it
00:26:38
Kavitha Parikh: looking at your resources and the likelihood of loans, not
00:26:42
Kavitha Parikh: making scholarship a big portion of it. If they come
00:26:46
Kavitha Parikh: your way, that's fantastic, but not really looking at that
00:26:50
Kavitha Parikh: as a measure going out. This is true for Masters programmes.
00:26:56
Kavitha Parikh: If on the other eurotech person looking at PhD in
00:27:01
Kavitha Parikh: the US and Canada any tech or the sciences, most
00:27:05
Kavitha Parikh: PhD programmes in the US tend to be fully funded
00:27:11
Kavitha Parikh: and Canada also most programmes tend to be fully funded
00:27:16
Kavitha Parikh: So you get paid to go and study there. Of course, you, uh,
00:27:22
Kavitha Parikh: chip in in research or you chip in my teaching,
00:27:26
Kavitha Parikh: uh, younger students then those, uh, admissions are
00:27:33
Kavitha Parikh: that much more tough to get like a scholarship. But
00:27:37
Kavitha Parikh: when they're paying you to go there and study, then
00:27:40
Kavitha Parikh: they're going to be that much more exacting in their standard.
00:27:44
Saikat Pyne: That was very helpful, Kavita. And with that, it's a wrap.
00:27:49
Saikat Pyne: Thank you for being on the podcast. Kavita really appreciated
00:27:53
Saikat Pyne: you taking time out for this episode. Please tune in
00:27:57
Saikat Pyne: next week for the next episode the U Incorporated podcast
00:28:13
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00:28:19
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00:28:26
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00:28:37
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