Is the Humphrey Fellowship Program right for you?

The Humphrey Fellowship Program is for experienced professionals interested in strengthening their leadership skills through a mutual exchange of knowledge and understanding about issues of common concern in the U.S. and Fellows’ home countries. As a non-degree program, the Fellowship offers valuable opportunities for professional development through selected university courses, attending conferences, networking, and practical work experiences. During the year, Fellows pursue both their individual program goals and work closely with their Humphrey colleagues in workshops and seminars. Unlike a typical graduate school experience, the program encourages Fellows to travel away from their host campus to learn more about American culture and to network with their American peers. If you are interested in broadening your perspectives and becoming a global leader, the Humphrey Fellowship is for you.

Basic Eligibility Criteria:
	an undergraduate (first university) degree a minimum of five years of full-time professional experience limited or no prior experience in the United States demonstrated leadership qualities a record of public service in the community English language ability Please contact the U.S. Embassy, Public Affairs Section or Fulbright Commission in your country of residence to learn about possible specific program requirements.

Professional Fields

Humphrey Fellowships are awarded competitively to candidates who are mid-career professionals in many fields. Please contact the Public Affairs Section of the U.S. Embassy or Bi-national Fulbright Commission in your country to see which of the following fields candidates are being recruited in. Agricultural and Rural Development Communications/Journalism Economic Development Educational Administration, Planning and Policy Finance and Banking Higher Education Administration HIV/AIDS Policy and Prevention Human Resource Management Law and Human Rights Natural Resources, Environmental Policy, and Climate Change Public Health Policy and Management Public Policy Analysis and Public Administration Substance Abuse Education, Treatment and Prevention Teaching of English as a Foreign Language Technology Policy and Management Trafficking in Persons Policy and Prevention Urban and Regional Planning

	Eligible Countries/Regions
	In 28 countries, the Humphrey Fellowship Program is administered by a bi-national educational exchange commission. In all other participating countries, the Public Affairs Section of the U.S. Embassy is charged with the operation of the Program. To find out if citizens of your country/region are eligible to participate in the Hubert H. Humphrey Fellowship Program, click on your region. If your country/region appears on the list, you are eligible to apply. Sub-Saharan Africa Europe Middle East and North Africa East Asia and Pacific South and Central Asia Western Hemisphere

How to Apply

Please contact the Public Affairs Section of the U.S. Embassy or Bi-national Fulbright Commission in your country for more information about application procedures. Click here for a list of eligible countries and in-country contact information.

Embassies and Commissions must submit their nominations to the Institute of International Education office in Washington, DC by October 1. The deadlines for applicants vary by country. Please check with the Embassy or Fulbright Commission in your country to learn about the deadline for submitting applications.

Frequently Asked Questions

Is the Humphrey Program a degree-granting program? I worked part-time in a professional position while I was in graduate school. Does that qualify me for the Humphrey Fellowship Program? What is the application deadline? If I’m selected, what are the time demands of the program? May I bring my family with me? May I choose the university I will go to? What does the Fellowship stipend cover? What is the timeline of the program? If I’m not selected this year, may I reapply?

Is the Humphrey Program a degree-granting program?
The Humphrey Program is a non-degree program. Participants may complete academic coursework at their host university to update their academic and professional knowledge in their field, but they do not receive an academic degree as a result of their participation in the program.

I worked part-time in a professional position while I was in graduate school. Does that qualify me for the Humphrey Fellowship Program?
Candidates for the Humphrey Program should have at least five years of full-time experience in their professional field and should be at a point in their careers to fully benefit from this mid-career program. Candidates with only part-time work experience may not be considered eligible.

What is the application deadline?
Application deadlines vary by country. The nominating Embassy or Fulbright Commission will advise you of its internal deadline for receiving applications.
Embassies and Commissions must submit their nominations to the Institute of International Education office in Washington, DC by October 1.

If I’m selected, what are the time demands of the program?
The Humphrey Program is quite rigorous and life as a Humphrey Fellow does not resemble that of a graduate student with regular hours and a predictable schedule. There are many activities required of Humphrey Fellows as part of the program. Fellows go on field trips, attend a weekly Humphrey Seminar, as well as other conferences and networking meetings, and may spend long hours each day in classes and involved in campus and community activities, in addition to spending time with other members of the group on campus.
Fellows also travel away from their host campus as part of the program, spending two weeks in Washington, DC for national program events. Fellows may also attend workshops and conferences in other parts of the country at various times throughout the year.

May I bring my family with me?
Fellows may choose to apply to have their family join them shortly after they have arrived in the U.S. However, careful consideration should be given to bringing one’s family. The Humphrey Program is very demanding, and Fellows spend considerable time away from their host campus. The Humphrey Program also does not provide an additional maintenance allowance for dependents. Fellows must show proof of financial support, adequate insurance coverage for their dependents that meets U.S. State Department requirements, and child care plans before they may be approved to apply for J-2 visa(s) for their dependents. Not all countries permit Humphrey Fellows to bring their dependents during their Fellowship year. Please check with the U.S. Embassy or Fulbright Commission for country-specific policies

May I choose the university I will go to?
Fellows are not able to choose which university they will attend. Rather, they are assigned in diverse groups of 6-15 to the most appropriate host institution based on their area of interest and professional field.

What does the Fellowship stipend cover?
The Fellowship provides for:

Payment of tuition and fees at the assigned host university Pre-academic English language training, if required A maintenance (living) allowance, including a one-time settling-in allowance Accident and sickness coverage A book allowance A one-time computer subsidy Air travel (international travel to and from the U.S. for the program and domestic travel to required program events) A Professional Development allowance for professional activities, such as field trips, professional visits and conferences What is the timeline of the program? The Embassies and Commissions must submit their nominations to the Institute of International Education office in Washington, DC by October 1. Fellowships are announced in March the following year, Humphrey Fellows start their program in the U.S. in between April and September of the same year, depending on the amount of English language training required, and the program ends the following June. Fellows with inadequate TOEFL scores may be required to attend intensive English-language training before the start of their Fellowship program. If I’m not selected this year, may I reapply? Participants generally may reapply for the program; however, please consult the Embassy or Fulbright Commission in your country for specific guidelines about doing so.

Home Equity loans

Getting the housing equity loan or line of credit may be easy if your home has risen in recent years. In principle, if the amount you owe at home and then take the current value if that amount is that you can get a loan or credit line. Getting a share loan can be very useful for you if you wanted me to make improvements or if you need the money. The benefit of home equity loan over a traditional loan is that you are guaranteed that you will get approved, and this is the best way to get a lower interest rate possible. Find free: debt relief today.

After receiving this type of credit is important to understand that you receive in the long term, as you did with your original mortgage, usually 15 or 30 years. It is important that this type of credit that you have a budget of some additional payments that you can do so that you repay the loan, since the early payment of credit for that period of time can actually cost you a lot of money, even if interest low rate. The first thing to do is talk to your financial institution and discusses what your best options for a housing loan capital. They can give you all the current prices, and explain how the loan will pay off and how long term.

Keep in mind that the loan Home equity can be a great thing for you if you need money to make improvements. It is important that you get the information to understand the conditions of the loan payback and how they works.

Disadvantages pay by credit card and home equity loans like all good things in the world, there are certain drawbacks in the use of home equity loan to pay off the credit cards that you would like to consider, though. For example, when you pay off credit cards, you are suddenly a lot of room for them to charge new purchases! This can be very tempting, and if you are not disciplined, you might eventually charge more debt and to your situation even worse (because now you have a home equity loan, plus additional high interest credit card debt!)

FHA Loans,Federal Housing Administration Loans

The Federal Housing Administration (FHA) loan is a loan supported by the federal government designed to allow home buyers to enter a new home with a low down payment. While not only for the first time home buyers, the loan is ideal for your first home. The FHA loan, you can relax in a home with minimal money, even without a deposit in some cases. In return, a slightly higher interest rate and will pay for the mortgage insurance until you are able to view the equity in your home to 20% of home value. Here are the recommended steps to obtain and use an FHA loan.

First, determine how much you like. You can this government mortgage calculator Ginnie Mae as a guide, but remember, it’s just a point and is not really the approval for a particular loan. Simply enter your income and current monthly payment into the computer and it will give you an idea of the loan can be used for.
Next, you really need your loan. Speak to some of the local lenders in your area, either by visiting the local branch or call on the phone to the loans on offer. Explain that you are looking for a FHA loan in advance, and the loan specialist will discuss the possibilities they offer and what is needed for you to qualify. If you prefer to do your research online, visit the website of your bank of choice or use a search engine to look for lenders to make your application online.
After you have been for a FHA loan, you must start page that you want to buy. The lender will have an idea of the amount of money you should look for a house, on the basis of your income, financial obligations and credit history. Contact a local real estate company to work with an agent which will help keep you in your household.
If you determine that you want to buy at home, work through your real estate agent, an offer that is fair and in your budget. The seller will then accept or reject your offer. If you reach an agreement on price, you can switch to the last step.

Finally, the loan papers to sign for your FHA loan. Contact your lender, so they know that you have identified a house, they created the documents and have you sign it. You are now a homeowner with an FHA loan!

Bad Credit Loans

I will be straight here. I will explain and debunk some terrible is conceptions about having poor or bad credit history and hopefully help you through your credit problems.

Imagine a situation where you are in the middle of three to four loans and has failed in the payment of at least two, due to a drop in the steady flow of income. Now you need a loan from the fifth. You may think you do not give a right to, but you are really.

The risk to a person who already has a history of bad credit, a loan, but more is definitely not impossible. Which is why such loans are called Bad Credit Loan? People who have arrears, suffering from any kind of bankruptcy, has made late payments, which are involved in a legal process or the other, or have a poor credit is all right for this loan. Interest rates offered in such a situation are always competitive in nature and will be decided after determining its financial condition. Of course this is in addition to which this loan, you also have to pay others.

The good thing about applying for a loan bad credit is that it takes other factors such as reliability, lifestyle and so on into account, and not just their credit history.

The first step to serve as a bad credit loan is to know your credit. An account of the credit is simply a degree that is based on a careful charge of their position or credit history. There are some of the credit agencies that could assist in this matter. He feels that normally has a 680 and that means you are a credible person who can serve a larger loan and still pay back in time. It is an account that falls below that number you put on the stand of bad credit loan eligibility. Any lender would look to determine if the credit risk involved with giving a loan. These loans are of two types. The first is called a secured loan and a second loan without collateral. A secured loan means that you are taking a loan against a certain kind of feature that could be valuable land, a house, a car or even jewelry.

Getting a loan on a certain security is always easier if you are failing as the lender can simply grab security. There is a slight risk involved for you, but if you are sure to compensate for the money back, there should not be any problem.

No Credit Check Loans

A bad credit score can put off all exerts to secure loan quickly. It is not so easy securing loans with an adverse credit. However, when bad credit scorers are faced with an essential need, they feel really helpless. Meeting exigent needs may seem like an impossible task.

These loans are depleting of any credit check. They are acceded within a short span of time. Hence, a borrower can insulate the burden of going through any credit check. These loans are better to meet the short term needs. Through these loans it is so easy to get over bad credit.

Usually, a loan requires a lot of requests for information on borrowers to make the payment behavior in the past. This is done to assess the risks by making an agreement with the applicant. Investigations May also be an obstacle to obtaining a loan on time and in May you be refused a new loan. However, if you are a salaried borrower, no credit check personal loans can be ideal, that approval is given in an instant, without any investigation.

Lenders do not conduct credit checks while giving loans to employees for personal purposes. Usually, they are used as emergency loans to avoid late payment, car repair and some urgent medical treatment. Bad credit borrowers with tags like late payments, arrears and defaults are completely at ease in borrowing money at a time.

An employee borrower can have access to an amount of £ 100 to £ 1500 with no credit check personal loans. The deduction may be made at the time of your next paycheck, but you can roll the loan of one month even after interest payments. The approval of the loan is 14 days. This short term, these loans very expensive for borrowers. An example of interest rates in the absence of credit check personal loan May be 30 per cent on a very small amount for that until your next paycheck. This makes the refund very heavy, especially on the implementation of the loan of a few more weeks. It is therefore prudent to reimburse the first opportunity, when obtaining the treatment of control. Some of the offer may also be at lower interest rates, provided you are prepared to meet certain conditions. Make sure you do not extend to avoid repayment of debts.

Payday loan Consolidation

Payday loan consolidation is best in order to consolidate the credit card balances and the manifold advance amounts to make a simpler payday amount. It is a wonderful way to ease out a situation where a person has got trapped in a huge payday loan debt. This consolidated cash helps to get liberate of all the financial mess that you find yourself in, but misuse of the same could land you into a lot of trouble.

A person would want to go in for a payday loan consolidation when he has fallen into the debt affliction and doesn’t know how to get out of it. When the borrower has normally taken an extension for the repayment date and is still not able to repay his credit amount then he is in big trouble. To get himself out of this mess, he may take another payday loan. For all you know, he just might land up in the same condition again. Luckily, an option is available. He can easily consolidate all his cash advances and let the debt consolidation company pay back his creditors for him.

Payday loan debt consolidation is a financial solution that great help the people who are utilization frequent payday loans without repaying the same in time and are drowning in the deep moss of debts. Because of the high rate of interest affiliated in these loans, the amount of interest rises very fast and if you do not make the repayment for the next few months, the amount of interest may become wonderful than the actual amount of loan itself. There are several ways how people get trapped in the big interest of these loans. Let’s go exploring.

If you have taken abundance cash advances without making frequent repayment in a timely manner, you might be looking out for an easy and wonderful solution that could help you get rid of your deeper debt problem. The great news is that debt consolidation for payday loan can be a grateful help to you in this regard. There are several debt management companies that will be easily ready to help you out.

When you choose to go for these services, you simply conduction all your debt related worries to the company. Now, it becomes the duty of that company to talk to your creditors and transact with them to make the repayment terms easy.

Check out the services offered to help you manage your loan on-line:

• Customize Your Repayment: Use this tool to create a request form to increase or decrease your monthly payment.

• Get Repayment Assistance: If you qualify for periods of Repayment Assistance, the government will help make payments toward your loan. You could be approved to receive interest and/or principal Repayment Assistance.

• NSLSC Toolbox: This is the home for tools and resources to help you manage your student loan.