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luminos24
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In at McCombs! 02 Apr 2007, 10:06
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And that completes my application season (well...not technically, as i still have to decide between the schools and wait for the scholarship news)...so, the finally tally, as it stands

MIT - ding w/o interview
Haas - ding w/o interview
Tepper - accepted
McCombs - accepted
ISB - accepted

(those two dings still hurt :? )
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lepium
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In at McCombs! 02 Apr 2007, 10:07
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congrats, luminos!

now go choose.
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squali83
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In at McCombs! 02 Apr 2007, 10:19
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Congrats!
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johnnyx9
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In at McCombs! 02 Apr 2007, 10:30
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Well done!
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yb
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In at McCombs! 02 Apr 2007, 10:38
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Congrats!
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pelihu
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In at McCombs! 02 Apr 2007, 11:11
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Great job. Have you decided which you will choose yet?
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agsfaltex
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In at McCombs! 02 Apr 2007, 11:36
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Congrats Luminos! You have some difficult choices ahead!
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dipeshc4
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In at McCombs! 02 Apr 2007, 11:40
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Did you get your mccombs acceptance today?When did you interview?

Stats?
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Paul
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In at McCombs! 02 Apr 2007, 11:41
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Congrats luminos, that was a long way since you started the GMAT. All the best.
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eazyb81
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In at McCombs! 02 Apr 2007, 11:43
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So where will you be this fall?
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yogeshsheth
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In at McCombs! 02 Apr 2007, 11:57
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Congrats luminous!!
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gmatmba
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In at McCombs! 02 Apr 2007, 12:01
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congtrats.....great achievement.
i think you mentioned earlier you are all set with Tepper right?
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luminos24
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In at McCombs! 02 Apr 2007, 14:39
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Thank you guys for your wishes and like many others here i can't thank you enough for all the help and support you have provided throughout this journey :)

pelihu
Great job. Have you decided which you will choose yet?
Show more

I am all set for Tepper (atleast as of now) and that depends on two factors
1) I manage to find a co-signer for my US educational loan
2) McCombs doesn't offer me a significant financial incentive

ISB is all but out...I have to send them a "reject" mail soon :twisted:

dipeshc4

Did you get your mccombs acceptance today?When did you interview?

Stats?
Show more

yes...got the call in the morning...i submitted my app on Jan 11, was invited for interview on Feb 20th and interviewed on March 27th. In fact, i was surprized to receive the decision so soon...i wasn't expecting it for another couple of weeks...maybe they take lesser time to decide towards the end of the season.

Oh-so-common stats - 760/3.1/6.5 years/Indian/IT/male/good xtras

Paul

Congrats luminos, that was a long way since you started the GMAT. All the best.
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Thanx Paul...it was a long way indeed!...almost 2 years to the date...took my GMAT on April 19th 2005...but somehow it didn't seem all that long...how time flies!! :)

eazyb81

So where will you be this fall?
Show more


The answer to that will be comming up after the break :lol: just kidding!

as i mentioned, still not 100% set...worst case -> back in India, another gruelling application season (only to schools which will co-sign the loan)
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lepium
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In at McCombs! 02 Apr 2007, 16:24
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luminos24
as i mentioned, still not 100% set...worst case -> back in India, another gruelling application season (only to schools which will co-sign the loan)
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A few comments on this:

a) You are brave. I would not want to wait another year after investing so much time and effort.

b) Seek advice on your chances. Don't postpone a year if there is a chance that you won't be able to get into higher ranked schools next year.

c) IMHO, the funding without co-signer is not only important for you to actually raise the money, but also as confidence vote on the program. It's like the schools and/or the market is (are) saying "we're so confident you'll get a nice job for which you will be payed at least decently, that we are lending you money without a cosigner".

Cheers. L.
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luminos24
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In at McCombs! 02 Apr 2007, 18:22
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lepium

A few comments on this:

a) You are brave. I would not want to wait another year after investing so much time and effort.
Show more

I know! :( it's not wise to wait another year but that seems to be the only option for the worst case scenario. The option of taking loan in India and then paying it off doesn't sound convincing to me. with almost 13.5% interest rate and the maximum amount which will not even cover my 1 year expenses here, doesn't sound good.

lepium

c) IMHO, the funding without co-signer is not only important for you to actually raise the money, but also as confidence vote on the program. It's like the schools and/or the market is (are) saying "we're so confident you'll get a nice job for which you will be payed at least decently, that we are lending you money without a cosigner".
Show more


I am not sure if i fully understand what you were trying to say...Any private loan in US for International students requires a US citizen/resident as a co-signer....the only exception was Access group which summarily rejected my loan application due to in-sufficient credit history.

Do you mean to say that other banks might issue me a loan without a co-signer if they have confidence in the program that i am going to attend?
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lepium
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In at McCombs! 02 Apr 2007, 18:31
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luminos24
I am not sure if i fully understand what you were trying to say...Any private loan in US for International students requires a US citizen/resident as a co-signer....the only exception was Access group which summarily rejected my loan application due to in-sufficient credit history.

Do you mean to say that other banks might issue me a loan without a co-signer if they have confidence in the program that i am going to attend?
Show more


No, what I'm saying is that at some schools (typically ultra-elites and at least some of the elites) you are guaranteed a loan without a co-signer just by being admitted. These schools have agreements with banks to guarantee loans for internationals without co-signers. At some schools, like Kellogg, it's even the school who's lending you the money.

Cheers. L.