The cost of your course for international students

Hi, everyone. Thanks for joining us today on today's webinar of scholarships, fees and finance. I'm Gabrielle and I'm the Americas and Caribbean regional officer at Middlesex University. I was also a student at Middlesex not too long ago so I can relate to many of your questions about scholarships, fees, finance, how to fund your studies, and all of that.  

I'm also joined by two current students at Middlesex and they are Divya Samani from India and Yu Hui from Malaysia. Hi, thank you for joining us. They'll also share some tips and tricks about budgeting later.  

The webinar will last around 60 minutes and we have a quick presentation followed by a Q&A session at the end. If you'd like to ask questions please type them in the chat room box, which should be on the right hand side of your screen, and the webinar is being recorded so we'll share the recording and presentation slides with you on a follow up email in the next day or two.  

All right, so let's get started. So today we'll be talking about these three things scholarships, how to pay the deposit and tuition fees. We're also going to talk about budgeting your money whilst a student at Middlesex University.  

And this information is going to be useful, whether you're a first year student, undergraduate students, or a mature master students, or even PhD students. So let's get right into it and talk about scholarships.  

So when it comes to scholarships, there are a few things to keep in mind. We do give scholarships and oftentimes it will be as a reduction to your tuition fees. Most of them are merit based, but some are on personal circumstances.  

You can apply for more than one, but you can only be awarded one. So you'll keep the one normally with the highest value on your record. This is in case you earn two or three scholarships. you'll keep the one with the highest value.  

And you can take a screenshot of these links so you can know where to access these scholarships if you're anxious and don't want to wait a day or two after we send out the recording. But also every regional office normally has a budget for regional awards.  

Please remember that these are very competitive and you should aim to apply as soon as possible after receiving an offer from the program. So basically that's the dynamic. You don't apply to the scholarships first and then apply to the program.  

You first apply to the program right to the university via UCAS or the regional office or directly if you're a master's student. And after you get an offer from the university, that's when you can then apply for scholarships.  

So for those of you who are international students like our two beautiful student ambassadors and like I was myself when I was a student. You have the option to look into achieving scholarships. These are for master's degrees only.  

It's one of the best scholarships and it includes everything from visa fees, airfare, a monthly stipend for living expenses, accommodation, and of course, the tuition fee. Now you must know that this process begins a year before the start of your program.  

So this means that if you apply for achieving scholarship in 2021, you'll be coming to Middlesex in 2023. Applications usually open in August and close early in November. So please follow their social media and look into their website regularly for the most updated information.  

Since it's earlier in the year, this is a great time to start researching achieving applications, to start, preparing your profile, becoming a good candidate for those scholarships. And as soon as they open up in August, you'll have the opportunity to apply.  

All right, so if you're from a country in the Commonwealth and can demonstrate that you're from a disadvantaged background, then you can also access the scholarship here, the Commonwealth Scholarship.  

It is, again, for postgraduate studies only, and their criteria is only for degrees in certain development subject areas, such as science, technology. Technology for development, for example, global peace, security, governance, those types of degrees.  

And if you're from the EU or EEA, then this is as a result of Brexit. Unfortunately, you will now be charged international tuition fees and can't access British student loans, but fortunately we at Metal Gear And you'll be charged international tuition fees, can't access British student loans, but fortunately we at Metal Gear sex offer these scholarships which allow you to pay tuition fee that is very close to home fees and very far from the regular international tuition fee.  

So as shown on screen, undergraduate students would pay 9 ,500 postgraduate students just 250 more than UK fees. Please note that this is an automatic scholarship that you won't need to apply for and it's only for students who have an EU or EEA passport and are also permanent residents in the EU and EEA.  

If you have not been living in the EU then this does not apply to you. Now if you meet this criteria and are in the UK on a settled or pre -settled status then you can disregard the scholarship as you will obtain the UK fees.  

All right so let's talk now about university fees and other associated costs. So things that you must consider when budgeting obviously first and foremost tuition fees. Then you can also think of any field residential trip if not already included in your program.  

At Middlesex many residential trips are included in your tuition fees, so you don't have to set out as much for that you can find more information on the program's profile, or, you know, on the first day, when you are at lectures, normally that's when your program leader will explain everything.  

Um, you also need to budget for accommodation. So our halls of residence start at somewhere between normally I started something like 158 or 160 pounds per week and private rented accommodation is available at mdx .ac .uk slash accommodation, so it can give you a good idea you can go online there and just check out the prices for 2022.  

Also consider living expenses so things like food travel entertainment, laundry cards which a lot of students forget you will need to pay for your laundry for the washer and the dryer mobile bill. Um, telecommunications right if you like to go to the gym, then you have to pay for gym membership and all those little things that are included in living expenses.  

So be mindful of that as well and also be mindful that if you're an international students, the living expenses in London might be very different from the living expenses at your home country, they may be higher or they may be lower.  

So, what you need to do at this point is just prepare for that and make sure that you have the funds or that you can collect the funds by the time you start university. If you're applying for a pre sexual English course then you should also budget for that extra fee of tuition and living expenses associated to that.  

If you need a student rent visa, then you're excited. to have the first year's tuition fee plus £12,006 in a bank account that is yours or your parents. And you can check more on this at .  

So keep that in mind if you're an international student who needs a visa. And also I wanna make a note here that a number of countries are exempt from having to show these funds upon visa application, but we always advise students to have evidence of these funds.  

You don't have proof of these funds, but a bank account showing these amounts, just in case they're requested proof of funds in the case that you've applied for a loan, then you don't need such bank statements.  

The federal loan, for example, will do. All right, so some things that we include as part of your tuition fees are well -being and academic support. employability advice, e -books and e -journals and I think we're if not the only probably one of the first universities who provided students e -books, free e -books for each and every one of their modules.  

Also the university has enough books in the library for students to loan for up to 20 weeks at a time. Again I was a student and it feels so good to not have to worry about budgeting four books specifically although we do encourage if students are able to purchase their books that's great but if that's not something that you can budget for then at least you know that you won't run into troubles with that.  

The university has enough books that you can loan it to 20 weeks at a time and also we give free e-books for each and every one of your classes or lectures. Another thing that we include which includes that value for money is online training, laptop loans, printing, yes there is free printing on campus and especially if you're a postgraduate or student who's doing their dissertation that is a lot a lot of pages that you'll need to print at some point.  

If you stay at a hall of residence then all bills are included. I'm talking electricity, Wi-Fi, heating, water, even a weekly cleaner for the shared spaces like the kitchen, hallways, living room. All of those are included in your fees so I think it's honestly a great value for money.  

All right so let's talk about paying your deposit. So paying your deposit is the final part or the final step to secure your place at Middlesex University and after which you can sit back you can write relax, and then wait for your CAS if you need a visa.  

So CAS statements, CAS stands for confirmation of acceptance of studies. CAS statements will not be sent out to students who have not paid a deposit or provided evidence of having been granted a loan.  

So that's why it's important to pay your deposit as soon as you know that you want to come to the equal sex, as soon as you receive an unconditional offer status as soon as you're able to. Your deposit will be stated on your offer letter, and it can go from 1 ,000 pounds up to 50% of your first or only year's tuition fee.  

It really varies. So please look back to your offer letter, see how much deposit you need to pay. If you wish to defer your place, then you'll be asked to complete the application process and pay the deposit before your application is deferred to the next year.  

So be mindful of that as well. Deposits are non -refundable, except if you are denied a student visa. So if you pay a deposit, it is expected that you will be coming to Middlesex University, right? Just keep those things in mind regarding the deposit.  

Now, how do I pay my tuition fees? Half of your yearly tuition fee should be paid upon enrollment, and the deadline is normally at the end of the month of enrollment. So at the end of September, if you're a September starter or at the end of January, if you're a January starter, of course.  

So it really depends on your start date. But normally the rule of thumb is at the end of that month is when you have to pay at least 50 percent of your full year's tuition fees. You can pay tuition fees by a lot of ways except for cash.  

So you can pay tuition fees by bank transfer. You can pay it over the phone with a credit or debit card or our preferred way, which is online payments with most major credit or debit card. The reason why we prefer that is because you, as a student, you're able to get a receipt right away.  

Just email to you seconds after payments. And we will cover the bank account information just a bit, but do not stress about not having bank accounts just yet, because this is part of what happens during the Welcome Week.  

And you'll receive more information about opening a bank account in the UK closer to enrolments. I just had a student yesterday very worried about not having a bank account in the UK. And of course, they don't have it yet because they're not living in the UK.  

So those are things that come after you enrol, in fact. So don't worry about having a bank account just yet in the UK, but do have those tuition fees and accommodation fees beforehand. All right, so let's talk a little bit about the student budgeting.  

This information. information will be very useful to you if you want to take notes or if you want to wait for the recording, then do that please. So living costs, these are some of the estimated costs of living, which again may vary a lot from, or may differ a lot from your country of residence currently.  

So accommodation, bills and insurance, just expect it can go anywhere from £550 to £800 pounds per month. Food and household items are normally around £80 per month, so normally like £20 per week.  

Then think about leisure, sports, entertainment, right? These are part of the things you want to include in your budget, and it looks anywhere from around 95 pounds each month. Local transportation. If you live by the university and you're just walking to and from the university, the local transportation can be very low.  

Or it can go normally from £50-100 each month. Also be mindful that you're able to get a student oyster cart for transportation, which gives you about, I think, 30% discount on weekly, monthly, seasonal or yearly travel passes.  

And then also think of one off costs that normally happen once a year or every so often in the year, not very, not month to month. And these are things like flights to and from your home country, treats for yourself like, I don't know, a very special clothing item you want to treat yourself with on your birthday.  

Things also like traveling around Europe. It's something that our students doing that I remember I did a lot and I enjoyed a lot, because although it is very easy to come into a lot of parts in Europe and even the world.  

These are things that you need to budget for right budget for the trips the entrance tickets to the London I for example it's something that you're not going to do every month, but that you will do one time or maybe twice in a year.  

All right, so those are things that you have to budget for also be mindful in here I want to write a huge asterisk. These living costs will vary, you could be living more extravagantly than this, or more affordably than this, and it all depends on your lifestyle.  

Okay, really all depends on your lifestyle. That's the rule of thumb in the same way that in your city, you could be living towards the most extravagant and or the most affordable and that's the same way which you can expect life to be in the UK while you're a student. All right, so just keep those things in mind. And here we have some costs of rent for a few years ago, so you have an idea of what to expect.  

And here we have, for example, our five halls of residence, that's Usher Hall, Platte Hall, Ivy Hall, and Olympic Way. More accurate, too, not tuition fees, more accurate fees can be found on our website.  

And it's important to know that we do 40 week contracts and 50 week contracts in Ivy Hall, and also at Usher Hall, but you would need to discuss that with the accommodations team. As I mentioned before, bills are included, so consider gas, electricity, internet, all of that to be included.  

Alright, now opening of bank accounts in the UK. Let's talk a little bit about that. So opening the bank accounts in the UK can take a few weeks, so please allow for enough time and adjust your expectations.  

You can also try and apply online to speed the process. I would say it is wise to bring a traveller's check or small amounts of cash with you in case there are delays, but many places accept cards as a form of payments.  

You can see the main bank on screen but an alternative bank and a very popular bank is an online bank called the Monzo, so go check that out when you can. It's very accessible, very easy to join. And it's something that our international students use a lot and enjoy.  

Alright, so normally banks will require an ID or passport with a visa. If you're an international student, you would also need proof of address in the UK so that's normally why you need to first arrive in the UK prior to opening a bank account.  

And you will need proof of studies, like your MDX offer letter or your student ID. Once you become a student, you have access to the student portal, you're able to download a bank letter, it's what we call it, which is normally what students provide in order to address all these documents that they need to provide.  

Alright, and that is pretty much all from my side, I will now leave you with one of our student ambassadors. Her name is Divya. Divya, what can you tell us today?

Thank you so much. So before starting, I just give a brief introduction about myself. So I'm Divya Samani, I'm from Mumbai, and I was a September intake last year, and I'm doing my master's in digital marketing. I have worked in India for six years, and I'm currently staying at one of the students accommodation.  

Next slide please. Thank you. So, I could see many questions in our chat box about should we wait, or you know how to accept so firstly I would suggest do not wait if you've got a scholarship, please go ahead and pay a deposit you wouldn't want to miss this.  

Another thing is for scholarship university would contact you. If you receive a scholarship, it is you would mostly get via a mail. So do not worry patiently just wait, and it is not completely an academics.  

For me it was my work experience as well for you it could be non academic as well. And if you still, it has been long and if you still haven't had any response, you could contact your regional office they would surely help you in any way they can.  

Next slide please. Yes, so this is a chart that I've made of what expenses you could probably have and what is the solution for that. So, as a student when I came here. I'm still a student but yes traveling was very expensive and for that one of the biggest solution I saw was the Oystercard.  

As rightly mentioned by Gabrielle in the starting that we do get a 30% off on a student Oystercard so make sure you get that once you land in London. For accommodation, Middlesex University provides university hall as well we have five halls you could choose from depending on the location and what lifestyle you're looking out for but at the same time.  

We also provide private accommodation like a list of places where you could go and you could talk to and you could see what suits your need. Another major expense is the food. So, for our university it does provide on campus food like there is a food court where you would have big brands like Gregg's or Subway where you could you know the food is at an affordable rate.  

You could also cook food, I would highly recommend that to cook food on your own because outside food is expensive. And there are also tie ups with a Middlesex University which is then the latest slide like cost cutter where you would find things at much cheaper rate once you show your student ID card.  

So there will be other expenses, miscellaneous expenses which you would have to take care. So I would recommend if you have time try to find a part time job so that you could balance your expenses as well.  

And printing is very expensive here if I compare it with my home country but thankfully university, we have free printing. So that's a great deal. Next slide please. Yes, as I mentioned, student Oystercard is a must you would get 30% off.  

There are other tie ups for example even at co -op there are student discounts. So co -op is basically a grocery store where you would find everything right from your food to frozen food to fresh vegetables.  

So they do give a student discount. And you would also get discounts I'm sure you would have heard about Tesco, Aldi and Little. these places to offer your student discount. So make sure when you come over, when you land in London and you go for shopping, make sure you carry your student ID card and show it to them so that they can give you a student discount.  

Next slide please. How to manage your finances. Grocery, as I said, food is one thing which is important and which would be expensive. So these are the places which I found which are at an affordable rate, that is Tesco, Co-op. Co-op is less than five minutes from my university. Aldi, Lidl and Poundland. These are top five places where you will be able to manage your entire food expense under probably 300 pounds for the whole month.  

Next slide please. So now I would give it to my colleague, you please take forward. Thank you so much. Thanks, Divya. So hi, everyone. This is Yuhui. I'm from Malaysia, and I'm a financial student and with a sex university.  

So I'm currently pursuing my BA in Business Management in Supply Chain and Logistics. So next slide, please. So I'm going to share some of my personal experience when paying the deposit as well as the tuition fee.  

So I myself would prefer to pay over the bank transfer via the Western Union. So I believe that around a few might have heard of this Western Union. So international student and you or UK student, they can now actually pay your own tuition fee using this platform that provided by Middlesex powered by this Western Union.  

So this allows you or your parents to pay your fees in the currency of your own choice, then giving you a simple, quick and secure way to initiate a payment. So you should be aware that this is the only approved, legit method for students to carry out a bank transfer.  

Next slide, please. So I do have some money saving tips as a student in London. So first of all, don't forget to budget. It is important to budget because budgeting can be the key when it comes to tipping tap on your own money.  

So you know exactly what's coming in and going out. So I do have a tip, so you can actually download all those budget banner app and then to help you to plan. Also find out what can get you free. So when you are a student in the UK, there are some things that you don't have to pay for, for example, like, you know, you can actually get the medical prescription from the GP for free.  

So next slide, please. Save on your travel. I believe that Divya has mentioned that earlier. So get yourself a 16 to 25 rear card and then link that with the oil. still cut and then you will be able to get a 33% of you know of travel from the tube.  

Also student discount so you can actually register with the uni day website or as well as the student bin website for more discount on those leisure and entertainment also you will be able to get discount in hundreds of high street shops, restaurant, theater, cinema or other attraction for example like London Eye and others with a valid student ID.  

So do you have any question? Wonderful thank you so much ladies. All right so I we do have several questions that I've collected on the chat and I will try and address as soon as possible or as quickly as possible.  

All right so one of the questions is and if you ladies want to answer them as well, just let me know. Are there any scholarships or discounts available for international students and undergraduates? Yes, there are scholarships and discounts available.  

Apart from the ones that we've discussed, I would say contact your regional office. Next question is, are there scholarships available for postgraduate international students? The answer is yes. So normally regional awards go from anywhere from £1,000 to £5,000 for international students, whether you're an undergrad or postgrad student.  

And you should contact your regional office to know how to apply. If you're a student, for example, from the Americas, that's North and South America and the Caribbean, then you can apply online on a form that we have on our website.  

If you're a student from other parts of the world, there also should be a form out there. So please contact your regional office for that. Next question, from where can I access the information regarding scholarships for postgraduate international students?  

Well, the best and most straightforward answer is from a webinar like this, but you can also, and this is what I advise every student, reach out to your regional office because they would be the best people to know, the scholarships that are available in your country, in your region, the scholarships that you can access.  

So make sure to contact your regional office as well. And then also on our website, you can go to nds .ac .uk and search for scholarships. And we have a webpage that's specifically about scholarships, all types of scholarships.  

Next question is, what is the deadline to pay the deposit for international, or sorry, for the September intake? So the deadline to pay the deposit for the September intake will vary. And this is a common question that I found out there on the questions that we had here on the chat.  

Your deadline is normally three weeks or 21 days after you get an unconditional offer. And basically what we do is we hold a spot for you because we just made an unconditional offer, we hold a spot for you and we hold it for three weeks, right?  

And give you time to pay that deposit. If you don't pay the deposit in three weeks, that doesn't mean that your offer will be rejected or that it will be taken away. It just means that we will prioritize other students, we will hold that for other students.  

So you really wanna pay within this three week timeframe. But if you need an extension, just contact your regional office and say, hey, I'm gonna need another week or two to sort out my finances or to make up my mind before I make this deposit payment.  

So yes, you should pay a deposit after receiving an unconditional offer letter. Now if you're a UCAS student, you may not receive an unconditional offer letter right before because a condition of your offer is to pay the deposit.   

So normally what will happen is you have a conditional offer, you firm your conditional offer, and you are approved of all of the academic conditions of your offer. You meet all of the academic conditions of your offer and if the only condition of your offer left is paying the deposit, then admissions will update your status to unconditional accept, and that's how you can then make the deposit online.  

Again, if you have any more questions or need specific one to one advice, reach out to your regional office, get them on the phone, allow them to explain everything for you. Next question, when will I know my scholarship around?  

Well you first have to apply for that scholarship, if applicable, because some scholarships are automatic like the ones that I mentioned for the EU or EEA. But if you're, if you've applied for a scholarship, you should hear back in a specific timeframe.  

Normally it's within three weeks but it can take a little bit longer at some times. You will either be sent an email with this scholarship amount information like you've earned a £3,000 pound award or £5,000 award.  

Or you will get an updated offer letter by email. So if you've applied and if you've applied to the scholarships, and you get a random offer letter again, then that's why it's been updated with your scholarship.  

Next question. My refundable, is my deposit refundable if I refuse for visa? Yes. Deposits are non-refundable. with the exception of if your visa is refused. So only for that reason, if your visa is refused, then and only then are you able to get a refund of your deposit.  

What you could do alternative is again, speak to your regional office or to our visa advisor, see if you could be eligible to study in the next term or next year, and then just leave your deposit there because it will be applicable for the next cycle or the next entry term.  

 If that ever happens, just reach out to your regional office and say, hey, what are my options? How can I, what should I do? Should I get a refund? Should I just defer the application for next year? What are my chances to getting a visa next year?  

 So that's an option. Another question, if I've received a conditional offer and I have accepted it, do I have to pay the deposit amount after we received an unconditional offer letter? Yes, we don't take money, we don't take a deposit unless you've met all of the academic conditions of your offer. So let's say that you still have a few conditions, for example, to provide English language and you have a conditional offer, you've earned it, but you still have to provide that English language test, then we don't take any money from you until you have showed us the certificate, the English certificate or the condition of your offer, and it's been approved.  

Only then are we able to move on to the deposits. All right, another question that we have here. I have started my last year bachelor's degree in January 2022. When can I apply for a master's and apply for available scholarships?  

This is a good question. It seems to me that you've just started looking at Middlesex University as an option and you want to apply. Well, it will depend on which month of the year you will finish your bachelor's degree in order to apply for master's.  

So for example, we have two entry dates in the year and that's September for all of our programs and then January for only a handful of our programs. So let's say that your last year of a bachelor's degree in January 2022.  

So that means that you're already free from your bachelor's. You graduated in everything. You can apply for September 2022 starts and you should apply as soon as possible. Now, you don't need to have finished your bachelor's to apply.  

You can apply without having completed your bachelor's degree, but just make sure that by the time the master's degree starts, you will have finished completely have a diploma, have your full transfers.  

So that's what's important. So yes, you can apply for a master's degree tonight. I advise students to apply, especially if you need a visa, to apply a year to at least six months before, because that will allow us enough time to process your application for you to process a visa and join us in time for the start in September, 2022.  

So yeah, I hope I answered your question. Next question, oh, and the other part of your question is when can I apply for a scholarship? Remember, you have to first apply for the program, and once you get an offer from the program, then you apply for the scholarships.  

So whenever you get an offer, whether it's conditional or unconditional, then that's when you can apply for the scholarships, okay? For our scholarships, if you're applying for a Commonwealth scholarship or a achieving scholarship, then you want to follow those deadlines.  

Next question. Are there funding programs available for international postgraduate students? So there aren't federal loans or there aren't UK loans that you can apply for. But you can definitely apply for scholarships and bursaries and regional awards at Middlesex.  

When and how should I apply for Visa? We have a whole webinar on PASES for students that are in that stage. But just to give you a quick breakdown, first you have to apply for the university. Then if you are granted an offer, an unconditional offer, and you have paid your deposit, then you apply for your Visa with a unique code that we sent you.  

We, the university as your sponsor, have to send you this unique code, and that's only when you're able to apply for a Visa. So if you're worried about visas now without even applying, don't. There's no reason to worry about visas now.  

First worry about applying to the university, then meeting the conditions of your offer, if any. Pay your deposit, getting that unconditional offer, because only then are you able to start with a Visa application.  

We walk students by the hand if necessary. We have teams that are able to give you immigration advice, immigration information that can help you have webinars at that time. But to give you an idea for September starters, it's normally in the summer when they start applying for the visas, and so that's when the university gives those resources to apply for visas and help with that.  

Do you need to, this is a follow up question, do you need to be accepted to a university? apply for a visa, the answer is yes. You don't apply for the visa first for a UK visa and then apply for university, that's not the way.  

The correct way is you apply for the university first for your program, then you're given an offer, then you meet those qualifications, you pay a deposit, and that's basically when you're sure that you're going to this specific university and you have a place in this program only then are you able to apply for the visa, okay?  

So that's a common question that students get and thank you so much for the students ask and thank you so much for asking. So moving really quickly here, when should we expect a CAS after deposit payment?  

That's another good question. So universities are not able to send out CAS statements more than six months from the start of your programs. If assuming that you've already have an unconditional offer, assuming that you already paid your deposit, You're just sitting, you know, waiting for that CAS.  

As a university, we're not able to send it any sooner than six months. So the sooner you will receive it is in March, but the university itself can say, you know what? We're maybe not ready to send it in March, so we're gonna send it in May, June, and July.  

Okay, so the university has that capacity as long as it's no sooner than six months from the start of the program. Is there any possibility for getting student loans for international students? Yes, there is a possibility, but not in the UK.  

You're not gonna get UK student loans as an international student, but you may get student loans from your own country, from your home country. So for example, Canadian students are able to get provincial loans in their country, which they can apply, and we are able to administer animals at university.  

The same for USA students. They're able to get US federal loans or FAFSA loans, and we're able to administer those in the UK. So check within your home country what types of loans you can get, whether they're government loans, whether they are bank loans, and yes, you can apply them too.  

We are able to administer those loans, but as an international student, you will not be able to apply to UK loans, okay? Can postgraduate fees be paid in installment? Yes, international students pay a deposit and two installments.  

So you pay your deposit as soon as you're getting as soon as you receive and accept your unconditional offer. And then you pay in two installments over the year. If you're a postgraduate student and a September starter, that would be the rule of thumb is at the end of September, that's the deadline of your first installment.  

You have to be 50% of your tuition fees by the end of September, and the remaining fees minus any scholarships or reaching awards by the end of January. Specific dates vary every year, of course, and they're not on the top of my head, but it's normally that one.  

I deposit when you get an unconditional offer, 50% of your tuition fees in September and the remaining fees minus adding scholarships in January. All right, I just see some questions here, which I'm afraid I'm not gonna be able to respond at this moment because we're running out of time.  

Let me see if there's any last minute question that I can... So I have a question here about location. Which area is best to live in financially and safe near the university? This is a great thing and this is why I love the fact that Middlesex University is located in a neighborhood, a suburban neighborhood called Hendon.  

And that is because our neighborhood is very affordable in comparison to the Central London. So students are able to live in London and enjoy everything that London has to offer, but also we're located in an area where amenities like housing, right, rent, is a lot more affordable.  

However, we're only doorsteps from Central London. We're like 20 minutes into Central London. So this is another reason why if you want, you're thinking of, yes, I want to go to London. I want to study, but I also am financially aware that I have a budget to stick to.  

Middlesex is a great option. All right, so unfortunately we cannot go through all of these wonderful questions that you have because we are running out of time. But I want to thank you so much. I will see if our marketing team is able to give me a transcript of all of these questions and we can email you or we can send those questions to the specific regional office so that they can email you the answers.  

So thank you so much for your questions. Thank you for sticking with us during this time. And I hope this has been useful for you. All right, have a great day. Bye. Thank you.