The Students Trust International Plan is a long term savings plan for parents and others to save for a child's college or university education. The Plan is currently available in two currencies - US or Canadian $.
You can sponsor a child age 0 to 12 by making deposits to the Plan either annually or as a lump sum. The principal you contribute to the Plan is always returned to you and the income earned on investment of the principal accumulates for the benefit of the child when they qualify for college or university.
This plan is designed primarily for individuals who wish to send a child to college or university where the quality (and consequently, cost) of education is highest - the U.K., the US, Australia or Canada. However, a child can attend any qualified education institution anywhere in the world and still receive the benefits they are entitled to under the Plan.
The chart below shows the annual cost of attending university in the most popular countries for international students.
Average tuition fees per academic year for international students | Average cost of living per academic year | US | Cdn | ||||||
 | Canada | $5,264 | + | $6,737 | = | $12,001 | $18,841 | ||
 | Australia | $7,598 | + | $6,043 | = | $13,641 | $21,417 | ||
 | United Kingdom | $11,694 | + | $8,832 | = | $20,526 | $32,045 | ||
 |
United States (public) | $10,428 | + | $8,760 | = | $19,188 | $30,125 | ||
|
United States (private) | $18,273 | + | $9,404 | = | $27,677 | $43,451 | ||
Figures correspond to average projected costs over an academic year (nine months) | |||||||||
These figures have been obtained from the Association of Universities and Colleges of Canada and represent costs for the academic year 2003. The figures do not include travel costs from your home country or visits during the school year for the student. While many people consider these costs unattainable, education savings plans have proven over time that a disciplined savings approach with prudent and conservative investment strategy can make the dream of an international education a reality.
Contributions are invested in government and government guaranteed bonds, a very safe investment choice that focuses on preservation of capital and healthy returns over long periods with very little risk.
As further protection, all deposits and income are placed under the control of an independent trustee, HSBC International Trustee(BVI) Limited, a registered Trust Company approved by the Financial Services Commission in the British Virgin Islands. All investments are held by the Trustee in the name of the Students Trust International Plan.
The plan structure is similar to Registered Education Savings Plans (RESPs) that are offered to Canadians in Canada. This vehicle has been offered in Canada for over 40 years with industry assets under administration of over $3 billion Canadian. If you are a Canadian resident or want more information on the RESP, visit one of the following web sites: www.cst.org, www.usc-resp.ca or www.universitas.qc.ca.
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