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I'm 28 with a Master's in Psychology and want to do a PhD abroad. Can 20 lakhs get me started?

Dr Pananjay K

Dr Pananjay K Tiwari  | Answer  |Ask -

Study Abroad Expert - Answered on Nov 07, 2024

Dr Pananjay Tiwari is the founder and director of Impel Overseas Education, a Dehradun-based consultancy for students who want to study abroad in the fields of engineering, science, agriculture, medicine, arts and the humanities.
They also guide PhD students who are studying internationally with their research.
Dr Pananjay has 21 years of academic and research experience and has published several books and research papers in various Indian and international journals.
He is a gold medallist with a master’s degree in science and a PhD in environmental sciences from the Hemvati Nandan Bahuguna Garhwal Central University, Uttarakhand.... more
KKB Question by KKB on Oct 28, 2024Hindi
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The age of my daughter is 28 years . She did masters in psychology along with PG diploma in guidance and Counselling. She is ineterested for Ph.D at abroad and settle there. Initially I can spare 20 lakhs for admission. Please guide me.

Ans: With a budget of 20 lakhs, countries like Germany, the Netherlands, and Canada are good options for a Ph.D. in psychology due to their funding opportunities and lower tuition costs. Look into universities offering scholarships or assistantships, which can cover living expenses. Programs in Germany often have no tuition fees, making it a financially feasible choice with high-quality research opportunities.
For more details you can visit us at www.shreeoverseaseducation.com
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Sushil

Sushil Sukhwani  | Answer  |Ask -

Study Abroad Expert - Answered on Apr 23, 2024

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Dear Sushil, My daughter ( only child) is doing her final year from Amity -Mumbai, Bsc-Clinical Psychology. She wants to go abroad .Which will be good country. What will be the Expenses and whether the career has scope abroad.
Ans: Hello MANOJ,

First and foremost, thank you for getting in touch with us. I am happy to hear that your daughter is pursuing the final year of her Bachelor of Science (BSc) in Clinical Psychology and thereafter, wishes to pursue higher studies overseas. To answer your question first, I would like to tell you that a number of variables viz., your daughter’s interests, the budget, the preferred field of psychology she intends specializing in, and her professional objectives, play a key role in deciding on a country to pursue higher studies and a career in clinical psychology. Concerning your question, I would recommend that she considers the following:

The USA is home to prestigious universities that offer outstanding clinical psychology programs. Nevertheless, costs can be high, including living expenses, tuition fees, and healthcare. Although assistantships and scholarships are available, they are highly competitive. You would be glad to know that the job prospects in the USA is enormous with opportunities in research, diverse healthcare environments, academia, as well as patient care. Next, coming to Canada, the country’s top-notch instruction and multicultural setting is well-regarded. Remember, in comparison to the USA, expenditures may be comparatively lower. However, it still calls for proper financial planning. Offering possibilities in academia, research, and practice, clinical psychology is a legally regulated profession in Canada. Universities in the UK offer exceptional programs in psychology. I would like to tell you that based on the location and the university opted for, costs may differ. Possibilities for research, teaching, and clinical practice, are offered by the country. Nevertheless, bear in mind that post-Brexit visa rules could have an impact on overseas students. Noteworthy programs in psychology are offered by universities in Australia. Remember that although expenditures can range from low to high, scholarships are available. Offering possibilities in research, clinical practice, and other mental health services, in Australia, clinical psychology is a legally regulated profession. Coming to Netherlands, the country is renowned for its advanced approaches to psychology and mental healthcare. Programs in the Netherlands are often taught in English, and tuition fees for overseas students are relatively cheaper. The employment opportunities include research, clinical practice, and policy development.

Prior to deciding on a country, I would suggest that your daughter conducts an extensive study on the visa prerequisites, demand in the labor market, licensing procedures for practicing psychologists, as well as the cultural aspects pertaining to each country. Not just that, she should also acquire counsel from professional advisors or educational counselors, as well as get in touch with experts in the field of her choosing.

For more information, you can visit our website.

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Sushil

Sushil Sukhwani  | Answer  |Ask -

Study Abroad Expert - Answered on May 13, 2024

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sir, My daughter has done MA Applied psychology from BHU. And have the work experience of 3 years. Now see need to do the PhD from abroad in good university. PhD in psychology in abroad is treated as job or not. are they give stipend, can you guide me what is required for the same.
Ans: Hello PREM,

To begin with, thank you for contacting us. I am happy to hear that your daughter has pursued her Master of Arts in Applied Psychology and now wishes to pursue PhD overseas. To answer your question first, I would like to tell you that earning a PhD overseas can be considered employment, however, with a stipend instead of a pay. You would be happy to hear that a number of universities, particularly in Europe and the USA, provide stipends to PhD students in psychology in order to help pay for tuition fees and living costs. Nevertheless, based on the country, university, and particular program, these stipends may differ.

To apply for a PhD in psychology overseas, I would suggest that your daughter considers the following:
Firstly, your daughter will need to possess a solid educational background. This entails a strong undergraduate and postgraduate academic record, which I believe she already possesses with her MA in Applied Psychology. Next, bear in mind that candidates with prior research experience are preferred by a number of PhD programs. Your daughter’s 3 years of professional experience might entail pertinent research projects, which would be beneficial. To secure admission to their PhD programs, Graduate Record Examination (GRE) test scores may be required by certain universities, particularly in the USA. Nevertheless, not all the universities demand GRE scores for psychology programs, and thus, I would recommend that your daughter examines each institution's particular criteria. Next, your daughter may require to prove her fluency in English through appearing for tests viz., the IELTS or TOEFL, if English is not her primary language. Your daughter will need to submit a well-drafted statement of purpose (SOP) highlighting her research interests, professional objectives, and reasons for wanting to pursue a PhD in psychology overseas. She will also need to submit compelling recommendation letters from professors or managers who can speak to her academic capabilities and research potential. Remember that a research proposal highlighting her proposed PhD research field may be demanded by certain programs. Lastly, evidence of one’s ability to sustain oneself financially while enrolled in school may be require in some nations.

Taking into account variables viz., possibilities for research, the experience of the faculty members, and financial resources, I would recommend that your daughter conducts an all-round study on potential universities and programs. Not just that, in order to understand how her research interests best resonate with the program’s offerings, I would also suggest that she gets in touch with academics or advisors in her field of interest.

For more information, you can visit our website: www.edwiseinternational.com

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Asked by Anonymous - Dec 02, 2025Hindi
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My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.
Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

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Mayank

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IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 04, 2025

Career
My son will be appearing for JEE Main & JEE Advanced 2026 and will participate in JoSAA Counselling 2026. I request clarification regarding the GEN-EWS certificate date requirement for next year. I have already applied for an EWS certificate for current year 2025, and the application is under process. However, I am unsure whether this certificate will be accepted during JoSAA 2026, or whether candidates will be required to submit a fresh certificate for FY 2026–27 (issued on or after 1 April 2026). My concern is that if JoSAA requires a certificate issued after 1 April 2026, students will have only 1–1.5 months to complete the entire procedure, which is difficult considering normal government processing timelines. Also, during current JEE form filling, students are asked to upload a GEN-EWS certificate issued on or after 1 April 2025, or an application acknowledgement. This has created confusion among parents regarding which year’s certificate will finally be valid at the time of counselling. I request your kind guidance on: Which GEN-EWS certificate will be accepted for JoSAA Counselling 2026 — a certificate for FY 2025–26 (issued after 1 April 2025), or a new certificate for FY 2026–27 (issued after 1 April 2026)?
Ans: Hi
You need not worry about the EWS certificate. Even if you apply for the next year's certificate on 1 Apr 2026, the second session of JEE MAINS will still be held, followed by JEE ADVANCED, which will be held in May. JOSAA starts in June. so you will have 2 months in hand for fresh EWS certificate.

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