École de Technologie Supérieure, Montréal

Based in Montreal, Canada, École de Technologie Supérieure is a Canadian university that offers Ph.D., graduate, and undergraduate programs to both, domestic and international students. Founded in 1974, the university has a student body of more than 10,600 graduate-level and undergraduate students. Being a public institution with an emphasis on cooperative education, École de Technologie Supérieure is ranked 4th in Canada and 1st in the province of Quebec.

Undergraduate Programs and Field of Concentration

Students can choose from a number of undergraduate programs, including Software Engineering, Mechanical Engineering, Electrical Engineering, Operations and Logistics Engineering, and others. Certificate programs are also available, including Telecommunications, Industrial Production, and Facility Management, among others. All programs are offered in French only. In addition, the university offers short programs in Productivity Optimization, Industrial Management, Maintenance Planning and Management, and others. Again, short programs are available in French only.

Graduate Programs and Focus Areas

École de Technologie Supérieure offers an array of graduate programs, including specialized graduate programs and Master’s Degrees. Students can choose from different focus areas, including healthcare technology, telecommunication networks, innovation management, and others. Students are welcome to choose from an array of different graduate programs such as Software Engineering, Information Technology, Environmental Engineering, Automated Manufacturing Engineering, and others. The university also features a Master’s Program designed for engineers who are trained abroad. A special emphasis is placed on the management and design of engineering projects that are implemented in Canada. Again, graduate students are offered short programs such as International Project Management, Environmental Engineering, and Engineering Project Management, among others.

Short and Specialized Programs at the Graduate Level

Specialized graduate programs are also available and cover different fields of management and engineering. While short programs cover 15 credits only, students enrolled in specialized programs take 30 credits. They can choose from a pool of specialized graduate programs such as Urban Infrastructures Engineering, Software Engineering, and Construction Engineering, among others. Students take different courses with a focus on energy efficiency and renewable energy, financial engineering, healthcare technologies, and automated manufacturing.

The university also offers a Ph.D. program to students who are interested in pursuing a research career. The program pools together academics from different fields and departments, including information technology, construction engineering, mechanical and electrical engineering, and others. Students are awarded a Ph.D. degree for projects that make a significant contribution to the field of technology or science.

The Application Process, Documents, and Test Results

Applicants holding a post-secondary diploma are asked to provide information such as their overall average, date of attendance, name of institution, field of concentration, and type of course or diploma program. Applicants with work experience provide information such as ending and starting dates, position, and name of employer. All applicants are requested to submit copies of diplomas or transcripts, except for École graduates. Students who have passed TCF, DALF, DELF, or TFI must submit a photocopy of the results. Students applying for doctoral studies must submit a short thesis proposal of about 500 words. Finally, applicants are asked to present a proof of their legal status, which can be a copy of the back and front of a Permanent Resident Card or citizenship card, birth certificate, or citizenship certificate. An application fee of $44 applies and can be paid by MasterCard or Visa card.

Getting a Bad Credit Loan in Quebec

People with bad and tarnished credit usually have fewer options compared to those with good and excellent rating. In Quebec, there are finance companies and other providers that offer short-term loans based on income and assets.

Options for Borrowers

Finance companies offer different options to borrowers with less-than-perfect credit, among which unsecured personal, secured, and payday loans. Payday loans go with short terms of 3 – 4 weeks to several months and very high interest rates. This is a last resort for emergencies such as late utility bills, medical emergencies, etc. A better option is to apply for an unsecured personal loan as the rate is lower compared to payday providers. However, the rate is still high and can vary from 30 to 40 percent, depending on the amount required. Amounts vary from $1,000 to $15,000. If you borrow $15,000 at a rate of 35.99 percent, for example, you will pay $156 weekly for a period of 60 months. Finance providers usually offer lower rates of about 20 percent for secured loans in the range of $15,000 – $25,000. In this case, if you borrow $25,000 at a rate of 19.99 percent, you will only pay $133 weekly over a period of 120 months. Secured loans, however, require some form of collateral or guarantee, which can be your home, mobile home, vehicle, or another asset of value. Some finance providers also accept land and trailers. However, only assets that are insured and paid out in full can be used as collateral. Borrowers qualify provided that they don’t have any outstanding loans. The good news is that the loan amount depends on the value of the collateral and not on credit rating.

A secured savings loan is a fourth option to look into if you have tarnished credit. In this case, borrowers are not required to pay the balance in full but it is important to make the minimum payment when due. A secured credit card is one alternative to bad credit loans and a way to rebuild credit with regular and timely payments. Many finance companies and banks in Quebec offer secured cards to customers with limited or no exposure and poor credit. The credit limit depends on the deposit made, and the deposit itself serves as a guarantee.

How to Apply

The majority of finance companies offer the option to apply online via a simple application form. Providers often advertise easy and hassle-free application process and instant decision. Applicants are also free to contact the provider by phone or visit a local branch of their choice. Borrowers are asked to provide financial, employment, and personal information such as income source, loan purpose and amount, whether they get paid on a monthly, bi-weekly, or weekly basis, etc. Your income source can be a combination of welfare, child tax benefit, disability income, pension income, employment insurance, part-time or full-time employment, and so on. Finance companies are also interested in whether you own or rent and whether you have declared bankruptcy or are in a debt management program. With some providers, applicants are asked about the loan purpose, for example, the purchase of an asset, car repairs, emergency expenses, or unpaid bills. Finally, you will be asked about your gross monthly income and whether you need a micro or regular loan.

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