Significant savings of upto INR 30 Lakhs compared to studying full degree in Canada1
Upto36 Months
Eligible for PGWP/Post Study Work/OPT visa application after graduation2
CAD47 K
Average salary in Canada after completion of the course1
Specialisations
Finance & Accounting
General Management
Energy Management
Supply Chain Management
Project Management
Program Structure and Fees
Bachelor of Business Administration is a 4Years Undergraduate Course, where in the first year you will be studying online from Golden Gate University Worldwide. This program offers an opportunity to avail academic support at the upGrad's Learning Support Centre in Hyderabad. The tuition fee for Year 1 of the online course shall be INR5,08,500 per annum. For theremaining years, you will be transferring your credits to Canada and studying at Yorkville University. The Tuition Fee for Yorkville Universitywill approximately be CAD 16,200 per annum. You will also have to incur approximately CAD 20,635per annum as living costs in Canada.
Golden Gate University Worldwide
Country
India
Course Name
Certificate in Business Management
Eligibility
Students who have appeared for 10 + 2 examinations, (e.g. A level, CBSE, HSC, IBDP, ISC, etc.) with 50% or above marks are eligibile.
Students who have completed class 12th within the last 3 years prior to enrolling in the program will be eligible. Students who are already enrolled in any graduate or undergraduate programs shall not be eligible to apply.
Tuition Fees
INR 5,08,500 per annum
Cost of Living
N/A
Mode of Teaching
Online
Duration
1 Year
Yorkville University
Country
Canada
Course Name
Bachelor of Business Administration, Supply Chain
Bachelor of Business Administration, Energy Management
+3
More
Eligibility
The applicant should successfully complete 1st Year of Certificate in Business Management from GGU with 2.0 GPA or above.
TOEFL score of at least 550 (written version) or 80 (Internet based version) or IELTS score should be more than 6.5 or equivalent or a Canadian Academic English-Language Test (CAEL) score of 60 or higher or a score equivalent to these scores on another test of English language proficiency recognized by and acceptable to the university.
Tuition Fees
~ CAD 16,200 per annum
Cost of Living
~ CAD 18000
Mode of Teaching
On-Campus
Duration
3 Years
Other Benefits
Eligible for transfer to on-campus studies in top Canadian University
Support with TOFEL / IELTS training and study abroad modules to meet Canada study requirements
Significant savings of up to INR 30L+ compared to a traditional 4-year on-campus Canadian degree
Daily live classes as well as small group coaching sessions
End-to-end application, counseling and visa application assistance from upGrad
Post Study Work Visa opportunities (upto 3 years) as accessed by graduates of standard Canadian degrees
Dedicated Student Success Team
About Golden Gate University Worldwide
GGU Worldwide meets the needs of students for the next century by making higher education affordable, accessible, and in multiple languages to students worldwide. Golden Gate University is an accredited nonprofit institution founded in 1901, located in the heart of San Francisco’s financial and high-tech district and near Silicon Valley’s global epicenter for innovation.
GGU Worldwide builds on Golden Gate’s three decades of experience offering high-quality, practice-based online education. GGU Worldwide’s high-quality, practice-based degree programs are delivered by experienced practitioners, influencers, and thought leaders. GGU Worldwide’s high-quality, practice-based degree programs are delivered by experienced practitioners, influencers, and thought leaders. Having received the accreditation of WASC Senior College and University Commission (WSCUC), the university strives toward developing new competencies amongst our graduates to be skilled in their respective domains.
About Yorkville University
About the Yorkville University
Yorkville University (YU) is a private, not-for-profit university located in Toronto, Canada. Established in 1990, YU offers a wide range of undergraduate and graduate programs across various disciplines. With a focus on flexible learning options and industry-relevant curricula, YU has gained a reputation for providing quality education and preparing students for successful careers.
Latest About Yorkville University
Yorkville University has recently elevated its application services to encompass new and thrilling disciplines. This reflects the college's dedication to staying at the forefront of higher training and presenting students with relevant and in-call for abilities. Additionally, Yorkville University has been diagnosed for its progressive technique to teaching and studying, incorporating technology and mixed gaining knowledge of methodologies to decorate the pupil experience.
Furthermore, the university has persevered to strengthen its partnerships with industry leaders, imparting students with precious networking opportunities and realistic experience. These developments solidify Yorkville University's role as a leading group for best schooling and professional advancement.
Highlights of Yorkville University
Feature
Description
Location
Toronto, Canada
Type
Private, not-for-profit university
Established
1990
Programs
Offers a wide range of undergraduate and graduate programs across various disciplines
Learning Options
Provides flexible learning options, including online and part-time programs
Industry Partnerships
Has strong industry partnerships to provide students with practical experience
Focus
Emphasizes career-oriented education and preparing students for success in the workplace
Accreditation
Accredited by the provincial government of Ontario
Campus
Modern and well-equipped campus facilities
Student Support
Offers a range of student support services, including academic advising, career counseling, and financial aid
History of Yorkville University
Yorkville University (YU) was founded in 1990 with the mission of providing accessible, flexible, and career-focused education. Since its establishment, YU has grown significantly and has become a recognized institution in the Canadian higher education landscape.
Key milestones in YU's history include:
1990: The university was founded as Yorkville Business College.
1996: YU achieved university status and expanded its program offerings.
2000: The university relocated to its current campus in Toronto.
2013: YU launched its online learning platform, making its programs accessible to students across Canada and internationally.
2018: YU celebrated its 25th anniversary, marking a significant milestone in its growth and development.
Throughout its history, YU has remained committed to its core values of accessibility, flexibility, and career-orientation. The university has focused on providing students with practical skills and knowledge that are relevant to the job market, enabling them to succeed in their careers.
YU has also played a significant role in public education in Canada. The university has been involved in various initiatives to promote access to higher education and to meet the evolving needs of students and the workforce.
Yorkville University Courses
Program Type
Courses
Undergraduate
Business Administration, Marketing, Finance, Human Resources, Accounting, Economics, Computer Science, Information Technology, Psychology, Sociology, Communications, Journalism, Public Relations, Education, Health Sciences, Nursing, Social Work, Hospitality Management, Event Management, Tourism Management, Graphic Design, Interior Design, Fashion Design
Graduate
Master of Business Administration (MBA), Master of Arts (MA) in various fields, Master of Science (MSc) in various fields, Master of Education (MEd), Master of Public Administration (MPA), Master of Social Work (MSW), Master of Health Administration (MHA), Master of Arts in Counselling Psychology, Master of Arts in Criminology, Master of Arts in International Development
Online Programs
Many of the undergraduate and graduate programs are available online, offering flexibility for students
Popular Courses
Yorkville University (YU) offers a variety of popular undergraduate and graduate programs. Some of the most sought-after courses include:
Undergraduate:
Business Administration
Computer Science
Psychology
Nursing
Marketing
Finance
Graduate:
Master of Business Administration (MBA)
Master of Science (MSc) in Data Science
Master of Arts (MA) in Counselling Psychology
Master of Social Work (MSW)
Master of Public Administration (MPA)
The popularity of these programs often reflects the growing demand for professionals in these fields and the relevance of the courses to career opportunities.
Yorkville University Placements
Yorkville University (YU) has a strong focus on career preparation and has established partnerships with industry leaders to provide students with valuable networking opportunities and practical experience. This commitment to career development has contributed to positive placement outcomes for YU graduates.
While YU does not publish specific placement statistics, many graduates go on to find employment in their chosen fields or pursue further studies. The university's career services team offers guidance and support to students throughout their job search process, helping them develop their resumes, prepare for interviews, and network with potential employers.
Some factors that contribute to YU's positive placement outcomes include:
Industry Partnerships: YU's partnerships with industry leaders provide students with opportunities for internships, co-op placements, and networking.
Career Services: The University’s career services team offers a range of services to help students with their job search, including resume writing, interview preparation, and career counseling.
Curriculum Design: YU's curriculum is designed to be relevant to the job market, ensuring that graduates possess the skills and knowledge needed for success.
Alumni Network: YU's alumni network provides valuable connections and mentorship opportunities for students and graduates.
Yorkville University Campus Life
Yorkville University (YU) offers a vibrant campus life with a variety of activities and opportunities for students to engage and connect. While YU may not have a large traditional campus like some universities, it provides a welcoming and supportive environment for students to thrive.
Here are some key aspects of YU's campus life:
Student Clubs and Organizations: There are numerous student clubs and organizations on campus, catering to various interests and hobbies. These clubs provide opportunities for students to socialize, network, and engage in extracurricular activities.
Campus Events: YU regularly hosts campus events, such as social gatherings, cultural celebrations, and academic conferences. These events foster a sense of community and provide opportunities for students to meet new people and participate in extracurricular activities.
Athletics: While YU may not have a large athletic program, it offers opportunities for students to participate in recreational sports and fitness activities.
Student Services: YU provides a range of student support services, including academic advising, career counseling, and financial aid.
Location: YU's campus is located in Toronto, a vibrant and multicultural city with plenty of opportunities for students to explore and enjoy.
Yorkville University Alumni
Yorkville University (YU) has a growing alumni network of successful professionals who have gone on to achieve great things in their careers. The university's alumni are spread across various industries and sectors, making a significant impact in their respective fields.
Networking opportunities: Connecting with fellow alumni can provide valuable networking opportunities and open doors to new career paths.
Mentorship: Alumni can offer mentorship and guidance to current students, sharing their experiences and advice.
Career support: The alumni network can provide support with job search, career advancement, and industry insights.
Giving back: Alumni can contribute to YU's continued success by volunteering, donating, or serving on the university's advisory boards.
YU's alumni association actively works to connect graduates and foster a strong sense of community. They organize events, networking opportunities, and other activities that allow alumni to stay connected and support the university.
Yorkville University Faculty
Yorkville University (YU) is proud of its faculty, who are dedicated to providing a high-quality education and supporting students' academic and professional success. The university's faculty members are experienced professionals with a passion for teaching and research.
YU's faculty members come from diverse backgrounds and possess a wide range of expertise. They are committed to staying up-to-date with the latest developments in their fields and providing students with relevant and engaging coursework.
In addition to their teaching responsibilities, YU's faculty members are actively involved in research and scholarly activities. This contributes to the university's reputation for academic excellence and provides students with opportunities to participate in research projects.
YU's faculty members are also dedicated to mentoring and supporting students. They are available to provide guidance, advice, and support to students throughout their academic journey.
About Canada
Canada is expected to welcome 753000 international students by 2023. From working towards increasing the inflow of international students to ensuring that every student gets equitable treatment, Canada is becoming a promising study destination for international students.
Canada offers a high quality of education aligned with state-of-the-art facilities. Let's look at a few reasons why you should study in Canada.
Research Opportunities
Why study in Canada? One of the main reasons for choosing Canada as your study destination is its education system which is focused on research and development. If you want to pursue your studies as a research scholar, there is no better option than Canada. Moreover, almost all programs are research-oriented.
Affordability
Studying in Canada for international students is quite affordable. Canada is a top choice, with lower living costs and affordable tuition fees. Moreover, many universities and the government of Canada roll out numerous scholarships for international students. These scholarships can help you in pursuing your studies at your dream college. Also, universities allow students to work part-time as a means to support themselves.
Rich Cultural Diversity
Canada is termed as one of the most hospitable countries in the world, owing to its rich and multicultural environment. In Canada, you can witness beautiful and mesmerizing events like the NHL Hockey, the Montreal International Jazz Festival, and Poutine Week.
Career Opportunities
Many students that pursue their higher education in Canada are known to find an employment opportunity within three months of their graduation. Moreover, the students are given a post-graduation work permit that allows them to work after completing their studies in Canada.
Top Universities
Canada offers its students a high quality of education, the best universities, and highly experienced faculty. The country is home to various top-ranking universities. Many students are attracted to the best universities in Canada, as they are bestowed with the best facilities and offer excellent opportunities in the long run. A degree from a Canadian university is internationally recognized, and some of the top-ranking universities in the country are the University of Toronto, McGill University, and the University of British Columbia.
Career Opportunities
All Positions
Accounting
Supply Chain
General
Energy Management
Project Management
Financial Officer
CAD 61000 Annually 1
Supply Chain Planner
CAD 61000 Annually 1
Marketing Specialist
CAD 53000 Annually 1
Assistant Energy Manager
CAD 64023 Annually 1
Logistics Analyst
CAD 51000 Annually 1
Financial Reporting Analyst
CAD 56000 Annually 1
Project Manager - Renewable Energy
CAD 51000 Annually 1
Supply Chain Manager
CAD 83000 Annually 1
Business Analyst
CAD 66000 Annually 1
Supply Chain Supervisor
CAD 68000 Annually 1
Accounts Payable Manager
CAD 58000 Annually 1
Human Resources (HR) Generalist
CAD 56000 Annually 1
Project Coordinator
CAD 55000 Annually 1
Financial Analyst
CAD 58000 Annually 1
Supply Chain Analyst
CAD 57000 Annually 1
Marketing Coordinator
CAD 50000 Annually 1
Accounting Analyst
CAD 52000 Annually 1
Office Manager
CAD 50000 Annually 1
Project Manager
CAD 89,868 Annually 1
Data Analyst
CAD 55000 Annually 1
Syllabus
Golden Gate University WorldwideCertificate in Business Management
+
Yorkville UniversityBachelor of Business Administration, Supply Chain
+
Yorkville UniversityBachelor of Business Administration, Energy Management
+
Yorkville UniversityBachelor of Business Administration, General
+
Yorkville UniversityBachelor of Business Administration, Accounting
+
Yorkville UniversityBachelor of Business Administration, Project Management
+
120
Credits
48
Months
900
Hours of learning
100+
Learners
Frequently Asked Questions
Admissions
Are Golden Gate University Degree Programs recognized by partner Yorkville University, Canada?
Golden Gate University Programs are designed and delivered as per regulations set forth by WSCUC - WASC Senior College and University Commission (The official accreditation body of HEIs in California). As an officially accredited university in the United States, Yorkville University, Canada will accept transfer credits from GGU for their undergraduate degree program - Bachelor of Business Administration. The same has been established and effectuated with an official agreement between the two universities.
Can I join this program without a TOEFL/IELTS Score and attempt TOEFL/IELTS after joining the program?
Yes, you can join this program without a TOEFL/IELTSscore & upGrad will help you prepare for the English Entrance test to establish your current English proficiency to be eligible for the BBA Program in Canada.
Can we get a TOEFL/IELTS waiver, if we study through upGrad?
To study in Yorkville University, you will have to meet university English Proficiency Requirements. Initially, we will apply on your behalf for a conditional offer letter to universities where TOEFL/IELTSscore will not be required. upGrad will prepare you to meet these English proficiency requirements through specific study material.
I have not yet received Class 12 marks, am I eligible to apply for this program?
Yes, you can apply and block your seat for the program in case you have given exams in the 2024 academic year for class 12 and have not yet received a marksheet. You can block your seat by paying INR 25,000. The rest of the fees will be payable once you receive the mark sheet. You need to score a minimum of 2.0 GPA or above marks to be eligible for the course. In case you do not score 2.0 GPA, you can request for a refund of your block payment as per the refund policy.
What is a conditional offer letter and how is it different from a confirmed offer letter?
Conditional offer letters will be issued to you by Yorkville University based on documents submitted by upGrad. These documents will be class 10th & 12th marksheets, resume, passport, two statements of purpose, two Letter of Recommendation. The conditional offer letter will be converted into a confirmed offer once students meet the conditions mentioned in the conditional offer letter. These conditions will be English proficiency conditions, successful completion of the course at Golden Gate University and any other condition which the university deems fit.
About the Bachelor’s Program in Yorkville University
How can I apply for the program?
Applications can be submitted online via upGrad.com.
Based on the confirmation of eligibility, a provisional offer letter will be rolled out.
Student needs to pay required fees to upGrad.com
Once the tuition fee is received and documents have been verified, a confirmation of enrollment into this program shall be received.
What are the course options available for a Bachelor of Business Administration degree at Yorkville University?
At Yorkville University you will have the option to pursue either of the following courses- 1. Bachelor of Business Administration, General (Vancouver only) 2. Bachelor of Business Administration, Project Management (Vancouver and Toronto) 3. Bachelor of Business Administration, Accounting (Vancouver) 4. Bachelor of Business Administration, Supply Chain Management (Vancouver) 5. Bachelor of Business Administration, Energy Management (Vancouver)
Are the Yorkville Courses recognized and accredited by any governing bodies?
Yorkville University offers the Bachelor of Business Administration programs under the written consent of the Minister of Advanced Education after having undergone a quality assessment process and been found to meet the criteria established by the Minister.The term “university” is used under the written consent of the Minister of Advanced Education after having undergone a quality assessment process and been found to meet the criteria established by the Minister.
Will I be supported for IELTS/TOEFL/CAEL or other English language exams during the 1st year of Bachelor's Degree?
Yes, upGrad will help you prepare for the English proficiency test to establish your current English proficiency to be eligible for the Bachelor’s program in Canada.
What are the English proficiency requirements for going to Yorkville?
IELTS score should be more than 6.5 or equivalent or TOEFL score of at least 550 (written version) or 80 (Internet based version) or a Canadian Academic English-Language Test (CAEL) score of 60 or higher or a score equivalent to these scores on another test of English language proficiency recognized by and acceptable to the university.
How will Yorkville help in finding internships and job opportunities after I complete a course ?
A team of Career Advisors offers one-on-one and group sessions on career development topics, including resume writing, interview preparation, and labor market information research.
University Partners
Do we get a conditional offer letter at the initial stage or after completion of the 1st year with Golden Gate University?
Once you enroll in the Bachelors Accel Program with upGrad and provide all the required documents, upGrad will submit applications to university partners on your behalf as per the scheduled intakes application timelines. University partners will release a conditional offer letter within three months of application submission.
What would be the alternate option if I could not get a conditional offer letter from one of upGrad’s partner universities?
This is a highly unlikely scenario. In case you do not get a conditional offer letter from Yorkville University, you may apply to our other partner schools or continue studying online from Golden Gate University.
How many intakes are available at Yorkville University?
Yorkville University offers two intakes for students. The first intake of the year will be the January (Spring) intake and the second intake of the year will be October (Fall) intake.
Visa2
Will upGrad help me in writing Academic and Visa SOP?
Yes, upGrad will help with your Academic and Visa SOP and will also organize training on how to write a good SOP.
Can we get a PSW visa if we study for this program in India and then for 3 years at Yorkville?
Canadian Post-Study Work visas are available to all the students who have completed at least 2 academic years on campus in Canada.
How much are living expenses for a year in Canada?
Living expenses in Canada for international students are CAD 20,635 per annum which has to be deposited in a Canadian bank as GIC (Guaranteed Investment Certificate) if a student is opting for a visa under the SDS route.
What will be the alternate pathway, if I could not get a visa from Canada after completion of the program?
As you will be studying in the Golden Gate University program, you will be able to successfully complete the course through Golden Gate University (online) in case you are not able to secure a Canada Visa.
Can I do a part time job while studying in Canada?
You may be eligible to work in Canada while studying, if your study permit includes a condition that says you can work on or off campus. As per the Canadian norms, you can work for 20 hours/week during academic terms and 40 hours/week during breaks. You must also meet all the other requirements. You can only start working in Canada when you start your study program. You can't work before your studies begin.
Payments
What is the process of payment for this program?
Initially, you need to deposit INR 25,000 as a block amount for seat booking. 15 days before the start of course and once you have Class 12 marksheet available, you need to make a complete payment of the remaining amount. You can opt for no-cost EMI with credit facility providers if you want to pay in installments.
Can I pay the semester fees?
Total fees have two components - 1. University fees and 2. Articulation fees. Articulation fees need to be paid together at once. You can avail of a 0% EMI option with a monthly installment and a down payment of INR 25,000 to block your seat. If you are availing of 0% credit card EMI, upGrad will not charge any processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI. University fees can be paid yearly.
Refund Policy
Is there any deferral or refund policy for this program?
Refund Policy: 1. Student can claim a refund for the amount paid towards the Program at any time, before the Cohort Commencement Date, by visiting www.upgrad.com and submitting duly filled refund form via the "My Application" section under profile. Processing fee of INR 20,000 will be levied while processing the refund. If a Student has paid less than INR 20,000 while registering for the program, the Student shall not be eligible for any refund in such case. 2. Student shall not be eligible for any refund under any circumstances if refund request is raised post Cohort Commencement Date and Student will continue to pay the monthly EMI for loan (if applicable)* and such loan cannot be canceled. This is also applicable for those Students who could not complete their payment and could not be enrolled in the cohort opted for. However, the Student can raise a request for Pre-Program deferral as per the policy defined below for the same. 3. In case of a refund as per point 1 of this policy, the Student will be solely responsible for any cancellation of loan, including but not limited to applicable loan cancellation charges levied on the total canceled loan amount. These charges will be decided by the third-party financial institution that has granted given loan to the Student and upGrad will have no role to play in deciding the quantum of these charges. 4. Students must pay the full fee within 7 days of payment of Caution Money or Cohort Commencement Date, whichever is earlier, otherwise the admission letter will be rescinded. 5. Request for refund should be sent via email in the prescribed Refund Request Form, post completing the steps as per point 1 of this Refund Policy. The refund will be processed within 30 working days of commencement of the program after being duly approved by the upGrad Admissions Team.
Case
Fee Deducted/Charge
Before Program Commencement
INR 20,000 (processing fee)
Post Program Commencement
No Refund Possible
*Disclaimer - Loans for educational purposes are provided by third-party financial institutions, and upGrad Education Private Limited is not involved in these agreements and is not privy to the terms negotiated between the Students and the credit facility provider.
Deferral Policy: (Pre- Program Commencement) - If a Student, due to unavoidable circumstances is unable to commence with the cohort and requests for a deferral before the Cohort Commencement Date, Student will have an option to defer to another batch. - However, the Student will be required to pay 50% of the Total Program Fee amount (inclusive of taxes) before the deferral can be approved. Till this condition is complied with, the Student will be assumed to be continuing in the same cohort. - A Student can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the batch start date of the initial batch the Student enrolled for. - The Student has time till the current Cohort Commencement Date to make the payment of the 50% of the Total Program Fee, post which the deferral request will expire. Once the deferral window expires and the Student asks for a refund after the Cohort Commencement Date, the above-mentioned applicable refund policy will apply. - The fee applicable to the deferred Student will be as per prevailing Total Program Fee for the batch Student as opted to defer to (No additional deferral fee is required to be paid).
Deferral Policy: (Post Program Commencement) - If a Student is facing severe issues in dedicating time to the course, Student will have an option to defer to another batch. - A Student can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the Cohort Commencement Date of the initial batch the Student enrolled for. - The Student will be required to pay a deferral fee of 10% of the Total Program Fee (inclusive of taxes) if any along with the differential program fees between the two cohorts. - The deferral request will be approved once the deferral fee is paid. - Till this condition is complied, the Student will be assumed to be continuing in the same cohort. - The Student has 7 days (including holidays and weekends) from the date of deferral request to make the payment of the deferral fee, post which the deferral request will expire, and the Student will continue as part of the current cohort. - If the Student completes the deferral payment, the Student’s login will be disabled, The Student will leave the deferred cohort and the Student will start learning on the new cohort from the point of the last assignment that was graded in the deferred cohort. All grades and progress till that point will be carried forward as it is to the new cohort . - The deferral can only be requested during the batch for which the Student has enrolled is ongoing. Once the batch has been completed, deferral requests shall not be entertained. For clarification, the batch completion here shall mean the “last grace deadline” as communicated by upGrad.
Case
Deferral fee
Before Program Commencement
50% program fee (including taxes) to be paid
50% program fee (including taxes) to be paid
10% of the program fee (including taxes) to be paid within 7 days as deferral fee
Post Program Commencement (8 days after program start date)
Will have to continue as a part of the current cohort
The above statistics depend on various factors and individual results may vary. Past performance is no guarantee of future results.
The student assumes full responsibility for all expenses associated with visas, travel, and related costs. upGrad does not provide any assurance or make representations regarding visa approval or the procurement of the visa.
upGrad does not grant credit; credits are granted, accepted or transferred at the sole discretion of an educational institution. upGrad does not make any representations regarding the recognition or equivalence of the credits or credentials awarded, unless otherwise expressly stated. If you intend to pursue a post graduate or doctorate degree upon completion of this course or apply for employment which requires specific credits, we advise you to enquire further regarding the suitability of this degree for your academic and/or professional requirements before enrolling.
Please note that the financial support provided by a third-party loan facilitator for the program is in the form of a Personal Loan, not an Educational Loan. This distinction means that the loan does not come with tax benefits or other amenities. We strongly advise all learners to carefully consider this information before proceeding with enrollment.
The estimates provided on savings are indicative and may vary based on the program, scholarships, and promotions available. Actual savings will depend on individual circumstances.
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