What scholarships are available and how much can we get since we need to take an education loan in New Zealand/UAE for a Master's/Postgraduate?

You can access several scholarships for master's programs in both New Zealand and the UAE, which can significantly reduce your education loan needs.

New Zealand:
- Manaaki New Zealand Scholarships: Fully funded, covering tuition, living allowance, travel, and insurance for top academic profiles.
- University of Otago International Master's Research Scholarship: NZD 18,204/year stipend plus tuition waiver up to NZD 35,000 for thesis-based programs.
- University of Auckland India High Achievers Scholarship: Up to NZD 20,000 towards tuition.
- Victoria University of Wellington Postgraduate International Scholarship: NZD 10,000 towards tuition.
- Lincoln University International Scholarships: NZD 3,000 - 5,000 tuition waivers.

Most New Zealand scholarships offer NZD 10,000 - 20,000, with some fully funded options.

UAE:
- Khalifa University Graduate Scholarships: Full tuition, monthly stipend, accommodation, and health insurance for select fields.
- MBZUAI Scholarships: Fully funded, including tuition, accommodation, stipend, and travel for AI programs.
- American University of Sharjah President’s Scholarship: Full tuition for outstanding students.
- Abu Dhabi University Merit Scholarships: Up to 100% tuition coverage based on GPA.

UAE scholarships often cover full tuition plus stipends and accommodation.

Scholarships can reduce your loan amount by covering part or all tuition and sometimes living costs. The exact benefit depends on your chosen university and program.