Trent University Undergraduate Scholarships 2024 for International Students in Canada

Several Trent University Undergraduate Scholarships are available in Canada to assist international students in their academic endeavors. These awards are intended to honor leadership abilities, a variety of accomplishments, and intellectual brilliance. They provide financial aid to worthy applicants and are usually merit-based, supporting a range of academic subjects.

Trent University

Located in Peterborough, Ontario, Trent University is a public liberal arts institution that also has a satellite campus in Oshawa that serves the Durham Regional Municipality. Trent is renowned for its small class sizes and Oxbridge college system. Trent is a collegiate university consisting of five colleges. Every college has its own student government, dining hall, and residence halls. Trent University Durham GTA has around 1,900 full- and part-time students registered at its Thornton Road site in Oshawa, and over 9,000 undergraduate and graduate students enrolled at its Peterborough campus.

Trent University Undergraduate Scholarships

A number of Trent University Undergraduate scholarships are available to international students who want to pursue their undergraduate degree from a well-recognized international university. The following are a few examples of well-known Trent University undergraduate scholarships available to foreign students:

Trent International Global Citizen Scholarships

International students who have demonstrated exceptional academic accomplishment, community service, leadership potential, and a degree of financial need are eligible to apply for this renewable fellowship. Global Citizen Scholarships and Awards provide up to $34,000 in tuition and mandatory ancillary fees per academic year, or up to $136,000 over the course of a four-year degree, to Trent University.

Trent International Program Tuition Levy Scholarship

An annual charge paid by Trent University students supports this renewable scholarship. Tuition Levy Scholarship covers foreign tuition and related costs of up to $34,000 per academic year, or up to $136,000 over a 4-year degree, based on exceptional academic accomplishment, a good record of community and/or international service, leadership, and some financial need.

Moore Family International Scholarship

This new scholarship was made possible by the kind generosity of longtime Trent supporters David and Joan Moore. It will provide three students from outside North America with an annual stipend of $12,000 and a maximum award of $48,000. The recipients will be chosen on the basis of their exceptional academic record, potential for leadership, community service, and financial need. Over a four-year degree, this grant is renewable up to $48,000.

Justin Chiu International Scholarships

Justin Chiu, an international student who gained from his time at Trent, established this scholarship. given to incoming Asian international students who show promise for leadership, exceptional academic success, and a small amount of financial need. Scholarships range in value from $3,000 to $15,000 per academic year, which helps to significantly offset the expense of a Trent education. Over a four-year degree, this grant is renewable for a maximum of $12,000– $60,000.

Maple Leaf Leadership Award

Awarded to a foreign student from a Maple Leaf Education System school who is going to Trent University and shows exceptional academic success, leadership potential, community service, and financial need. The $2,000 prize is offered to a maximum of five students annually on a one-time basis.

Trent-United World Colleges (UWC) Scholarships

Given to an international student from a UWC college who is transferring to Trent University and exhibits exceptional academic performance, a strong commitment to community service, the ability to take on leadership roles, and financial necessity. After financial need is evaluated, the scholarship’s worth is established. It can cover up to $34,000 in foreign tuition and other expenses for each academic year and up to $136,000 for a four-year degree.

Criteria

• You have to be a foreign student making international tuition payments.
• With a study permit in hand, you will be studying in Canada.
• You have to have applied to Trent University’s undergraduate programs for the summer or fall of 2024. Master’s and PhD students, as well as postgraduate certificates, are not eligible.
• You must fulfill all prerequisites for admission to Trent University, including the English language proficiency requirements as well as general and degree-specific requirements. (Note that applicants for scholarships and awards do not require an acceptance offer.)
• You received at least an 85% (Canadian Equivalent) on your final high school average.
• By January 21, 2024, at 11:59:59 PM (Eastern Standard Time), you must finish and submit the Trent International Scholarships & Awards online application through your MyTrent portal.
• To be eligible for the scholarship money, you must complete the requirements listed in your conditional offer letter and enroll in classes.

Trent University Undergraduate Scholarships Timeline

• The application period for Trent International Scholarships and Awards opens November 1.
• January 5th is the deadline for summer or fall 2024 applications.
• The application deadline for Trent International Scholarships and Awards is January 21st. Additionally, the deadline for turning in your predicted or final grades in order to be eligible for scholarships and awards.
• The decision will be communicated to all candidates on March 28.

Application Procedure

Please complete the application on myTrent portal to see if you qualify for the prestigious scholarships and awards. It is located under the Finances tab > International > Trent International Scholarships and Awards 2024 Application Form.

If you haven’t already, click this link to activate your myTrent portal. (Note: in order to access your myTrent portal, you must first apply for admission to Trent. You will get your seven-digit Trent student ID number within five business days of submitting your application.)

If you applied to Trent through an agent, please contact them for the login details and other information pertaining to the myTrent portal. This information cannot be withheld from you by an agent.

For more details about the Trent University Undergraduate Scholarships, visit here or go to the application portal myTrent directly.

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University of Calgary Scholarships for International Students in Canada

 

University of Calgary Scholarships are available to international students to pursue higher studies. Undergraduate, graduate, and postgraduate programs are among the academic levels at which these scholarships are offered. The following are only a few of the University of Calgary’s international student scholarships and awards:

University of Calgary International Entrance Scholarship

offered yearly to international undergraduate students who have met the university’s English language proficiency criteria and will be starting their first year of any undergraduate degree in the forthcoming autumn semester. Renewable in the second, third, and fourth years at the University of Calgary, given that the winners continue to pay the international differential tuition charge as an international student and attain a GPA of 2.60 or higher over a minimum of 24.00 units in the preceding fall and winter terms.
Students from outside Canada who are not citizens or permanent residents of Canada and who must pay foreign tuition expenses

• Student type: Undergraduate
• Year entering: 1st
• Faculty: Any
• Award value: $20,000 (Renewable)
• Number of awards: 2
• Deadline: December 1, 2023

University of Calgary Award for International Student Athletes

Each year, this opportunity is extended to overseas undergraduate students enrolled in undergraduate programs for the autumn semester who are Dinos athletes and have met the English Language Proficiency criterion. There is no eligibility for students enrolling in The International Foundations Program.

• Student type: Any
• Year entering: 2nd, 3rd, 4th
• Faculty: Any
• Award value: Tuition & fees to a max of $10,000
• Number of awards: 3
• Deadline: N/A, Nominated by coach

CIBC International Entrance Scholarship

offered yearly to a foreign undergraduate student starting their first year of study in any undergraduate program at the University of Calgary in the next autumn semester

• Student type: Undergraduate
• Year entering: 1st
• Faculty: Any
• Award value: $10,000 (Renewable)
• Number of awards: 1
• Deadline: March 1, 2024

Navin and Usha Varshney International Bursary in Engineering

Offers to an overseas undergraduate student who has met the English Language Proficiency standard and is required to pay international tuition fees and who is starting their first year at the Schulich School of Engineering every year. It is not possible for students to enroll in The International Foundations Program.

• Student type: Undergraduate
• Year entering: 1st
• Faculty: Engineering
• Award value: $20,000 (Renewable)
• Number of awards: 1
• Deadline: March 1, 2024

Criteria for University of Calgary Scholarships

• All rewards that aren’t reserved just for citizens or permanent residents of Canada are open to international students.
• To be eligible, international students must be enrolled full-time in an undergraduate degree program.

Application Procedure

It’s simple to apply for awards. You will be given consideration for all the awards for which you qualify if you submit an application for each competition that offers prizes.

1. Go to my.ucalgary.ca to access My UCalgary.
2. Go to the “My Financials” page in My UCalgary.
3. After navigating to the Awards & Scholarships webpage, select “Apply for Undergraduate Awards” by scrolling down. Make sure popups are turned on. Should popups be blocked, the page won’t show up.
4. Your screen will display a pop-up window containing any open or recently closed applications. Please be mindful of the dates marked “Application Deadline” and “Application Available.”

Visit here for more details about University of Calgary Scholarships, or go here to apply for a scholarship.

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Commonwealth Distance Learning Scholarship for Masters without IELTS

 

The Commonwealth Distance Learning Scholarship application period is currently open for the 2024–2025 academic year. The UK government’s scholarship program, which is focused on international development goals, is offered by the Commonwealth Scholarship Commission (CSC). It is a striking illustration of the UK’s ongoing commitment to the Commonwealth and functions within the parameters of the Commonwealth Scholarship and Fellowship plan (CSFP).

Benefits of the Commonwealth Distance Learning Scholarship

Appropriate tuition costs are covered by all Commonwealth Scholarships.

Eligibility

Candidates from qualifying low- and middle-income Commonwealth nations may apply for Commonwealth Distance Learning Scholarships to pursue part-time taught Master’s degrees at UK universities while still living in their home nations.

In order to qualify for a scholarship offered by Commonwealth Distance Learning, candidates must:

• either be a British Protected Person or a citizen of a Commonwealth nation that has granted you refugee status.
• possess a permanent residence in a Commonwealth nation in development.
• possess a first degree with a minimum of a 2:1 upper second-class grade. In some circumstances, a lesser degree and adequate relevant experience might be taken into consideration.
• not be able to pay for the program’s studies without this award.

*No applicant is required by the CSC to take the English language proficiency exam, IELTS.

Required Documents

The following files must be uploaded with the application by applicants:

• Proof of citizenship or refugee status in a Commonwealth country that meets the requirements: a copy of a current passport (or national ID card) with a picture, birthdate, and citizenship country listed.
• Complete transcripts outlining all postsecondary education credentials, including current transcripts for any courses being taken at the moment, and certified translations provided in case the original language is not English. If transcripts are missing pages or are incomplete, the application will be deemed ineligible.
• references from a minimum of two people, formatted in PDF, signed on official letterhead, or an email with the sender’s details clearly visible.

Eligible Countries

The candidates from the following countries are eligible for Commonwealth Distance Learning Scholarship for Masters without IELTS:

• Bangladesh
• Belize
• Botswana
• Cameroon
• Dominica
• Eswatini
• Fiji
• Gabon
• Ghana
• Grenada
• Guyana
• India
• Jamaica
• Kenya
• Kiribati

• Lesotho
• Malawi
• Malaysia
• Maldives
• Mauritius
• Montserrat
• Mozambique
• Namibia
• Nauru
• Nigeria
• Pakistan
• Papua New Guinea
• Rwanda
• Saint Helena
• Saint Lucia

• Saint Vincent and the Grenadines
• Samoa
• Sierra Leone
• Solomon Islands
• South Africa
• Sri Lanka
• Tanzania
• The Gambia
• Togo
• Tonga
• Tuvalu
• Uganda
• Vanuatu
• Zambia

Approved Courses

Following subject areas are eligible for scholarship:

• Access, inclusion, and opportunity
• Promoting innovation and entrepreneurship
• Science and technology for development
• Strengthening global peace, security and governance
• Strengthening health systems and capacity
• Strengthening resilience and responses to crises

Deadline

Applications must be submitted by Thursday, March 28, 2024, at 16:00 GMT. Studying with the scholarships will start in September or October of 2024.

Application Procedure

Candidates must use the CSC’s online application system to apply for a Commonwealth Distance Learning Scholarship in addition to applying to and being accepted into a Master’s program at a UK university that is approved.

For more details about Commonwealth Distance Learning Scholarship for Masters without IELTS, visit official website.

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University of Ottawa Entrance and Excellence Scholarships for African and Other Countries

 

The University of Ottawa Entrance and Excellence Scholarships are renewable awards based on average that are available to students from Bangladesh, Indonesia, Vietnam, China, South Korea, India, and Africa studying in English.

University of Ottawa

Located in Ottawa, Ontario, Canada, the University of Ottawa, sometimes known as uOttawa or U of O, is a bilingual public research institution. The main campus is situated in the Sandy Hill neighborhood on 42.5 hectares (105 acres), directly northeast of Downtown Ottawa and across the Rideau Canal.

The University of Ottawa is the biggest bilingual university in the world, offering instruction in both French and English. The university’s ten colleges supervise a wide range of academic programs, including the Telfer School of Management, Arts, Education, Engineering, Health Sciences, Law, and Medicine. The University of Ottawa Library has twelve branches and a collection of over 4.5 million books.

Enrollment in a qualifying undergraduate program offered in English will immediately qualify students from Africa, India, Bangladesh, Indonesia, or Vietnam for an Entrance or Excellence renewable, average-based scholarship. The same programs will provide consideration to students from China or South Korea for Excellence scholarships.

The International English Entrance Scholarship

The University of Ottawa is constantly striving to enhance the diversity of its foreign student body, and it takes pride in this fact. The International English Entrance Scholarship will contribute to the University of Ottawa’s growing standing as one of Africa’s top post-secondary educational institutions. With the new scholarship, African students enrolled in English-speaking universities will be able to enroll in several pilot programs across three faculties at a much lower tuition rate.

The top applicants with an admission average of 90% or above who apply by April 1, 2024, and whose admission has been processed by April 15, 2024, will be given excellence scholarships through a competitive process. Candidates who prioritize the University of Ottawa will receive preference. Recipients are required to start their program in September.

Application Procedure

Every qualified student is considered for this prize and will be informed upon admission. The scholarship does not require an application, but before receiving the first installments, beneficiaries will need to provide documentation proving they are citizens of an African nation.

The International English Excellence Scholarship

The International English Excellence Scholarship is evidence of the University of Ottawa’s dedication to developing a varied and globally aware student body. The institution hopes to help worthy overseas students pursue higher education and support the growth of their academic and language abilities by offering financial aid. Students can flourish in a welcoming and intellectually engaging atmosphere with the support of the International English Excellence Scholarship, which enhances both their development and the international community at the university.

Application Procedure

This scholarship does not require an application. At the time of admission, all qualified candidates will be informed of their consideration for this prize.

Benefits of the University of Ottawa Entrance and Excellence Scholarships

The amount of the University of Ottawa Entrance and Excellence Scholarships varies based on the faculty offering the degree and the average admittance. Following are the benefits of the University of Ottawa Entrance and Excellence Scholarships:

Country	Faculty	Excellence scholarship (admission average of 90% or higher) Number: 20	Entrance scholarship   Number: Unlimited
Africa, India, and Bangladesh	Telfer School of Management	$80,000 over 4 years ($20,000 per year)	Africa, India, and Bangladesh
	Faculty of Engineering	$100,000 over 4 years ($25,000 per year)	$60,000 over 4 years ($15,000 per year)
	Faculty of Health Sciences	$70,000 over 4 years ($17,500 per year)	$40,000 over 4 years ($10,000 per year)
	Faculty of Science	$70,000 over 4 years ($17,500 per year)	$40,000 over 4 years ($10,000 per year)
	Faculty of Social Sciences	$70,000 over 4 years ($17,500 per year)	$40,000 over 4 years ($10,000 per year)

 Africa, India, and Bangladesh

Country	Faculty	Excellence scholarship (admission average of 90% or higher) Number: 20	Entrance scholarship   Number: Unlimited
Vietnam and Indonesia	Telfer School of Management	$80,000 over 4 years ($20,000 per year)	$40,000 over 4 years ($10,000 per year)
	Faculty of Engineering	$100,000 over 4 years ($25,000 per year)	$60,000 over 4 years ($15,000 per year)
	Faculty of Health Sciences	$70,000 over 4 years ($17,500 per year)	$40,000 over 4 years ($10,000 per year)
	Faculty of Science	$70,000 over 4 years ($17,500 per year)	$40,000 over 4 years ($10,000 per year)
	Faculty of Social Sciences	$70,000 over 4 years ($17,500 per year)	$40,000 over 4 years ($10,000 per year)

Vietnam and Indonesia

Country	Faculty	Excellence scholarship (admission average of 90% or higher) Number: 20
China and South Korea	Telfer School of Management	$40,000 over 4 years ($10,000 per year)
	Faculty of Engineering	$60,000 over 4 years ($15,000 per year)
	Faculty of Health Sciences	$20,000 over 4 years ($5,000 per year)
	Faculty of Science	$20,000 over 4 years ($5,000 per year)
	Faculty of Social Sciences	$20,000 over 4 years ($5,000 per year)

China and South Korea

Criteria

The candidates who fulfill the following criteria are eligible to apply for the University of Ottawa Entrance and Excellence Scholarships:

• be a citizen of any of the listed nations or any country in Africa
• be freshly admitted in one of the English-language undergraduate programs that meet the requirements in the autumn of 2024 from one of the mentioned faculties
• not sign up for the immersion program in French
• possess a current study permit before classes begin.
• be enrolled full-time.

*Dual citizenship holders who are nationals of both Canada and another nation are not eligible because they are already qualified for Canadian tuition rates.

Eligible Programs

The following faculties and programs are eligible for the University of Ottawa Entrance and Excellence Scholarships:

Faculty	Eligible programs	Ineligible programs
Telfer School of Management	Accounting, Business Technology Management, Finance, Human Resources, International Management, Marketing	All other programs not listed or not including one of the eligible disciplines
Faculty of Engineering	Chemical Engineering, Civil Engineering	All other programs not listed or not including one of the eligible disciplines
Faculty of Health Sciences	Food and Nutrition Sciences, Health Sciences, Human Kinetics (BHK & BScHK)	All other programs not listed or not including one of the eligible disciplines
Faculty of Science	Biochemistry, Biology, Biomedical Science, Biopharmaceutical Science, Chemistry, Environmental Geoscience, Environmental Science, Financial Mathematics and Economics, Geology, Geology-Physics, Mathematics, Mathematics and Economics, Physics, Physics-Mathematics, Statistics	All other programs not listed or not including one of the eligible disciplines
Faculty of Social Sciences	Anthropology, Anthropology and Sociology, Communication and Sociology, Conflict Studies and Human Rights, Economics, Economics and Political Science, Economics and Public Policy, Environmental Economics and Public Policy, International Development and Globalization, International Economics and Development, Mathematics and Economics, Psychology (BA & BSc), Public Administration, Public Administration and Political Science, Sociology	All other programs not listed or not including one of the eligible disciplines

University of Ottawa Entrance and Excellence Scholarships Eligible Programs

Application Procedure

If you are eligible, you will be automatically considered for the University of Ottawa Entrance and Excellence Scholarships, if you apply for an eligible program at the University of Ottawa. You don’t need to apply for these scholarships. However, there may be other scholarship opportunities at the University of Ottawa you want to avail.

Once you’ve submitted an application to the University of Ottawa and obtained your uoAccess ID and password, you may start applying for these scholarships and bursaries.

• Applications for all scholarships and bursaries must be completed online using the Online Scholarships and Bursaries application. Typically, two months prior to the application deadline, application forms become available.
• Before applying, carefully read over all the prerequisites.
• After completing the necessary paperwork, upload it to Online Scholarships and Bursaries and submit your application.

For more details about the University of Ottawa Entrance and Excellence Scholarships, visit here or go to Apply for University of Ottawa Undergraduate Studies.

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The Relationship Between College Majors and Student Loan Repayment Success

Choosing a college major is a significant decision that shapes one’s academic journey and future career prospects. Concurrently, student loan repayment success is crucial for graduates to maintain financial stability post-graduation. In this article, we explore the intricate relationship between college majors and student loan repayment success.

Factors Affecting Student Loan Repayment

Several factors influence the ease or difficulty of repaying student loans. Among these are the income level graduates attain after completing their degrees, the employment rate within their chosen field, and the terms and interest rates of their loans.

Impact of College Majors on Repayment Success

The choice of college major can significantly affect a graduate’s ability to repay their student loans. High-demand majors such as engineering, technology, healthcare, and finance often lead to higher income potentials and greater job stability, facilitating easier loan repayment.

Success Stories of Different Majors

1. Engineering and Technology: Graduates in engineering and technology fields often command high salaries, enabling them to repay their loans swiftly.
2. Healthcare and Medicine: Medical professionals typically enjoy robust job prospects and competitive salaries, facilitating efficient loan repayment.
3. Business and Finance: Graduates with degrees in business and finance benefit from diverse career opportunities and lucrative earning potentials, aiding in loan repayment.
4. Arts and Humanities: While arts and humanities majors may face challenges in terms of lower starting salaries, their passion and dedication often lead to success in repayment through strategic financial planning.

Challenges Faced by Certain Majors

Despite the advantages offered by certain majors, others present unique challenges. Oversaturation in fields such as law or education can lead to intense competition and lower income potential, making loan repayment more arduous.

Strategies for Successful Loan Repayment

To navigate the complexities of student loan repayment, graduates can employ various strategies. These include opting for income-driven repayment plans, exploring refinancing options, and practicing diligent budgeting and financial management.

Conclusion

The relationship between college majors and student loan repayment success is multifaceted. While certain majors offer clear advantages in terms of income potential and job stability, others present unique challenges. By making informed decisions and utilizing effective repayment strategies, graduates can navigate the repayment process with confidence.

FAQs

1. How does the choice of major impact student loan repayment?
   • The choice of major can significantly influence a graduate’s ability to repay their student loans due to variations in income potential and job availability across different fields.
2. Are there majors that facilitate easier loan repayment?
   • Yes, majors in high-demand fields such as engineering, technology, and healthcare typically offer higher income potentials, making loan repayment more manageable.
3. What challenges do graduates of certain majors face in loan repayment?
   • Graduates of oversaturated fields or those with lower income potentials may encounter difficulties in repaying their loans due to limited job opportunities and lower salaries.
4. What are some effective strategies for loan repayment?
   • Strategies such as opting for income-driven repayment plans, exploring refinancing options, and practicing diligent budgeting can aid graduates in successfully repaying their student loans.
5. How important is informed decision-making in choosing a college major?
   • Informed decision-making is crucial as it directly impacts a graduate’s ability to repay student loans. Choosing a major aligned with career goals and market demand can significantly enhance loan repayment success.

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Understanding Loan Forgiveness Options For Teachers and Public Servants

 

Loan forgiveness programs offer relief to individuals burdened by student debt, particularly for teachers and public servants who dedicate their careers to serving the community. Understanding the various options available is essential for those seeking financial assistance and debt relief.

Types of Loan Forgiveness Programs

There are several types of loan forgiveness programs, each tailored to specific professions and circumstances. Federal student loan forgiveness programs, teacher loan forgiveness, and public service loan forgiveness are among the most common.

Qualifications and Eligibility Criteria

To qualify for loan forgiveness, individuals must meet certain criteria, including employment in eligible professions, adherence to program requirements, and timely completion of necessary paperwork.

Federal Student Loan Forgiveness Programs

Federal programs provide various avenues for student loan forgiveness, including programs for borrowers in specific professions, such as healthcare, education, and public service.

Teacher Loan Forgiveness

Designed to incentivize individuals to pursue careers in education, teacher loan forgiveness offers partial forgiveness of federal student loans for qualifying teachers who work in low-income schools or educational service agencies.

Public Service Loan Forgiveness

Public service loan forgiveness is available to individuals employed by government or nonprofit organizations who make 120 qualifying monthly payments under an income-driven repayment plan while working full-time in a public service role.

Benefits of Loan Forgiveness for Teachers and Public Servants

Loan forgiveness offers significant financial relief to educators and public servants, reducing the burden of student loan debt and allowing them to focus on their careers and personal goals.

Challenges and Considerations

While loan forgiveness programs provide valuable benefits, applicants may encounter challenges, such as navigating complex eligibility requirements and ensuring compliance with program guidelines.

Tips for Maximizing Loan Forgiveness

To maximize the benefits of loan forgiveness, individuals should familiarize themselves with program requirements, seek guidance from financial advisors, and maintain accurate records of employment and loan payments.

Alternatives to Loan Forgiveness

For those who do not qualify for loan forgiveness or seek alternative options, income-driven repayment plans, loan consolidation, and loan discharge options may provide relief from student loan debt.

Recent Changes and Updates

Recent legislative changes and updates to loan forgiveness programs may impact eligibility requirements, repayment terms, and application procedures, underscoring the importance of staying informed about evolving policies.

Success Stories

Real-life examples of individuals who have successfully navigated the loan forgiveness process demonstrate the tangible benefits of these programs and inspire others to pursue similar opportunities.

Conclusion

Loan forgiveness options provide a lifeline for teachers and public servants grappling with student loan debt, offering tangible relief and the opportunity to pursue their professional passions without financial constraint.

FAQs (Frequently Asked Questions)

1. What is loan forgiveness? Loan forgiveness is a process that allows borrowers to have their student loan debt partially or fully canceled under certain circumstances.
2. Who qualifies for teacher loan forgiveness? Teachers who work full-time for five consecutive years in a low-income school or educational service agency may qualify for teacher loan forgiveness.
3. How long does it take to qualify for public service loan forgiveness? Public service loan forgiveness requires borrowers to make 120 qualifying monthly payments while employed full-time in a public service role, typically spanning ten years.
4. Can I apply for multiple loan forgiveness programs simultaneously? Yes, eligible individuals can apply for multiple loan forgiveness programs, provided they meet the requirements for each program.
5. Are there any tax implications for forgiven loans? Forgiven loans may be subject to federal income tax, depending on the specific loan forgiveness program and individual circumstances.

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