Combatting International Tuition Fraudsters with the Help of Flywire


Payment Week – By Michael Dautner, Editor-in-Chief of Payment Quarterly


Recently, I had the pleasure of speaking with Peter Butterfield, CCO at Flywire, to dig deeper regarding the extent of fraudulent transactions at the expense of numerous students studying abroad.

Australia, Europe, and the United States, are noted as the leading destinations for international higher education seekers. Beyond that, there are about 975,000 international students in the United States alone that account for more than $14 billion in tuition dollars. As you might imagine, this poses an ever-tantalizing opportunity for fraudsters looking to rip off students, and parents of students.

Students studying abroad deal with a considerable amount of unknowns; be it a new language, a new culture, or meeting entirely new people they have little to nothing in common with. Add on the risk of fraudulent tuition scams, and you have a complete headache from a foreign student’s standpoint.

Flywire, however, wants to eliminate this threat, and ease the minds of these knowledge seekers by working together with hundreds of universities to stop fraudsters in their tracks. Peter Butterfield spoke with me exclusively about the hazards students and parents face when attempting to pay for their child’s tuition payment in a foreign country.

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Is a Short-Term or Long-Term Study Abroad Program Right for Me?


You have made the momentous decision to study in America. Whether you are primarily interested in improving your English language skills, gaining international experience, or attending an elite educational institution, you can gain a great deal from both short-term and long-term study abroad programs. For the purposes of this article, a short-term study abroad program lasts for several weeks to several months. A long-term scenario lasts the full length of your degree program—generally four years for a bachelor’s degree, and two years for a graduate degree. Year-long options can have characteristics of both short-term and long-term programs, depending on how they are structured.

So—which type of study abroad program is right for you? Here are several questions to ask yourself as you decide which type of program to choose:

How prepared are you to leave home?

If this is your first study abroad experience, a short-term program may be the better option. Whether you opt for a short-term or a long-term program, there will be challenges. Sometimes, these challenges (such as homesickness or culture shock) can be easier to handle if you know that you do not have very long left. In addition, a short-term program can give you a taste of the study abroad experience so that you can see if you would like to do it a second time.

Why are you studying abroad? What will you gain from completing a long-term program instead of a short-term program?

Your reasons for studying abroad will also play a factor in whether you should register for a short-term or long-term program. If one of your reasons for studying abroad is to learn a foreign language, the longer you stay, the more immersed you can become in the language. If one of your reasons is to experience a different culture, long-term immersion may provide you with more opportunities for that experience too. In addition, long-term study-abroad experiences tend to take you further outside of your comfort zone.

When you are in a long-term situation, you must leave your family and friends behind and start over socially. You make a commitment to relocate and to fully immerse yourself in the language and the culture of your new country. These same factors that allow you to learn more of a language and to better experience another culture will also help you to gain confidence as you prove over and over that you can problem-solve and handle yourself. If part of your reason for studying abroad is to gain confidence and grow as a person, a long-term stay may be the right one for you. If your reason for studying abroad is to just get a taste of another culture or to see the sights, however, a short-term experience may be the perfect option.

How much time do you have to spare?

If you have already started a degree program in your home country, you may have too much time already invested to do a long-term study abroad program in the United States. Alternatively, you may have career opportunities or family responsibilities that preclude you from spending more than a short amount of time studying abroad.

What are the costs?

Study abroad can be quite costly. In addition to the costs of travel to and from the host country, tuition, housing, food, insurance, and other fees must also be considered. These costs can be prohibitive if you are looking at studying for more than a short time, though services like Flywire can be a great way to handle the logistics while participating in multi-year programs.

If you are considering studying abroad, you will need to decide whether you wish to participate in a short-term study abroad program, or if you would rather spend a longer amount of time in order to complete a certificate or degree program and to experience full immersion in another language and culture. Whatever you decide, a study abroad experience can be a wonderful way to learn more about yourself, the world, and your academic area.


Dana Elmore is a contributing writer for, the world’s largest global marketplace for finding independent tutors.

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6 On-Campus Resources to Take Advantage of This Fall


Whether you’re a new or returning college student, arriving on campus to begin the fall semester is a chaotic and stressful time. There are items to purchase, people to meet, and study plans to consider—all in a relatively short amount of time before classes start.

As August becomes September, you may be thinking about how, as an international student, you can make the most of your time on an American campus without burning out or over-committing. While there are certainly no universal plans for all students, the following on-campus resources can help you maximize your semester and perhaps even discover new opportunities for the future.

1. The international student center
As an international student, you likely have a bit more on your plate than the typical American-born student, at least as far as logistics are concerned. In addition to your courses and your social life, you must also consider items like your visa status. For that reason, you should familiarize yourself with your school’s international student center or department. The staff at this center can help you with most things related to your international status, and they can likely offer you advice or answer questions.

2. A study group
One of the best things about being an international student is the fact that you will be exposed to a very different perspective on your studies, and, possibly, American culture. Of course, the only way you can gain this varied perspective is by engaging with students on campus—one way to do this is by joining on-campus study groups. These groups range from formal, school-associated gatherings, to informal, self-organized gatherings, and they cover a wide variety of topics like majors and personal interests.

3. The campus health services center
You would likely prefer to avoid getting sick or receiving any medical or emotional assistance this semester, but there is still a chance that you may need this help in the coming months. The campus health services center is a great place to start if you need to see a doctor or would like some support.

4. Faculty office hours
Depending on the type of educational system that you are used to, the idea of accessing one-on-one time with professors and instructors might seem unusual. Faculty office hours, however, are one of the best opportunities to receive feedback on your work, to ask questions about homework or class materials, and to get ideas about current or future projects. Since most faculty members do not have time to focus on each student during classes and lectures, faculty office hours will be an asset to your development as a student.

5. The writing lab
As an international student, you have no doubt had some challenging moments with English, as any second language-learner would. Fortunately, your school probably has a writing lab to help you overcome the more challenging aspects of this task. Writing lab staff can help you with everything from the fundamental mechanics of writing, like grammar, to helping you develop your story ideas and concepts to make them more cohesive and effective.

6. The career center
One of the biggest reasons that international students study in the United States is to work with some of the most well-known and well-respected scholars, and to make connections that can be helpful when the time comes to find a job. If this is true for you, the best place to start planning for your future is in your school’s career center. This is a great place to plan for internships or assistantships, or to find a part-time job that can get you started on the path toward the career of your dreams.


David White is a contributing writer for, the world’s largest global marketplace for finding independent tutors.

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How International Students Can Avoid Tuition Payment Scams


As an international student, there are many unique challenges to overcome as you prepare for your education abroad. Unfortunately, this can include being the target of scammers who attempt to steal your tuition and educational payments for themselves – in indirect and subtle ways. Schools have reported an increase in unauthorized, non-school approved tuition payment companies (or individuals) stealing entire tuition payments from their students in the recent weeks. These scammers may even claim to have an affiliation with your school. They might offer you a tuition discount, currency exchange discounts, or make other promises in an attempt to confuse you before you are fully aware of your school’s official payment process.

To avoid the risk of fraud, follow these best practices when making your tuition payment:

Take online security precautions.

If you’re paying your school online, make sure the website is secure. The address of any site you may use to share personal or financial information should begin with https (for example,, which ensures the data you provide is protected through encryption. Additionally, avoid using public or unsecured Wi-Fi when sharing sensitive information. If you get an email from a suspected scammer, NEVER click on any hyperlinks.

Always verify who you’re speaking to.

Scammers may pose as a government agent and threaten to revoke your visa unless you send a payment to them immediately. They may also request your personal information — which you should never disclose until you have verified that the requestor is an actual government agent authorized to do so. If you receive any communications from a person posing as an IRS or government agent, your first step is to research whether their requests are valid.

Don’t share your information.

Credit card information, personal information (i.e., name, date of birth), and banking details should never be handed out to anyone without a contract or relationship with your university, and payment enablers that aren’t verified as authorized by your university should be ignored. These scammers may claim to have relationships with universities and colleges that don’t exist, show “official” documents with artificial co-branded school logos, etc.

Be careful of anyone that is asking you to provide sensitive information, as university officials should already know most of your details. This person may be fishing for your information to use fraudulently. As a best practice, always confirm with your university whether or not a payment processor is affiliated with them. It may help to check the school payment website (e.g., by reviewing the payment portal and reviewing the “how to pay” section) to verify as an initial step.

Be wary of aggressive, suspicious characters.

Is someone promising you a discount on your payment or volunteering to pay on your behalf? Be careful! If the offer seems too good to be true, then it probably is. If you take them up on their offer and share your personal, banking, or financial information, entrusting them to pay on your behalf, you run the risk of losing your payment in full and set yourself up for further fraud risks later on. Fraudsters are very calculating in selecting their methods of introduction to international students — you could be approached on-campus, in a student visa application queue, or at an event for admitted students and their families in your home country.

Use Flywire.

Flywire is the trusted international payment process for more than 1,000 institutions around the world. Our mission is to reduce the cost and hassle of sending your educational payments abroad by making sure your payment reaches your institution quickly and safely. Both you and your school will be able to track your payment on Flywire’s encrypted website. If your university is not using Flywire yet, put a request in here, and we’ll let your school know how we can help international students like you pay tuition and fees easily and securely.

Report suspicious activity.

If you suspect you are being targeted for fraud, you should note the information the scammer is attempting to get from you, stop communicating with them immediately, and report this to your university as well as the police.

Remember that your university’s trusted website and administrators can help you verify the approved payment process or the identity of someone requesting money or information from you. Don’t start your university experience off on the wrong foot — be smart and be safe!

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Student’s Guide to Choosing a Mobile Phone Provider in the U.S.

Moving to a different country to attend college or university means starting a new life full of exciting discoveries but also unavoidable challenges. One of the first obstacles international students usually face is obtaining mobile phone service. Many students quickly learn that the U.S. mobile phone system is, unfortunately, very different from what they experienced in their home country. This guide will provide you with an overview of the U.S. system and give you some pointers to help you choose the best mobile phone service for your needs. 

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5 Easy Ways to Research American Universities from Abroad


Searching for the perfect university can be one of the most exciting times in a person’s life, but that doesn’t mean that it isn’t stressful too. In addition to ensuring that your short list of schools possess the faculty and resources that you desire, you will likely also wish to know what the campus environment and surrounding city or town is like.

Researching potential colleges is stressful and time-consuming for American residents, but it can be exponentially harder for international students, who may not be able to afford the costs associated with traveling to a U.S. campus. Although personally visiting universities is the ideal scenario, there are other more cost-effective methods of learning about American schools, even if you’re halfway around the world.

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How to Succeed in an Online Class as an International Student


As our world becomes increasingly digital, new aspects of our lives move to online formats. In many ways, this has made life more convenient, but this is not always the case.

For international students who are studying in the United States, participating in class can be a challenge if you are not confident in your English skills. This becomes even more true in an online course, where much of the communication is done asynchronously and in writing.

If you are thinking about taking or are about to take an online class, here are five tips that may greatly improve your chances for success:

1. Interact with honesty and openness
Communication opportunities in online courses are often more limited than in traditional classes, and you may not be able to physically see the individuals who you are communicating with. As a result, you may feel self-conscious about your ability to articulate your thoughts in English (especially written English). Rather than pretending that you are fluent or remaining silent, consider being honest about the extent of your language and communication skills at the beginning of the term.

This might seem embarrassing, particularly if you do not know any of the other students, but you may be surprised by the resulting show of support. You may also find that your honesty makes your peers more conscious of how they communicate, which can partially limit any potential confusion.

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Flywire Friday: Top News of the Week for International Students – June 3, 2016


Here’s what we read this week:

Campuses and adaptation. An article published in The PIE News discusses students’ needs and how campuses may or may not be fulfilling them. As the new generation of students becomes increasingly tech-savvy, campuses must keep up by providing a range of accommodations—from fast wifi to Zipcar.

Bringing diversity to international enrollment. According to the ICEF Monitor, while the U.S.’s international student population has grown at a staggering rate, the diversity of this population is lacking. Because approximately 60% of the foreign students in the U.S. come from only four countries, the impact on the education market could be massive should the demand for international education change.

Generalists wanted! In a study reported on in the Harvard Business Review, researchers found that students who had specialized in one field were less likely to receive job offers than students who had not specialized at all. The generalists were looked at by hiring managers as having a diverse range of skills.


Read past Flywire Friday posts and follow us on Twitter and Facebook for daily news updates.

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5 Places to Look for a Last-Minute Summer Internship


No matter which field you’re majoring in or which school you’re attending, there’s a very good chance that you’ll want to or be required to complete an internship before you graduate. More often than not, your internship will be a short-term (three-to-six month) situation in which you gain direct skills and knowledge about a particular employment field.

Internships are a great way to gain new competencies and to make industry connections, but that doesn’t mean that they are easy to secure—especially if you wait until the last minute. Many students choose to complete an internship over the summer, while they’re on break, but they begin planning earlier in the year to ensure that they get the most out of their experience. If you didn’t have the time or have simply found yourself in the unfortunate position of needing an internship at the last minute, consider exploring the following options:

1. Faculty members
Although most internships with college professors are arranged several months in advance, your instructors can still be a great resource.

If you’re interested in completing an internship in an academic environment, tell your professors—they may know of previously filled positions that are available again due to unforeseen circumstances, or they may be able to refer you to colleagues at other schools. Many faculty members conduct research during the summer months, and they may be interested in taking you on.

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