Prodigy Finance | Interest rate, Pros & Cons | Eduloans101

[@VishrutJha7]

This video was highly needed!!! I have applied at Prodigy while a lot of banks have called me and tried to dissuade me by using that point on currency conversion. This video gave a lot of clarity. Thanks a million, Parth! Honestly, the timing couldn't have been better! 😅

[@masterchief1520]

Hi. Would you mind telling What happened with your loan?

[@VishrutJha7]

@@masterchief1520 My loan with Prodigy is now final...

[@RajanSingh807]

@@VishrutJha7 how much loan you asked?

[@VishrutJha7]

@@RajanSingh807 full I-20 amt

[@bitesizepsych9170]

Did you apply for the loan before or after receiving your I-20? Also does Prodigy require is to have cleared GRE or ILETS?

[@jagadeeshrayudu5186]

Dear Parth Vijayvergiya sir, in terms and conditions of prodigy finance they says that "Prodigy Finance reserves the right to vary or discontinue its student loan product at any time without notice." what is the reason behind to cancellation of providing loan. sir i'm waiting for your reply

[@ameydharmadhikari1827]

What an amazing video it was!!! Thank you so much Parth and thanks to your dad too!

[@chaiandcoaching]

THIS IS AMAZING!😃☕️
Thanks for the hard work and all the great details Parth! Definitely gonna help a lot of students.👍🎉

[@emilioangelo4753]

i guess Im asking the wrong place but does anyone know of a way to get back into an Instagram account?
I was dumb lost the password. I would appreciate any help you can give me.

[@emeryforrest863]

@Emilio Angelo Instablaster :)

[@emilioangelo4753]

@Emery Forrest i really appreciate your reply. I found the site on google and Im in the hacking process now.
Takes quite some time so I will get back to you later with my results.

[@emilioangelo4753]

@Emery Forrest It worked and I actually got access to my account again. I am so happy!
Thanks so much, you really help me out :D

[@emeryforrest863]

@Emilio Angelo Glad I could help xD

[@martinchirayath902]

The processing fee is crazy, went about 2k dollars!!!!

[@Machaivelli]

Which is fine if you're someone from a modest background
Don't have thr required properties or investment to keep as collateral

[@optimistic_dipak8632]

Could you please tell me what is the disadvantage of keeping property as collateral? Genuine question... Need help ...

[@prithviraj1080]

As I see it, this video doesn't tell the entire story.
1) Forex is always a risk but it can also work in your favour sometimes. In 2008, 1 USD was close to 40 INR. This is down from 50 earlier. It may work against you but it may work for you as well.
2) If we decide to come back to India and pay back the loan in USD, the forex charges are a risk again. This is a risk for all loans regardless of lenders in India or abroad.
3) Processing fee of 5% is an outright ripoff. I guess it is the risk premium they collect for offering unsecured loans.
Taking a loan from any govt bank in India is a herculean task and private lenders aim to alleviate this pain and charge for it.
The good thing about Prodigy seems to be that they are offering unsecured loans.

[@ayushkumar-bg1xf]

Only when there is congress government, u can expect big devaluation as they print more money to fund their socialist policy.

[@monkaZETTA]

@@ayushkumar-bg1xf crap. BJP hasn't made any difference. Stop trying to bring in your political bullshit here. Go away bhakt.

[@aryashan8875]

Wow, Awesome well explained crystal clear with comparison, thank you very much ✌🙋🏻‍♂️✌👌👍❤❤❤❤❤

[@jellyfish5494]

Now interests boosted to 13.5%

[@Craip81]

Prodigy!! All the way 💯

[@rajdipdas69]

Yes they are the best

[@akibkhans9982]

one more question, I think you have noticed it already, if you look at various courses and different universities, for some they offer 80 - 100% COA and for some upto 100% COA and for some max and min amount mentioned, on the other-hand average funding also mentioned. what is all about ? Furthermore, if my courses is with upto 100 0r 80- 100 range do I get same funding or there will changes as popular says average funding is 70% rest I have to show. Pls answer

[@divyanshbabel9117]

Just the video I needed thanks a lot 👏

[@TheRailJunction]

Excess amout paid incase HDFC is 44490.66 .
Excess amount paid in case of Prodigy 82548.89 (just $1000) .
How is $1000 just 1000 and 44490 Rs so much! How is this unbiased?

[@YoloLollipops]

I found it comical, how hard he is trying to prove Prodigy as a better option.

[@shankhashubhramukherjee3585]

Moreover the processing fee is insane...if you apply for a loan of 40lakh, you will have to pay 2lakh processing fee..whereas in Indian banks the processing fee is 0.5%, i.e., you have to pay 20 thousand....such a mammoth difference...

[@DhrumikSharma]

He is telling just $1000 because you don't have to worry about cosigner or collateral.

[@YoloLollipops]

@@DhrumikSharma doesn't work bro! That's just a thing to say, you can go to their site try to ask a loan as a student with no collateral, cosigner, no monthly income/job... After a while you will get mail stating they can't provide you the loan😂
Its only a marketing gimmick, well for students it sure is.
If we got to show collateral anyway, just go with banks. More dependable and lower interest.

[@ayushkumar-bg1xf]

@@YoloLollipops don't lie ,I got at 8.46 with no job , I applied for my b school personal expenses as I got hundred percent scholarship

[@tuhinjoyphilip6685]

This video was super informative…you just spoke out the necessary information,nothing more nothing less…thanks for this video❤️

[@user-fn8nb1fu1k]

Hey! what are your thoughts on Prodigy Finance in 2023, when they're charging 14-15% interest ?

[@ajaychowdarymannam9722]

Same here. Is it okay now to take prodigy loan?

[@aniketkale9226]

Thanks a lot for such elaborate video, really great video and very informative.

[@EdManal]

What he didn't told is that, This Video is sponsored by Prodigy Finance.

[@akshatw7866]

But is he wrong?

[@EdManal]

@@akshatw7866 Yes, non disclosure of a promotion, makes a person worthless. At least in my opinion.

[@tanweerashif]

He actually did hint it though. He informed that he wouldn’t be biased although he had been working with prodigy.

[@chetannandre3022]

Thanks Parth for what you have done.
I also applied for it and it is really a good thing for students like us.

[@chetannandre3022]

@@mandarlathkar5265 guess not
But ask them

[@nazishmohammad8670]

Bro , What is the meaning of shortfall amount . do they provide total required amount

[@chetannandre3022]

@@nazishmohammad8670 they do provide the required amount.

[@faizsk864]

@@chetannandre3022 did you got the loan from prodigy ?

[@chetannandre3022]

@@faizsk864 I got the offer but went with local bank cause of some personal things. My friend went with prodigy and they are good.

[@Balamurugan-ns4ze]

Hi you are great good explanation thanks for all your posta here each one is unique God bless you thank you

[@Wadhwakaran96]

Didn’t include the 5% processing fee for prodigy. Also Public banks have a cap of ₹10k in processing fees. Despite the 8.85% interest rate offered by prodigy, their APR comes down to 10%.
His opinion also seemed a little skewed in favour of prodigy. Stressed too much on the fact that you end up saving 40k as compared to HDFC but when compared with SBI the 80k is “only 1k and shouldn’t matter much”.
In my opinion the USD-INR conversion does make a significant difference once all the fees have been taken into consideration.
That being said prodigy/leap can be pretty good and hassle free options for a no collateral/no co-signer loans.
Bottom line: do your own research and calculations based on your finances.

[@ParthVijayvergiya]

I couldn't agree more with your comment. If anyone asks me anything about education loans regardless of it being USD or INR I always tell them to do their own math and see which options is better for them.

[@blackmamba677]

I too felt the same

[@Hb-sp5ze]

@@ParthVijayvergiya do we have to use the entire approved amount i just want to use just part of it like 9 thousands for staying

[@akibkhans9982]

I think you have noticed it already, if you look at various courses and different universities, for some they offer 80 - 100% COA and for some upto 100% COA and for some max and min amount mentioned, on the other-hand average funding also mentioned. what is all about ? Furthermore, if my courses is with upto 100 0r 80- 100 range do I get same funding or there will changes. as the social media says average funding is 70% rest I have to show as proof of fund to them. Pls answer

[@aniruddhatyagi7164]

I don't think this video is unbiased. I think multiple items were glossed over. Eg. Adding a 5% admin fee to loan amount is not a good thing. It's a certain bad. Because you pay interest also on the admin fee (yes, absurd). Similarly, misinformation on processing fee. Eg. SBI processing fee is a flat ~10K INR and it's a one time fee. The USD INR math was also not thoroughly explored.
I really appreciate Parth's videos but this video was an outlier. I have no affinity towards Indian lenders, just a fan of complete and clear information : )

[@ananyajain7604]

I completely agree with your point. Just one more point to add- By getting a loan from prodigy or mpower financing you won't get tax rebate (you need a cosigner), If you take loan from SBI or any public bank the interest rate is of about 10 to 11% and if I consider the tax rebate of 3% than the interest rate comes down to 7% to 8% which less compared to foreign lenders. And I have never seen foreign lender giving interest rate of about 6% or 7% or 8%.
Also, I have seen prodigy asking for some proof of funds or collateral if you are not admitted to top universities in the US.
Thanks

[@aniruddhatyagi7164]

@@ananyajain7604 , what is the tax rebate of 3 % ? Can you elaborate?

[@amalmattyantony]

@@aniruddhatyagi7164 I'm guessing she meant that on 9-11% interest (from Indian Bank) you don't pay tax on it. Assuming your parents get taxed 31.2%(on income > 10L). Then you pay around 31.2% of 10% approx 3% lesser in taxes in India. Again note it works only if you are paying significant amount of money in taxes in India.

[@Chaseyourgoal]

Can I ask at which time stamp did he say a misinformation about processing fees on SBI ? As i only heard "Some Banks" take 1 percent processing fees or 2 . Which is true but want to know where did he talk about the processing fees on SBI .

[@aniruddhatyagi7164]

@@Chaseyourgoal SBI was an example that I provided. I didn't say he misinformed specifically about SBI. My broader point being that some public banks (Eg. SBI) have a small and flat processing fee.

[@gauravpatel8275]

After a long long time..watched you starting the video with confidence 👍❤️

[@praveenm9822]

Thank you so much for this greatfull video 👏👏

[@vasujindal530]

You dont get tax rebate with Prodigy...you only get with Sallie Mae, Discover etc...

[@ayushkumar-bg1xf]

Any without collateral or cosigner which has advantage of tax rebate

[@imshady42]

Thanks for putting this together.

[@eeshangautam]

Very informative... thanks buddy

[@sksajid2317]

Thanks man ❤️
This video is very helpful

[@devampatel3599]

I have only one question:
Your assumption is based on the fact every borrower will earn in USD and pay in USD.
In scenario where one is to relocate and not earning in USD, then what?

[@gauravpatel8275]

This was needed.
Thankss parth

[@hariprasath5550]

Informative video👍🏼

[@shrutambadge2599]

thanks parth for making this loan process simple to understand and you lighted a ray of hope through this

[@s.7019]

Hi , thank you for the detailed explanation. But in the calculation of Prodigy F , the base rate would be variable . So along with currency fluctuation , the interest rate would vary right ?
Additionally am curious about why your personal choice was SBI and not Prodigy ?

[@rakeshbist5446]

Due to currency fluctuations

[@devendrabishnoi]

Prodigy 10 %is minimum of Indian bank 15 %

[@yatharthsaxena175]

Amazing!

[@ampereee1827]

Thank You Parth!

[@yashdalsaniya9315]

During application, They ask for how much money/property/funds you have that your are not using for your education. How will taht affect my interest rate ? Writing more amount will show the strong finance that I have and the software will give me the loan with may be low interest rate ? Or inverse ?

[@akibkhans9982]

one more question, I think you have noticed it already, if you look at various courses and different universities, for some they offer 80 - 100% COA and for some upto 100% COA and for some max and min amount mentioned, on the other-hand average funding also mentioned. what is all about ? Furthermore, if my courses is with upto 100 0r 80- 100 range do I get same funding or there will changes as popular says average funding is 70% rest I have to show. Pls answer

[@ThePurpleShrine]

I went for leap as they offer the same in USD, and I can also get amount directly to a US bank account (Sable - Big Name in US) I can open in my own country with no annual fee.
Getting from Leap finance:
1. My interest rate is 9.6%
2. 1.5% Processing fee
3. Divided in tranches like prodigy.
4. Their interest rate is fixed (written assurance).
And more.

[@syed1228]

Hey that's awesome. How much loan did you get from leap? And which countries does leap accept?

[@dineshvalasala3633]

would you consider it over hdfc at 11.5%?, 1% processing

[@syed1228]

@@dineshvalasala3633 I wouldn't.

[@abhinavgoswami9379]

Quick and Imp question, how will that help in visa interviews considering that visa asks for 1.5x, how can we arrange for that?

[@kakashi2649]

Very helpful !

[@shubhamsarote9680]

Good Info shared, thanks

[@zaheerabbas9872]

What if I'm a student and I don't have a job?

[@nagahemachandchinta5498]

After MS once I get the job in US and try to clear the loan from my salary in USD instead of going for INR to USD it would avoid this Forex exchange issues right? Any extra money would I have to pay them if I repay like this?

[@akhileshwarreddy9755]

Hey parth, great info
Iff someone wishes to transfer college after the loan, let's say someone wishes to join another College which happened to not have in list of colleges in prodigy still we'll get funding right !
Could you please elaborate on that.
Thank you
BTW ur content is osm ♥️

[@camel6609]

Informative!!! What about MPOWER Financing?

[@numitjindal4171]

Hey , Anybody here from UT Arlington for fall 2021 ?

[@praveenm9822]

$852 Monthly repayment.. is the amount $852 included interest rate or excluding interest rate?

[@monapradhan4994]

With interest 10*12 = 120
120*852 =1,02,240 ( which is with interest bcz she has taken a loan of around $59k)

[@anamikamedha]

Hi thanks for such informative videos.
Quick question if your SBI rate of interest is lower than Prodigy then is it advisable to go with SBI .
1. Lower interest( SBI is around 8.75 and prodigy is 9.75)
2. Less processing fee
3. Prodigy uses LIBOR which increases at a higher rate there by changing your interest rate.

[@ParthVijayvergiya]

Yes any day

[@sujaykadam99]

In my opinion main selling point for prodigy is that it doesn't require collateral or a co-borrower, if you are comfortable with providing a collateral and a co-borrower dont even think of prodigy. Besides lower interest rates you wont have to pay $2000(almost ₹150000) as processing fees and extra interest accrued on that as well.

[@shankhashubhramukherjee3585]

The trick here is the processing fee...it is insane...if you apply for a loan of 40lakh, you will have to pay 2lakh processing fee..whereas in Indian banks the processing fee is 0.5%, i.e., you have to pay 20 thousand rupees only....1.8 lakh rupees more just on the name of processing fee...its disguised in the form that you will have to pay it during the repayment time and not upfront...that's where the trick lies..

[@asima4464]

Hdfc has a fee of 60k

[@shankhashubhramukherjee3585]

@@asima4464 Even then its a huge difference just on processing fee. You will have to pay 1.4 lakh more for nothing, just in the name of processing fee. Atleast for me its a huge amount.

[@akshatw7866]

Hey can you give me the source where you found that data?
I read somewhere that their processing fee was 2.5% of loan amt so for 40lac it will be 1lac as processing fee..

[@shankhashubhramukherjee3585]

@@akshatw7866 google "sbi global ed vantage processing fee", the processing fee is Rs. 10 thousand for all loans between Rs. 20 lakh and 1.5 cr.
Similarly google "HDFC Credilla processing fee", the processing fee is between 1-1.25%.

[@akshatw7866]

@@shankhashubhramukherjee3585 yeah I get that Indian banks charge low fee but you said that prodigy would charge 2 lacs so it's like 5% right? That's pretty high. I have halfway applied to prodigy so I wanted to know if that's really the case..

[@farhadali4046]

wounderful job Handsome, God bless you

[@Nipun_Chauhan]

Bro? 😭😭😭

[@ShalvinKumar7]

Can you analyse Leap Finance as well?

[@josephpushnam1727]

Question! I love your video by the way.
What if I take a loan of $50K from Prodigy, but attained scholarships in between school semesters which pays off part of my tuition fees (e.g. $20K), could that $20K be partially forfeited from total $50K loan? Thanks!! I ask because I may qualify for a $22K scholarship for my Masters in Data Analytics in USA.

[@helenvsheelamanikyam1381]

Is it only for us or also uk please let me know parth

[@mahimitrachirala9869]

@@helenvsheelamanikyam1381 for both

[@mahimitrachirala9869]

You can repay without any penalties or you can mail. Them to reduce loan

[@divyanjalisoni8818]

Hey, I'm also applying for a Master's in Data Analytics in the USA, can you please tell me ways to get this much of scholarships?

[@s_e_pgillfamily3154]

Hey bro..make a vedio or just answer me on comment box on two questions of f1 visa
First one -why should i give you visa
2nd one is - what if i reject you visa

[@yuvrajdaga5955]

Super video! I applauded for ₹40.00 👏

[@ramyabalagam7394]

Hi Parth. Thanks for the Video! I have a question regarding the quote. It only asked for the amount borrowed from them during the first year of study. What about the 2nd year if my course is 2 years. Should I apply again?

[@vijayjagadesh4954]

you will get remaining amount again they will let you know

[@deepaklamba9789]

Is prodegy giving loans for Canada's university???

[@mohitjain1804]

Can I get loan for UK universities from prodigy?

[@thementalengineer2960]

Brother, I want to go USA for master in Computer science. My elder brother is a us citizen. I cant show any financial prof at my home country. Which Institute can provide loan for ms in cst, if there is any suggested university in new york where i can get admission. My big brother is living in newyork.

[@aasthaguliani8925]

They have only four universities for Canada which is truly very very disappointing..

[@GlyttersSG]

Hi.. I applied for Golden gate university and with great confidence I started for quote in prodigy finance.. but my bad luck this university is not in their list.. nor is missouri state university 😢

[@indiangirlinusa4850]

First here🙋‍♀️🙋‍♀️🙋‍♀️

[@faizanjavaid7985]

So the total loan would be actually 13.7%. 🤦

[@princechikwe3077]

Hi. very insightful video. please does prodigy finance give loans to undergrad students or is it just for only grad students?

[@Viren9]

Are they provide moritorial period for 6 to 12 months to international students?

[@sukendar4316]

So the total interest will be 14% (adding admin fee to the interest rate)?

[@YoloLollipops]

Not worth imo. Would be the last choice if nothing else works out. But worth doing it for the i20 process.. won't have to pay a processing fee😁

[@akhilvarmavegesna6810]

Lol why would you add admin fee percentage to interest rate. Just consider the APR, that's the rate with which you will be paying EMI.

[@sukendar4316]

@@akhilvarmavegesna6810 yep I figured it out. But you will end up paying more because they are adding the admin fee to your loan and then they will calculate the interest rate on that total amount.

[@sohailraheman3163]

Well for me they are offering APR of 19% which is insane for an eduloan.

[@hiranmoy76]

Thanks a million fr sharing such important vdo #Sir. My questions is prodigy finance only for US or other countries also?? I am from a lower middle class family and my daughter is eligible for a top notch college like ESSEC(FRANCE/SINGAPORE)/ HEC PARIS/NUS Etc which are enlisted. Loan would be around 45000Euro or 50000Sing$. For that can she apply to prodigy?? Do we need co lateral?? Do we need credit score from India?? Your suggestions would be highly appreciable. Thanks

[@LaaluLaalu-zf8gg]

Hey I’m not getting cas letter from university of huddersfield by send them prodigy’s loan confirmation letter can you please tell me why

[@wtc3301]

so basically i hv to pay interest on the processing fee as well?

[@okerekporohappy]

Do you still extend you loan to other countries apart from Canada and USA

[@rasi9441]

@Parth in the example shown, is it the prodigy loan percentage or APR?

[@ankitp245]

Any clarity on their matching process based on which the sanction letter is given?

[@rupikasrivastava7731]

Hey parth
Thanks for such a super information video about such a difficult topic. But i had a different question also
Have you come across students applying for MASTERS IN PUBLIC HEALTH. I see computer science and engineering courses being talked about everywhere but not health care fields. Please reply. Thanks 🙏

[@keerthanakad7586]

Yes even I need them . I am applying for spring season

[@musicaanxietyfree-healings6648]

Hey Rupika,
Did you get your loan for MPH, if you did, where did you get it from?

[@jaysravan908]

Is prodigy finance best or leap finance best . Can anyone suggest me

[@svivekkurapati226]

Can you do videos regarding under graduate studies in USA

[@prasanna9869]

It's better to complete your under graduation in your own country.....both financially and in career prospective

[@bellahouse8026]

Hello here from Brazil! I have a question... Is the loan from Prodigy given before, during or after the university application?

[@devendrabishnoi]

You can apply for any education loan after getting admission letter from University

[@bramprastowo4995]

If I have some bad collections on my credit card, it could be affect my applications on Prodigy? and could I use my wife's credit card? thankyou

[@larissasawant44]

Make video on Project management

[@nykkchandan]

Hey Thank You for video.
Can you please explain about the details of how we receive amount, if it is send to university along with our living cost. then for visa and other expense do we need another 8000euro in our bank account ?

[@sreepurammike]

Hi Parth, you are amazing to do we also get funding for Masters and PhD and do we get stipends while studying so that we can pay the amount. Thanks and have a wonderful day

[@farhadali4046]

Nice and informative session, Sir I have a question if you answer that I will be thankful for that..
Sir whether the interest rate on the loan start from the time when someone get the loan OR it start after the completion of the study

[@adityadhonde1082]

at the time you disburse interest rate start eg. if you took 10 lakhs you start paying 1 lakh (if roi is 10%) per year....

[@devendrabishnoi]

If you are able to take loan from Indian govt Bank go for it without thinking at all if you able to take loan from Indian private bank without thinking go for it if you are not able to take loan from Indian banks and nbfc's go for these types of company

[@swaroop40]

SBI > Prodigy.

[@massive_d]

Do you even know the process for sbi

[@swaroop40]

@@massive_d Absolutely

[@ChinonsoGrace]

Please how do I get prodigy link to apply

[@shammykumar5537]

Only for hose who have collateral and co-signors. Indian public bank will not give money tk "educated lower middle class" who doesn't have either collateral or cosigner.

[@TheProbabilityPlayer]

Sbi bina collateral krta hi nai

[@hrishikeshkshirsagar6738]

Hey buddy I got 2 admits from US for fall 2021 need help in deciding which one will be better any live Q&A if you do let me know I need some help

[@tarunchandak3218]

The admin fees is levied on disbursed amount or SANCTIONED AMOUNT.....

[@ShalvinKumar7]

I wish the excel includes tax rebates. :)

[@navyamangineni7333]

Can we change the course in the same university after finishing first semester.

[@sreeharsha2053]

there be any problem while going to the visa interview .? "WITH PRODIGY FINANCE" Will they compare students those who are taking loans from banks and taking a loan from prodigy finance

[@user-pl8mq2hw7m]

Does prodigy finance provide fund for bachelors degree or diploma

[@gayathrillll2792]

If I select a repayment plan of 10 or 20 years, can I still pay it all back within 5 years ? Or do they bill me something as a penalty, etc for that?

[@sibasismohapatra4961]

@parth purdue vs USC. Which is better ?

[@synoplex8042]

Interms of what?

[@sibasismohapatra4961]

@@synoplex8042 supply chain management

[@naytun4276]

May I know about actual processing time for matching.

[@gauravpatel8275]

Parth bhai, where's the next video for Personal finance is coming?

[@anandbhatt1325]

Hii Congratulations First To both of you🎉 I am not sure if they fund for undergrad,Please help me and enlighten me.

[@rohitm8814]

im getting 9.83 interest on Prodigy

[@quazishafayathossain6614]

Hey I want to know about your undergrad experience in thailand and sweden

[@devendrabishnoi]

Prodigy gives loans olny for masters that's what I heard an read is that true ????

[@nazishmohammad8670]

They did not offer full amount required for my I-20 or visa .Then what is the advantage of applying for loan . I got admit in UT Austin and I have to show amount of 42k dollar . When I completed all the process , it was shown that they can only offer 16k remaining I have to show them what they called Shortfall amount then will approved my loan of amount only 16k dollar

[@saurabhhire7553]

What if my program & school is not included in their list? Am I eligible or not.?

[@kamilazam8174]

What about M power finance is it good

[@fatemakhatunnandiny2414]

Can I take loan after arriving at the university and after finishing 2 semesters as I have scholarship to cover first 2 semesters!?!?
Please respond
Please

[@das_sar]

Anyone familiar with the forex conversion stuff he mentioned?

[@shashankjain2270]

What about their fund matching ?

[@sandiponmutsuddy2891]

Can I apply with my result of the 6th semester so that I can go to the USA in September right after my graduation? If so, will it be wise?

[@luciifer666]

first try with sbi Bank if you don't get it then only you try other options