And in reply to all your questions
– If you tell them when you apply that you want to just stay for one year they will not accept you.
– They accept every single nationality in the world as long as they’re jewish.
– The best thing is to first apply and then talk about the money.
– I dont know what kind of girl you are to advise you which sem would be best for you and there’s too much to write about each of them – so you’re best off telling us what kind of place you would like to study in for people to advise you which one to go to.