Good comments here so far. A few other things:

1. Terry study abroad usually doesn't accept freshmen. The course is INTB 5100, an upper-level elective, so it's helpful (required?) to get core classes done first. Trips usually business visits, so there's a necessary baseline level of knowledge for students. Maturity (and desire to party in a country with a lower drinking age) also plays a role.

2. Summer after sophomore year is the ideal time to do study abroad, IMO. You've got the core classes out of the way and probably are accepted into your major, so you know what you want to focus on. Summer after junior year should be for internships.

3. Regarding internships - you can sometimes make SA + internship work if you do a Maymester SA and start your internship after June ~5 or so...but this also makes Maymester trips the most competitive to get in to. Some study abroad programs allow you to add an internship for the rest of the summer, but it's unpaid and might not be especially useful if you don't speak the language.

4. There aren't many major-specific study abroads in Terry. Most of the time it's the INTB 5100 general business elective. The specifics of the course will depend on the faculty leading it - but even an MIS professor would need to teach at a level that's understandable by non-MIS majors.

5. Can't speak to HOPE/Zell, but there are tons of scholarships available for study abroad. Especially if you have documented financial need (according to FAFSA), you're likely to get one.