Frequently Asked Questions

Our process is simple. You start by filling out our application form. We then assess your eligibility, help you collect the required documents, and connect you with our partner banks and NBFCs to find the best loan offer for your needs. We guide you at every step until the loan is disbursed.

Common documents include KYC (Aadhaar, PAN card), academic records (mark sheets), admission letter from the university, and income proof of the co-applicant (like salary slips or ITR). The exact list can vary depending on the lender and loan amount.

Many institutions offer collateral-free (unsecured) loans up to a certain amount, often depending on the university and course you've chosen. For larger loan amounts, collateral such as property or fixed deposits may be required. We help you explore both options.

The timeline can vary from 7 to 15 working days after all documents are submitted. Our team works to expedite the process by ensuring your application is complete and correctly submitted to our financial partners.

An education loan typically covers tuition fees, accommodation costs, travel expenses, cost of books and equipment, health insurance, and other living expenses. The exact coverage can vary based on the lender and the loan amount.

Interest rates for education loans vary depending on the financial institution, loan amount, collateral provided, and the applicant's profile. We help you compare rates from multiple lenders to find the most competitive and affordable option.

A co-applicant is usually a parent, spouse, or sibling with a stable source of income. In some cases, other blood relatives can also be co-applicants. A strong co-applicant profile significantly increases the chances of loan approval.

A moratorium period is a "repayment holiday" during which you are not required to make EMI payments. For education loans, this period typically covers your course duration plus 6 to 12 months after course completion, giving you time to find a job.

If your application is rejected, our team analyzes the reason for rejection, provides guidance on how to strengthen your profile, and helps you re-apply with a different lender from our network who might have more suitable eligibility criteria.

Our basic consultation and eligibility check are completely free. We have different service packages, and any applicable fees are communicated transparently upfront. Our goal is to provide accessible and affordable guidance for your study abroad journey.