Question 1

Who is eligible for an education loan?

Accepted Answer

Any student with an admission offer letter from a recognized university abroad. One of the parents and working siblings can act as co-applicants.

Question 2

What is a collateral-free loan?

Accepted Answer

A collateral-free loan is one where you don't need to pledge property or any assets. Many banks/NBFCs offer up to ₹7.5–40 lakh (depending on profile & country) without collateral. This is provided to student going to pursue a master's degree.

Question 3

How much loan amount can I get?

Accepted Answer

It depends on your course, country, and family's financial profile. Amounts can go higher upto ₹1.5 crore.

Question 4

When do I start repaying the loan?

Accepted Answer

Most lenders give a moratorium period (course duration plus 6–12 months). You are usually allowed to pay simple interest or partial EMI during study, and full EMIs start after the moratorium period

Question 5

What expenses are covered by an education loan?

Accepted Answer

Tuition fees, living expenses, travel, insurance, exam fees, and other expenses like laptops/study material.

Question 6

What is the interest rate on study abroad loans?

Accepted Answer

It varies between 9%–13% for Indian banks and can be slightly higher with NBFCs. Rate depends on loan type, collateral, and co-applicant profile.

Question 7

Who can be a co-applicant for my loan?

Accepted Answer

Usually parents, guardians, or blood relatives. Some NBFCs allow working siblings too.

Question 8

Do I need to pay interest while studying?

Accepted Answer

Most banks allow complete deferment till the moratorium period. But, paying partially during study helps reduce overall burden.

Question 9

Can I get a loan without income proof of my parents?

Accepted Answer

It's difficult with banks, but NBFCs may consider stronger student profiles (good universities, STEM courses) even with limited parental income as low as INR 3 Lakh annually.

Question 10

Can I transfer my loan to another bank later?

Accepted Answer

Yes, through loan refinancing if you find lower interest rates.

Question 11

Do I need a guarantor for my education loan?

Accepted Answer

Yes, most lenders require a co-applicant or guarantor. In some cases, collateral substitutes for guarantor requirements.

Question 12

Can I get an education loan for diploma or certificate programs?

Accepted Answer

Loans are usually approved for UG, PG, MBA, MBBS, STEM, and professional courses. Short diplomas may not qualify unless from a reputed institute.

Question 13

Do I need to pay interest on the full loan amount sanctioned, or only what I use?

Accepted Answer

You only pay interest on the amount you actually use, not on the total loan sanctioned. It works like an overdraft facility. Example: If you are approved for ₹50 lakhs but withdraw only ₹15 lakhs for tuition and living expenses, your EMI and interest will be calculated only on ₹15 lakhs, not on the remaining ₹35 lakhs.

Question 14

What are the eligibility requirements for studying abroad?

Accepted Answer

Requirements vary by country and university, but generally you need your academic transcripts, English proficiency proof (IELTS/PTE/MOI), and financial documents. Don't worry, we'll check your profile first and suggest only the right-fit options.

Question 15

What if my percentage/CGPA is low, can I still get admission abroad?

Accepted Answer

Yes. Many universities accept students with average scores, especially if you have strong motivation, work experience, or a clear career plan. We'll help you find universities that value more than just grades.

Question 16

Do gap years or backlogs reduce my chances?

Accepted Answer

Not necessarily. Some countries/universities are flexible with gaps and backlogs if you can justify them. We'll guide you on how to present your case honestly and which countries/universities shall be the best fit.

Question 17

If I don't have IELTS, what options do I still have?

Accepted Answer

You can apply through MOI (Medium of Instruction), or choose universities/countries that don't require IELTS/PTE. We can shortlist such options for you.

Question 18

Can I change my course or university after applying?

Accepted Answer

Yes, in most cases before visa filing. After visa, you may need to reapply depending on the country's rules.

Question 19

Can I apply to multiple universities at the same time?

Accepted Answer

Yes, and it's often smart to keep 3 countries as backup. When you start your process with us, we'll apply to 3 universities for you.

Question 20

How much does it cost to study abroad (tuition + living)?

Accepted Answer

It depends on country and course. A tentative breakdown: UK: ₹20–30 lakh/year, Canada: ₹15–25 lakh/year, Europe: ₹8–18 lakh/year. We'll give you a detailed cost breakdown before you commit.

Question 21

Do I need to show bank balance for student visa? How much?

Accepted Answer

Yes, most countries require proof of funds for 1 year's tuition + living. We'll tell you the exact figure for your case.

Question 22

Can I apply for education loans without collateral?

Accepted Answer

Yes. Many Indian banks and NBFCs offer unsecured loans up to ₹40 lakh for master's programs. We'll connect you to the right lender.

Question 23

What if my loan doesn't get approved in time?

Accepted Answer

We can suggest backup lenders or guide you for partial payment options. The key is starting early, we'll help you plan the timeline.

Question 24

Do you take money in advance or only after admission?

Accepted Answer

We don't take any third-party fees. All payments (university, exam, visa) are made directly from your account. We only charge our service fee at visa filing.

Question 25

What are third-party fees, and where does my money go?

Accepted Answer

Third-party fees are expenses you pay directly to official organizations, never to us. These usually begin once you start your university or visa application. Examples include: University application fees (₹3,000–₹8,000 per application), VFS or Visa Application Centre fees, Embassy visa fees, Medical tests & health checks, GIC deposit (Canada), Blocked account (Germany), Mandatory health/travel insurance, Accommodation deposits.

Question 26

What happens if my visa gets rejected — do I lose my money?

Accepted Answer

University fees are refundable, but the institutes deduct certain amount for different procedural things which usually amounts between INR 10k- 50k. If a rejection happens, we'll guide you on reapplying or alternative options.

Question 27

How transparent is your fee structure?

Accepted Answer

We are truly transparent in our operations. All official fees (university application fees, visa fees, exam fees, etc.) are paid directly from your account to the respective organizations. We never handle your money for third-party expenses. We only charge our service fee at visa filing, ensuring complete transparency throughout the process.

Question 28

How do you ensure unbiased university recommendations?

Accepted Answer

We provide completely unbiased choices from our network of 800+ universities across 30+ countries. We have no tied agendas or partnerships that would influence our recommendations. Our goal is to find the best fit for your profile, budget, and career goals, regardless of which university you choose. We'll present you with multiple options and help you make an informed decision based on what's truly best for you.

Question 29

How soon should I apply for a visa before my intake?

Accepted Answer

Apply at least 2 months before your intake. For popular countries, earlier is better since slots fill up quickly.

Question 30

Do you also guide for dependent/spouse visas?

Accepted Answer

Yes. Many students travel with their spouse/children, and we provide full guidance for dependent visa applications.

Question 31

Do you guarantee 100% visa success?

Accepted Answer

No one can guarantee a visa, as the final decision rests with the embassy or consulate. However, over time, we've discovered key steps that consistently maximize your chances: Show financial stability with a small education loan, Prepare a clean, consistent document set, Master the visa interview with insider insights. By following these steps, our students consistently achieve high approval rates, giving you the best possible chance without false guarantees.

Question 32

Will I get a SIM card or accommodation before landing?

Accepted Answer

Yes. With our VAS, you can get a prepaid SIM activated before you fly and secure accommodation in advance.

Question 33

Do you help with insurance or medical coverage abroad?

Accepted Answer

Yes. Health insurance is mandatory in many countries, and we'll guide you to the right plans.

Question 34

Do you help with forex card or international bank account setup?

Accepted Answer

Yes. We assist with student forex cards, international bank accounts, and safe money transfer options.

Question 35

How do you ensure the accommodation is safe and legit?

Accepted Answer

We work only with verified partners. You'll get pictures, pricing, and contracts in advance — no hidden surprises.

Question 36

Can I request only specific services like visa or accommodation?

Accepted Answer

Yes, our services are flexible. You can request only what you need through the Request Services form.

Question 37

How much time do I need to prepare for IELTS/PTE?

Accepted Answer

On average 4–8 weeks, depending on your English level.

Question 38

What if I fail in the first attempt — do you re-train me?

Accepted Answer

Yes. We provide continued training, mocks, and feedback until you clear with your target score.

Question 39

Do you give practice papers or standard mocks?

Accepted Answer

We give a mix — official-style mocks + practice based on the latest trends and student feedback.

Question 40

Is test prep included in your admission package, or separate?

Accepted Answer

It's separate, since not everyone needs test prep.

Question 41

Is test preparation included in your services, or is it paid separately?

Accepted Answer

Test preparation (IELTS, TOEFL, GRE, GMAT, etc.) is a separate paid service. We guide you on which test is needed for your target country/university, but the actual coaching or online prep courses are chargeable. This way, you only pay if you actually need the training.

Question 42

Do you charge for SOP (Statement of Purpose) writing?

Accepted Answer

We provide free SOP samples and also offer a free evaluation of your draft, so you can improve it yourself. However, if you want our team to write your SOP professionally from scratch, it is a paid service. This ensures students who are confident in writing don't have to pay, while those who prefer expert help can opt-in.

Question 43

What services do you offer?

Accepted Answer

We offer end-to-end study abroad guidance including university shortlisting, application support, visa filing, education loans, test preparation, accommodation, insurance, and post-arrival support.

Question 44

What is your typical timeline for the entire process?

Accepted Answer

The complete process takes 6-12 months depending on your target intake. We start 12-18 months before your intended start date to ensure sufficient time for applications, visa processing, and preparations.

Question 45

Do you provide 24/7 support?

Accepted Answer

Yes, we provide round-the-clock support through WhatsApp, email, and phone. Our team is always available to help with emergencies, especially during visa interviews and travel.

Question 46

How many years of experience do you have?

Accepted Answer

Our team has 10+ years of experience in international education. We've helped thousands of students successfully study abroad and have strong relationships with universities worldwide.

Question 47

What is your success rate?

Accepted Answer

Our success rate is 95%+ for visa approvals and 98%+ for university admissions. We maintain high standards by ensuring students meet all requirements before applying.

Question 48

How do you communicate with students and parents?

Accepted Answer

We maintain regular communication through WhatsApp groups, email updates, and scheduled calls. Parents are always kept informed about their child's progress and important deadlines.

Question 49

Do you provide emergency support?

Accepted Answer

Yes, we provide 24/7 emergency support for urgent situations like visa issues, travel problems, or accommodation emergencies. Our team is always available to help.

Question 50

What is your refund policy?

Accepted Answer

We offer a transparent refund policy. If your visa gets rejected due to our error, we provide a full refund. We also offer partial refunds for unused services.

Question 51

How do you ensure a smooth process?

Accepted Answer

We use proven processes, maintain detailed checklists, and provide regular updates. Our experienced team handles everything from applications to post-arrival support.

Question 52

How do I start the process?

Accepted Answer

Start by booking a free consultation call. We'll assess your profile, discuss your goals, and create a personalized roadmap. You can book a call through our website or WhatsApp.

Question 53

How can I contact you?

Accepted Answer

You can reach us through WhatsApp, email, phone, or by booking a consultation call through our website. We respond within 2-4 hours during business hours.

Question 54

Do you have physical offices?

Accepted Answer

Yes, we have offices in major cities. However, most of our services are provided online, so you can work with us from anywhere in India or abroad.

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