Secured loan for the bulk
A property-backed public-bank loan gives the lowest rate over a long course.
Undergraduate
Education Loan for Bachelor's Abroad After 12th
Undergraduate degrees abroad cost more and last longer than master's degrees, so the loan is bigger and the moratorium longer. Lenders also lean more on the parents' income and collateral.
- 3–4 year courses
- Collateral usually needed
- Parents' income key
- Longer moratorium
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Quick answer
Education Loan for Bachelor's Abroad After 12th
Yes, you can get an education loan for a bachelor's abroad after Class 12. Because the course runs 3–4 years and lenders can't rely on a graduate salary as much, most UG loans are secured with property, and parents' income is assessed closely. Unsecured UG loans are limited and mostly for top universities. Expect a moratorium of the course period plus 6–12 months.
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Costs
Typical bachelor's costs abroad
Plan
How families usually fund a UG degree
Savings for year one
Paying the first year from savings reduces interest during the long moratorium.
Merit scholarships
Many universities give automatic merit scholarships to international freshmen.
Pay interest early
Paying interest during a 4-year moratorium stops the balance from growing by 40% or more.
FAQs
Frequently asked questions
Still have a question?
Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
Sometimes, for top universities and strong family income, but amounts are lower than for master's degrees. Most UG loans are secured.
The full course is usually sanctioned upfront and disbursed per semester or year.
Explore
Keep exploring
Read next
Related pages
Loan guides
More education loan guides
- How Much Education Loan Can I Get to Study Abroad?
- Is a Co-Applicant Mandatory for an Education Loan?
- Education Loan Without a Co-Applicant for Abroad Studies
- Education Loan Interest Rates for Abroad Studies
- Education Loan Tax Benefit: Section 80E and Section 129
- Education Loan Moratorium Period Explained
- Margin Money in Education Loans: How Much You Pay
- Education Loan Documents List for Abroad Studies
- Education Loan Process for Abroad Studies
- All loan guides
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