Interest
Secured loans usually have lower rates; unsecured loans cost more but don't need collateral.
Talk to an expert from ₹355Fall 2027 applications are open — talk to a senior counsellor from ₹355 and get your shortlist, loan and visa plan
Book a callBookCollateral-free loans
Don't have property to pledge? Collateral-free (unsecured) education loans are available from NBFCs, private banks and international lenders — especially for well-ranked universities and STEM programs. We find the lenders that fit your profile and handle the paperwork.
Reply on WhatsApp with your checklist and next steps
No asset at risk
Your family's property stays unencumbered.
Quicker sanctions
No property valuation or legal checks — sanctions can come in days.
Built for study abroad
Moratorium, disbursal schedules and visa letters designed for students.
Higher amounts for strong admits
Top universities and STEM courses can qualify for larger unsecured loans.
Talk to an expert
Get a senior counsellor's advice on your exact case before you decide.
Quick Expert Call
One focused question, answered fast
Profile & Shortlist Consultation
Know exactly where you stand
Premium Strategy Session
Your complete study abroad plan, with parents
Consultation fee is adjusted against any paid service or package you take within 30 days.
How it works
Share your admit, course, loan need and co-applicant details — takes 2 minutes.
We shortlist 2–3 lenders that fit your university, course and collateral.
One checklist; we prepare and submit to the lenders for you.
Sanction timed for your I-20, CAS, GIC or visa proof of funds.
Fees paid to the university; living costs released as per schedule.
Details
| Factor | Why it matters | How to strengthen it |
|---|---|---|
| University & course | Signals employability and repayment ability | Shortlist universities with strong outcomes |
| Co-applicant income | Primary repayment backup | Add an earning co-applicant with stable ITRs |
| Credit history (CIBIL) | Past repayment behaviour | Clear overdue EMIs and card dues before applying |
| Academic record & tests | Predicts course completion | Include strong GRE/GMAT/English scores |
| Loan amount | Larger amounts need stronger profiles | Combine savings, scholarships and loan |
Documents
Good to know
Secured loans usually have lower rates; unsecured loans cost more but don't need collateral.
Secured loans can go higher; unsecured limits depend on university, course and co-applicant.
Unsecured loans are generally faster to sanction.
Unsecured suits strong admits without property; secured suits families wanting the lowest rate.
FAQs
It depends on the lender, your university, course and co-applicant income. Strong admits in STEM programs at well-ranked universities can qualify for substantial unsecured amounts.
Indian lenders usually require an earning co-applicant (parent, spouse or sibling). Some international lenders don't.
Usually yes. We compare offers so you see the total cost, not just the headline rate.
Start with a consultation call. We then share the full scope and any fee in writing before any work begins — no surprises.
It's harder; lenders prefer degrees at recognised universities. We'll tell you honestly what's realistic.
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Share a few details and our team will reply with a checklist, timeline and fixed fee — before you commit.
Mon–Sat, 9 AM–6 PM IST