Frequently asked questions

We help students plan studying abroad: choosing a country and university, applying for admission, arranging an education loan through our bank and NBFC partners, and preparing for the visa process. We are a consultancy and loan facilitator, not a lender.

Your first counselling call is free. [PLACEHOLDER: fee model to be confirmed by Students Choice.]

We aim to reply within 24 hours on working days (Mon–Sat, 10 am – 7 pm). WhatsApp is usually the quickest way to reach us.

We work with 15+ lending partners, including Bank of Baroda, ICICI, Axis, Credila, Avanse, Auxilo, InCred, Tata Capital, Poonawalla, IDFC FIRST, Prodigy, Union Bank, PNB, YES Bank and Edgro. Which lenders suit you depends on your country, university, course and profile.

A collateral-free (unsecured) loan does not need you to pledge property, but the amount is usually capped and the rate is often higher. A secured loan is backed by property or another security, which can allow a higher amount and a lower rate. The right choice depends on your course, university and the co-applicant’s profile.

Usually: your admission or offer letter, KYC of the student and co-applicant, income and bank statements of the co-applicant, academic records and test scores. Lenders may ask for more, and we share the exact list for your lender.

It depends on the lender, the loan amount and how complete your documents are. We help you submit complete applications to avoid delays, but timelines and approval are decided by the lender.

No. Approval, loan amount, interest rate and fees are decided by the lender based on your profile. Rates shown on our site are indicative.

Yes, we can review the reason for the rejection, suggest fixes such as documents or a change of co-applicant, and match you with lenders that may suit your profile. We cannot promise a different outcome. Share your case on our Beyond Rejection page.

USA, UK, Canada, Australia, Germany, France, Ireland, Italy, Spain, Switzerland, UAE and New Zealand.

No. Universities decide admissions and immigration authorities decide visas. We help you prepare strong applications and understand the requirements. Rules change often, so always confirm on official websites.

It depends on the country and course, and our country pages list the main intakes. Apply early: some countries limit the number of study permits or places.

Partners refer students to us, track their referrals and earn commission on successful cases. Commission rates and terms are shared when your application is approved. See the partner page.

Only to respond to your enquiry, advise you and, with your consent, share your details with the lenders and universities you choose to apply to. Read our Privacy Policy for details.