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Comprehensive Expense Coverage

Global Horizons: Your Complete Guide to International Education Loans Securing funding for overseas education requires structured planning across eligibility, loan features, and necessary paperwork. Leading institutions like SBI and HDFC Bank provide extensive financial frameworks to cover your global academic dreams.

Parameter	Secured Loans	Unsecured Loans
Collateral Required	Tangible assets (Property, Fixed Deposits, Life Insurance)	No asset security required
Maximum Limits	Up to ₹3 Crores depending on lender guidelines	Up to ₹75 Lakhs for premier global entities
Typical Interest Rates	Competitive rates starting from 9.5% to 12% p.a.	Generally higher, ranging from 10.5% to 15% p.a.
Repayment Terms	Up to 15 years post-moratorium period	Flexible plans; interest-only options during studies

Baseline Eligibility Criteria

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Nationality: The primary student borrower and co-applicants must be recognized Indian citizens.

Academic Status: Confirmed admission to a recognized degree, diploma, or post-graduate course abroad.

Institution Standing: Choice of university must map to accredited global ranking lists.

Co-Applicant Profile: A co-borrower (parent, spouse, or guardian) with verifiable income streams must join.

Comprehensive Expense Coverage

International education loans are designed to cover more than just your academic tuition. The financing covers up to 100% of the comprehensive cost of attendance: [6, 10, 13]