Frequently Asked Questions
Have questions? We’re here to help you.
01
What other services does Lorien Finance provide?
01
What other services does Lorien Finance provide?
Apart from study abroad loans, we offer assistance with accommodation, insurance, forex, GIC accounts, international SIM cards, and more to make your study abroad journey seamless.
02
Do you charge for your services?
02
Do you charge for your services?
No. Our expert guidance and platform are completely free for students. You only pay the processing fee directly to the lender once your loan is sanctioned.
03
How fast can I get my loan approved?
03
How fast can I get my loan approved?
With complete documentation, many students get their loan sanctioned and disbursed quickly, ensuring you meet your university and visa deadlines.
04
Can I apply if I don’t have collateral or a co-signer?
04
Can I apply if I don’t have collateral or a co-signer?
Yes. We offer no-collateral and no-cosigner loan options, making financing possible even without assets or a guarantor.
05
What expenses can the loan cover?
05
What expenses can the loan cover?
Your loan can cover tuition fees, living costs, travel, insurance, and other education-related expenses depending on the lender and your profile.
06
Which countries can Lorien Finance help me with?
06
Which countries can Lorien Finance help me with?
Lorien Finance offers students the opportunity to choose from 195 countries for their study abroad journey, providing helpful guidance throughout the process.
07
What makes Lorien Finance different from others?
07
What makes Lorien Finance different from others?
Lorien Finance simplifies your study abroad journey by connecting you with 17+ trusted lenders, offering expert guidance, and ensuring a stress-free loan process from application to disbursal.
General
What other services does Lorien Finance provide?
Apart from study abroad loans, we offer assistance with accommodation, insurance, forex, GIC accounts, international SIM cards, and more to make your study abroad journey seamless.
Do you charge for your services?
No. Our expert guidance and platform are completely free for students. You only pay the processing fee directly to the lender once your loan is sanctioned.
How fast can I get my loan approved?
With complete documentation, many students get their loan sanctioned and disbursed quickly, ensuring you meet your university and visa deadlines.
Can I apply if I don’t have collateral or a co-signer?
Yes. We offer no-collateral and no-cosigner loan options, making financing possible even without assets or a guarantor.
What expenses can the loan cover?
Your loan can cover tuition fees, living costs, travel, insurance, and other education-related expenses depending on the lender and your profile.
Which countries can Lorien Finance help me with?
Lorien Finance offers students the opportunity to choose from 195 countries for their study abroad journey, providing helpful guidance throughout the process.
What makes Lorien Finance different from others?
Lorien Finance simplifies your study abroad journey by connecting you with 17+ trusted lenders, offering expert guidance, and ensuring a stress-free loan process from application to disbursal.
Country
Can education loan interest be tax-deductible?
Yes under Section 80E of Income Tax Act, interest paid on education loan for studying abroad is deductible.
What documents do I need for a France loan application?
Standard KYC, academic transcripts, admission offer, fee structure, passport, and cosigner documents if applicable. Our experts guide you throughout.
Which French universities are covered for loans?
All public & recognized Grandes Écoles are covered—from PSL, Paris-Saclay to INSA Lyon, Sorbonne, and more.
When can I start repayment on my loan?
Repayment usually starts 6–12 months after graduation or once your APS/work permit begins. Flexible options available.
Why choose between Indian vs Global lenders for France?
INR loans have familiar terms and quicker local access. Global lenders often offer rates from 3.39%* and higher loan coverage. Lorien helps you compare both.
Can I get a loan without collateral for studying in France?
Yes you can. We offer collateral-free loans up to ₹75 lakhs through select lenders. For higher amounts, a cosigner or collateral may be needed.
Why choose Lorien Finance for your US study loan?
With 17+ lender options, competitive rates, and dedicated loan counsellors, Lorien Finance simplifies the process, negotiates better terms, and provides end-to-end support until your funds are disbursed.
What expenses can a US study loan cover?
Your loan can cover tuition fees, living expenses, travel costs, insurance, and even gadgets or books required for your course.
How quickly can I get my loan sanctioned?
With complete verified documents, Lorien Finance ensures faster approvals and disbursals, often in just a few days, so you can meet your university or visa deadlines.
Can I get a US study loan without a cosigner or collateral?
Yes. Lorien Finance partners with global lenders that offer no-cosigner and no-collateral loan options based on your admission profile and future potential.
What is the interest rate for US study abroad loans?
Interest rates start from as low as 3.39%* for USD loans with a US co-signer. For INR loans, interest rates start around 8.25%* p.a., depending on your profile and lender.
What types of study abroad loans are available for the USA?
Lorien Finance offers both INR loans from Indian lenders and USD loans from global lenders. INR loans may require a co-borrower or collateral, while USD loans often need no collateral and can cover up to 100% of your education costs.
Can I speak directly with a loan expert?
Yes, Lorien Finance’s dedicated loan experts are available to guide you through the process, answer queries, and ensure a smooth study abroad loan application journey.
Do I need collateral or a cosigner for study abroad loans?
Not necessarily. Lorien Finance offers no-collateral and no-cosigner loan options depending on your profile and the lender’s criteria for your study abroad loans.
Are the lender comparisons unbiased?
Absolutely. We work with 17+ trusted lenders and provide transparent comparisons and also negotiate on your behalf for your study abroad loan with the best interest rate.
Can I check my loan eligibility online?
Yes, you can use our quick Loan Eligibility Calculator to check your loan eligibility instantly.
What does the Country page offer?
It helps you explore your study destinations, discover best-fit courses, and compare lenders to find the right study abroad loan under one roof.
What is the maximum loan amount for studying in Ireland?
Loans up to ₹1.5 crore are available, depending on lender and profile.
What documents are needed for a study abroad education loan?
KYC documents for both student and co-borrower, academic transcripts, and co-borrower’s financial documents are required.
How does Lorien Finance help me secure the best education loan?
We partner with India’s top banks and NBFCs to match students with optimal loan options. Our team assists with document collection and negotiates for favorable loan terms.
Which courses and universities are eligible for education loans via Lorien Finance?
Lorien Finance offers loans for full-time undergraduate, postgraduate, MBA, and STEM programs at accredited Irish universities. Eligibility can be checked via the loan calculator or by consulting with experts.
What is the maximum loan amount for studying in Canada?
Loan amounts vary based on degree level, university, and financial profile. Maximum amounts can go up to ₹1.5 crore. To find your best-fit option, talk to our experts today.
What documents are required for a study abroad education loan for Canada?
You’ll need KYC documents for the student and co-borrower, academic transcripts, work experience (if applicable), and financial documents of the co-borrower.
How does Lorien Finance help me get the best education loan offer?
Lorien Finance works with top banks, NBFCs, and international lenders to secure the best loan terms for students. We assist with documentation, coordinate with lenders, and negotiate favorable loan options.
Which courses and Canadian universities are eligible for an education loan through Lorien Finance?
Lorien Finance provides loans for full-time undergraduate, postgraduate, MBA, and STEM programs at accredited Canadian universities. You can easily check eligibility through Lorien’s loan calculator or by speaking with our experts.
Are there tax benefits available for study abroad loan for New Zealand?
Yes, you can claim tax deductions on interest paid under Section 80E of the Income Tax Act.
What is the maximum loan amount for studying in New Zealand?
Loan amounts can go up to ₹1.5 crore based on eligibility and lender criteria.
What documents are required for a study abroad education loan?
You’ll need KYC documents for the student and co-borrower, academic records, and financial documents.
How does Lorien Finance help me get the best education loan?
We partner with leading Indian banks and NBFCs to match you with the best loan options. Our team helps with documentation and negotiations for optimal loan terms.
Which courses and universities are eligible for education loans through Lorien Finance?
Lorien Finance provides loans for full-time undergraduate, postgraduate, MBA, and STEM programs at accredited New Zealand universities. You can check eligibility via our loan calculator or by consulting our experts.
Can I save tax on my UK education loan?
Absolutely! Interest paid is fully deductible under Section 80E with no upper limit.
What documents do I need for a UK loan application?
Standard KYC documents, academic records, IELTS scores, admission letter, fee structure, and co-signer's financial documents. We guide you through the entire documentation process.
Which UK universities are covered for loans?
All government-recognized UK universities are eligible. From Oxford and Cambridge to newer institutions. We have specific products for popular courses like Engineering, Business, and Medicine.
When do I start paying back my education loan?
Repayment starts 6-12 months after graduation, perfectly timed with your Graduate Route visa work period. You can choose EMI, interest-only, or partial payments during studies.
Is it better to take a loan from Indian lenders or international lenders?
Loans from Indian lenders start from 8.25% with familiar processes, while loans from international lenders start from 3.39%*. We help you calculate which works out cheaper based on exchange rates and fees.
Can I get a loan without collateral for UK studies?
Yes! We offer collateral-free loans up to ₹75 lakhs through select lenders. For higher amounts, you may need collateral or a co-signer with strong financials.
Are there any tax benefits or deductions available on study abroad education loan interest?
Yes, the Income Tax Act of 1961 permits the deduction of interest paid on an education loan under Section 80E.
When do I start repaying my education loan?
Repayment usually starts after the moratorium period, which covers your course duration plus 6 to 12 months. You can choose repayment options like EMI, simple interest, or partial interest, based on your loan terms.
What is the interest rate on study abroad education loans?
The interest rate starts as low as 3.39% and varies as per lenders.
What documents are required for a study abroad education loan?
You need to submit KYC documents of both the student and cosigner, academic records, work experience (if any), and the cosigner’s financial documents to assess loan eligibility and repayment capacity.
How does Lorien Finance help me get the best education loan offer?
Lorien Finance partners with top banks, NBFCs, and global lenders to help you secure the best education loan. We handle document submission, coordinate with lenders, and negotiate to get you the most favorable loan terms.
Which courses and US universities are eligible for an education loan through Lorien Finance?
Lorien Finance offers loans for full-time undergraduate, postgraduate, MBA, and STEM programs at accredited US universities. Eligibility depends on your course and university. You can easily check this through Lorien Finance’s [loan eligibility calculator](https://www.lorien.finance/loan-eligibility) or by speaking with our loan experts.
Courses
How can I get expert guidance for my course and loan selection?
You can connect with Lorien Finance’s loan experts anytime to receive personalized advice for a smooth end-to-end study abroad loan process.
Are there loans available without collateral or a cosigner?
Yes, depending on your profile, lender criteria, and the post-study work opportunities of your chosen course, Lorien Finance offers no-collateral and no-cosigner loan options.
Can I check loan options for my chosen course?
Yes, once you select a course, you can compare 17+ lenders and check your eligibility for study abroad loans.
How do I know which course fits my career goals?
Our platform allows you to browse multiple courses, understand their career outcomes, and choose the one that matches your aspirations.
What can I do on the Courses page?
You can explore study abroad courses that align with your career goals and compare lenders to find the right education loan in one place.
How much loan can I get for my MBA abroad?
You can get up to ₹1.5 crore for your MBA abroad, depending on your admit, course, and destination. Lorien Finance helps you access education loans that cover tuition, living expenses, and more.
Which destinations are supported for MS study abroad loans?
We support loan funding for over 100 countries, including the USA, UK, Canada, Australia, New Zealand, Ireland, and Germany.
How quickly can my MS loan be approved through Lorien Finance?
With complete documentation, MS study abroad loans can be sanctioned within 5–7 working days.
What maximum loan amount can I get for MS studies abroad?
You can secure up to ₹1.5 crore depending on your program, destination, and eligibility—covering tuition, living, travel, and more.
Can I get an MS study abroad loan without providing collateral?
Yes. We work with lenders offering collateral-free and co-signer-free loan options for MS programs.
Which countries do you support for STEM study loans?
We provide loan support for 100+ countries worldwide, including USA, UK, Canada, Australia, New Zealand, Ireland, and Germany.
How fast can my STEM loan be approved?
With full documentation, study abroad loans for STEM can be sanctioned within 5–7 working days via Lorien Finance.
What maximum loan amount is available for STEM fields?
You can secure up to ₹1.5 crore based on program, destination, and eligibility—covering tuition, living, travel, and related costs.
Can I get a study abroad loan for STEM without collateral?
Yes. We partner with lenders offering collateral-free and co-signer-free loans for STEM students.
Which countries are covered for M.Tech study loans?
Lorien Finance supports M.Tech loan applications for 100+ countries including the USA, UK, Germany, Canada, Australia, Ireland, and New Zealand.
How fast can I get my M.Tech loan sanctioned?
With complete documents, your study abroad loan can be approved within 5–7 working days through Lorien Finance.
What is the maximum loan amount I can get for M.Tech abroad?
You can secure up to ₹1.5 crore, depending on your program, admit, and destination. This covers tuition, living, and related expenses.
Can I get an M.Tech study abroad loan without collateral or a co-signer?
Yes. Lorien Finance partners with lenders that offer collateral-free and co-signer-free study abroad loans for M.Tech students.
Which countries are eligible for MBA study abroad loans?
Lorien Finance supports MBA study loans for top destinations including the USA, UK, Canada, Australia, Germany, New Zealand, and more than 100 countries — all with tailored loan options.
How long does it take to get an MBA education loan sanctioned?
With Lorien Finance, your MBA loan can be approved within 5 to 7 working days after document submission. Our team ensures a fast, smooth loan process from application to disbursal.
Can I get a study abroad MBA loan without collateral or co-signer?
Yes. Many of our global lending partners offer study abroad MBA loans without collateral or a co-signer. Lorien Finance matches your profile with lenders who don’t require strong CIBIL scores or financial backing.
Lorien Services
What expenses are covered under a pre-approved Spring 2026 loan?
Your loan can cover tuition fees, living costs, travel, insurance, exam fees, and even gadgets like laptops required for your course.
How long does it take to get approval and disbursal?
With complete verified documents, you can expect fast-track sanction and disbursal, often within a few days.
How quickly can I get a pre-approved loan?
With all verified documents, you can get sanctioned in as fast as 5 to 7 days.
Can I get a study abroad loan before I receive admission?
Yes. With Lorien Finance, you can get a pre-approved loan sanction even before your admission letter. This helps strengthen your university and visa applications.
Why should I apply for my Spring 2026 loan early?
Applying early ensures you lock in the best interest rates, secure no-collateral or no-cosigner options, and avoid last-minute stress with universities and visa deadlines.
Why should I go for a pre-approved loan?
It secures your financial readiness before admission, strengthens visa applications, and lets you plan stress-free.
What is a Pre-Approved Sanction Letter?
Proof of your loan eligibility validated by the bank before admission. It shows you have financial backing to the immigration officer! It is valid for 6 months.
How does Lorien Finance help with fast track loans?
We connect you with the right lender, prioritize your case, and guide you through every step, ensuring quick sanction and disbursal without stress.
Is my fast track loan secure and reliable?
Absolutely. Lorien Finance partners only with trusted lenders, ensuring your loan is processed safely and transparently.
Can fast track loans cover all study abroad expenses
Yes, they can cover tuition fees, living expenses, travel, insurance, and more depending on your lender’s terms.
What documents do I need for a fast track loan?
You need standard loan documents such as admission proof, financial details, and KYC documents. Our advisors help you prepare everything quickly and correctly.
Does fast processing cost extra?
No, there is no additional cost for fast track processing. We simply prioritize your loan application to match your urgency.
How quickly can my loan get sanctioned?
With Lorien Finance, once verified documentation is submitted, your loan can be sanctioned in a fraction of the usual time.
Who should apply for a fast track loan?
Students who have secured admission, are close to fee payment deadlines, or have upcoming visa interviews can benefit from fast processing.
What is a fast track study abroad loan?
It is a loan process designed for students who need urgent sanction and disbursal to meet admission, visa, or travel deadlines.
How does Lorien Finance help with low interest loans?
We connect you with the right lenders, guide you through documentation, and secure the best terms, ensuring quick sanction and disbursal with complete verified documentation.
Can I still apply without a US co-signer?
Yes, but you may not be eligible for the lowest interest rates. Lorien Finance can still help you explore alternative loan options.
Does this loan cover all my expenses?
Yes, low interest rate loans typically cover tuition, living costs, travel, insurance, and more.
How quickly can my loan be sanctioned?
With a verified co-signer and documents, your loan can be sanctioned and disbursed quickly to meet your university deadlines.
Are there any hidden charges?
No, Lorien Finance ensures complete transparency. Our advisors explain all terms clearly before you finalize your loan.
How much can I borrow with a US co-signer?
Depending on your profile and lender, you can get full funding for your tuition, living expenses, and other educational costs.
Why do I need a US co-signer?
A US co-signer reduces the lender’s risk, helping you secure better interest rates, higher loan amounts, and quicker approval.
Who can apply for a low interest rate loan?
Students heading to the US with a reliable US-based co-signer, such as a relative or close family friend, are eligible for these affordable loan options.
What is a low interest rate study abroad loan?
It’s a loan option with a significantly reduced interest rate, starting at 3.39%* when you have a US-based co-signer backing your loan.
Is there any cost for your services?
No. Lorien Finance provides end-to-end guidance from lender comparison to documentation to disbursal with no extra cost to help you secure your study abroad loan.
How many students have trusted Lorien Finance?
Over 5000+ students across India have chosen Lorien Finance for their study abroad loans, and we’re proud to hold a 4.7⭐ Google rating.
What loan amount can I get approved for?
Depending on your profile, you can get up to ₹1.5 crore without collateral, and higher with collateral-based loans.
How does Lorien Finance help with documentation?
We provide a clear checklist of lender-specific requirements, making sure your paperwork is in order for faster approval.
Can I refinance an existing loan through Lorien Finance?
Yes. If you already have a loan, we help you switch to a better lender with lower interest rates and flexible repayment terms.
How fast can I get my loan sanctioned?
With Lorien Finance, loans are fast-tracked. Once documentation is complete, we coordinate with lenders to ensure quick sanction and disbursal.
What are the interest rates offered?
Interest rates start as low as 3.39%*, depending on your profile and lender. Our team helps you compare options across lenders to find the most affordable solution.
Do you provide loans without a co-signer?
Absolutely. If you don’t have relatives abroad or your family has a weak credit profile, our no-cosigner loan option ensures you can still secure funding for your education.
Can I get a loan without collateral?
Yes. Lorien Finance helps you access no-collateral loans of up to ₹1.5 crore based on your profile, so you don’t have to pledge property or assets.
What makes Lorien Finance different from other loan providers?
Lorien Finance is not just a marketplace. We partner with you throughout your study abroad journey. With 17+ global lenders, personalized loan solutions, and a 95% approval success rate, we ensure financing your education is simple and stress-free.
Can I customize my service package?
Absolutely. You can choose just one service or create a personalized package to suit your study abroad plans.
How reliable are your service providers?
We partner only with verified and best global service providers, ensuring safety, quality, and peace of mind for both students and parents.
Is there an extra cost for using Study Abroad Essential ?
Some services may have charges based on your chosen provider, but guidance and support from our team are always free.
What are the services under Study Abroad Essential?
The services include accommodation, test bookings, forex, debit/credit cards, GIC account, international sim cards, insurance & placements.
Are these services available for all countries?
Yes, Lorien Finance caters to students going to top study abroad destinations, including the USA, Canada, UK, Australia, New Zealand and more.
How do I book these services?
You can explore and request any service directly through our platform. Our team will connect you with verified and best global providers.
What is Study Abroad Essential?
Study Abroad Essential is Lorien Finance’s all-in-one platform that provides essential services beyond your education loan, making your study abroad journey seamless and stress-free.
How does Lorien Finance help with no collateral loans?
Lorien Finance connects you with the right lenders, negotiates better terms, and ensures smooth sanction and disbursal, making your study abroad journey worry-free.
What happens if I default on a no collateral loan?
If repayments are not made, it impacts your credit score and the co-signer’s financial record. Lorien Finance ensures repayment plans are realistic to help avoid risks.
Can I switch to a collateral loan later?
Yes, in some cases, students can transfer from an unsecured to a secured loan for better terms. Lorien Finance helps you find the best option at every step.
What expenses can no collateral loans cover?
They can cover tuition, living expenses, travel, insurance, and other study abroad costs depending on lender terms.
How long does it take to get a no collateral loan approved?
Approvals are typically quicker than secured loans since asset verification is not required. With Lorien Finance, you can get quick sanction and disbursal once verified documents are submitted.
Do I need a co-signer for a no collateral loan?
Yes, most lenders require a co-signer with a stable income to reduce risk and improve approval chances.
Are interest rates higher for no collateral loans?
Yes, unsecured loans usually carry slightly higher interest rates than collateral loans, but they save you the stress of asset pledging.
How much can I borrow without collateral?
Loan amounts depend on the lender, university, and course. With Lorien Finance, you can get funding up to ₹40 lakhs without collateral.
Who can apply for a no collateral loan?
Students with strong academic records, admission to recognized universities, or a co-signer with stable income are generally eligible.
University
Are there English-taught programs available at Sorbonne?
Yes, some programs. Particularly at the Master’s level in science and certain interdisciplinary tracks and courses are offered fully or partly in English.
Is Sorbonne University highly ranked internationally?
Yes. Sorbonne University is ranked #72 in QS Global Rankings 2026 and leads in France across many Arts, Humanities, Science, and Engineering disciplines.
What are the admission requirements for international students?
Applicants need academic transcripts, language proficiency (French or English depending on the program), and possibly SOPs, recommendation letters, or portfolios as required by specific programs.
Can I fund my education at Sorbonne with Lorien Finance?
Yes, we offer education loans with flexible terms, no collateral, and no cosigner options through INR and global lenders.
What is the estimated cost to study at Sorbonne University?
Public tuition is very low, registration fees are €175 (Bachelor), €250 (Master), €618 (Engineering). Living costs are approximately €12,458 annually. Total cost is around €12,600–€13,100.
Do English-taught programs exist at PSL?
Yes. Several Master’s programs, especially in science and economics are offered in English. Check specific program listings on PSL’s website.
How strong is PSL for research and innovation?
PSL hosts around 140 research labs, files many patents each year, supports startups, and includes numerous laureates in its community.
Can I work while studying at PSL?
Yes. Students can work up to 964 hours per year (about 20 hours per week) while studying in France.
How does DCU support career development?
DCU's CareerAhead program offers personalized career coaching, industry mentorships, and exclusive access to Ireland's top employers. The mandatory INTRA program means you graduate with real work experience.
What's the student life like in Dublin?
Dublin offers the perfect blend - historic charm meets modern innovation. From Temple Bar's nightlife to Phoenix Park's tranquility, plus DCU's active student societies, you'll never be bored!
Can I work while studying at DCU?
Absolutely! Non-EU students can work 20 hours/week during studies and full-time during holidays. Many students find part-time roles in Dublin's thriving tech and finance sectors.
How competitive is admission to DCU?
DCU maintains high standards but isn't as competitive as Trinity or UCD. Focus on strong academics (75%+ in Class XII) and demonstrate genuine interest in your chosen field.
What makes DCU special for international students?
DCU was Ireland's first university to integrate mandatory workplace internships (INTRA) into undergraduate programs. Plus, with 124+ nationalities on campus, you'll never feel like an outsider!
What is the cost of living in Paris when studying at PSL?
You can expect housing, food, and utilities to total around €600–€900 monthly, depending on your accommodations and lifestyle.
Is PSL tuition really low for international students?
Yes. Most public courses at PSL require just €250/year plus CVEC (€103), making it one of the most affordable top-tier universities for foreign students.
What's the typical loan amount needed for ANU?
Most students require AUD 80,000 - 100,000 (₹45-55 lakhs) covering tuition and living expenses for a complete degree. Lorien Finance can arrange loans up to ₹1.5 crores with competitive interest rates.
Are there scholarships available for Indian students?
Yes! ANU offers various merit-based scholarships including the ANU Chancellor's International Scholarship (up to 50% tuition reduction) and country-specific awards. We help you identify and apply for relevant scholarships.
What's the acceptance rate for Indian students at ANU?
ANU has an overall acceptance rate of 35%, making it competitive but achievable with proper preparation. Our counselors can help you strengthen your application and secure admission.
How can Lorien Finance help with my ANU education loan?
We partner with 17+ Indian and international lenders to find you the best education loan rates and terms. Our experts guide you through the entire process, from documentation to disbursement, making your ANU dreams financially achievable.
How does LSE support international students?
LSE offers comprehensive support including airport pickup, orientation programmes, dedicated international student advisors, English language support, and a vibrant community of international student societies.
Can I work while studying at LSE?
Yes! Student visa holders can work 20 hours per week during term time and full-time during holidays. LSE's London location offers abundant part-time opportunities in finance, consulting, and research.
What education loan options are available for LSE?
Through Lorien Finance, we connect you with 17+ lenders offering education loans up to ₹1.5 crores for LSE. Interest rates start from 8.5% APR with flexible repayment options. Many loans don't require collateral for amounts up to ₹40 lakhs.
What makes LSE special compared to other UK universities?
LSE is the world's leading social science university, located in central London with unmatched access to government, media, legal, and financial sectors. Our alumni include 18 Nobel Prize winners, 37 world leaders, and countless influential figures in every field.
How strong is career support at UC?
Excellent. UC provides industry-focused programs, career services, and access to a global alumni network.
What are the admission requirements for international students?
Strong academic transcripts, proof of English proficiency (IELTS or equivalent), and any program-specific requirements.
Can I fund my University of Canterbury education with Lorien Finance?
Yes. Study abroad loans are available to fully cover education costs, along with value-added services such as accommodation, insurance, e-SIM, and more.
What is the estimated cost to study at UC?
Total annual expenses, including tuition, living costs, and supplies, are typically NZD 50,000–60,000.
Tools
Are my details safe when I use these tools?
Absolutely. Your personal data is encrypted and never shared with lenders until you proceed with your application.
What should I do if I need a higher loan amount than estimated?
If your desired loan amount is higher, our experts can guide you on adding a co-signer or offering collateral to improve approval chances.
Can I use these tools if I haven’t finalized my university yet?
Yes, you can. These tools help you get an estimate and prepare your finances even before you finalize your admission.
How accurate are the EMI estimates?
The EMI Calculator uses real-time data from 17+ lenders to give you precise and reliable estimates for your loan planning.
Will using the Loan Eligibility Checker affect my credit score?
No, it won’t. Our eligibility checker is designed to give you accurate options without impacting your credit score.
Are these tools free to use?
Yes, all our tools i.e. EMI Calculator, Loan Eligibility Checker, and Academic Grade Converter are completely free for students.
Lenders
What’s the typical processing time for a Union Bank education loan?
Union Bank generally processes loan applications within 7 working days when assisted by Lorien Finance, thanks to streamlined documentation and follow-up.
What does the loan cover?
Union Bank study abroad loan covers tuition, living expenses, travel, accommodation, and study materials.
How long will my loan repayment period be?
The repayment tenure can extend up to 15 years, starting after the moratorium period (course duration plus one additional year).
Do I need collateral or a co-applicant to apply?
No-collateral loans are available up to ₹40 lakhs, especially for universities in Category A. For higher loan amounts, collateral may be required. A co-applicant with stable income and good credit is mandatory.
What interest rates does Union Bank charge for study abroad loans?
For unsecured loans (up to ₹40 lakhs), rates start around 9.5–9.75%. Secured loans begin at approximately 9.25%, depending on collateral and university category.
What’s the maximum loan amount I can get from Union Bank for studying abroad?
You can borrow up to ₹40 lakhs without collateral. With collateral, Union Bank offers loans up to ₹1.5 crore depending on your profile and university ranking.
How long do I have to repay my Tata Capital education loan?
Loan tenures extend up to 13 years post-course completion, providing flexible repayment timelines that help manage affordability.
Is there an option to apply online and customize my loan amount?
Absolutely. Tata Capital supports a fully digital application process, you can customize the loan to cover tuition, living costs, travel, books, etc., and manage everything from document uploads to tracking online.
Which universities and countries does Tata Capital support through its education loan?
While the lender doesn’t publish a fixed list, they typically fund studies at accredited universities worldwide. It's best to verify with your application if your chosen institution or course is eligible.
Can I apply for a partial loan if I’m funding a portion of my expenses independently?
Yes! Tata Capital allows you to apply for a loan that covers only part of your educational expenses, making it flexible to blend with personal savings, scholarships, or grants.
Am I eligible for an education loan from Tata Capital for studying abroad?
To qualify, you should be an Indian citizen (typically aged between 16–35), with admission to a recognized foreign institution. Loans up to ₹2 crore (secured) or ₹75 lakh (unsecured) are available, with eligibility based on academic merit and co-applicant credentials.
Can I get a Tata Capital education loan without income proof?
Yes, if you're unable to provide income proof, you can still apply by offering a financially capable co-borrower or collateral to demonstrate repayment capability.
What if my co-applicant’s credit profile has discrepancies affecting loan approval?
If issues arise due to co-applicant credit records, Lorien steps in to help, sometimes by adding another guarantor or optimizing documentation. We guide candidates through alternative routes to strengthen your application rather than starting from scratch.
What if my admission requires proof of funding (like I-20/Visa) but SBI delays the sanction letter?
Admission or visa processes often need early financial proof. You can apply for a pre-admission sanction under SBI Global Ed-Vantage, which provides leverage for applications, especially with guidance from Lorien on timing and documentation.
Can I still get a disbursement if I’ve paid some fees upfront to the university?
Yes, PNB, for example, supports tuition reimbursement upon receipt submission. While SBI doesn’t clearly list this, it's common practice to request disbursement after upfront payment by submitting receipts. Lorien advises on documentation to ensure this goes smoothly.
Does interest during the moratorium period get compounded on my SBI loan?
No, interest during the moratorium (course duration + 6 months) is simple interest and gets added to the principal, but it does not compound. Once repayment starts, your EMI will be based on the accumulated total. Lorien ensures you get official confirmation from SBI to avoid confusion.
What collateral is accepted for an SBI study abroad loan?
Collateral can include residential property, fixed deposits, or other liquid securities. The value of the collateral must generally cover the loan amount. Lorien Finance helps students evaluate what qualifies as acceptable security.
What expenses are covered under the SBI study abroad education loan?
The SBI Global Ed-Vantage loan covers tuition fees, living expenses, travel costs, examination fees, library charges, and even insurance premiums. It is designed to cover the entire cost of overseas education, reducing the need for multiple funding sources.
What if I need funds reimbursed after paying fees upfront, does PNB support that?
Absolutely. PNB provides reimbursement of tuition fees upon submission of original receipts (within six months), credited to your PNB account for living and other expenses. Lorien ensures your document checklist is compliance-ready.
Can I apply for the PNB Udaan loan before securing admission to a foreign university?
Yes, under Vidyalakshmi, PNB allows pre-admission loan applications, helping you obtain a sanction letter early, vital for visa and admission processes. Lorien’s team advises on optimal timing to align with your offer and documentation workflows.
Are there any interest subsidies I might miss unknowingly?
Yes, certain government-backed subsidies (e.g., interest relief for loans ≤ ₹7.5 lakh) may apply, but only if properly applied through PNB at loan origination. Lorien ensures your case is evaluated for subsidy eligibility and documentation is error-free.
Can a loan error impact my credit score? What should I do if that happens?
Yes, a glitch or miscommunication (e.g., unexpected EMI or NPA marking) can harm your CIBIL score. If this happens, collect official correction documentation from PNB and raise a dispute with credit bureaus. Lorien supports students when such anomalies arise.
Can I apply for the loan before admission?
Through the Vidyalakshmi portal, PNB allow pre-admission applications. Lorien guides you through timing the application to align with admission offers and streamline your visa preparation.
How much of the total cost can PNB Udaan cover, and what if there's a funding gap?
PNB typically finances up to 100% of your tuition and expenses, but the average sanctioned amount can range based on university tier, margin amounts might still need justification via funds proof. Lorien’s counselors help you assess eligibility and plan for any funding shortfall.
Can refinancing Prodigy loans after graduation save me money, and how?
Yes. Many borrowers refinance with lower-interest lenders like SoFi (often between 6–8%) once they build credit or secure a job. Lorien can help you evaluate refinancing to reduce your repayment cost.
How do Prodigy’s variable interest rates work, and how can they change?
Prodigy offers variable APRs starting around 8.35%, but these can fluctuate with benchmark rates (like SOFR), affecting your total interest. Lorien helps explain this variability clearly and strategize refinancing opportunities post-graduation.
Can I check my eligibility for a Prodigy Finance loan before admission?
Yes, Prodigy allows conditional eligibility checks based on your academic profile and future earning potential, even before your admission is final. Lorien Finance ensures this is timed strategically to align with your admission and visa workflow.
Does taking a Prodigy loan impact my credit score or future financial planning?
Yes , your loan is visible on your credit profile, and timely repayments can help build your credit record, not only internationally but also if you continue abroad post-study. Lorien advises on this to align with your long-term financial goals.
Do I need a co-signer or collateral to qualify for a Prodigy loan via Lorien Finance?
Typically, no. Prodigy’s model is built on no co-signer and no collateral, assessed through your profile and future income potential. In India, adding a co-signer can help secure slightly better terms. Lorien ensures you choose the best route for your circumstances.
Can I check my eligibility for a Prodigy loan even before admission?
Yes, Prodigy allows you to apply for a conditional loan offer before your admission is confirmed, based on criteria like future earning potential and school support. Lorien helps you time this smartly, so it aligns with your application or visa deadlines.
Can MPOWER loans help me build a U.S. credit history, and how?
Absolutely. MPOWER loan repayments reflect positively on your U.S. credit score, especially if payments are made on time. Moreover, their Path2Success program also includes perks like U.S. credit card guidance to enhance your financial readiness.
Are there interest rate discounts, and how can I make the most of them?
You can lower your interest rate by 0.25% via AutoPay. There’s an additional 0.25% for on-time payments or graduation. These small reductions add up and help you save.
Can I check my eligibility for an MPower student loan before getting admission?
Yes, you can. MPower allows students to check eligibility in under 30 seconds, offering a conditional decision before admission is finalized. Lorien Finance ensures this step is leveraged strategically to align with your admission and visa timelines.
Can I combine an MPower loan with scholarships or other funding?
Yes. Many students use MPower loans alongside scholarships, savings, or partial bank loans. Lorien Finance helps you optimize funding sources so that your overall education financing is structured smartly and cost-effectively.
Are MPower loans more expensive than traditional education loans?
MPower’s interest rates are generally higher than Indian banks and NBFCs, because they take more risk by offering loans without collateral or co-signers. However, for students who may otherwise be ineligible for any loan, MPower offers a critical path to fund education abroad.
Can I apply for an MPower loan if I don’t have a co-signer or collateral?
Yes, that’s MPower’s biggest advantage, students can secure study abroad education loans without a co-signer, collateral, or credit history. This makes it an ideal option for students whose parents cannot meet traditional bank requirements.
Can I part-prepay or foreclose my InCred loan without penalty?
InCred allows part-prepayments or full foreclosure, though terms may vary. Lorien Finance ensures you are aware of the exact prepayment rules before disbursal, so you avoid surprises later.
Does Lorien charge any additional fee apart from InCred’s processing charges?
No. Lorien Finance does not charge students extra service fees. Our role is to simplify the process by handling documentation, eligibility checks, and negotiations, at no additional cost to you.
What if my co-applicant doesn’t meet the income criteria for an InCred loan?
If your co-applicant’s income is insufficient, Lorien Finance can help you add an alternate co-applicant or restructure the application to strengthen approval chances. Our team works closely with InCred to minimize rejections.
Can I apply for an InCred education loan before receiving my admission letter?
Yes. Through Lorien Finance, you can apply for a pre-admission sanction letter, which helps you demonstrate financial capability for visa applications or conditional offers. Once your admission is confirmed, the loan can be finalized quickly.
What expenses does an InCred study abroad loan cover when applied via Lorien Finance?
An InCred loan covers tuition fees, living expenses, travel costs, study materials, laptops, and insurance, ensuring that you’re financially covered for your entire study abroad journey.
Do InCred loans require a co-signer or co-applicant?
For collateral-free loans, a financial co-applicant (parent/guardian) is usually required to strengthen your application. Lorien Finance helps you structure your profile to meet eligibility without delays.
When does repayment of an IDFC Bank loan start if applied via Lorien Finance?
Repayment begins after your course duration + up to 12 months grace (moratorium period). Lorien Finance helps customize your repayment plan to ensure affordability once you start earning.
Can I get an IDFC Bank education loan without a co-signer through Lorien Finance?
Yes. IDFC Bank’s education loans are co-signer free, making them ideal for students whose parents/guardians may not meet co-applicant requirements.
What makes IDFC Bank loans faster when applied through Lorien Finance?
Through Lorien, IDFC Bank loans are processed in as little as 7 days, as our team pre-screens your documents, resolves eligibility gaps, and directly liaises with the bank, cutting down delays.
What can I use the IDFC Bank education loan for?
Beyond tuition, the IDFC Bank education loan via Lorien covers living expenses, travel, study materials, and more, empowering you with end-to-end financial coverage for overseas study.
How does Lorien Finance streamline disbursal of my IDFC Bank education loan?
Lorien acts as your single-point facilitator, managing eligibility verification, documentation, application submission, and tracking until loan disbursal, thus ensuring a transparent, efficient, and personalized process.
Are IDFC Bank loans truly collateral-free and do they require a co-signer?
Yes. Lorien Finance facilitates collateral-free education loans via IDFC Bank, and this program does not require a co-signer, making high-value funding accessible without traditional hurdles.
What documents are required for ICICI Bank education loans through Lorien Finance?
You’ll typically need: 1. KYC documents (PAN, Aadhaar, passport) 2. Academic records (10th, 12th, graduation, admission letter) 3. Financial documents (salary slips, IT returns, bank statements, collateral proof if applicable) Lorien Finance’s counsellors provide a personalized checklist to make sure nothing is missed.
Can I apply for an ICICI Bank loan before securing university admission?
Yes, with Lorien Finance, you can apply for a pre-admission sanction letter. This helps students strengthen their visa applications and secure funding confidence before final admission.
Loan Application Process
Click on the step where you are, and we will help you figure it out better
Share your details
Fill out our simple form with your academic and financial information.
Talk to a real expert
Our loan counselors will match you with the right lender & break it down clearly.
Secure your loan
We’ll help secure your loan with lender coordination, documentation, & loan disbursal with no extra cost.
on
reviewsInternational Alumni Network of 5000+ Students
onreviews
Social Profiles
USA Office
609 Greenwich St, New York, NY 10014
INDIA Office
New Delhi - Plot No.1/262, Westend Marg, Saket, New Delhi 110030
Mumbai - 1106/07/08, 11th Floor, Eco Star, Vishweshwar Nagar, Churiwadi, Goregaon (East), Mumbai 400063
Contact Us
Call Us
+91 9311015550
hello@lorienfinance.com
About Lorien Finance
Lorien Finance is a revolutionary marketplace dedicated to helping students secure the best study abroad loans for their study abroad dreams.
Study Abroad
Our Services
Lending Partners
Important Links : Sachet Portal
© 2025 Lorien Finance. All rights reserved.
Disclaimer: Lorien Finance is a loan advisory platform that connects applicants with regulated financial institutions, including banks and NBFCs. Loan approval, terms, and interest rates are solely determined by our lending partners and are subject to their internal credit policies. Lorien Finance does not charge applicants any upfront fees and does not guarantee loan approval or interest rates.
Disclaimer:
Lorien Finance is a loan advisory platform that connects applicants with regulated financial institutions, including banks and NBFCs. Loan approval, terms, and interest rates are solely determined by our lending partners and are subject to their internal credit policies. Lorien Finance does not charge applicants any upfront fees and does not guarantee loan approval or interest rates.