{"id":32872,"date":"2024-04-20T22:29:08","date_gmt":"2024-04-20T16:59:08","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?p=32872"},"modified":"2025-09-29T19:44:40","modified_gmt":"2025-09-29T14:14:40","slug":"education-loan-without-parental-income-for-abroad-studies","status":"publish","type":"post","link":"https:\/\/unicreds.com\/blog\/education-loan-without-parental-income-for-abroad-studies\/","title":{"rendered":"Education Loan Without Parental Income For Abroad Studies (2025-26)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unicreds.com\/blog\/education-loan-without-parental-income-for-abroad-studies\/#Need_Of_Parental_Income_While_Taking_An_Education_Loan\" >Need Of Parental Income While Taking An Education Loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unicreds.com\/blog\/education-loan-without-parental-income-for-abroad-studies\/#Alternatives_For_Education_Loan_Without_Parental_Income_For_Abroad_Studies\" >Alternatives For Education Loan Without Parental Income For Abroad Studies<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unicreds.com\/blog\/education-loan-without-parental-income-for-abroad-studies\/#International_Banks_That_Provide_Education_Loan_Without_Parental_Income_For_Abroad_Studies\" >International Banks That Provide Education Loan Without Parental Income For Abroad Studies<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/unicreds.com\/blog\/education-loan-without-parental-income-for-abroad-studies\/#How_Can_UniCreds_Help_You_Get_An_Education_Loan_Without_Parental_Income\" >How Can UniCreds Help You Get An Education Loan Without Parental Income?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/unicreds.com\/blog\/education-loan-without-parental-income-for-abroad-studies\/#Some_Tips_To_Get_An_Education_Loan_Without_Parental_Income_For_Abroad_Studies\" >Some Tips To Get An Education Loan Without Parental Income For Abroad Studies<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/unicreds.com\/blog\/education-loan-without-parental-income-for-abroad-studies\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p><\/p>\n\n\n\n<p>While taking an education loan, it is possible that everything a bank mentions as a requirement won\u2019t be available on your end. It\u2019s completely fine! Not having certain aspects like collateral or a co-applicant will never stop you from taking an education loan.<\/p>\n\n\n\n<p>Certain banks offer education loans without parental income for abroad studies.<\/p>\n\n\n\n<p>Want to know everything about these banks? Keep reading!&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Need_Of_Parental_Income_While_Taking_An_Education_Loan\"><\/span><strong>Need Of Parental Income While Taking An Education Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>You might wonder why parental income is needed to take education loans. But first, let\u2019s understand the context of it!<\/p>\n\n\n\n<p>For students who are opting for a student loan for full-time study in top universities in India and abroad, there has to be a guarantor or a co-applicant who will take care of their repayment if the student isn\u2019t able to pay the money after graduation.<\/p>\n\n\n\n<p>The co-applicant, in most cases, has to be a parent. To ensure that the parent is capable of repaying the loan amount regularly, accessing their financial health is essential, which means assessing the parental income is important.<\/p>\n\n\n\n<p>Banks mandatorily ask for the following <a href=\"https:\/\/unicreds.com\/blog\/documents-required-for-education-loans-abroad\/\" target=\"_blank\" rel=\"noreferrer noopener\">documents required for education loans abroad<\/a> to check parental income:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>6 Months\u2019 Salary Slips<\/li>\n\n\n\n<li>6 Months\u2019 Bank Statements<\/li>\n\n\n\n<li>3 Months\u2019 ITR&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alternatives_For_Education_Loan_Without_Parental_Income_For_Abroad_Studies\"><\/span><strong>Alternatives For Education Loan Without Parental Income For Abroad Studies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>If parental income is unavailable when applying for a loan, there are certain alternatives. In an <a href=\"https:\/\/unicreds.com\/abroad-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">abroad education loan<\/a>, co-applicants are of two types: Primary and Financial Co-applicants.<\/p>\n\n\n\n<p>Parents without income options can be primary co-applicants, but someone else has to be the financial co-applicant.&nbsp;<\/p>\n\n\n\n<p>A financial co-applicant is best if you can\u2019t prove your parents\u2019 income. Parents, parents-in-law, siblings, parents\u2019 siblings, spouses, and first cousins can co-apply for loans. The table given below shows the eligible alternative co-applicants other than parents:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Lender<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Eligible Alternative Financial Co-Applicant<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/axis-bank\" target=\"_blank\" rel=\"noreferrer noopener\">Axis Bank Education Loan<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Brother<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/icici-bank\" target=\"_blank\" rel=\"noreferrer noopener\">ICICI Bank Education Loan<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Brother, spouse, maternal uncle, or paternal uncle<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/idfc\" target=\"_blank\" rel=\"noreferrer noopener\">IDFC FIRST Bank Education Loan<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Brother, or spouse<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/avanse\" target=\"_blank\" rel=\"noreferrer noopener\">Avanse<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Legal guardian, sibling, or blood relatives<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/credila-education-loan\" target=\"_blank\" rel=\"noreferrer noopener\">Credila<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Siblings or blood relatives<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/incred\" target=\"_blank\" rel=\"noreferrer noopener\">InCred<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Siblings, spouse, or blood relatives<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/unicreds.com\/partners\/auxilo\" target=\"_blank\" rel=\"noreferrer noopener\">Auxilo<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Sibling, legal guardian, or blood relatives<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Another option is to select a bank or NBFC that doesn\u2019t need any co-applicant.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align: center;\">\n    <button style=\"background-color: #289048; color: white; border: none; padding: 10px 20px; border-radius: 5px; font-size: 18px; font-weight: bold;\">\n    <a href=\"https:\/\/unicreds.com\/get-expert-assistance?utm_source=uc-blog&amp;utm_medium=organic&amp;utm_campaign=seeking-for-education-loan-button\" target=\"_blank\" style=\"text-decoration: none; color: white;\" rel=\"noopener\">Seeking an Education Loan? Get Free Consultation<\/a>\n<\/button>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"International_Banks_That_Provide_Education_Loan_Without_Parental_Income_For_Abroad_Studies\"><\/span><strong>International Banks That Provide Education Loan Without Parental Income For Abroad Studies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>International NBFCs are flexible with their loan terms and allow students to borrow without parental income. Their eligibility criteria is mainly based on collateral security or the applicant\u2019s job prospects and academic record. We have listed a few NBFCs you can go for:&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. MPower Finance<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/unicreds.com\/partners\/mpower-financing\" target=\"_blank\" rel=\"noreferrer noopener\">MPower Financing<\/a> is the best bank that gives loans without requiring collateral or co-applicant. They offer reasonable interest rates and only give loans to students studying in the UK and Canada.<\/p>\n\n\n\n<p>The loan amount is in CAD or USD, depending on the university. The table given below has the key features of these loans:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Parameter<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Features<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Loan Limit<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to $100,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">MPOWER Education Loan Interest Rate<\/td><td class=\"has-text-align-center\" data-align=\"center\">Graduate \u2013 up to 13.98% USDUndergraduate \u2013 up to 15.01% USDA discount of 0.25% for auto-signing up<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">5% of the loan amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moratorium Period \/ Grace Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course duration + 6 months (Partial simple interest needs to be paid)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Duration<\/td><td class=\"has-text-align-center\" data-align=\"center\">10 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Co-applicant \/ Co-signer<\/td><td class=\"has-text-align-center\" data-align=\"center\">Not required<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Prodigy Finance&nbsp;&nbsp;<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Unlike other banks, which depend on collateral or credit history, <a href=\"https:\/\/unicreds.com\/partners\/prodigy-finance\" target=\"_blank\" rel=\"noreferrer noopener\">Prodigy Finance<\/a> looks at a student\u2019s employability chances and academic merit.<\/p>\n\n\n\n<p>The table given below has the critical features of the Prodigy Finance education loan. You can go through it thoroughly:&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Parameter<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Features<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance Maximum Loan<\/td><td class=\"has-text-align-center\" data-align=\"center\">100% cost of attendance<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Prodigy Finance Rate of Interest<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.80%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Tenure<\/td><td class=\"has-text-align-center\" data-align=\"center\">7-20 years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moratorium Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">6 months post-course completion<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Collateral Option<\/td><td class=\"has-text-align-center\" data-align=\"center\">Not required<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">NIL<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Co-borrower Option<\/td><td class=\"has-text-align-center\" data-align=\"center\">Not required<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Tax Benefits<\/td><td class=\"has-text-align-center\" data-align=\"center\">NA<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Courses Covered<\/td><td class=\"has-text-align-center\" data-align=\"center\">Higher education in top-tier universities abroad<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Leap Finance Education Loan&nbsp;&nbsp;<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The <a href=\"https:\/\/unicreds.com\/partners\/leap-finance\" target=\"_blank\" rel=\"noreferrer noopener\">Leap Finance<\/a> Company provides student loans to Indians who want to study abroad. It gives college loans to Indian students in the U.S. and Canada.<\/p>\n\n\n\n<p>Many young Indian students trust Leap Finance Education Loan because of its low paperwork requirements, reasonable interest rates, and counselling.<\/p>\n\n\n\n<p>Leap finance might require a co-applicant for non-collateral loans.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Parameter<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Details<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Loan Amount<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 100% of the tuition fee or 100,000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance Interest Rates<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.5% to 10.95% USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Leap Finance Processing Fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.5% to 2% of the loan amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Moratorium Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">Course duration + 6 months<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Co-applicant Requirement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Might be needed for loans without collateral<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Repayment Tenure<\/td><td class=\"has-text-align-center\" data-align=\"center\">7 to 10 years, depending on the profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Can_UniCreds_Help_You_Get_An_Education_Loan_Without_Parental_Income\"><\/span><strong>How Can UniCreds Help You Get An Education Loan Without Parental Income?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>UniCreds assists students in securing education loans without relying on parental income through several tailored strategies:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Non-Collateral Loans: <\/strong>UniCreds collaborates with financial institutions that offer unsecured education loans, eliminating the need for collateral. These loans are often based on the student&#8217;s academic merit and the reputation of the admitting institution, reducing dependence on parental financial standing.<\/li>\n\n\n\n<li><strong>International Lender Partnerships:<\/strong> Through partnerships with international lenders like MPower Financing and Prodigy Finance, UniCreds facilitates loans that do not require a co-applicant or collateral. These lenders assess the student&#8217;s future earning potential and academic background, making them suitable for students lacking traditional financial support.<\/li>\n\n\n\n<li><strong>Merit-Based Loan Assistance:<\/strong> UniCreds guides students towards lenders offering merit-based loans, which focus on academic achievements and admission to reputable institutions, rather than parental income. This enables deserving students to access necessary funds based on their potential.&nbsp;<\/li>\n\n\n\n<li><strong>Comprehensive Support and Counseling:<\/strong> UniCreds provides personalised counseling to help students navigate the loan application process, ensuring they meet eligibility criteria and compile the required documentation, thereby enhancing the likelihood of loan approval without parental income proof.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Tips_To_Get_An_Education_Loan_Without_Parental_Income_For_Abroad_Studies\"><\/span><strong>Some Tips To Get An Education Loan Without Parental Income For Abroad Studies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Besides making a blood relative a financial co-applicant or selecting from the international lenders given above, you can try out the following ways to get an education loan without parental income:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Go for merit-based loans. Some banks provide education loans based on your academic score and your admission to a famous institution.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Find banks with tie-ups with universities that offer education loans without co-applicants. It will be easy for you if you are looking for admission to the university that the bank has partnered with.&nbsp;<\/li>\n\n\n\n<li>Be your co-applicant. If you are employed and planning to study and work together, submit your own ITR or bank statements to prove that you can repay your loan.&nbsp;<\/li>\n\n\n\n<li>Many banks even offer vocational education loans, which are approved based on the course and institution rather than parental income.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>To make all of this even more accessible, contact <a href=\"https:\/\/unicreds.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">UniCreds<\/a>. We help you get student loans based on your eligibility. Whether you have a co-applicant, we will get you the perfect education loan without hidden charges!&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. What are the minimum criteria I need to fulfil to get a loan without any income?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Firstly, you should be above 18 years of age, be employed, have a good academic score, and study at a famous university with employment opportunities to get a loan without parental income.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Can I get an education loan without a co-applicant?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Yes, you can get an education loan without a co-applicant by applying through international lenders like MPower Financing, Prodigy Finance, Leap Finance, etc.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Can I get an education loan if my father is retired?&nbsp;<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Yes, you can get an education loan if your father is retired. You can have your blood relative as a co-applicant or go for a lender who doesn\u2019t require a co-applicant altogether.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Can I get an education loan if my parents are unemployed?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>If your parents are unemployed, you can still get an education loan. Just prove your academic merit or future income.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. What are the banks giving education loans without co-applicant?<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>MPower Finance, Prodigy Finance, and Leap Finance are some of the banks that offer loans without parental income or co-applicants.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"1. What are the minimum criteria I need to fulfil to get a loan without any income?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Firstly, you should be above 18 years of age, be employed, have a good academic score, and study at a famous university with employment opportunities to get a loan without parental income.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"2. 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Want [&hellip;]<\/p>\n","protected":false},"author":103,"featured_media":32874,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2578],"tags":[],"class_list":["post-32872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Education Loan Without Parental Income For Abroad Studies (2025-26) - UniCreds Blog<\/title>\n<meta name=\"description\" content=\"Don&#039;t have a co-applicant for an education loan? 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